Products and Services

Services


Savings Deposit

Offers Individual and Joint Accounts, Corporate Business Accounts and In-Trust For (ITF) Account

Interest: 1% per annum


Student Savers Account

Savings account designed primarily for the young students who are 0 to 16 years old, as it is intended for their college studies. It teaches students the value of managing and instilling the discipline of saving. One can open an account for as low as P100 as initial deposit, with a minimum maintaining balance of PhP 500.00 to earn 1% interest per annum, posted monthly. A special passbook makes it easy to monitor the growth of the account.

Interest: 1% per annum


Time Deposit

(5-YEAR TERM)- Nontaxable; up to 7% per annum interest to be paid monthly credited to the depositor’s savings account and can be withdrawn anytime.

Interest: 2%-6% per annum



Loan Products


Car Loan


Target clients are public/private employees, OFW, and business owners.




Interest Rate: 16% per annum

Service Charge: 6.5%

Term: 6 mos.- 2 years

Mode of Payment: Monthly


  • 4 pcs. 2x2 ID Picture
  • 1 valid photo bearing ID
  • EMPLOYED
    • 3 months pay slip/payroll/certificate of remuneration
    • Certificate of Employment
  • OFW
    • Updates Passport and/or Visa (Stamped)
    • Proof of Income
  • Business Owner
    • Single Proprietor
      • DTI and Business Registration
      • Bank Statement for six months
      • ITR and FS (Net income not less than 20K/month)
      • Post Dated Check for the whole term
    • Corporations
      • Articles of Incorporation and By Laws
      • Notarized Secretary’s Certificate of last election of the Board of Directors and Officers
      • SEC Registration
      • Latest Residence Certificate of the Corporation’s authorized signatories
      • Bank Statement for six months
      • ITR AND FS
      • Business Permit
      • Post Dated Checks for the whole term
      • Notarized Board Resolution to apply for a loan (state the amount) and same resolution to include authorized signatories of at least two key Officers to sign all pertinent documents for the loan
    • Institutions
      • Authority to enter a contract with RBR from top management
      • Certificate of budget allocation from all admin and finance
      • Business Permit
      • Board Resolution
      • Proof of Income
  • Post Dated Check
  • 1 qualified co-maker
    • 1 valid Photo Bearing ID
    • Proof of Income
    • Cash Flow
  • OR/CR
  • Chattel Mortgage


OFW / Allotment Loan


Must be a Filipino Citizen from 21 to 55 years of age and has a valid work contract abroad.




Interest Rate: 24% per annum

Service Charge: 6.5%

Term: Maximum of 1 year (not exceeding the term of the contract) Term of Sea Based OFW shall not exceed 8 months

Loan Amount: 60% of Allotment (shall not exceed to Php 300,000.00)

Mode of Payment: Monthly


  • ATM or Passbook
  • 4 pcs. 2x2 ID Picture
  • 1 valid photo bearing ID
  • Marriage Contract (for Spouse if recipient) or Birth Certificate (if parent is recipient or if sibling is recipient, one for each)
  • Allotment Certificate
  • Photocopy of passport of OFW
  • Photocopy of Visa, if applicable (for Visa countries)
  • Special Power of Attorney or dated and signed authorization for Spouse/Parent/Child/Sibling (Sea-based OFW)
  • Recent Crew or Employment Contract
  • 3 mos. continuous proof of remittances from bank or from remittance agencies (must be the most recent; must be under the name of the beneficiary)
  • 1 qualified co-maker
    • 1 valid Photo Bearing ID
    • Proof of Income
    • Cash Flow


Back-To-Back Loan


Anyone that has an existing time deposit in RBR. Actual Interest of Time Deposit. A maximum loan amount of 80% of his/her time deposit accounts.




Interest Rate: Actual Interest of Time Deposit

Service Charge: 5%

Term: Maximum of 1 year (must have same term with Time Deposit)

Loan Amount: 80% of Time Deposit

Mode of Payment: Monthly


  • 2 pcs. 2x2 ID Picture
  • 1 valid photo bearing ID
  • Certificate of Time Deposit


MSME (Micro Small Medium Enterprise) Loan


Target clients for financing are entrepreneurs/businessmen and graduating micros with 3 years business track record. Purpose for the loan is for expansion, business line diversification and additional capital.




Interest Rate:
15% per annum (Fully Secured)
21% per annum (Partially Secured) Unsecured
24% per annum (1 year)
27.6% per annum (1 and ½ years)
28.8% per annum (2 years)
30% per annum (3 years)

Service Charge: 6.5%

Term: 1 year- 3 years

Loan Amount: Php 50,000.00 and above

Mode of Payment: Monthly


  • 4 pcs. 2x2 ID Picture
  • 1 valid photo bearing ID
  • Business registration papers (with business and mayor’s permit) OR DTI Certificate of Registration
  • Business/ Company Profile
  • Business Pictures
  • Latest ITR and BIR-filed financial statements or In-house FS for the past 2-3 years
  • Most Recent Proof of Residency (Utility Bills at least 2)
  • Post Dated Check for the whole term
  • 1 qualified co-maker
    • 1 valid Photo Bearing ID
    • Proof of Income
    • Cash Flow

*** With Php 1,000.00 non-refundable inspection fee


Agri-Agra Loan


Shall be granted only to and exclusively for the following purposes: 1.) Farm expenses, like labour, in connection with the preparation, planting and cultivation of the farm, harvesting, transportation and storage and marketing of products; 2.) Purchase of seeds, fertilizers, work animals, equipment and machinery necessary for the operation of the farm or hire such work animals, equipment and machinery; 3.) Purchase of animals, poultry, or fish for breeding purposes; 4.) Minor repairs, constructions, or improvements in the farm or fish pond to maintain or increase productivity.




