Chinatrust Logo

Chinatrust Salary Stretch Personal Loan

This short to mid-term loan can be the answer to your financial shortfall.

  • icon Interest Rate
    Interest rate (p.a.)
    16.67% - 16.67%
  • icon Min. monthly income
    Loan Tenure
    1 - 3 years
  • icon Min. monthly income
    Approval Duration
    Within 3-5 banking days
  • icon Min. monthly income
    Min. monthly income
    ₱ 15,000

Loan Calculator

icon New Base Rate Loan Calculator

Monthly salary 15000
Interest Rate
You Pay
Total Interest Payable
Total Amount Payable

Whats so great about Chinatrust Salary Stretch Personal Loan?

  • Monthly add-on rate from 1.39%.

  • Borrow any amount from ₱20,000 to ₱1,000,000.

  • Loan tenor from 12 to 36 months.

Product Features

Min. Financing Amount ₱20,000.00
Max. Financing Amount Up to ₱1,000,000.00
Min. Loan Tenure 1 year
Max. Loan Tenure 3 years
Interest Rate EIR ranges from 29.48% (12 months) up to 44.47% (36 months), 1.39% per month add-on
Approval Duration Within 3-5 banking days
Debt Consolidation No

Fee & Charges

One time set up
Processing Fee ₱1,500.00
Stamp Duty ₱1.00 for every ₱200.00 in excess of ₱250,000.00 of the loan amount
Disbursement & misc. fee N/A
Early Settlement None, if you have informed the bank one month ahead
Late Payment Charges 5.00% p.a. on any balance outstanding.


Age requirement Age 23 - 60
Employment eligibility ₱15,000 for Metro Manila-based applicants or ₱10,000 for provincial-based applicants
Min. salary requirement ₱15,000 gross per month
Guarantor / Collateral requirement No

Other Requirements

Need to open linked bank account? No
Other details Method of Payment - Unionbank branches, Bancnet channels, Chinatrust bank branches

Review by iMoney

Chinatrust Philippines Commercial Banking Corporation or CTBC Bank (Philippines) Corp. is hailed as one of the largest privately-owned banks in Taiwan. With 25 years of operations in the Philippines, it has positioned itself as one with the most extensive branch network in the country among foreign-owned banks. Using a niche-based strategy, CTBC Bank was able to distinguish its services through a high level of customer focus and innovative products with high efficiency that are customized to the specific needs of the client. This offers a unique and personal touch in terms of its services that are aimed at building a strong relationship with private account holders and businesses alike. For immediate funding needs, a client can avail the Chinatrust Salary Stretch Personal Loan where amounts ranging from ₱20,000 up to ₱1,000,000 can be borrowed. This amount is payable within 12 to 36 months, having a competitive effective interest rate starting from 29.48% for 12 months, up to 44.47% for 36 months with 1.39% monthly add-on rate. The entire loan application process will take around 3 to 5 banking days and you are eligible to apply if you have at least ₱15,000 gross monthly income for Metro Manila residents and ₱10,000 for provincial applicants with 23 to 60 years of age.

Advantages Of Applying With Chinatrust Salary Stretch Personal Loan

  • Flexible loan payment terms and loan amount.
  • Fast and convenient loan approval process.
  • Competitive interest rates.
  • Flexible payment starting as early as 6 months up to 36 months payment terms.

Go through the rest of the product details and eligibility requirements to find out if this products fits your needs.

Chinatrust Salary Loan FAQ

How to apply for a CTBC Bank Salary Stretch Loan Online

You can apply via their website or if you want help applying for this loan, you can apply conveniently through our online application form.

How much can I borrow?

With a Chinatrust Personal Loan, borrow as much as ₱1,000,000, subject to approval.

Where can I use a CTBC Bank Salary Stretch loan?

This loan is a multipurpose loan. Borrower can use the loan for whatever purpose it may serve them.

What to expect when getting your CTBC Bank Salary Stretch Personal Loan?

Competitive rates, flexible payment terms, and convenient application process is what you can expect when you apply for CTBC Bank's Salary Stretch Personal Loan.

How does the Chinatrust Personal Loan Calculator work?

The Chinatrust Personal Loan calculator computes the estimated cost of borrowing and amount of payment per instalment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

What are the Chinatrust Personal Loan Requirements?

