Computed based on the Net-Take-Home Pay (NTHP) requirement set by each Branch of Service
Subject to Single Borrower’s Limit (SBL)
Requirements (click to view the documentary requirements) Note: All borrowers must accomplish the Loan Application Form (including the Promissory Note and Authorization to Deduct)
BRANCH OF SERVICE
REQUIREMENTS
PNP
PNP Clearance/Non-Pending Case or IAS if from region
Certificate of Duty Status
PNP ID
BFP
IAS Clearance (BFP NHQ) or Unit Non-Pending Case
Statement of Service/Appointment Order for 1st Loan
2 valid IDs
BJMP
Latest ID Picture
Latest Payslip
Legal Service Certification (Non-Pending Case)
Service Record or Duty Status
Photocopy of BJMP ID - affix 3 signatures on photocopy
GHQ Active & CE; TAS Military &CE
Latest ID Picture
Latest Payslip
AFP Military ID – affix 3 signatures on photocopy
DLO or JAGO/Provost equivalent
Enlistment or Reenlistment Order; attach willingness to re-enlist when necessary/Permanent Appointment for CE with at least 1 year in service
PA
Latest ID Picture
Latest Payslip
AFP Military ID
DLO or JAGO/Provost equivalent
Enlistment or Reenlistment Order/CAD for newly Grad Officer; attach willingness to re-enlist when necessary
PAF
Latest ID Picture
Latest Payslip
PAF Military ID
Discipline Law and Order Clearance (Unified Clearance)
Enlistment or Reenlistment Order/CAD for newly Grad Officer; attach willingness to re-enlist when necessary
Any of the following (as applicable):
Spouse Consent* and Dependent ID (for married)
Certificate of Singleness (for single)
Court Order (if separated)
*Spouse Consent shall be in the form of certification either typed or handwritten
PN
Latest ID Picture
Latest Payslip
PN ID
JAGO or Provost Clearance or Statement of Records from PN Centralized Clearance System (PNCCS) for PN (M)
Enlistment or Reenlistment Order/CAD for newly Grad Officer; attach willingness to re-enlist when necessary
PNP Pensioner
PNPR ID
BFP Pensioner
2 valid IDs
AFP Pensioner
Latest ID picture
PVAO Pensioner
AFPSLAI ID & photocopy of PVAO Pen ID (front and back)
Latest 2x2 ID Picture
PVAO Passbook (SD012)
PNPR NAPOLCOM
Latest ID Picture
Pensioner’s ID or any 2 vaild IDs in case of lost of Pensioner’s ID
Civilian Employees/Non-Uniformed Personnel
AFPSLAI ID and photocopy of employee’s ID (front and back)
Latest 2x2 ID Picture
Latest Original Payslips (2)
Certificate of Non-Pending Case
Signature of CO and DO (except PNP NUP)
Permanent Appointment Order
Loan Assessment Form (GHQ/VLuna CE)
AFPMBAI Employee
AFPSLAI ID and photocopy of employee’s ID (front and back)
Latest 2x2 ID Picture
Latest Original Payslips (2)
Certificate of Non-Pending Case
Signature of CO and DO (except PNP NUP)
Permanent Appointment Order
2 co-makers and their latest payslip and photocopy of company ID
INSTRUCTIONS:
To know your monthly amortization:
Enter your desired loan amount.
Select the number of years you want to amortize your loan.
Click “COMPUTE” to know your monthly amortization or “RESET” to clear entries.
To know how much loan you can avail:
Enter your preferred amount of monthly amortization.
Select the number of years you want to amortize your loan.
Click “COMPUTE” to know your loan amount or “RESET” to clear entries.
Please note that the computation above is only indicative. You may call us or visit any AFPSLAI Branch nearest you for the actual details.
Procedures
Application at the Branch Office
Borrower submits LAF and requirements.
If submitted documents comply with all the requirements, Loan Specialist proceeds with the
processing of loan (new/renewal).
Upon approval of the loan, borrower proceeds to the Releasing Section/Tellering Section for the
release of his/her loan proceeds through cash, his/her Savings Deposit Account (SD-02) or
through Remittance Facility.
Borrower receives his/her loan proceeds.
Borrower signs the Loan Release.
Online Application
Borrower visit the AFPSLAI Website, click the e-Application Tab then click the e-Loan
Application.
Borrower fills out the online application form and gets the reference number.
Borrower prints and saves the generated form.
Borrower visits the selected branch office to submit the signed loan application form together
with the requirements.
Loan Specialist processes the loan.
Upon approval of the loan, borrower proceeds to the Releasing Section/Tellering Section for the
release of his/her loan proceeds through cash, his/her Savings Deposit Account (SD-02) or
through Remittance Facility.
Borrower receives his/her loan proceeds.
Borrower signs the Loan Release.
FAQs
Q: How long will it take for a loan to be released?
A: If all requirements are complete, the loan is released within the day.
Q: What is the Single Borrower’s Limit (SBL)?
A: It is the maximum loan amount that is allowed for a borrower. It is computed by multiplying the
regular monthly salary and allowances by 12, plus annual regular bonuses/incentives and existing
deposits with AFPSLAI.
Q: What is the Credit Redemption Insurance (CRI)?
A: CRI is the insurance that will cover the payment of the outstanding loan of a qualified borrower in
case of his/her death.
Q: What is the clearance needed in applying for a loan?
A: It depends on the branch of service requirement.
Q: Can I avail of another loan even if I still have an outstanding Salary Loan?
A: Yes. You can avail of the Emergency Loan, Multi-Purpose Loan, and other collateralized loan products,
depending on your paying capacity.
Q: When can I renew my Salary Loan?
A: You can renew your Salary Loan once your loan payment has reached at least 20% of the
amount borrowed.
Q: When I apply for loan renewal, do I get an overpayment for the continuous deduction of
my monthly amortization?
A: No, the amount deducted from your salary will be considered as first payment to your
renewed loan. This lowers your new loan balance from the programmed loan amount.
Q: Can I apply for a Salary/Pension Loan even when I am not yet receiving my pension?
A: A loan can only be granted once you are receiving your monthly pension.
Q: If a member dies and his loan is not fully paid yet, what will happen to his loan balance?
A: Effective January 17, 2011, all loans granted by AFPSLAI are covered by credit redemption insurance
(except for Back-to-Back Loan and for those denied coverage by the insurance provider & whose age is
over 80 years old). If the member/borrower dies during the term of the loan, all programmed balance
will be paid by the insurance provider for as long as the loan is not past due. On the other hand, all
current loans granted before the aforementioned date will be covered based on applicable policies.