Interest Rate: 15% per annum (Fully Secured)

Service Charge: 5%

Term: Maximum of 1 year

Loan Amount: 60% of the appraised value (Branch Approval) or 70% of the appraised value (Board Approval)

Mode of Payment: Lump Sum


Pre-application
  • 4 pcs 2x2 ID Picture
  • 1 valid photo bearing ID
  • Proof of Income
  • Photocopy of OCT/TCT
  • Vicinity Map
  • Tax Declaration and Tax Receipt
Prior to Release
  • Original copy of Sketch Plan with Vicinity Map
  • Original copy of OCT/TCT (collateral)
  • Special Power of Attorney, if applicable
  • Original copy of Real Estate Tax Declaration
  • Original copy of current Real Estate Tax Receipt or Tax Clearance
  • Certification from:
    • Provincial/City Register of Deeds or
    • RTC/MTC
  • Affidavit of non-tenancy (1 hectare or more)
  • DAR Clearance (5 hectares or more)
  • Insurance Policy for Improvements
  • Bond to answer claims for Section 4 Rule 74, if applicable
  • Other documents pertaining to liens
  • ------------------------------------
  • 1 qualified co-maker (for borrower 60 y.o and above)
    • 1 valid Photo Bearing ID
    • Proof of Income
    • Cash Flow


Pension Loan


Retired Government or Private employees who are receiving monthly pension from SSS, GSIS and PVAO and must not be over 70 years old.




Interest Rate: 24% per annum

Service Charge: 6.5%

Term: Maximum of 1 year

Loan Amount: Maximum of 80% monthly pension x term of loan in months but must not exceed P 550,000.00

Mode of Payment: Monthly


  • ATM or Passbook
  • 4 pcs. 2x2 ID Picture
  • 1 valid photo bearing ID
  • Bank Statement for 3 months or Certificate as Pensioner (for GSIS Pensioner)
  • 1 qualified co-maker
    • 1 valid Photo Bearing ID
    • Proof of Income
    • Cash Flow


Salary Loan (LGU Office and Barangay Officials)


May be granted to individuals who derived their income from employment in public or private firms.




Interest Rate: 18% per annum

Service Charge: 5%

Term: Maximum of 3 year

Loan Amount:
Regular: Based on minimum Php 2,000.00 net take home
Barangay: Based on minimum Php 500.00 net take home

Mode of Payment: Monthly


  • 4 pcs. 2x2 Picture
  • 1 valid photo bearing ID
  • Certification from Head of Office
  • Latest Appointment
  • 3 months latest payroll/ Pay Slip/ Proof of Income or Certificate of Remuneration
  • 1 qualified co-maker
    • 1 valid Photo Bearing ID
    • Proof of Income
    • Cash Flow


Jewelry Loan


Anyone that has a gold jewelry at least 14K.




Interest Rate: 1.25% (100K and above)

Service Charge: 1%

Term: 4 months

Loan Amount:
50% of appraised value

Mode of Payment: Monthly


  • Jewelry Item/s at least 14K
  • 1 valid photo bearing ID
  • Proof of Income (50K and above)


iLoan (Instant Loan)


Open to client that has a proper collateral.

    Acceptable Items
  • Smart phones
  • iPad (Mini, Air)/iPod/Tablet (Samsung, Lenovo, Asus, Sony)
  • Laptop
  • Digital Camera/ DSLR
  • Valid OR/CR (vehicles)




Interest Rate: 1.5%

Service Charge: 2.5%

Term: 2 months- 6 months

Loan Amount:
Amount depending purchase of equipment

Mode of Payment: Monthly


  • 4pcs 2x2 ID Picture
  • 1 valid photo bearing ID
  • Proof of Income
  • Must open savings account of Php 1,000.00 (20K and above)
  • 1 qualified co-maker
    • 1 valid Photo Bearing ID
    • Proof of Income
    • Cash Flow


Equipment Financing Loan


Open to all clients who can pay especially to businessmen, contractors and engineers. The prospect client will be financed by the bank with only 70% of the amount of the equipment (30% from the client). It has an annual interest rate of 16% and 6.5% service charge with a minimum term of six (6) months and maximum term of three (3) years.




Interest Rate: 16% per annum

Service Charge: 6.5%

Term: 6 months- 3 years

Loan Amount:
Amount depending purchase of equipment

Mode of Payment: Monthly