personal

 

To qualify for PF loans, a salaried customer must satisfy the following conditions:

  1. The applicant must be a worker in regular employment who channels his or her monthly salary through FGSL.
  2. The applicant who is newly engaged at his establishment must operate account with the Company for at least 3 to 6 months. However, an applicant who is already in employment with a recognized organization for at least six (6) months is required to operate account with the Company for at least three (3) months.
  3. The debt service ratio which is the monthly repayment should not be more than 50% of the net salary of the applicant.
  4. The facility must be guaranteed by the applicant’s employers, represented by either the Chief Executive or the Financial Controller/Bursar for Educational Institutions or the Regional Directors (Educ. Services) or Administrative Directors or their authorized representatives. Additionally, the loan must be guaranteed by a family member acceptable to FGSL.
  5. The repayment period for the loan is between six (6) to twenty-four (24) months and may be promptly renewed upon full retirement of previous loan.

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