Principal ₱5,000.

00 Maturity
Interest 10.00% 30days 60 Days
Daily Payment ₱183.33 ₱100.00

Total Amount Paid ₱5,500.00 ₱6,000.00

Principal ₱20,000.00 Maturity
Interest 20.00% 60 Days 120 Days
Daily Payment ₱800.00 ₱466.67

Total Amount Paid ₱24,000.00 ₱28,000.00

Payment Schedule
Principal
Interest Rate
Maturity Date (Days)
Daily Payment
TOTAL
Starting Date

₱3,000.00
₱3,000.00
₱3,000.00
₱3,000.00

₱12,000.00
Payment is every payday or 15th
Additional 10% per month for an
Additional 10% per month is computed b

Payment Schedule
Principal
Interest Rate
Maturity Date (Days)
Daily Payment
TOTAL
Starting Date

₱4,900.00
 ₱4,900.00
₱4,900.00
₱4,900.00
₱4,900.00
₱4,900.00
₱4,900.00
₱4,900.00
₱2,800.00

₱42,000.00
Payment is every payday or 15th
Additional 10% per month for an
Additional 10% per month is computed b

Payment Schedule
Principal
Interest Rate
Maturity Date (Days)
Daily Payment
TOTAL
Starting Date

₱5,000.00
₱5,000.00
₱5,000.00
₱5,000.00
₱5,000.00
₱5,000.00
₱5,000.00
₱5,000.00
₱5,000.00
₱3,000.00
₱48,000.00
Payment is every payday or 15th
Additional 10% per month for an
Additional 10% per month is computed b
 Lending
Days
1st - 30th Day
31st - 60th Day
61st - 90th Day
91st - 120th Day
121st - 150th Day
151st-180th Day
181st - 210th Day
211th - 240th Day
241st - 280th Day
281st - 320th Day
with 3-d

Payment Schedule
Principal
Interest Rate
Maturity Date (Days)
Daily Payment
TOTAL
Starting Date

₱2,400.00
₱2,400.00
₱2,400.00
₱2,400.00
₱2,400.00

₱12,000.00
Payment is every payday or 15th
Additional 10% per month for an
Additional 10% per month is computed b

Payment Schedule
Principal
Interest Rate
 Maturity Date (Days)
Daily Payment
TOTAL
Starting Date

₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50
₱2,549.50

₱61,188.00
Payment is every payday or 15th
Additional 10% per month for an
Additional 10% per month is computed b

Payment Schedule
Principal
Interest Rate
Maturity Date (Days)
Daily Payment
TOTAL
 Starting Date

₱2,200.00
₱2,200.00
₱2,200.00
₱2,200.00
₱2,200.00
₱2,200.00
₱2,200.00
₱2,200.00
₱2,200.00
₱2,200.00
₱2,200.00
₱1,800.00

₱26,000.00
Payment is every payday or 15th
Additional 10% per month for an
Additional 10% per month is computed b

Lending
Days
1st - 30th Day
31st - 60th Day
61st - 90th Day
91st - 120th Day
121st - 150th Day
151st-180th Day
181st - 210th Day
211th - 240th Day
241st - 280th Day
281st - 320th Day
with 3-d

Payment Schedule
Principal
Interest Rate
 Maturity Date (Days)
Daily Payment
TOTAL
Starting Date

₱4,000.00
₱4,000.00
₱4,000.00
₱4,000.00
₱4,000.00
₱4,000.00
₱4,000.00
₱4,000.00
₱4,000.00
₱4,000.00

₱40,000.00
Payment is every payday or 15th
Additional 10% per month for an
Additional 10% per month is computed b
 5th 20th
₱10,000.00
20.00%
60
₱200.00 John Amiel Billones (Debtor)
₱12,000.00 Glenn Bryan Dela Cruz (Guarantor)
9 June 2020

5 July 2020
20 July 2020
5 Aug 2020
20 Aug 2020

Total
nt is every payday or 15th day . With 3-day grace period from due date.
onal 10% per month for another payment extension after maturity date.
% per month is computed based on the remaining outstanding principal balance.

