Rural Bank of Cauayan in the Philippines

The RURAL BANK OF CAUAYAN INC. was established on April 7,1965. It is the pioneer bank in Cauayan, Isabela founded by Dr. and Mrs. Ireneo C. Bucag Sr. and its incorporator namely: Mr. Domingo San Pedro, Mrs. Aurea B. Carpio, Mr. Antonio M. Perez, Mrs. Lourdes Cruz, and Mr. Domingo Simangan. The simplified and affordable […]

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Rural Bank of Cauayan, Incorporated https://upfinance.com/app/uploads/2019/08/Rural_Bank_Cauayan.jpg
Don Jose Canciller Avenue, District 1, Cauayan City, 3305 Isabela
Contact: (078) 652-1928; 652-1320; Fax: (078) 652-1320, info@rbcauayan.com
Interest rate 1.4% - 3%
Loan tenure from 1 to 24 months
Approval duration Up to 120 hours
Min. monthly income

Leading

Juana Bucag (Founder) Eduardo Bucag (Chairman) Charita Guinid (President)

Product Features

Min. financing amount ₱ 1000
Max.financing amount ₱ 100000
Min. loan tenure 1 months
Max. loan tenure 24 months

Credit

Salary loan

Rates:  From 17% APR
Minimum loan amount: 1 000 PHP
Maximum loan amount: 100 000 PHP
Payment terms: Up to 12 months
Approval time: 1-5 banking days

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Insta-Cash loan

Rates:  From 37% APR
Loan amount: Up to 100 000 PHP
Payment terms: Up to 12 months
Collateral: Yes
Approval time: 1-5 banking days

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SSS Pensioners loan

Rates:  From 17% APR
Minimum loan amount: 1 000 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
If Employed:
– Minimum gross monthly income for Metro Manila – 15 000 PHP
– For outside Metro Manila – 12 000 PHP
If Self-employed:
– With at least two (2) continuous years of profitable operations in the same line of business
– Minimum gross monthly income for Metro Manila – 30 000 PHP
– For outside Metro Manila – 25 000 PHP

Business loan

Agri-Masikap Credit
Secured loans, especially those offered to beneficiaries of the Agrarian Reform Program, to finance activities related to agricultural production, processing, marketing and distribution.

Agro-Sagana Loans
It is also a secured loan to accommodate other landowners and farmers, intended for the purchase of working animals, agricultural equipment and machinery, seeds, fertilizers, poultry, livestock, fodder and other similar items.

Crop loan
The credit line, especially offered to small farmers and fishermen, who are actual farmers or livestock breeders who have ownership of CLOA, EP and CLT. Especially designed for food production.

Credit Him-Asenso
Secured loan designed to help the financial needs of the business. Very flexible conditions are offered. This can be short-term or long-term, depending on the preferences of the client and his / her solvency. The client can use the funds as capital for a new business venture or additional capital to expand the business.

Small Business Credit
This is a line of credit provided to valuable current account depositors to support the financial needs of their business. The applicant must have a current bank account for the last three (3) years with a good track record and the nature of bank financing.

Ka – Asenso Loan
This is a secured loan granted to Business owners without audited financial statements. The purpose of loan includes but is not limited to Additional Operating Capital of existing business and purchase of business equipment and facilities

Deposited

Main savings account
This applies to a bank deposit product that facilitates the deposit operations of a regular customer who cannot provide primary identification cards, such as students. The initial deposit for this account starts at 100.00 pesos below

Regular savings deposit
This applies to a bank deposit product, which facilitates operations on deposits of a regular customer / depositor, whether it is a natural or legal person who can meet the requirements of a bank and accept bank conditions governing this product.

Pensioners Savings Deposit
If you are an SSS Pensioners, you can open your SSS Pensioner Savings Account with only P200.00 initial deposit. Just bring with you a letter of introduction from SSS.

Student savings deposit
This refers to a bank deposit product that facilitates student deposit operations. It aims to increase financial literacy among students.

