Ano ang CASH LOAN CARES program ng DTI?
Ang COVID19 Assistance to Restart Enterprises o CARES program ng DTI ay ang simula sa P1B pondo na Enterprise Rehabilitation Financing sa ilalim ng Pondo sa Pagbabago at Pag-asenso (P3) para magbigay suporta sa mga micro and small businesses na apektado ng quarantines at lockdown dahil sa Corona Virus 2019 sa bansa.
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Sino ang mga Kwalipikadong Makapanghiram?
1. 100 Percent na mga Micro o Small Enterprise na Pag-aari ng Filipino
2. Ang tindahan o negosyo ay nagsisimula na noong 16 March 2020
3. Apektado ng Enhance Community Lockdown
4. Ang negosyo o capital o kabuuang kumpanya ay may asset na hindi lalagpas sa P15M
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Magkano ang maloloan o mahihiram na pera?
1. Ang mga tindahan na may asset na hindi lalagpas ng P3M ay makakahiram ng P10K hanggang P200K2. Ang Small Enterprise na may asset size na hindi lalagpas sa P15M ay makakahiram ng hindi lalagpas sa P500K
Magkano ang interest Rate at Grace Period?
0.5% Kada buwan ang magiging interes kada buwan at may 6 months na maximum grace period on principal repayment
Halimbawa kung ikaw ay nakahiram ng P10K ang babayaran mong interes kada buwan ay P500
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Ano ang Loan Payment Terms o Hanggang Kailan dapat bayaran ang utang?
PARA SA HIHIRAM NG P10K to P50K
PARA SA MAGCACASH LOAN NG P150K up to P200K to P500K
Tingnan sa larawan o info graphics na ito ang mga kaukulang requirements.
The ERF loan fund will have the following features:
Micro and small enterprises with at least one year continuous operation prior to March 2020, and whose businesses suffered drastic reduction in sales during the ensuing epidemic may access the loan fund;
Micro enterprises with asset size of not more than P3.0 million may borrow P10.0 thousand up to P200.0 thousand;
Small enterprises with asset size of not more than P10.0 million may borrow a higher loan amount but not to exceed P500.0 thousand;
The loan shall be used to help the enterprise stabilize or recover from its losses. Specifically, the following purposes are qualified:
Updating of loan amortizations for vehicle loans or other fixed asset loans of the business;
Inventory replacement for perishable stocks damaged;
Working capital replacement to restart the business
Interest rate shall be at 0.5% per month (discounted basis); and
Grace period on payments shall be given until such time that the economic crisis has abated.
According to DTI Secretary Ramon Lopez, the P3-ERF facility is part of the economic relief program of the administration of President Rodrigo Roa Duterte for small businesses further marginalized by the Covid19 epidemic.
Ano ang Loan Payment Terms o Hanggang Kailan dapat bayaran ang utang?
Dapat mabayaran ang utang sa loob ng 12 na buwan hanggang 24 na buwan (Exclusive of Grace Period)
Anong mga Loan Requirements?
1. Mandatory requirements sa lahat ng manghihiram ang Fully accomplished Loan Application Form
2. Isang government Issued ID with picture
3. Proof of permanent business address
1. Dapat may pisikal na assets halimbawa food cart, tindahan, o kung anumang lutuan o simple equipment at inventory ng mga paninda
2. Barangay Business Certification / Permit
PARA SA CASH LOAN NA P50K to P150K
1. DTI/SEC BUSINESS REGISTRATION
2. Barangay Business Certification / Permit
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Tingnan sa larawan o info graphics na ito ang mga kaukulang requirements.
In order to support micro and small businesses affected by the economic impact of Covid19 in the country, the Small Business Corporation under the guidance of the Department of Trade and Industry is setting up a P1.0 billion Enterprise Rehabilitation Financing facility under the Pondo sa Pagbabago at Pag-asenso (Covid19 P3-ERF for short). The facility will be implemented once the Community Quarantine declarations are lifted by the National Government and/or respective Local Government Units.
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Micro and small enterprises with at least one year continuous operation prior to March 2020, and whose businesses suffered drastic reduction in sales during the ensuing epidemic may access the loan fund;
Micro enterprises with asset size of not more than P3.0 million may borrow P10.0 thousand up to P200.0 thousand;
Small enterprises with asset size of not more than P10.0 million may borrow a higher loan amount but not to exceed P500.0 thousand;
The loan shall be used to help the enterprise stabilize or recover from its losses. Specifically, the following purposes are qualified:
Updating of loan amortizations for vehicle loans or other fixed asset loans of the business;
Inventory replacement for perishable stocks damaged;
Working capital replacement to restart the business
Interest rate shall be at 0.5% per month (discounted basis); and
Grace period on payments shall be given until such time that the economic crisis has abated.
According to DTI Secretary Ramon Lopez, the P3-ERF facility is part of the economic relief program of the administration of President Rodrigo Roa Duterte for small businesses further marginalized by the Covid19 epidemic.
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