We provide various loan product designed to meet the needs of our members.
This type of loan is regularly provided to member/s of the Cooperative. It can be maximize up to the extent of maximum aggregate loan and renewable upon payment of the 50% of the existing loan balance.
This type of loan is for general purposes. Particularly an additional loan if Regular loan is already existing and renewable upon payment of 50% of the existing balance. The maximum term is up to 24 months only.
In partnership with CaMIA, CARD MRI staff may avail Sagip Plan insurance with a maximum loan amount of PhP10,000. Sagip Plan is a family insurance package with three (3) insurance benefit all in for only Php 2000.00 per family. The plan covers Personal Accident, Funeral Benefit of the principal member of the family, spouse and two (2) children and rehouse for the damaged of house due to fire and natural calamities like typhoon, flood and earthquake.
*For more information, please send an email to (empc official email) to get a copy of the terms and conditions and interest rate for loan application.
This type of loan intends for lot purchases, house repair and construction.
Pocket Loan Product
The product is launched as an additional loan to help EMPC members to support their minimal but immediate financial needs to augment their day-to-day cash or pocket necessity.