San Jose Koop e-Loan Processing

PRIVACY POLICY

San Jose Koop e-Loan Processing
The e-Loan Processing of San Jose del Monte Savings and Credit Cooperative is ONLY for the members of this Cooperative. To apply for membership, click here.

All personal information collected by San Jose del Monte Savings and Credit Cooperative is done so exclusively with your consent, by means of submission on our application form, an email received from you via JotForm. No information is collected automatically.

The personal information collected is only used by the Loan Processor for the purposes defined at the time of the collection or a use that complies with these purposes.

As mentioned above, we use your personal information to appropriately process your applications and present you with the information you need to access. We also use all of the information you provide voluntarily in order to make your loan transactions on San Jose del monte Savings Credit Cooperative possible.

If you agree in this term, we can use your personal information in order to process your loan applications whether to be approved or not.

At all times, the Loan Processor who will be in-charge in the e-Loan Processing prepared by San Jose del Monte Savings and Credit Cooperative is easily identifiable and reachable, via email or phone.
I agree

TERMS & CONDITIONS

for using Online Loan Application

I. The e-Loan Processing of San Jose del Monte Savings and Credit Cooperative is ONLY for members of this Cooperative. All loan applications submitted by non-members will be disregarded.

II. The processing of loan transactions may take 1-2 business days depending on the queue.

III. The following are the four (4) options for e-Loan Processing:

a. Loan Application

* Loan Application is ONLY for First-Time Borrowers.
* First-time borrowers of REGULAR LOAN (or other loan types that may be subject to a credit investigation) are encouraged to personally apply to their nearest San Jose Koop Office.

b. Loan Renewal Request

* Loan Renewal Request is ONLY for the Borrowers who have previous transactions of the same loan or have the same existing loans.

c. Loan Restructuring

* Loan Restructuring is ONLY intended for member-borrowers who have unsettled and overdue loans by reason of financial difficulties in order to fulfill and re-pay their existing loan obligation.

d. Loan Rehabilitation

* Loan Restructuring is ONLY intended for our delinquent members experiencing financial constraints due to unavoidable circumstances, calamities, epidemic, or bankruptcy.

IV. e-Loan Processing supports the following loan products:

A. Loans for First-Time Borrowers

1. Share Capital Loan (former Fully Secured Loan)

B. Loans for Renewal

1. Share Capital Loan (former Fully Secured Loan)

2. Loyalty Loan

3. Christmas Loan

4. Employee’s Loan

5. Agri-Finance Loan

6. Small Enterprise Loan

7. Service Loan

8. Transportation Service Loans

9. Time Deposit Loan

C. Loans for Restructuring

1. All loan types EXCEPT privilege loans (Loyalty, Christmas, and Back-to-School), collateralized loans, and COMBLA.

D. Loans for Rehabilitation

1. All loan types EXCEPT privilege loans (Loyalty, Christmas, and Back-to-School), collateralized loans, and COMBLA.

Note: All loan products not mentioned above should be applied via walk-in transactions.

V. The following are the conditions of available loans:

a. Share Capital Loan's loanable amount is the borrower's 90% of his/her Share Capital.

b. Share Capital is the only applicable guarantee for Share Capital Loan

c. Loyalty Loan can only be availed from January to August. One (1) Co-Maker is required as guarantee for loan. Borrowers should have existing loan and NO PENALTY incurred for the period of 1 year.

d. Christmas Loan can only be availed from September to December. One (1) Co-Maker is required as guarantee for loan. Borrowers should have existing loan and NO PENALTY incurred for the period of 1 year.

e. For Loyalty and Christmas Loan, any loan amount from ₱10,000.00 and below is only applicable for 3 months term.

f. Other not mentioned loans require either Post-Dated Check or two (2) Co-Makers as guarantee for loan.

VI. ₱100,000.00 is the maximum loanable amount. However, ALL LOAN APPLICATIONS ARE SUBJECT FOR VERIFICATION AND APPROVAL.

VII. Other fees for Real-time Gross Settlement (Cashless) Transactions:

Settlement Platform	Platform Fee
Bank Transfer (Any Bank)	Php 15.00 to Php 30.00
MAYA	Php 15.00 to Php 30.00
GCash (Fully Verified)	Php 15.00 to Php 30.00
San Jose Koop Savings	none

For any inquiries regarding to your loanable amount, feel free to contact us at (0931) 212 4851 or loanrenewal@sanjosekoop.com, loanrestructure@sanjosekoop.com, cashless.loan.request@sanjosekoop.com

OFFICE HOURS:

Monday - Friday: 8am to 5pm
Cut off: 4pm

OVER-THE-COUNTER TRANSACTION PROCESS

RTGS (CASHLESS) TRANSACTION PROCESS

LOAN RESTRUCTURE REQUEST

RTGS (CASHLESS) TRANSACTION
Settlement Platform*

BankMAYAGCashSan Jose Koop Regular Savings DepositNo Settlement Platform (For Micro-Share Loan)
Bank Name*
Bank Account Number*
Account Name*
KAYA Customer ID
KAYA Account Number*
Registered Number*
Transaction Charge: Ranges from Php 15.00 to 30.00
No charge.
Screenshot of Bank Account Number

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I hereby certify that the foregoing information provided herein is absolutely true and correct in all respects, and that the cooperative assumes no liability for any errors/inaccuracy of information which I have provided.