An applicant must fulfill Chinatrust’s eligibility criteria for a loan:

  • Must be 23 to 60 years old upon loan maturity.
  • Must be a Filipino citizen
  • If employed:
    • With minimum gross monthly income of ₱15,000. for Metro Manila-based applicants or ₱10,000. for provincial-based applicants.
    • Must be with the current company for at least one (1) year on a regular / permanent status.
    • With office and home landline and/or mobile number.
  • If self-employed:
    • Business must be registered and in existence of operation for at least three (3) years for Trading and Services Industry or five (5) years for other industries.
    • With office and home landline and/or mobile number.
    • Must be a credit card holder.

Consequently, after filling out an application form, the following documents are necessary:

Fully Employed applicants need:

  • Completely filled out application form.
  • Photocopy of latest ITR / BIR Form 2316
  • Photocopy of ID issued by the employer (with photo and signature).
  • Photocopy of one (1) month latest pay slip

Self-Employed applicants need:

  • Completely filled out application form.
  • Photocopy of latest BIR Form 1701 / 1702.
  • Photocopy of unexpired Certificate of Registration from the Department of Trade and Industry (DTI).
  • Photocopy of latest two (2) months credit card statements.
  • Photocopy of latest six (6) months bank statements of account/s.
  • Photocopy of the face of credit card.
  • Photocopy of two (2) government-issued IDs with photo.

*Additional documents may be required during credit evaluation.

What are payment channels available for this financing?

You can pay your CTBC Salary Stretch Personal Loan through the following channels:

  • Unionbank Branches
  • BancNet atms
  • BancNet via Online Banking (
  • ECPay-accredited Payment Merchants such as 7-Eleven, Gaisano Grand Malls, LCC, METRO, Ever Supermarket, etc.
  • CTBC Bank branches nationwide

Who should I contact in case I encounter a problem with my payment records?

You can contact CTCB directly for account and payment concerns. You can to go the a branch near you or call them through the following:

  • Metro Manila: +63 (2) 8840 1234
  • Toll-Free from other provinces through PLDT:1 800 10 840 1234
  • International Toll-Free: IAC + 63 + 2 + 840 1234

Is Chinatrust Salary Stretch Personal Loan the right one for me?

Having a reliable and trustworthy financial services provider is of paramount importance not only for private individuals but most especially small to medium business owners, corporations, and other enterprises. These individuals and entities cannot afford to have disruptions on their daily operations due to mediocre services and customer support. One of the advantages of international banks is the level of performance that they are accustomed to, which is at par to their global counterparts. Availing a Chinatrust Salary Stretch Personal loan allows you to build a relationship with a reputable international brand, bringing along the technology and quality of service that will guarantee a smooth and hassle-free banking experience. If these are the aspects that you are looking forward to in terms of your financial transactions, then the Chinatrust Salary Stretch Personal Loan is the product for you.

Other alternative personal loan options are also listed below, from different banks in the Philippines:
Security Bank Personal Loan

With low monthly interest, you can solve your cash flow problems with Security Bank Personal Loan. For only 16.7% interest rate per annum, you can loan amounts for as little as ₱30,000 to ₱1,000,000 with flexible payment terms of 1-3 years. You have to be between 21-65 years of age with minimum gross monthly income of ₱15,000 in order to be eligible.

Citi Ready Credit Personal Loan

Citi Ready Credit Personal Loan offers a fast, hassle-free, and reliable solution for your immediate funding need. With no required collateral, you can borrow from ₱20,000 to ₱2,000,000 at 25.2% per annum or a fixed rate of 17% to 30.9% effective interest rate per annum. Loan repayment is flexible starting from 1 up to 5 years with loan approval duration as fast as 24 hours. To apply, you must be 21 - 65 years old with gross monthly income of at least ₱21,000.

Eastwest Bank Personal Loan

If you are in urgent need of additional funds, Eastwest Bank Personal Loan could be the right choice for you. Available to both fully employed, and self-employed individuals, you can borrow any amount from ₱25,000 to ₱2,000,000 with a processing time of just 5-7 banking days. Fixed interest rate is 22.68% per annum with 1.89% add-on per month. Loan tenure starts from 1 up to 3 years. To be eligible, you must have a minimum gross monthly income of ₱15,000, at least 21 years old and not more than 65 years of age upon loan maturity.

If you're interested in other options, you can go through our whole list of Personal Loans present on our website to help you choose which one is best for you.