Demand deposit
For your safety
– Bring your check booklet instead of cash.
– Checked by.
For your comfort
-Pay your bills
Payment of purchases
-Business Tool

Cross-industry deposit
You don’t have to go anywhere … It’s all here at Kauyan Village Bank. We made it easy for you!

Time Certificate of Deposit

Save your hard earned money with higher interest.

-Minimum time deposit placement of Php 20,000.00

-Minimum term is three (3) months

-The longer the term and the bigger the amount,the higher the interest rate offer

Pensioners Savings Deposit

If you are an SSS Pensioners, you can open your SSS Pensioner Savings Account with only P200.00 initial deposit. Just bring with you a letter of introduction from SSS.

Debet Card

ATM
Country Bank Cauayan Inc. provides round the clock security ATMs with round the clock security.

Conveniently and safely withdraw money at any time of the day at any of our ATM branches.

Loan Installment

Globe G-Cash
G-Cash turns your mobile phone into a virtual wallet; for SAFE, FAST, and EASY money transfers with the speed and cost of a text message.

Microfinance loan (Money Shop Loan)
These are loans granted to individuals for their microenterprises or small enterprises, other than those defined in the Republic Act 8425. These loans are provided on the basis of business and cash flows of borrowers and, as a rule, but not necessarily, are unsecured.

Insta-Cash Loan
A secured loan offer intended to satisfy immediate personal financial needs. It can be used for various purchases such as residential house & lot, appliances, furniture, vehicle and the likes. It can also be used to consolidate debts; to finance home improvement or settle hospital and other bills.

Educational Loan (Eskwela Loan)
These are loans granted to individuals with regular source of income on the purpose of financing the educational needs of their child/children. These loans are grant based on the borrowers’ salary and are typically but not necessarily unsecured.

SSS Pensioners Loan
A secured loan offer intended to satisfy immediate personal financial needs. It can be used for various purchases such as residential house & lot, appliances, furniture, vehicle and the likes. It can also be used to consolidate debts; to finance home improvement or settle hospital and other bills.

Loyalty Loan
This is a loan facility granted to loyal employees of the bank, with ten (10) years of permanent service in the company. It is intended to provide financial assistance to loyal employees of the bank.

FAQ

The Bank grants such a loan only to employees of accredited enterprises.

The maximum amount of a Salary loan is PhP 100,000.

The maximum loan amount depends on your income and loan term. According to Philippine law, paying a loan cannot exceed 30% of income.

No, not required for collateral.

Yes, if you have approved a Insta-Cash loan you can get a cash and use it anywhere. Please note that this is a secured loan offer designed to meet immediate personal financial needs. It can be used for various purchases, such as a house and land, household appliances, furniture, car, and the like. It can also be used to consolidate debts; to Finance home improvements or settle hospital and other bills.

Contacts

Full company name Rural Bank of Cauayan, Incorporated
Address Don Jose Canciller Avenue, District 1, Cauayan City, 3305 Isabela
Phone number Contact: (078) 652-1928; 652-1320; Fax: (078) 652-1320
E-mail info@rbcauayan.com
Social networks

The RURAL BANK OF CAUAYAN INC. was established on April 7,1965. It is the pioneer bank in Cauayan, Isabela founded by Dr. and Mrs. Ireneo C. Bucag Sr. and its incorporator namely: Mr. Domingo San Pedro, Mrs. Aurea B. Carpio, Mr. Antonio M. Perez, Mrs. Lourdes Cruz, and Mr. Domingo Simangan.
The simplified and affordable credit window that it offers immediately became a word of mouth among farmers and businessmen in Cauayan , Isabela and its nearby municipalities. Since then, it has not stopped counting more and more satisfied and loyal customers.
Because of this, Rural Bank of Cauayan Inc. started branching out. Six (6) branches were opened from 1990 to 2000, Eight (8) other branches were inaugurated from 2001-2010, and 3 more branches started operating from 2011 to 2013.

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