VIDEO VERIFICATION DETAILS

Verification via video calls will be conducted within 2-3 minutes. Please expect video calls to your preferred communication app you provided within the date and time you scheduled.
Appointment*
Preferred Online Communication App*

Facebook MessengerViberWhatsappTelegram
Facebook Username
Facebook Name*
Registered Number*
Name*

BORROWER'S INFORMATION
Date

MonthDayYear
Date
Month
San Jose Koop Account No.*
Name*

First NameMiddle NameLast Name
Civil Status
Name of Spouse/Live-In Partner*
Spouse's Cellphone No.*
Address*
Complete Address
TIN Number
Email*
example@example.com
Cellphone No.*
Country (if OFW)

LOAN INFORMATION
Loan Type (New)
Loan Type (Renew)
Loan Type (Restructure)
Loan Type (Rehabilitation)*
Error: LOYALTY LOAN can ONLY be applied from January to August.
Error: CHRISTMAS LOAN can ONLY be applied from September to December.
Loanable Amount
.
Loan Amount*
Loan Amount**
For Time Deposit Loan*
CTD No.
Account No.
Terms of Loan*

3 months6 months
L/C Terms
Terms of Loan
Terms of Loan*
Terms of Loan*
Terms of Payment*
Error: For SHARE CAPITAL LOAN, the TERMS OF LOAN should be ONLY maximum UP TO 2 YEARS, if loan amount is Php 100,000 AND BELOW.
Terms of Payment**
Terms of Payment*
Terms of Payment*
Error: For SHARE CAPITAL LOAN, 1 YEAR AND ABOVE term is not eligible for FULL / CASH ON DUE DATE payment.
Guarantee for Loan**
Guarantee for Loan*
Guarantee for Loan*
Guarantee for Loan*
Note: For RTGS (CASHLESS), LOAN RESTRUCTURE and LOAN REHABILITATION TRANSACTIONS, Post-Dated Cheque is not applicable as Guarantee for Loan.
Bank Name*
Number of Issued PDC*
Co-Maker 1*
Full Name
Account No.
Error: Account Numbers of Members and/or Co-Makers should not be the same.
Cellphone No.*
Co-Maker 2*
Full Name
Account No.
Error: Account Numbers of Members and/or Co-Makers should not be the same.
Cellphone No.*
Source of Income*

EMPLOYMENTBUSINESS
Company Name
Position
Monthly Salary
Business Name
Business Address
Monthly Income
Remarks (for additional requests, etc.)

FOR VIDEO VERIFICATION CALL

Verification via video calls will be conducted within 2-3 minutes. Please expect video calls to your preferred communication app you provided within the date and time you scheduled.
Preferred Online Communication Application*

Facebook MessengerViber
Facebook Link* *
ex. https://www.facebook.com/sjdmscc/
Facebook Name**
Facebook Profile

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Registered Number**
Name**

BENEFICIARIES FOR LOAN INSURANCE

For CLPP form (Beneficiaries for Insurance should be 18 years old and above.)
Beneficiary 1*
Full Name
MonthDayYear
Birthdate
Age
days
Relationship
Beneficiary 2
Full Name
MonthDayYear
Birthdate
Age
days
Relationship
FILE ATTACHMENTS

For e-signature/s file attachment, kindly sign three (3) specimen of signatures on a clean blank white paper using a black marker for a higher quality of image. Please be informed that the maximum file size of uploads should be 5MB.
Sample File Attachments
Borrower's e-Signature*

three (3) specimen of signatures using a black marker
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Spouse/Partner's ID with Signature*

A copy of spouse's ID with three (3) specimen of signatures
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Co-Maker 1 (Selfie holding a paper with date and signature)*

Capture a selfie while holding a paper with date and co-maker's three (3) specimen of signatures on it. Use a marker for a clearer quality.
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Co-Maker 2 (Selfie holding a paper with date and signature)*

Capture a selfie while holding a paper with date and co-maker's three (3) specimen of signatures on it. Use a marker for a clearer quality.
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Borrower's Valid ID (preferably TIN ID)*

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Borrower's San Jose Koop ID/Passbook*

Up to 2 files can be uploaded.
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Happy Retirement Savings Passbook*

Up to 2 files can be uploaded.
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Should be Empty:

PRIVACY POLICY

TERMS & CONDITIONS

OVER-THE-COUNTER TRANSACTION PROCESS

RTGS (CASHLESS) TRANSACTION PROCESS

LOAN RESTRUCTURE REQUEST

RTGS (CASHLESS) TRANSACTION

VIDEO VERIFICATION DETAILS

BORROWER'S INFORMATION

LOAN INFORMATION

FOR VIDEO VERIFICATION CALL

BENEFICIARIES FOR LOAN INSURANCE

FILE ATTACHMENTS