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Back-to-Back Loan

Here’s a specialized loan that makes it possible for you to bridge financial gaps for personal, business and any other purposes. Back-to-Back Loan is a standby loan for deposit account holders. Identified as ‘non-risk’ by the Monetary Board of the Bangko Sentral ng Pilipinas (BSP), this loan facility enables you to secure your loan by the deposit accounts you maintain with Bayanihan Bank. Exposure Limit
Program Limit: Given that this is a non-risk loan exposure for the bank, there is no limit set for this type of loan product
Individual Limit: One hundred percent (100%) of the applicant’s deposit account maintained in the bank

Product Features
Loanable Amount: Equivalent to the total deposits maintained in the bank by the loan applicant

Loan Term: The maturity of the date of the loan shall not be later than the maturity date of the deposit which shall be used as collateral to the loan.

Interest Rate: Same to the interest rate of deposit to be used as collateral plus three percent (3%)

Fees and Charges: No fees and charges

Mode of Release: Proceeds of the loan shall be released only upon completion of the requirements and signing of all loan documents.


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  • Should be aged 18 years old and above at the time of application
  • Client must have existing deposits maintained with the bank
  • Given that this is a non-risk loan exposure for the bank, as long as the applicant has a deposit record with the bank, the applicant doesn’t need to submit any proof of identity and residency.
  • The existing requirements from the deposit records of the applicant will be reproduced and will be kept in his/her loan folder.
  • Upon approval of the loan application, the client has to execute a notarized Assignment of Bank Deposits and shall surrender to the bank the original passbook of his/her deposit account.