Every Monday
₱35,000.00
20.00%
60
₱700.00 CHESTER ACE TULABOT (Debtor)
₱42,000.00 CECILIA TULABOT (Guarantor)
27 January 2019

3 February 2019
 10 February 2020
17 February 2020
15 February 2020
24 February 2020
2 March 2020
9 March 2020
16 March 2020
23 March 2020

Total
nt is every payday or 15th day . With 3-day grace period from due date.
onal 10% per month for another payment extension after maturity date.
% per month is computed based on the remaining outstanding principal balance.

Weekly Every Tuesday

₱40,000.00
20.00%
60
₱800.00 Chester Ace Tulabor (Debtor)
₱48,000.00 Cecilia Tulabot (Guarantor)
10 March 2020

24 March 2020
31 March 2020
7 April 2020
14 April 2020
21 April 2020
28 April 2020
5 May 2020
12 May 2020
19 May 2020
26 May 2020
Total
nt is every payday or 15th day . With 3-day grace period from due date.
onal 10% per month for another payment extension after maturity date.
% per month is computed based on the remaining outstanding principal balance.
 Lending Rates (2018)
Month(s) Add-on Interest Rates Total Rates
1 month 10% 10%
2 months 10% 20%
3 months 10% 30%
4 months 10% 40%
5 months 15% 55%
6 months 15% 70%
7 months 15% 85%
8 months 15% 100%
9 months 20% 120%
10 months 20% 140%
with 3-day grace period only

Every other Thursday

₱10,000.00
20.00%
60
₱200.00 Rommel Rosales (Debtor)
₱12,000.00 Melody Rosales (Guarantor)
11 Mar 2020

19 Mar 2020
2 Apr 2020
16 Apr 2020
30 Apr 2020
14 May 2020

Total
nt is every payday or 15th day . With 3-day grace period from due date.
onal 10% per month for another payment extension after maturity date.
% per month is computed based on the remaining outstanding principal balance.

1st 24mos
₱50,990.00
20.00%
 720
₱84.98 Louie Banag (Debtor)
₱61,188.00 Janna Luciano (Guarantor)
1 Nov 2019

1 December 2019
1 January 2020
1 February 2020
1 March 2020
1 April 2020
1 May 2020
1 June 2020
1 July 2020
1 August 2020
1 September 2020
1 October 2020
1 November 2020
1 December 2020
1 January 2021
1 February 2021
1 March 2021
1 April 2021
1 May 2021
1 June 2021
1 July 2021
1 August 2021
1 September 2021
1 October 2021
1 November 2021

Total
nt is every payday or 15th day . With 3-day grace period from due date.
onal 10% per month for another payment extension after maturity date.
% per month is computed based on the remaining outstanding principal balance.

5th 20th CREDIT CARD

₱20,000.00
30.00%
180
₱144.44 John Amiel R. Billones (Debtor)
₱26,000.00 Glenn Bryan Dela Cruz (Guarantor)
 12 Dec 2019

5 Jan 2020
20 Jan 2020
5 Feb 2020
20 Feb 2020
5 Mar 2020
20 Mar 2020
5 Apr 2020
20 Apr 2020
5 May 2020
20 May 2020
5 Jun 2020
20 Jun 2020

Total
nt is every payday or 15th day . With 3-day grace period from due date.
onal 10% per month for another payment extension after maturity date.
% per month is computed based on the remaining outstanding principal balance.

