RBT bank in the Philippines

RBT Bank (formerly Rural Bank of Talisayan) was established on March 10, 1966 with a modest capital of P200,000 from the Beltran, Alcid and Seriña family led by its founder the late Col. Alejandro G. Beltran Sr. of Talisayan, Misamis Oriental. From the traditional agricultural lending assistance to farmers, fisher folks and employees of government […]

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BT Bank, Inc., A Rural Bank https://upfinance.com/app/uploads/2019/08/RBTbank.jpg
Rizal St., Poblacion, Talisayan, 9012 Misamis Oriental
(02) 708-7087, headoffice@rbtbank.com
Interest rate 2% - 10%
Loan tenure from 1 to 24 months
Approval duration Up to 120 hours
Min. monthly income

Leading

Mr. Wilner A. Palacios Position: President

Product Features

Min. financing amount ₱ 1000
Max.financing amount ₱ 1000000
Min. loan tenure 1 months
Max. loan tenure 24 months

Credit

Salary loan

Interest Rates:  From 2% per month
Minimum loan amount: 10 000 PHP
Maximum loan amount: 350 000 PHP
Payment terms: Up to 3 months
Collateral: valuable jewelries only
Approval time: 1 – 5 banking days

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Microfinance loan

Payable in weekly, semi monthly and monthly installments
Interest Rates:  From 5% per month
Minimum loan amount: 1 000 PHP
Maximum loan amount: 50 000 PHP
Payment terms: Up to 2 months
Approval time: 24 hours

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Micro-jewelry loan

Loan program to address immediate financial needs of clients by using Jewelries and other acceptable items as collateral.
Interest Rates:  From 3% per month
Minimum loan amount: 1 000 PHP
Maximum loan amount: 50 000 PHP
Payment terms: Up to 3 months
Approval time: 4 hours

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Teachers’ loan

A loan program exclusively designed for teachers whose salaries are credited to their ATM cards.
Interest Rates:  From 2% per month
Minimum loan amount: 10 000 PHP
Maximum loan amount: 350 000 PHP
Payment terms: Up to 12 months
Approval time: 1 – 5 banking days

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Pensioners’ loan

A loan program designed for pensioners of GSIS, SSS, PVAO and others who are regularly receiving pensions.
Interest Rates:  From 2% per month
Minimum loan amount: 10 000 PHP
Maximum loan amount: 100 000 PHP
Payment terms: Up to 12 months
Approval time: 1 – 5 banking days

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Loan Calculator

%
Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
Total
₱ 10661.85

Borrower requirements

Eligibility: 
– At least 21 years old at the time of application but not more than 65 years old upon loan maturity
Сitizenship:
– Must be a Filipino Citizen
– Must have an office or residence landline
Requirements:
– Via ATM or Salary Deduction
– Under MOA (for payroll deduction)
– Photocopy of LGU/Brgy. & GSIS ID
– Letter
– Photocopy of latest payslip

Business loan

Agricultural loan

Interest Rates:  From 7,5% per year
For agricultural purposes, such as agriculture: this includes the labor costs of preparing the land, purchasing agricultural materials and materials, and purchasing agricultural machinery and equipment; Breeding pigs, goats, cows and poultry; Aquaculture and other agricultural activities.

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Kasaka loan

Interest Rates:  From 13% per year
A loan program which aims to help micro entrepreneurs for their small business and provides startup capital for those who want to start a small business.

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Small and medium industry loan

Interest Rates:  From 13% per year
A financial assistance for small and medium scale businesses which aims to address liquidity or working capital requirement of the entrepreneurs.

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Home (Housing loan opportunites for Micro & Medium Entrepreneurs)

Interest Rates:  From 7,5% per year
Acceptable collaterals:
– OCT/TCT,
– Chattel,
– Assignment Deposit and serialized assets.
A loan product primarily for home repairs and improvements, new home construction and/or lot acquisition and eventually loan assumption.

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Borrower requirements

– Business permit
– Cash flow
– Securities / deposit
– Other general requirements

Deposited

Services
DEPOSIT PRODUCTS

REGULAR ECONOMY
URGENT INPUT
Requirements:

Two (2) pieces Last 1 × 1 ID
Latest Community Tax Certificate
Any valid id

Participant: PDIC (maximum deposit insurance for each depositor is ₱ 500,000)

Loan Installment

MICROFINANCE LOANS
Paid in weekly, semi-annual and monthly installments.

MICRO-JEWELRY (PAWN) CREDIT
A loan program to meet the immediate financial needs of customers using jewelry and other acceptable items as collateral.

Requirement:

valuable jewelries only

FAQ

Bank does not accept household appliances, phones, designer bags as collateral, unlike some pawnshops. Also, bank has interest rates – 3%, and in pawnshops, interest rates usually vary from 3% to 7%.

The maximum term is 12 months.

The bank sells your jewelry at auction.

The basic requirement is that you must be a public school teacher or you are the administrative staff at DepEd.

The interest rate varies from 0,79% – 1,5% per month.

The maximum term for this type of loan is 36 months.

ATM card to where the salaries and other compensation is credited (must be surrendered to the bank)

This loan is intended for retirees of GSIS, SSS, PVAO and those who regularly receive pensions.

The longest loan period is 12 months.

Contacts

Full company name BT Bank, Inc., A Rural Bank
Address Rizal St., Poblacion, Talisayan, 9012 Misamis Oriental
Phone number (02) 708-7087
E-mail headoffice@rbtbank.com
Social networks

RBT Bank (formerly Rural Bank of Talisayan) was established on March 10, 1966 with a modest capital of P200,000 from the Beltran, Alcid and Seriña family led by its founder the late Col. Alejandro G. Beltran Sr. of Talisayan, Misamis Oriental. From the traditional agricultural lending assistance to farmers, fisher folks and employees of government and private sectors, RBT Bank ventured into microfinance banking in 1998 extending loans to small and micro entrepreneurs particularly, women in partnership with the PCFC. It replicates the Grameen banking approach coupled with MABS technical assistance for individual lending.The Bank has grown into a full-pledged microfinance provider covering 2 cities and the provinces of Misamis Oriental, Camiguin Province, Agusan del Norte and Bukidnon. It provides services such as loans and credit, savings, money transfers in partnership with Western Union and micro-insurance through the RBT-MBA with license from the Insurance Commission.

Users rating

Reviews

1 year ago

Best Customer Services

An excellent bank to deal with. All staff are very professional and knowledgeable. They quickly resolve any issue and provide individual service. This is not a mega national bank with little or no care for customers, but a strong regional bank with strong dedication to the areas they service. Their online banking experience is easy and friendly. They need to increase their ACH transfer limits for customers.

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