The Financial Services and Development Loan (FSDL) is intended to help the members attain self-resiliency by providing them with financial assistance and means of pursuing and engaging in income generating activities that will augment their monthly income in addition to their income from employment. It also aims to increase their monthly take home pay by combining and offsetting their outstanding obligations into one account which is subject to a much affordable payment/deduction scheme.
| This loan started in 2002 specifically intended to assist members in their financial needs or for any other purpose that cannot be met by their regular 15th and 30th take home pay. This is deductible from their bonuses / special payments. This type of loan is more affordable and convenient to members, since it will not be form part of the deduction from their fixed salary which they are using for their day to day expenses. |
| Purpose of this loan is for the purchase of various construction materials needed by the member for repair of their houses or for simple project they want to undertake. The member has the option to buy to suppliers or hardware near to their location. Loanable amount is up to a maximum of 20,000.00 with a maximum term of 24 mos. | ||||||
| PHP 5,000.00 | ||||||
| 3 MOS | 6 MOS | 12 MOS | 18 MOS | 24 MOS | ||
| GROSS AMOUNT | 5,367.00 | 5,484.00 | 5,712.00 | 5,940.00 | 6,168.00 | |
| SEMI-MO AMORT | 894.50 | 457.00 | 238.00 | 165.00 | 128.50 | |
| NET PROCEEDS | 5,000.00 | 5,000.00 | 5,000.00 | 5,000.00 | 5,000.00 | |
| PHP 10,000.00 | ||||||
| 3 MOS | 6 MOS | 12 MOS | 18 MOS | 24 MOS | ||
| GROSS AMOUNT | 10,731.00 | 10,962.00 | 11,424.00 | 11,880.00 | 12,360.00 | |
| SEMI-MO AMORT | 1,788.50 | 913.50 | 476.00 | 330.00 | 257.50 | |
| NET PROCEEDS | 10,000.00 | 10,000.00 | 10,000.00 | 10,000.00 | 10,000.00 | |
| PHP 15,000.00 | ||||||
| 3 MOS | 6 MOS | 12 MOS | 18 MOS | 24 MOS | ||
| GROSS AMOUNT | 16,095.00 | 16,440.00 | 17,136.00 | 17,820.00 | 18,528.00 | |
| SEMI-MO AMORT | 2,682.50 | 1,370.00 | 714.00 | 495.00 | 386.00 | |
| NET PROCEEDS | 15,000.00 | 15,000.00 | 15,000.00 | 15,000.00 | 15,000.00 | |
| PHP 20,000.00 | ||||||
| 3 MOS | 6 MOS | 12 MOS | 18 MOS | 24 MOS | ||
| GROSS AMOUNT | 21,462.00 | 21,924.00 | 22,848.00 | 23,760.00 | 24,696.00 | |
| SEMI-MO AMORT | 3,577.00 | 1,827.00 | 952.00 | 660.00 | 514.50 | |
| NET PROCEEDS | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | |
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Maagang Regalo sa Disyembre (MRD) Advance Christmas Financial Loan (ACF) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| These loans were initiated on December 2009, December 2010 and December 2012, to provide additional financial needs to members in the celebration of Christmas season. Some of the beneficiaries of these loans were members whose accounts were subjected to Consolidation. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PHP 20,000.00 | ||||||
| 3 MOS | 6 MOS | 12 MOS | 18 MOS | 24 MOS | ||
| GROSS AMOUNT | 21,945.00 | 22,890.00 | 24,780.00 | 26,676.00 | 28,560.00 | |
| SEMI-MO AMORT | 3,657.50 | 1,907.50 | 1,032.50 | 741.00 | 595.00 | |
| NET PROCEEDS | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | |
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(Payable thru issuance of Post Dated Checks) | |||||||
