11Feb/10993
Micro-Housing Loan Facility
Program Objective: To support the government's effort to improve the quality of life of the poor thru financial assistance for housing improvement such as house repairs, renovation or expansion.
Eligible Borrowers:
- PCFC to MFI - accredited MFI partners
- MFI to Borrower - Low Income families in urban and rural areas
Loan Purpose:
- PCFC to MFI - to finance the MFI's relending program for its end-clients
- MFI to Borrower - to finance home improvement (repair, renovation, completion, expansion)
Type of Credit Facility: Term loan (non-revolving) available within one year from approval of credit facility
Terms/Requirements
Loan Amount:
- PCFC to MFIs - based on 85% of credit needs of end clients as indicated in the Housing Availment Plan (HAP)
- MFI to Borrower - in accordance with MFI's credit policies and end-clients repayment capacity (cash flow) but shall not go beyond P150 Thousand inclusive of end-clients other loans with the MFI. (Labor may be provided as counterpart of end-clients.)
Interest Rate and Service Charge:
- PCFC to MFI
- For PNs with term of 1 year and below -11% p.a. plus 1% service fee
- For PNs with terms of more than 1 year - 12% p.a. plus 1% service fee
- MFI to Borrower - based on MFI's credit policies and guidelines
Maturity and Mode of Payment:
- PCFC to MFIs - up to 5 years inclusive of 6-month grace period on principal for PNs with terms of 2 years or more; quarterly amortization on principal and interest
- MFI to Borrower - based on MFI's credit policies and guidelines but not to exceed 5 years
Contact Details:
People's Credit and Finance Corp.
2/F Accelendro Bldg. 395 Sen. Gil Puyat Ave., Makati City
Phone (632)897.8521 : 752.3745 Local 125 Local 134 Local 144 Local 156
e-mail: info@pcfc.ph
Web: www.pcfc.gov.ph
Recent Posts
- Wholesale Lending Window for Graduating Micros and BMBEs
- Wholesale Microfinance Program
- MFI Employees Loan Facility
- Micro-Housing Loan Facility
- Micro-Energy Credit Program
- Livelihood Development Program for OFWs
- Microfinance Eco-Enterprise Program
- Microfinance Program for NGOs and Cooperatives
- Self-Employment Assistance Program
- Microfinance Program for Rural Workers
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