SNR Bank (A Rural Bank)

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Discover the types of SNR Bank Loans

Power up your business.

Empower your business with our flexible financing solutions. This loan facility is designed to support SMEs, micro-enterprises, and corporate clients in meeting their working capital needs, business expansion, or operational requirements. It also includes our Mini-Puhunan and Mini-Negosyo loans, giving small entrepreneurs access to affordable credit to start, sustain, or grow their business.

EXAMPLES :

  • MSMEs

  • Sole Proprietorship

  • Corporation

INITIAL REQUIREMENTS:

For borrower and co-borrower :

  1. Two (2) Valid Government-Issued ID,
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Bank Statement or Passbook (6 months) OR Bank Certification

SECONDARY REQUIREMENTS:

For borrower only

  • INDIVIDUAL:

    1. Daily or Monthly Record of Sales

    2. Latest Business Permit

    3. DTI Certificate of Registration

    4. BIR Certificate of Registration

    5. Annual Income Tax Return (Latest 2 years)

  • CORPORATION: 

    1. Daily or Monthly Record of Sales

    2. Latest Business Permit

    3. BIR Certificate of Registration

    4. BIR Annual Financial Statements (Latest 2 years)

    5. Company Profile

    6. SEC General Information Sheet

    7. SEC Articles of Incorporation and By-Laws

    8. SEC Certificate

COLLATERAL DOCUMENTS:

  1. Property Title (Certified True Copy)
  2. Tax Declaration (Certified True Copy)
  3. Tax Clearance
  4. Latest Realty Tax Receipt
  5. Survey Plan/ Sketch Plan/ Vicinity Map
  6. Proof of Property Ownership (Deed of Sale/Donation, etc.)

FOR NON-COLLATERAL LOANS:

ADDITIONAL REQUIREMENTS:

For 2 Co-Makers

  • Two (2) Valid Government-Issued ID,
  • Latest Proof of Billing
  • Proof of Income (all forms of income)
  • Latest Proof of Receiving Remittances (3 months)

Build your vision

Turn your property goals into reality with our Housing and Real Estate Loan. Whether for building a new home, renovating an existing one, purchasing a residential lot, or financing a real estate development, we offer flexible credit solutions to help you achieve your dream property investment.

EXAMPLES :

  • Construction and Renovation

  • Purchase of House and Lot

  • Real Estate Development

INITIAL REQUIREMENTS:

For borrower and co-borrower :

  1. Two (2) Valid Government-Issued ID,
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Bank Statement or Passbook (6 months) OR Bank Certification

 

SECONDARY REQUIREMENTS:

  1. Property Title (Certified True Copy)
  2. Tax Declaration (Certified True Copy)
  3. Tax Clearance
  4. Latest Realty Tax Receipt
  5. Survey Plan/ Sketch Plan/ Vicinity Map
  6. Proof of Property Ownership (Deed of Sale, etc.)

COLLATERAL DOCUMENTS:

  1. Billing of Materials and Building Plan

Ride your way forward.

Make your assets work for you. Our Secured Personal Loan allows you to borrow using movable properties such as vehicles, jewelry, luxury watches, or artworks as collateral — giving you access to financing while keeping your valuable assets safe.

INITIAL REQUIREMENTS:

For borrower and co-borrower :

  1. Two (2) Valid Government-Issued ID,
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Bank Statement or Passbook (6 months) OR Bank Certification

 

SECONDARY REQUIREMENTS:

  1. Property Title (Certified True Copy)
  2. Tax Declaration (Certified True Copy)
  3. Tax Clearance
  4. Latest Realty Tax Receipt
  5. Survey Plan/ Sketch Plan/ Vicinity Map
  6. Proof of Property Ownership (Deed of Sale, etc.)

COLLATERAL DOCUMENTS:

For borrower only

  1. Car loan quotation

Nurture your livelihood

Grow your livelihood with our Agricultural Loan. Designed to support farmers, fisherfolk, and livestock producers, this program provides affordable credit for crop production, aquaculture, livestock raising, or for the purchase of farm machinery and equipment — helping boost productivity and improve income in agricultural communities.

