Presentation

1. A Presentation
to
05 February 2015
PICC, Pasay City

2. OUTLINE
About LANDBANK
LENDING PROGRAMS FOR LGUs
HOUSING PROGRAMS

3. • Principal depository of the Philippine
government
LANDBANK
Information on
• Priority sectors:
 Small Farmers and Fisherfolk
Cooperatives;
 Small and Medium Enterprises (SME)
 Local Government Units
• CAMELS rating of 4
• Ranked second highest in the
Corporate Governance Scorecard
among 40 GOCCs conducted by
the Department of Finance and
Institute for Corporate Directors
• 100% owned by the Government

4. LANDBANK
Information on
• International Standards
Organization (ISO) Certifications in:
 ISO 14001: Environmental
Management System
 ISO 9001: Quality Management
System
• 4th
largest bank in the Philippines in
terms of :
 Assets
 Capital
 Loans
 Deposits

5. AWARDS AND
RECOGNITIONS
LANDBANK named as
No. 1 Government
Securities Dealer for the
second straight year
LANDBANK bags 2014
ARTA Breakthrough
Agency Award
LANDBANK’s
Environmental Due
Diligence System is
Official Entry for
International Best
Practices Competition
LANDBANK cited
“Outstanding Lending
Bank” by BSP

6. Information on
 Awards Received:
 ADFIAP Award for
LANDBANK’s Carbon
Finance Support Facility
Program of Activities for
Piggery Farm and Sanitary
Landfill Projects
 PCCI Excellence in
Economy and Ecology
Award
LANDBANK’s Environmental
Programs and Practices
LANDBANK

7. Information on
 Green Bank Champion for
Environmental Due Diligence
by Bankers Institute of the
Philippines, Inc.
 Karlsruhe Merit Award for
Outstanding Sustainable
Project Financing
Loan facility extended to the
Municipal Government of
Sitangkai, Tawi-Tawi
Through the KfW-funded LIP
Supplemental II
Conferred by the European
Organisation for Sustainable
Development
LANDBANK

8. NUMBER OF BRANCHES
and EXTENSION OFFICES
As of 31 December 2014
NCR 85
NORTH & CENTRAL
LUZON
73
SOUTH LUZON 69
VISAYAS 54
MINDANAO 70
TOTAL 351
LBP
BRANCH
NETWORK

9. NUMBER
OF ATMs
As of 31
December
2014
Total
NCR 325
NCL 267
SL 238
VB 215
MB 293
Total 1,338
LBP ATM
NETWORK

10. FUNDING SUPPORT TO LGUs

11. Basis of Lending to LGUs
The Local Government Code of 1991
(RA 7160) provides that:
“ any local government unit (LGU) may avail
of credit facilities to finance local
infrastructure and other socio-economic
development projects in accordance with
the approved local development plan and
public investment program of the LGU.”

12. • Roads and bridges
• Sanitation, drainage & flood control
• Water supply
• Public market and slaughterhouse
• Hospitals
Eligible Projects
• School Buildings
• Bus terminals
• Ports & Harbors
• Computerization of fees and tax collection
• Waste management projects
• Power generation
• Other projects specified in the LGU’s approved local
development plan and public investment plan

13. Loan Amount
• Maximum of 90% of total project cost but not
to exceed the LGU’s Net Borrowing Capacity
Interest Rate
• Fixed or variable, based on prevailing
market rates
Loan Term
• Maximum of 15 years based on the cash
flow of the project or the estimated useful
life of the object to be financed

14. Collateral
Any or combination of the following:
• Assignment of the LGU’s regular income
including portion of Internal Revenue
Allotment (IRA) which in no case shall
exceed 20% of the LGU’s regular income
• Real Estate Mortgage
• Chattel Mortgage
• Hold-out on Deposits
CollateralCollateral

15. LOANS OUTSTANDING TO LOCAL GOVERNMENT UNITS
P11.6 BB
P31.3 BB

16. you
29 Cities29 Cities
17 Provinces17 Provinces
213 Municipalities213 Municipalities
29 Cities29 Cities
17 Provinces17 Provinces
213 Municipalities213 Municipalities

21. PROVINCE
CITY
MUNICIPALITY
2020 CitiesCities
4 Provinces4 Provinces
80 Municipalities80 Municipalities
2020 CitiesCities
4 Provinces4 Provinces
80 Municipalities80 Municipalities

25. PROVINCE
CITY
MUNICIPALITY
20 Cities20 Cities
1212 ProvincesProvinces
91 Municipalities91 Municipalities
20 Cities20 Cities
1212 ProvincesProvinces
91 Municipalities91 Municipalities

