FAQ: How much CBU do I need to apply for a loan?

A: Your required CBU contribution depends on the amount of the loan you're applying for. Below is a breakdown of the current CBU requirements per loan bracket:

💼 CBU Requirements by Loan Amount: 📍 ₱10,000 – ₱45,000

• CBU Value: ₱3,000 – ₱19,000 (Estimated Range)

• Best for: First-time borrowers or small financial needs

• Note: Standard entry-level loan tier.

📍 ₱50,000 – ₱100,000

• CBU Value: ₱20,000 (Fixed)

• Best for: Members building stronger credit with slightly higher loan needs

📍 ₱101,000 – ₱300,000

• CBU Value: 20% of the loan amount

• Best for: Members needing more flexible loans; CBU is calculated based on the loan size

📍 ₱301,000 – ₱500,000

• CBU Value: ₱70,000 (Fixed)

• Best for: Members with mid-range financial needs (e.g., property improvement, equipment)

📍 ₱501,000 – ₱900,000

• CBU Value: ₱90,000 (Fixed)

• Term: Up to 8 years

• Best for: Major expenses or large investments

📍 ₱901,000 – ₱3,500,000

• CBU Value: 10% of the loan amount

• Term: Up to 10 years

• Best for: Business capital, real estate, or significant life investments

📌 Reminder: The CBU strengthens both your ownership in TALCRECO and the cooperative’s ability to serve its members effectively. Always ask the Loan Office for exact figures based on your application.