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Panpacific University North Philippines

Urdaneta City
Questionnaire for Comparative Study between Bank Loans and
Criteria: Basic for Better Credit Policy
(For Bank Manager/Loan Officer)
Bank Name :________________________________
Branch : _________________________________
Name of Employee :_________________________
Position Level :
___ Managerial Level
___ Supervisory Level
___ Staff/Level
Business Profile
1. Number of years in Operating in Urdaneta City?
______ 1 - 5 years
_____ 6 - 10 year
______11 20 Years
______ 21 and above
2. Write on the space the minimum and maximum requirement on
interest rates of different type of loans.
Housing
Auto Loan
Business
Personal
Loan
Loan
Loan
Minimum
Interest Rate
Maximum
interest rate
Minimum Loan
Amount
Maximum Loan
Amount
3. Pls check (/) the common mode of payment of Loan.
Monthly
Housing Loan
Auto Loan
Business Loan
Personal Loan

Quarterly SemiAnnual

Annuall
y

4. Pls. check (/), What is the sharing requirement for

the

bank

and borrowers equity?


70/30

75/25

80/20

Others
Specify

Housing Loan
Auto Loan
Business Loan
Personal Loan
5. Pls. check (/), How many days after filling and submission of

complete documents upon the approval of loan?


1-5 days

10 days

15 days

30 days

Housing Loan
Auto Loan
Business Loan
Personal Loan
II. Directions: Put a check () on the space that corresponds to
your perception with regards to the degree of importance of Bank
Loan and Criteria for Better Credit Policy of Banks of Urdaneta
City.
Please be guided by the following scale:
4
3
2
1

Very Important
Important
Less Important
Not Important

Character
1

3
4

The bank conducts credit investigationthru


bank credit history and credit database
information system from other financial
institution.
The
bank
conduct
interviews
regarding
personal life, lifestyle and vices for
evaluation of borrowers character.
Submit the NBI Clearance, police clearance
as measure of good character.
Special privilege to borrower when showing
with good credit and moral standing in the

community.
Borrower shows his tract record of being
constant borrower and regular payor of the
loan.
The borrower shows their integrity upon
receiving awards, rewards, achievement and
performances. (social, civic, professional
and corporate)

Collateral
1

3
4

5
6
7

3
4

Bank generally requires collateral inform of


real estate, equipment or any other form of
easily salable property.
The borrower requires submit documents such
as OCT/TCT as the requirement of loan; CR/OR
for Auto loan)
The bank requires additional guaranty if
appraise value is lower the loan amount.
Proper inspection/appraisal of collateral
has chances of being approve the loan
application.
Tax clearance, tax declaration, and vicinity
map are part of collateral loan.
Collateral if foreclosed, it serves or
guarantees the payment of the loan.
Bank deposit,(saving/time deposit) insurance
policy and money market can considers as
collateral of loan.

Condition
1

The borrower provide an option to select


loan terms and agreement (term or credit
line)
The borrower has an option to choose the
term of interest rate either fixed or
variable rate.
Allows the borrower to extend or restructure
the loan upon approval of bank management.
Agrees
on
penalties,
surcharges
and
sanctions are imposed when default of
payments principal and interest.
Provide 30 days of notice to pay or grace
period
in
case
delay
payment
of
amortization.

6
7

Terms and conditions of contract/agreement


have to mutually agree upon by both parties.
The borrower signs the promissory note or
contract of loan and clearly understands the
terms and conditions.

Capacity
1

3
4

7
8

2
3
4
5

Bank
conducts
in-deep
analysis
and
evaluation borrowers on their educational
attainment; business experiences and other
source of income such as their employment.
Bank assures that borrower should have at
least at legal age; and test the ability to
handle financial risk.
Conducts interviews on willingness to pay
their interest and principal.
Borrower displays his ability or expertise
to do good management; mentally, emotionally
and physically.
Declaring of the assets such as bank
deposit, saving/time deposit, paid insurance
policy and money market.
Showing
the
willingness
to
sign
the
promissory note/agreements is manifestation
to pay their obligation.
The borrower shows the competence to finance
the borrowers equity/share.
Presentation of business plan that has high
profits potential indicates the capacity to
pay his debts.

Capital
1

Declare all personal possession and assets


and or existence of sources of the capital
such as real properties, jewelries, and
cars.
The bank evaluates the borrowers ability to
produce additional capital resources.
The bank requires borrower to submit ITR
documents for individual and if corporate
financial statements.
The borrower provides proof of ownership of
business or from real estate properties.
The requires other source of income/capital

6
7

from savings, bank deposits, money markets


The borrower provides proof of evidence on
investment securities such bonds and stocks.
Borrower shows ownership of investment from
foreign companies, dollar deposits and money
markets.

The Researchers