August 15, 2023


This short to mid-term loan can be the answer to your financial shortfall.


  • Monthly add-on rate from 1.39%.
  • Borrow any amount from ₱20,000 to ₱1,000,000.
  • Loan tenor from 12 to 36 months.

Product Features

  • financing amount: ₱20,000.00
  • Financing amount: Up to ₱1,000,000.00
  • loan tenure: 1 year
  • Loan tenure: 3 years
  • Interest rate: EIR ranges from 29.48% (12 months) up to 44.47% (36 months), 1.39% per month add-on
  • Approval duration: Within 3-5 banking days
  • Debt consolidation: No

Fees & Charges

One time set up

  • Processing fee: ₱1,500.00
  • Stamp duty: ₱1.00 for every ₱200.00 in excess of ₱250,000.00 of the loan amount
  • Disbursement & misc. fee: N/A


  • Early settlement: None, if you have informed the bank one month ahead
  • Late payment charges: 5.00% p.a. on any balance outstanding.


  • Age requirement: Age 23 – 60
  • Employment eligibility: ₱15,000 for Metro Manila-based applicants or ₱10,000 for provincial-based
  • salary requirement: ₱15,000 gross per month
  • Guarantor / Collateral requirement: No

Other Requirements

  • Need to open linked banked account? No
  • Other details: Method of Payment – Unionbank branches, Bancnet channels, Chinatrust bank branches

China trust Salary Loan FAQ

  1. How much can I borrow?

With a Chinatrust Personal Loan, borrow as much as P1, 000,000, subject to approval.

  1. What are the Chinatrust Personal Loan Requirements?

An applicant must fulfill Chinatrust’s eligibility criteria for a loan:

  • Must be 23 to 60 years old upon loan maturity
  • Must be a Filipino citizen

If employed:

  • With minimum gross monthly income of PhP15, 000 for Metro Manila-based applicants or PhP10, 000. for provincial-based applicants
  • Must be with the current company for at least one (1) year on a regular / permanent status
  • With office and home landline and/or mobile number

If self-employed:

  • Business must be registered and in existence of operation for at least three (3) years for Trading and Services Industry or five (5) years for other industries
  • With office and home landline and/or mobile number
  • Must be a credit card holder

Consequently, after filling out an application form, the following documents are necessary:

  1. Fully Employed applicants need:
  2. Completely filled out application form
  3. Photocopy of latest ITR / BIR Form 2316
  4. Photocopy of ID issued by the employer (with photo and signature)
  5. Photocopy of one (1) month latest pay slip

Self–Employed applicants need:

  1. Completely filled out application form
  2. Photocopy of latest BIR Form 1701 / 1702
  3. Photocopy of unexpired Certificate of Registration from the Department of Trade and Industry (DTI)
  4. Photocopy of latest two (2) months credit card statements
  5. Photocopy of latest six (6) months bank statements of account/s
  6. Photocopy of the face of credit card
  7. Photocopy of two (2) government-issued IDs with photo

NB: Additional documents may be required during credit evaluation.

  1. How does the Chinatrust Personal Loan Calculator work?

The Chinatrust Personal Loan calculator computes the estimated cost of borrowing and amount of payment per instalment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

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