EXAMPLES:

  • Farmers and Fisherfolks
  • Livestock and Producers
  • Farm Machine and Equipment

INITIAL REQUIREMENTS:

For borrower and co-borrower :

  1. Two (2) Valid Government-Issued ID,
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Bank Statement or Passbook (6 months) OR Bank Certification

 

SECONDARY REQUIREMENTS:

For borrower only

  • INDIVIDUAL:

    1. Daily or Monthly Record of Sales

    2. Latest Business Permit

    3. DTI Certificate of Registration

    4. BIR Certificate of Registration

    5. Annual Income Tax Return (Latest 2 years)

  • CORPORATION: 

    1.  Daily or Monthly Record of Sales
    2. Latest Business Permit
    3. BIR Certificate of Registration
    4. BIR Annual Financial Statements (Latest 2 years)
    5. Company Profile
    6. SEC General Information Sheet
    7. SEC Articles of Incorporation and By-Laws
    8. SEC Certificate

COLLATERAL DOCUMENTS:

  1. Property Title (Certified True Copy)

  2. Tax Declaration (Certified True Copy)

  3. Tax Clearance

  4. Latest Realty Tax Receipt

  5. Survey Plan/ Sketch Plan/ Vicinity Map

  6. Proof of Property Ownership (Deed of Sale/Donation, etc.)

FOR NON-COLLATERAL LOANS:
ADDITIONAL REQUIREMENTS:

For 2 Co-Makers

  1. Two (2) Valid Government-Issued ID
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Latest Proof of Receiving Remittances (3 months)

Flexible Collateral Solutions

A secured loan where the borrower’s deposit with the bank (such as a savings account or time deposit) is placed on “hold-out” and used as collateral. The loan amount is typically a percentage of the deposit balance, allowing clients to access funds without withdrawing or pre-terminating their deposit.

 

INITIAL REQUIREMENTS:

For borrower and co-borrower :

  1. Two (2) Valid Government-Issued ID,
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Bank Statement or Passbook (6 months) OR Bank Certification
  5. Bank Statement (6 months) or Bank Certification

*If a loan applicant has an existing Savings/ESD account with SNR Bank (A Rural Bank), no need for these requirements. This is only applicable for Back-to-Back Loans.

Extra support for our beloved retirees, and heroes in uniform

Enjoy financial flexibility in your retirement years. Our Pension Loan is available to qualified pensioners of SSS, GSIS, PVAP, AFP, and PNP, allowing you to borrow against your monthly pension for personal needs, emergencies, or short-term expenses — with easy terms and convenient repayment through your pension proceeds.

EXAMPLES:

  • Social Security System (SSS)

  • Government Service Insurance System (GSIS)

  • Philippine Veterans Affairs Offices (PVAO)

  • Armed Forces of the Philippines (AFP)

  • Philippine National Police (PNP)       

INITIAL REQUIREMENTS:

For borrower and co-borrower :

  1. Two (2) Valid Government-Issued ID,
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Bank Statement or Passbook (6 months) OR Bank Certification

 

SECONDARY REQUIREMENTS:

For borrower only

  • INDIVIDUAL:

    1. Daily or Monthly Record of Sales

    2. Latest Business Permit

    3. DTI Certificate of Registration

    4. BIR Certificate of Registration

    5. Annual Income Tax Return (Latest 2 years)

  • CORPORATION: 

    1.  Daily or Monthly Record of Sales
    2. Latest Business Permit
    3. BIR Certificate of Registration
    4. BIR Annual Financial Statements (Latest 2 years)
    5. Company Profile
    6. SEC General Information Sheet
    7. SEC Articles of Incorporation and By-Laws
    8. SEC Certificate

COLLATERAL DOCUMENTS:

  1. Property Title (Certified True Copy)

  2. Tax Declaration (Certified True Copy)

  3. Tax Clearance

  4. Latest Realty Tax Receipt

  5. Survey Plan/ Sketch Plan/ Vicinity Map

  6. Proof of Property Ownership (Deed of Sale/Donation, etc.)

FOR NON-COLLATERAL LOANS:
ADDITIONAL REQUIREMENTS:

For 2 Co-Makers

  1. Two (2) Valid Government-Issued ID
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Latest Proof of Receiving Remittances (3 months)

Quick funds for you

Get quick financial assistance when you need it most. Our Salary Loan is designed for employed individuals who need funds for personal expenses, emergencies, or short-term financial needs. Enjoy convenient payment terms through salary deduction and fast approval for qualified borrowers.

EXAMPLES:

  • Barangay

  • Overseas Filipino Workers and Seafarers

  • Public and Private Employees

  • Professional

  • Personal

  • Teachers

INITIAL REQUIREMENTS:

For borrower and co-borrower :

  1. Two (2) Valid Government-Issued ID,
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Bank Statement or Passbook (6 months) OR Bank Certification

 

SECONDARY REQUIREMENTS:

For borrower only

  • INDIVIDUAL:

    1. Daily or Monthly Record of Sales

    2. Latest Business Permit

    3. DTI Certificate of Registration

    4. BIR Certificate of Registration

    5. Annual Income Tax Return (Latest 2 years)

  • CORPORATION: 

    1.  Daily or Monthly Record of Sales
    2. Latest Business Permit
    3. BIR Certificate of Registration
    4. BIR Annual Financial Statements (Latest 2 years)
    5. Company Profile
    6. SEC General Information Sheet
    7. SEC Articles of Incorporation and By-Laws
    8. SEC Certificate

COLLATERAL DOCUMENTS:

  1. Property Title (Certified True Copy)

  2. Tax Declaration (Certified True Copy)

  3. Tax Clearance

  4. Latest Realty Tax Receipt

  5. Survey Plan/ Sketch Plan/ Vicinity Map

  6. Proof of Property Ownership (Deed of Sale/Donation, etc.)

FOR NON-COLLATERAL LOANS:
ADDITIONAL REQUIREMENTS:

For 2 Co-Makers

  1. Two (2) Valid Government-Issued ID
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Latest Proof of Receiving Remittances (3 months)

Shine with clean energy

Finance your eco-friendly projects with ease. Our Green/Sustainable Loan supports environmental initiatives, electric vehicles, and solar energy systems — making it affordable and convenient to go green while investing in a sustainable future.

EXAMPLES:

  • Solar Energy Financing

  • Electric Vehicles

INITIAL REQUIREMENTS:

For borrower and co-borrower :

  1. Two (2) Valid Government-Issued ID,
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Bank Statement or Passbook (6 months) OR Bank Certification
 

SECONDARY REQUIREMENTS:

For borrower only

  • INDIVIDUAL:

    1. Daily or Monthly Record of Sales

    2. Latest Business Permit

    3. DTI Certificate of Registration

    4. BIR Certificate of Registration

    5. Annual Income Tax Return (Latest 2 years)

  • CORPORATION: 

    1.  Daily or Monthly Record of Sales
    2. Latest Business Permit
    3. BIR Certificate of Registration
    4. BIR Annual Financial Statements (Latest 2 years)
    5. Company Profile
    6. SEC General Information Sheet
    7. SEC Articles of Incorporation and By-Laws
    8. SEC Certificate

COLLATERAL DOCUMENTS:

  1. Property Title (Certified True Copy)

  2. Tax Declaration (Certified True Copy)

  3. Tax Clearance

  4. Latest Realty Tax Receipt

  5. Survey Plan/ Sketch Plan/ Vicinity Map

  6. Proof of Property Ownership (Deed of Sale/Donation, etc.)

FOR NON-COLLATERAL LOANS:
ADDITIONAL REQUIREMENTS:

For 2 Co-Makers

  1. Two (2) Valid Government-Issued ID
  2. Latest Proof of Billing
  3. Proof of Income (all forms of income)
  4. Latest Proof of Receiving Remittances (3 months)