Lending Rates (2019)

Month(s) Add-on Interest Rates Total Rates
1 month 10% 10%
2 months 10% 20%
3 months 10% 30%
4 months 10% 40%
5 months 10% 50%
6 months 10% 60%
7 months 15% 75%
8 months 15% 90%
9 months 20% 110%
10 months 20% 130%
with 3-day grace period only

15th 30th 6months

₱25,000.00
60.00%
 180
₱222.22 Marc Augustus Fabreag (Debtor)
₱40,000.00 Sandhra Kamille Fabreag (Guarantor)
24 Feb 2020

15 Apr 2020
30 Apr 2020
15 May 2020
30 May 2020
15 Jun 2020
30 Jun 2020
15 Jul 2020
30 Jul 2020
15 Aug 2020
30 Aug 2020

Total
nt is every payday or 15th day . With 3-day grace period from due date.
onal 10% per month for another payment extension after maturity date.
% per month is computed based on the remaining outstanding principal balance.
 Penalties
7 days extension 2.5% of the Original Principal
15 days extension 5% of the Original Principal
30 days extension 10% of the Original Principal
 PAYMENT HISTORY
Name of Debtor Marc Augustus Fabreag
Name of Guarantor Sandrha Kamille Fabreag
Payment Schedule Every 15 days 15th & 30th of the Mon
Starting Date Feb. 18, 2020
Principal Loan ₱25,000.00
Interest Rate
Maturity Date 180days Aug. 18, 2020
Total Loan ₱40,000.00
Outstanding Balance Payment Interest Ending Balance
₱25,000.00 ₱15,000.00 ₱40,000.00
₱40,000.00 ₱4,000.00 ₱36,000.00
₱36,000.00 ₱4,000.00 ₱32,000.00
₱32,000.00 ₱4,000.00 ₱28,000.00

Payment is every payday or 15th day. With 3-day grace period from
Additional 10% per month for another payment extension after matu
Additional 10% per month is computed based on the remaining outstanding
HISTORY
arc Augustus Fabreag
ndrha Kamille Fabreag
15th & 30th of the Month
Feb. 18, 2020
₱25,000.00
Total 60.00%
Aug. 18, 2020
₱40,000.00
Date Remarks
Feb. 18, 2020 Feb-Aug 60%
Apr. 06, 2020
Apr. 24, 2020
May. 24, 2020

ith 3-day grace period fromdue date

yment extension after maturity date.
the remaining outstanding principal balance
 Jenny Vi Luciano
₱81,372.96 BPI Loan
₱4,200.00 Dubai Visa
₱28,990.00 iPhone 7+
₱4,575.00 EO
₱2,200.00 iStudio iP7+ Case
₱121,337.96 TOTAL LOAN
PAYMENTS
Amount Date Balance
₱22,603.60 Nov 05 2019 ₱98,734.36
i Luciano Janna Lu
BPI 36mos Jan 05 2019 ₱51,490.00
BPI Jan 05 2019 ₱51,990.00
BPI 24mos Nov 15 2019
BPI Nov 15 2019
BPI Nov 15 209
TOTAL LOAN Nov 15 2019 ₱103,480.00
MENTS PAYME
Status Amount Date
BPI Loan 10of36 ₱51,490.00 Oct 30 2019
Janna Luciano
iP8+ MB 24mos Aug 28 2018
iP11 BPI 24mos Nov 01 2019

TOTAL LOAN Nov 01 2019

PAYMENTS
Balance Status
₱51,990.00 iP8+ 24of24
 Jeanna Luciano
₱28,800.00 Samsung A8 CB 24mos
₱10,000.00 Gold's Gym BDO 3mos
₱15,000.00 iPhone 7 BDO 6mos

₱53,800.00 TOTAL LOAN

PAYMENTS
Amount Date Balance Status
₱20,400.00 Dec 02 2019 ₱33,400.00 Samaung A8 17of24
₱10,000.00 Dec 02 2019 ₱23,400.00 Golds Gym 3of3
 Jul 30 2018
Sep 03 2019
May 15 2019

Sep 03 2019

Status
Samaung A8 17of24
Golds Gym 3of3
 Loan Renewal
Renewal day Number of default payments
1 day after full payment without or with one default payment only
3 days after full payment with two default payments
7 days after full payment with three or more default payments
*Same day renewal after full payment is applicable for good payor only.
*Good payors are debtor who pays in full and on-time every payday.
*Loan renewal is applicable upon full payment only.