STANDARD DOCUMENTARY REQUIREMENTS

For individuals:

• 2 government issued valid IDs

• Proof of billing

  
  

  For employed borrowers, usual requirements are:

• Latest ITR; or

• Updated COE with income and position; or

• Latest copy of 3 months payslips

• ITR from previous employer if employed for less than 3 months COE at current employer

  
  

  For seafarers and other OFWs

• Latest Contract of employment

• Latest 3 months proof of remittances

  
  

  For Self employed borrowers

• ITR with FS; or

• Latest 3 months bank statements of the business’ working account

• Business Registration Mayor’s Permit or DTI Registration Certificate

  
  

  NON-STANDARD DOCUMENTARY REQUIREMENTS

  
  

  1. Consularized SPA if a non spouse party to the loan is overseas

  2. SPA if a party to the loan can not sign and only if within the country

  3. Affidavit of Marital Consent with Marriage Contract if the co maker spouse is an OFW and is presently overseas If the OFW is the primary borrower, CSPA is required instead

  4. Affidavit of one and the same, supported by birth certificate if the true name differs on the IDs presented

  5. Affidavit of Non Legal Separation if married but separated not legally;

  6. Affidavit of Legal Separation Nullified Marriage Contract Annulment Papers if married but legally separated

  7. Marriage contract if female’s single name is used despite being married

  8. Authorization Letter to allow C Credit Financing to conduct CI with the customer’s other bank

  9. Return Ticket and copy of passport, ID page and arrival stamp to waive CSPA or SPA requirement as proof that the signing party, the OFW, is already present to sign on loan documents