29. LANDBANK Calamity Rehabilitation
Support (CARES) Program
Available to various existing and new
customers who have been affected by the
calamity in areas that were declared under
the state of calamity by the Office of the
President and the Local Government Units

30. YOLANDA RECONSTRUCTION PROGRAM
• Available to areas affected by Typhoon
Yolanda
• Eighty Five (85) LGUs submitted 155 project
proposals
• Financial Mix of 80% grant and 20% equity
• YRP Consultant is currently evaluating these
project proposals

31. SUPPORT FOR STRATEGIC LOCAL
DEVELOPMENT & INVESTMENT PROJECT
(S2LDIP)
• Available to areas affected by Typhoon
Yolanda and Bohol earthquake
• Financial Mix of 90% grant and 10% loan from
S2LDIP
• Memorandum of Agreement (MOA) with DBM
and DPWH being finalized

32. LANDBANK
Housing Opportunities Made
Easy
( H.O.M.E. Program )

33. EASY ACCESS TO SHELTER YOU
(EASY) Home Loan
END BUYERS’ TIE UP
BAHAY PARA SA BAGONG BAYANI
( 3B )
HOUSING PROGRAMS

34. Eligible Borrowers
Filipino citizens
21 years old ( must not be not more than 65
years of age upon loan’s maturity )
Borrowers who are either gainfully employed
or with lawful and profitable business.
EASY ACCESS TO SHELTER YOU
(EASY) Home Loan

35. Loan Purpose
For the purchase of townhouse, Condominium unit,
lot, house & lot, and other residential unit
Construction of a residential building on a lot owned
by the borrower
Refinancing of existing housing loan with other
banks or Financing Firms or developers’ in-house
financing - provided said loan for refinancing has
not been past due* with other banks or financing
firms in the past 2 years.

36. Loanable Amount
Minimum of P 500,000.00
For Private Applicants
The Borrowing capacity of the individual borrower and his / her
spouse ( if applicable ) shall be based on the 30% of the verified
Gross Monthly Income
For Government Employees
The borrowing capacity shall be based on the amount as
required by GAA, after housing loan amortization.

37. Term of Loan
The loan shall have a maximum term of twenty (20)
years, provided the combined age of the borrower and
the term loan shall not exceed 65 years.
Interest Rate
Fixed or Variable based on the applicable EHL Loan
Rate
Collateral
The loan shall be secured by residential /
commercial real estate properties acceptable to
Landbank

38. END BUYERS-TIE PROGRAM
ELIGIBLE BORROWERS
 Individuals / End-buyers of properties from Developers with
existing Credit Lines with the bank or have passed the
“Accreditation Process” of the bank.
With endorsement from LBP-accredited Developer
- Filipino Citizen
- 21 years old but not more than 65 years of age upon loan
maturity
- With established source of income
- with No CI/BI adverse findings

39. Loanable Amount
Up to 90% of the contract price which includes selling
price, titling and taxes, or outstanding balance whichever is
lower.
For Socialized Housing
Outstanding balance which includes selling price,
titling and taxes.

40.  Loanable amount should be within the paying capacity
of the borrower:
For Private Employees
30% of the gross monthly income
For Government Employees
based on the amount as required by GAA, after
housing loan amortization

41. Term of Loan
Maximum term of twenty (20) years, provided the
combined age of the borrower and the term loan
shall not exceed 65 years.
For Socialized Housing
Maximum of 30 years provided the combined age of
the borrower and the term loan shall not exceed 65
years.

42. Bahay para sa Bagong Bayani
Eligible Borrowers
Available to OFWs who are;
Holding a live contract from a reputable company.
Filipino Citizens
21 years old but not more than 65 years of age upon
loan maturity
Clear of adverse/Credit Finding with other creditors

43. Loan Amount
Lowest of the paying capacity of the OFW, or loan
value of collateral (with loan value of 80%) provided
that;
Financing will be for the principal residence or
dwelling of the Borrower-OFW; and
The title should be under the name of the OFW

44. Tenor
The loan shall have the following maximum tenors:
20 years : for OFWs with co-borrower
15 years : for OFWs without co-borrowers
Collateral
Primarily, the Object of Financing, or separate prime
property if warranted
Others that may be accepted in addition to the object
of financing such as Deposits with Hold-out or
Agrarian Reform Bonds

45. For more information and further queries,
please visit or call:
 the nearest LANDBANK Lending Center in your
area; or
 Program Management Department 2
27th
floor LANDBANK Plaza
Malate, Manila
Tel Nos.: 405-7198; 551-2200 locals 2785, 2331

46. Thank you!