| This product is intended to help the members attain self-resiliency by providing them with financial assistance and means of pursuing and engaging in income generating activities that will augment their monthly income in addition to their income from employment. It also aims to increase their monthly take home pay by combining and offsetting their outstanding obligations into one account which is subject to a much affordable payment/deduction scheme. | |||||||
| PHP 500,000.00 | |||||||
| 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | 48 MOS | 60 MOS | |
| NET PROCEEDS | 500,000.00 | 500,000.00 | 500,000.00 | 500,000.00 | 500,000.00 | 500,000.00 | 500,000.00 |
| GROSS | 530,289.96 | 544,666.86 | 559,294.08 | 574,170.90 | 589,296.96 | 620,292.48 | 652,272.60 |
| SERVICE CHARGE | 10,000.00 | 10,000.00 | 10,000.00 | 10,000.00 | 10,000.00 | 10,000.00 | 10,000.00 |
| 1ST YR MO AMORT | 45,024.16 | 31,092.60 | 24,137.25 | 19,972.36 | 17,202.69 | 13,756.09 | 11,704.54 |
| SUCCEDDING YEARS | 30,259.27 | 23,303.92 | 19,139.03 | 16,369.36 | 12,922.76 | 10,871.21 | |
| PHP 400,000.00 | |||||||
| 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | 48 MOS | 60 MOS | |
| NET PROCEEDS | 400,000.00 | 400,000.00 | 400,000.00 | 400,000.00 | 400,000.00 | 400,000.00 | 400,000.00 |
| GROSS | 424,231.92 | 435,733.56 | 447,435.36 | 459,336.90 | 471,437.64 | 496,234.08 | 521,818.20 |
| SERVICE CHARGE | 8,000.00 | 8,000.00 | 8,000.00 | 8,000.00 | 8,000.00 | 8,000.00 | 8,000.00 |
| 1ST YR MO AMORT | 36,019.33 | 24,874.09 | 19,309.81 | 15,977.90 | 13,762.16 | 11,004.88 | 9,363.64 |
| SUCCEDDING YEARS | 24,207.42 | 18,643.14 | 15,311.23 | 13,095.49 | 10,338.21 | 8,696.97 | |
| PHP 300,000.00 | |||||||
| 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | 48 MOS | 60 MOS | |
| NET PROCEEDS | 300,000.00 | 300,000.00 | 300,000.00 | 300,000.00 | 300,000.00 | 300,000.00 | 300,000.00 |
| GROSS | 318,174.00 | 326,800.08 | 335,576.40 | 344,502.60 | 353,578.32 | 372,175.68 | 391,363.80 |
| SERVICE CHARGE | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 |
| 1ST YR MO AMORT | 27,014.50 | 18,655.56 | 14,482.35 | 11,983.42 | 10,321.62 | 8,253.66 | 7,022.73 |
| SUCCEDDING YEARS | 18,155.56 | 13,982.35 | 11,483.42 | 9,821.62 | 7,753.66 | 6,522.73 | |
| Note: Service Charge is payable over a period of 12 months and not included in the gross amount as indicated above. | |||||||
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| This loan was launched to serve the needs of members whose cash requirement is lower than that offered by the existing FSDL at a relatively same rate of interest. Amount is ranging from 25,000 to 75,000 payable from 6 months to 36 months. | |||||||
| PHP 25,000.00 | |||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | ||
| GROSS | 25,000.00 | 25,000.00 | 25,000.00 | 25,000.00 | 25,000.00 | 25,000.00 | |
| SEMI-MO AMORT | 2083.33 | 1041.67 | 694.44 | 520.83 | 416.67 | 347.22 | |
| NET PROCEEDS | 23,625.00 | 22,875.00 | 22,125.00 | 21,375.00 | 20,625.00 | 19,875.00 | |
| PHP 30,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 30,000.00 | 30,000.00 | 30,000.00 | 30,000.00 | 30,000.00 | 30,000.00 |
| SEMI-MO AMORT | 2,500.00 | 1,250.00 | 833.33 | 625.00 | 500.00 | 416.67 |
| NET PROCEEDS | 28,350.00 | 27,450.00 | 26,550.00 | 25,650.00 | 24,750.00 | 23,850.00 |
| PHP 35,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 35,000.00 | 35,000.00 | 35,000.00 | 35,000.00 | 35,000.00 | 35,000.00 |
| SEMI-MO AMORT | 2,916.67 | 1,458.33 | 972.22 | 729.17 | 583.33 | 486.11 |
| NET PROCEEDS | 33,075.00 | 32,025.00 | 30,975.00 | 29,925.00 | 28,875.00 | 27,825.00 |
| PHP 40,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 40,000.00 | 40,000.00 | 40,000.00 | 40,000.00 | 40,000.00 | 40,000.00 |
