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AFPSLAI offers a range of loan products tailored to the needs of its members, including Salary Loans, Emergency Loans, Multi-Purpose Loans, and Real Estate Loans. These loans come with competitive terms and are designed to be accessible and flexible, catering to various financial needs such as housing, personal emergencies, or the acquisition of assets. With a commitment to serving its members efficiently, AFPSLAI ensures that loans, once all requirements are met, are released within the day. Additionally, loans are protected by Credit Redemption Insurance (CRI), providing peace of mind to borrowers by covering the outstanding loan in case of the borrower's death.
Loans are released within the day once all requirements are complete, ensuring timely financial support.
A wide array of loan products including Salary Loans, Emergency Loans, and Real Estate Loans, catering to diverse financial needs.
Loans are covered by CRI, which settles the outstanding loan balance in the event of the borrower's death, providing financial security to the borrower's family.
Members can renew their Salary Loans once they have paid at least 20% of the borrowed amount, offering flexibility in managing finances.
AFPSLAI is a private non-bank financial institution supervised by the Bangko Sentral ng Pilipinas (BSP). Membership is based on a well-defined group as provided for by our charter.
Regular Members who are still building up to reach the Php 3M Capital Contribution Account (CCA) ceiling may place a maximum of Php 15,000 per quarter through over-the-counter deposit. If the members wish to avail of the automatic monthly Capital Contribution deduction scheme through Salary or Pension, they may deposit a maximum of Php 75,000 per quarter (or Php 25,000 per month). In which case, over-the-counter deposit is no longer allowed.
Pursuant to AFPSLAI Board Resolution No. 2016-009-8089, AFPSLAI no longer accepts capital contribution deposit through over-the-counter (OTC) transactions for Associate Members. This policy aims to maintain a proper balance between the various stakeholders’ interests, improve efficiency, and ensure future growth of the Association. There is still no advisory from the Board as to when the said stoppage will be lifted.
Pursuant to BSP Circular 789, AFPSLAI declares dividends annually. The annual dividend rate is declared upon finalization of the audited financial statements. The rate is subject to approval by the BSP.
Once the CCA balance goes below Php 1,000, membership of the member will be terminated.
