Personal Loan Pre-Credit Evaluation Step 1 of 4 25% This is our pre-credit evaluation questionnaire, designed to help us assess your likelihood of receiving an offer for the CTBC Bank Salary Stretch Loan. I value your time, and as your agent, my goal is to provide honest and realistic expectations—no false hope. By answering these questions, I can better guide you through the process and, if needed, suggest possible alternative financing options that may suit your needs. Let’s get started!First Name(Required) What name should I call you by? I dot not need your fall name, since this our pre-credit evaluation. All your documents, such as your valid ID, payslip, and COE are not needed this time. But keep them intact though.Viber Number(Required)If you do not have a Viber account yet, you can install it for FREE from the Google Playstore or App Store. I will only message you via Viber (not via traditional SMS).Email(Required) Enter Email Confirm Email Your email address is needed so that I have other means to contact you after the pre-credit evaluation.Consent(Required) I agree to the privacy policy. Please make sure that you choose the most appropriate option as your employment status. For example, if you have been working as a private employee for more than a year, please choose the first option.What is your employment status?(Required) Private Employee (working for 1+ year) Private Employee (working for less than 1 year) BPO Employee (working for 3+ years) BPO Employee (working for less than 3 years) Public Employee Overseas Filipino Workers (OFW) Contractual Employee Freelancer Business Owner (operating for 3+ years) Business Owner (operating for less than 3 years) I have no job right now Do you have a credit card?(Required) Yes (been using for more 1+ year) Yes (been using for less than 1 year) No, I do not have a credit card yet I ask if you own a credit card because it plays a crucial role in assessing your creditworthiness. A credit card helps build your credit history by showing a track record of responsible spending and on-time payments. This is a key factor in determining your credit score, which lenders use to evaluate loan applications. A well-managed credit card can strengthen your financial profile, making you a more attractive borrower and increasing your chances of loan approval. Lenders need to see that you have a steady income before approving a loan—it’s their way of making sure you can actually pay it back. Your income shows them that you can handle regular loan payments, so without a stable source of earnings, they won’t be confident that you can afford the loan.Do you earn ₱30,000 or more?(Required) Yes No How much is your basic monthly salary?(Required)Please enter a number from 1000 to 500000.How much is your total approximate monthly expenses?(Required)Please enter a number from 1000 to 500000.I ask this to help you evaluate whether applying for a loan is the right decision for you. Your Debt-to-Income (DTI) ratio is a crucial factor that lenders use to determine your ability to repay the loan on time. A healthy DTI ratio increases your chances of approval and ensures that taking on new debt remains manageable within your financial capacity. A good Debt-to-Income (DTI) ratio is usually below 36%, but the exact limit depends on the lender and the type of loan you’re getting.Do you have existing loans?(Required) Yes (with on-time payment) Yes (with some missed payments / late payments) I have existing loans with OLA or Online Loan Apps I have loans in the past (fully paid) No, it’s my first time to apply for a loan I’d rather not say Why I ask this? If you will proceed with the loan application, you will sign a consent form explicitly authorizing a bank or lender to check your credit score, they can request your credit report from the Credit Information Corporation (CIC) or accredited Special Accessing Entities (SAEs) such as TransUnion Information Solutions Philippines and CIBI Information, Inc. This allows the lending or financing company to assess your creditworthiness before approving your loan application. A credit report is a summary of your financial transactions submitted to the CIC, the government agency authorized to collect and consolidate credit data under Republic Act 9510 (the Credit Information System Act). Will you be able to submit these documents? Please check all that apply.(Required) Latest 1 month payslip Certfificate of Employment (COE) 1 Government-Issued ID Company ID Tax Identification Number Proof of Billing* BIR FORM 2316 (ITR) (optional document) *A proof of billing will be required if the address on your valid ID does not match your current address.