| SEMI-MO AMORT | 3,333.33 | 1,666.67 | 1,111.11 | 833.33 | 666.67 | 555.56 |
| NET PROCEEDS | 37,800.00 | 36,600.00 | 35,400.00 | 34,200.00 | 33,000.00 | 31,800.00 |
| PHP 45,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 45,000.00 | 45,000.00 | 45,000.00 | 45,000.00 | 45,000.00 | 45,000.00 |
| SEMI-MO AMORT | 3,750.00 | 1,875.00 | 1,250.00 | 937.50 | 750.00 | 625.00 |
| NET PROCEEDS | 42,525.00 | 41,175.00 | 39,825.00 | 38,475.00 | 37,125.00 | 35,775.00 |
| PHP 50,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 50,000.00 | 50,000.00 | 50,000.00 | 50,000.00 | 50,000.00 | 50,000.00 |
| SEMI-MO AMORT | 4,166.67 | 2,083.33 | 1,388.89 | 1,041.67 | 833.33 | 694.44 |
| NET PROCEEDS | 47,250.00 | 45,750.00 | 44,250.00 | 42,750.00 | 41,250.00 | 39,750.00 |
| PHP 55,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 55,000.00 | 55,000.00 | 55,000.00 | 55,000.00 | 55,000.00 | 55,000.00 |
| SEMI-MO AMORT | 4,583.33 | 2,291.67 | 1,527.78 | 1,145.83 | 916.67 | 763.89 |
| NET PROCEEDS | 51,975.00 | 51,325.00 | 48,675.00 | 47,025.00 | 45,375.00 | 43,725.00 |
| PHP 60,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 60,000.00 | 60,000.00 | 60,000.00 | 60,000.00 | 60,000.00 | 60,000.00 |
| SEMI-MO AMORT | 5,000.00 | 2,500.00 | 1,666.67 | 1,250.00 | 1,000.00 | 833.33 |
| NET PROCEEDS | 56,700.00 | 54,900.00 | 53,100.00 | 51,300.00 | 49,500.00 | 47,700.00 |
| PHP 65,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 65,000.00 | 65,000.00 | 65,000.00 | 65,000.00 | 65,000.00 | 65,000.00 |
| SEMI-MO AMORT | 5,416.67 | 2,708.33 | 1,805.56 | 1,354.17 | 1,083.33 | 902.78 |
| NET PROCEEDS | 61,425.00 | 59,475.00 | 57,525.00 | 55,575.00 | 53,625.00 | 51,675.00 |
| PHP 70,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 70,000.00 | 70,000.00 | 70,000.00 | 70,000.00 | 70,000.00 | 70,000.00 |
| SEMI-MO AMORT | 5,833.33 | 2,916.67 | 1,944.44 | 1,458.33 | 1,166.67 | 972.22 |
| NET PROCEEDS | 66,150.00 | 64,050.00 | 61,950.00 | 59,850.00 | 57,750.00 | 55,650.00 |
| PHP 75,000.00 | ||||||
| 6 MOS | 12 MOS | 18 MOS | 24 MOS | 30 MOS | 36 MOS | |
| GROSS | 75,000.00 | 75,000.00 | 75,000.00 | 75,000.00 | 75,000.00 | 75,000.00 |
| SEMI-MO AMORT | 6,250.00 | 3,125.00 | 2,083.33 | 1,562.50 | 1,250.00 | 1,041.67 |
| NET PROCEEDS | 70,875.00 | 68,625.00 | 66,375.00 | 64,125.00 | 61,875.00 | 59,625.00 |
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| TEAM (Telescoop Economic Assistance Mode) | |||||
| Thru the continuous effort of the Telescoop Officerships in reviewing the services to be given to the general membership, this type of loan came into existence. It will help alleviate the financial condition of members thru its maximum payment mode of up to 60 months. Members have the option to combine all their accounts to come up to a lower semi- monthly amortization, with a reasonable net proceeds. | |||||
| PHP 100,000.00 | |||||
| TERMS | 12 MOS | 24 MOS | 36 MOS | 48 MOS | 60 MOS |
| GROSS AMOUNT | 106,618.56 | 112,976.16 | 119,571.84 | 126,402.24 | 133,466.40 |
| SEMI-MO AMORT | 4,442.44 | 2,353.67 | 1,660.72 | 1,316.69 | 1,112.22 |
| NET PROCEEDS | 100,000.00 | 100,000.00 | 100,000.00 | 100,000.00 | 100,000.00 |
| Note: Service Charge is payable over a period of 12 months and not included in the gross amount as indicated above. | |||||
| TERMS | 24 MOS | ||
| GROSS | 25,000.00 | ||
| NET PROCEEDS | 21,375.00 | ||
| SEMI-MO AMORT | 520.83 | ||
