Producers Bank
Loan Products
Effective rates as of February 24, 2026, per ALCO Memo on Interest Rates on Deposits and Loans. All loans are subject to credit evaluation and approval.
At a Glance
Our Loan Products
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🌾
Agricultural Loan
For farmers, crop production, and agri-related borrowers
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🏭
Angat Negosyo Loan
Commercial and SME loans for growing businesses
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👪
Consumer Loans
Salary, auto, housing, and personal loans
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📄
Requirements
Documentary checklists for each loan type
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For Farmers & Agri Sector
Agricultural Loan
| Borrower Type |
Terms / Collateral |
Interest Rate |
| Micro Farmers (5.0 hectares & below) |
2-year Credit Line vs. AGFP/PSBC Guaranty or signed REM/CM |
12% p.a. discounted |
| Small/Medium-sized Farmer |
5-year Credit Line vs. REM |
9% p.a. discounted |
| Large-sized Farmer (20 has. or more) |
5-year Credit Line vs. REM |
9% p.a. in arrears |
| Acquisition of Farmland / Reciprocal Loan |
Term Loan vs. REM (up to 5 years) |
12% p.a. diminishing |
| Farm Tractors, Machineries & Implements |
Term Loan vs. REM/CM (up to 5 years) |
12%–15% p.a. diminishing |
| ACPC / Agri Negosyo Program (ANYO) |
DA Funded Credit Line / Term Loan (up to 5 years) |
2% p.a. |
| Mortgage Loan |
REM, monthly diminishing balance |
12% p.a. |
Eligible borrowers include: Farmers/Crop Production, Agricultural Traders/Rice Millers, Livestock Growers, Cold Storage/Grain Warehouse, and Aquaculture operators. Bank Lending Commission and DSRA apply per loan type — please inquire at any branch for full computation.
For Businesses
Angat Negosyo Loan — Commercial & SME
| Loan Product |
Collateral |
Interest Rate |
| 2-year Standby Credit Line (registered REM) |
REM |
Same as existing credit line |
| 2-year Standby Credit Line (unregistered REM) |
REM |
15% p.a. in arrears |
| Commercial Loan — 2-year Credit Line |
REM |
8% p.a. monthly in arrears |
| Commercial Loan — 5-year Term Loan |
REM |
11% p.a. monthly in arrears |
| Small Business Loans (SBL) — max ₱500,000 |
Inventory assignment / REM / CM |
24% p.a. diminishing |
Commercial Loans eligible for: Food & Drugs, Services, Trading, Construction (PCAB), Property Leasing, Electric Cooperatives, Multi-Purpose Coops, Real Estate Development, and Transportation.
Agri-based SMEs eligible for: Livestock Production, Feed Mills/Rice Millers, Farm Produce Traders, Input Suppliers, Farm Machinery Dealers, Cold Storage, and Aquaculture Traders.
Transfer Pool Rate (TPR) — Lending: 5.50% | Borrowing: 4.50%
For Individuals
Consumer Loans
🎒 Teacher’s Salary Loan (DepEd-APDS)
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Term
1 to 5 years
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Interest Rate
7.5% p.a.
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Added Benefits
ATM Card, Credit Card, Free Accident Insurance, Agri Loans
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🎉 Teacher’s Bonus Loan (Mid-Year / Year-End Bonus)
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6-Month Term
9% interest
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12-Month Term
18% interest
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Interest Rate
7% p.a. add-on
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Max Financing
80% of vehicle value
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Collateral
Chattel Mortgage (CM)
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🏠 Housing Loan (End User — Salaried Individuals)
| Top 5 Developers (Megaworld, Ayala, Rockwell, DMDC, DMCI) — min. 20% equity, up to 10 years |
9% (yr 1), 11% thereafter |
| House Construction / Renovation (up to 80% of BOM) |
12% p.a. diminishing |
| Property from PSBC-financed developers |
12% p.a. diminishing |
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🏛 LGU Salary Loan
For selected LGUs only
Term
Up to 3 years (with MOA)
Interest Rate
12% p.a. in arrears
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💰 Cash Secured Loan
Maximum 80% of deposit
Collateral
Assignment of Savings / Time Deposit
Interest Rate
Deposit rate + 3% spread
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What You Need to Apply
Documentary Requirements
🏠 Housing Loan (Employee)
• Signed application form and 2 valid IDs + 2 (2×2) photos
• Barangay Clearance / Court Clearance
• Photocopy of Proof of Billing
• System Generated Certified True Copy of Title
• Photograph of collateral
• Latest Tax Declaration, Tax Receipt & Tax Clearance
• Location/lot plan with vicinity map and picture
• Sketch Map — Home & Business Address
• Appraisal Fee (₱3,500)
• Building plan and permit (if for expansion)
• Bill of materials prepared by architect/engineer
• Individual Income Tax Return
• Payslips / Financial Statements (at least 3 months)
• Proof of other sources of income
• Current and Savings Account with Producers Bank
• 30% equity from the borrower
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• Signed application form and 2 valid IDs + 2 (2×2) photos
• Barangay Clearance / Court Clearance
• Certificate of Employment / PRC License / Business Permit
• Proof of other source of income
• Individual Income Tax Return (3 years)
• Payslips / Financial Statements (3–6 months)
• Quotation from supplier
• Current and Savings Account with Producers Bank
• 30% equity from the borrower (Brand New)
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🏭 Business / SME / Large Enterprise Loans
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• Application Form
• 2 (2×2) photos and 2 valid IDs of officers with biodata
• Barangay Clearance / Court Clearance
• Proof of Billing
• Latest Mayor’s / Business Permit
• Certified True Copy of Title (before and after annotation)
• Tax Declaration, Tax Receipt & Tax Clearance
• Location/lot plan with vicinity map and picture
• Appraisal Fee (₱3,500 first title + ₱500 per adjacent title)
• Audited and In-house Financial Statements (last 3 years)
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• Latest Income Tax Return (last 3 years)
• Bank Statement on deposit accounts (12 months)
• Company Profile, Business Photos, DTI Permit
• Projected Cash Flow for the full loan term
• Copy of Receivables / Purchase Orders from Clients
• List of clients and suppliers with contact numbers
• Tabulation of Sales (1 year)
• History of existing loans with other banks
• Signed Bank Authorization
• Open Current and Savings Account with Producers Bank
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Additional requirements for Corporations:
Articles of Incorporation and By-Laws • Board Resolution / Secretary’s Certificate (PSBC form) • General Information Sheet (GIS) • List of ongoing and completed projects (for Construction Business) • Individual information sheet from each incorporator
Note: “No Cashflow, No Granting of Loan.” Subject to other terms and conditions of PSBC.
Get Funded Today
Talk to a Loan Officer
Visit any of Producers Bank’s 300+ branches nationwide. All loans are subject to credit evaluation, appraisal, and approval by the Bank.
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