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| This loan was launched last August 1,2013, primarily to help members with deferments in order to meet their financial obligation/needs during this lean month period. | |||
| TERMS | 24 MOS | ||
| GROSS | 25,000.00 | ||
| NET PROCEEDS | 20,854.18 | ||
| SEMI-MO AMORT | 520.83 | ||
| TERMS | 24 MOS | ||
| GROSS | 50,000.00 | ||
| NET PROCEEDS | 41,708.32 | ||
| SEMI-MO AMORT | 1,041.67 | ||
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| This loan was approved last April, 2013, in time for the school enrollment . Proceed of the loan is payable to the school. | |||
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| This loan helps member to start up an internet business, and a project tie up with PC Express and PLDT. | |||
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| SCHOOL FINANCIAL LOAN (SFL) | |||
| To serve as the helping hand of parents in sending their children to school, Telescoop launched this loan on the first quarter of 2009 to answer the burdens of parents regarding their children’s tuition fee. This loan amounts to 50,000 payable in 24 months. | |||
| AMOUNT: PHP 50,000.00 | |||
| TERMS | 24 MOS | ||
| NET PROCEEDS | 42,750.00 | ||
| SEMI-MO AMORT | 1041.67 | ||
| SCHOOL SUPPLIES LOAN (SSL) | |||||||
| This loan was offered during mid of 2005 , basically intended for the procurement of school supplies and other needs of school children of members . | |||||||
| AMOUNT: PHP 12,000.00 | |||||||
| TERMS | 12 MOS | ||||||
| NET PROCEEDS | 10,817.50 | ||||||
| SEMI-MO AMORT | 500.00 | ||||||
| FINANCIAL EXPRESS LOAN (FLEX) | |||
| Short term loan of 6,000 payable in three(3) months. | |||
| AMOUNT: PHP 6,000.00 | |||
| TERMS | 3 MOS | ||
| NET PROCEEDS | 6,000.00 | ||
| SEMI-MO AMORT | 1,045.00 | ||
| DRY GOODS | |||
| AMOUNT: UP TO 4,000.00 | |||
| TERMS | 2 MOS | ||
| SEMI-MO AMORT | 1,000.00 | ||
| GROCERIES | |||
| AMOUNT: UP TO 4,000.00 | |||
| TERMS | 2 MOS | ||
| SEMI-MO AMORT | 1,020.00 | ||
Emergency and Calamity Multi-purpose Loan | |||
| TERMS | 24 MOS | ||
| GROSS | 30,000.00 | ||
| NET PROCEEDS | 24,725.00 | ||
| SEMI-MO AMORT | 625.00 | ||
Emergency and Calamity Multi-purpose Loan 2 | |||
| TERMS | 24 MOS | ||
| GROSS | 60,000.00 | ||
| NET PROCEEDS | 49,450.00 | ||
| NET GUARANTEED PROCEEDS | 40,000.00 | ||
| SEMI-MO AMORT | 1250.00 | ||
Emergency and Calamity Multi-purpose Loan 3 | |||
| TERMS | 60 MOS | ||
| GROSS | 135,466.40 | ||
| NET PROCEEDS | 100,000.00 | ||
| SEMI-MO AMORT | 1,195.55 | ||
| MODE OF PAYMENT | SALARY DEDUCTION | ||
| BENEFITS | NO ADDITIONAL SCS | ||
| 2% SERVICE CHARGE | |||
| NET GUARANTEED PROCEEDS | 40,000.00 | ||
| TERMS | 24 MOS | ||
| GROSS | 30,000.00 | ||
| NET PROCEEDS | 25,025.00 | ||
| NET GUARANTEED PROCEEDS | 20,000.00 | ||
| SEMI-MO AMORT | 625.00 | ||
TELESCOOP El Niño Loan 3 Loan | |||
| TERMS | 60 MOS | ||
| GROSS | 135,466.40 | ||
| NET PROCEEDS | 100,000.00 | ||
| SEMI-MO AMORT | 1,195.55 | ||
| MODE OF PAYMENT | SALARY DEDUCTION | ||
| BENEFITS | NO ADDITIONAL SCS | ||
| 2% SERVICE CHARGE | |||
Deduct Balance of TEN Loan and TEN 2 Loan Rebates be given as result of pre-ternmination/payment of existing TEN Loan and/or TEN 2 Loan | |||
| NET GUARANTEED PROCEEDS | 40,000.00 | ||
This Loan is open to active and former PLDT, Inc. employees and covers twelve (12) categories or types of loan as detailed in the “Financial Loan Form”. The proceeds of this loan is payable to the Member except for “Tuition Fee Loan” which is payable to the name of the school covering payment of tuition fee.