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China Bank Personal Loans

China Bank
Find out how simple it is to get a personal loan from China Bank in the Philippines via our online service. Designed to meet your requirements, we offer loans with attractive rates and adaptable payment options. Start your application today for swift approval.
Offers: 1
China Bank
China Bank SalaryPlus
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
₱15,000 - ₱1,000,000

Loan term for the financial product

up to 36 months
Get the money you need online
Get the money you need online

Use our quick loan matching system with a free credit check!

China Bank Personal Loans Calculator of February 2024

Your ideal online loan with a free credit check in the Philippines, just a few clicks away.

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No comment yet coz im not yet approved in my application
very fast
Please address my concerns regarding my loan application and its processing...
Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates...
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0...
China Bank Personal Loans

What are China Bank Loans?

China Bank offers a diverse range of loan products tailored to meet the various financial needs of individuals and businesses in the Philippines. These loans encompass different purposes, including home acquisition, renovation, construction, and reimbursement of newly acquired properties. Whether one is looking to purchase a vacant lot, a condominium unit, a townhouse, or a house and lot, China Bank provides flexible financing options with loan terms extending up to 20 years, ensuring accessibility and affordability for its customers. Moreover, the bank extends its lending services beyond real estate, offering salary loans through programs like Chinabank SalaryPlus, aimed at assisting employees of accredited companies in addressing their financial needs conveniently and affordably.

With competitive interest rates and easy payment options, China Bank's loan offerings empower individuals and businesses to achieve their goals efficiently. The bank's commitment to customer satisfaction is evident through its comprehensive loan application process, which includes flexible eligibility criteria and documentation requirements. Whether it's acquiring a dream home, addressing emergency expenses, or purchasing a vehicle, China Bank loans stand as a reliable and accessible financial solution for Filipinos, backed by over a century of banking expertise and a commitment to service excellence.

Key Features

  1. Flexible Loan Purpose. China Bank understands the diverse financial needs of its customers. Whether it's buying a home, funding home renovation, construction, or reimbursing a newly acquired property, borrowers have the flexibility to choose the purpose of their loan. This adaptability ensures that the bank caters to a wide range of financial goals, making its loans suitable for various life situations.

  2. Low-Interest Rates. China Bank offers competitive interest rates on its loans, providing borrowers with the advantage of affordable monthly payments. Borrowers have the option to choose fixed interest rates for one, three, or five years, safeguarding them from potential rate increases in the future. This feature enables borrowers to plan their finances effectively and manage their loan repayments with ease.

  3. Accredited Developers for Real Estate Transactions. For those looking to purchase properties from accredited developers, China Bank streamlines the process by accepting a copy of the Contract to Sell (CTS) as part of the collateral documents. This feature enhances the efficiency of real estate transactions and provides a smoother experience for borrowers dealing with reputable developers.

  4. Chinabank SalaryPlus and AutoPlus Programs. China Bank extends its lending services beyond traditional loans with specialized programs like Chinabank SalaryPlus and AutoPlus. These programs cater to employees of accredited companies, offering salary loans and vehicle financing with benefits such as no-cost salary loans, convenient application processes through company HR, and preferential rates.

  5. Long Loan Terms. China Bank provides extended loan terms, especially for real estate acquisitions, with terms reaching up to 20 years. This extended repayment period enhances affordability and allows borrowers to spread their payments over a comfortable timeline, making significant financial commitments more manageable.

Pros and Cons


Easy Payment Options. Recognizing the importance of convenience, China Bank facilitates easy payment options for its borrowers. Auto debit arrangements on Chinabank accounts allow seamless and hassle-free repayments. Whether it's for home loans or other financing needs, this feature simplifies the repayment process, ensuring that borrowers can meet their financial obligations effortlessly.

Easy Payment Options. China Bank facilitates easy payment options for its borrowers, such as auto debit arrangements, streamlining the repayment process, and ensuring timely payments without hassle.

Specialized Programs. The bank offers specialized programs like Chinabank SalaryPlus and AutoPlus, catering to employees of accredited companies with benefits like no-cost salary loans and preferential rates for vehicle financing.


Documentation Requirements. The documentation process for loan applications may be extensive, requiring borrowers to provide various documents to fulfill eligibility criteria and collateral requirements. This could potentially be time-consuming and cumbersome for some borrowers.

Interest Rate Changes. While borrowers have the option to choose fixed interest rates for a specified period, the possibility of interest rate changes after the fixed period expires may pose a risk, potentially leading to increased monthly payments for variable rate loans.

Property Valuation. For real estate loans, the loan amount is typically based on the appraised value of the property. In some cases, discrepancies between the appraised value and the desired loan amount may arise, affecting the borrower's ability to secure the desired financing.


With over a century of banking experience and a strong reputation in the Philippine financial industry, China Bank stands as a reliable and trusted institution for individuals and businesses seeking financial solutions. Regulated by the Bangko Sentral ng Pilipinas and proud member of BancNet, China Banking Corporation (Chinabank) has established itself as a leading private universal bank in the country. The bank's commitment to service excellence is evident through its comprehensive range of banking products and services, including loans tailored to meet the diverse needs of its customers. Backed by subsidiaries like China Bank Savings, Chinabank Capital, and Chinabank Securities, as well as affiliates like Manulife China Bank Life Assurance, China Bank demonstrates a dedication to providing reliable and innovative financial solutions to its clientele, ensuring their financial well-being and success.

How to Apply for a China Bank Loan?

Apply for a loan

  1. Determine Loan Purpose. Identify the purpose for which you require financing, whether it's for acquiring real estate, funding home renovation, or addressing other financial needs.

  2. Check Eligibility. Review the eligibility criteria for the specific loan product you are interested in. This may include factors such as age, minimum income requirements, and employment tenure.

  3. Gather Required Documents. Collect the necessary documents required for the loan application process. These typically include valid identification, proof of income such as a certificate of employment, salary slips, income tax returns, and other relevant financial documents.

  4. Visit a China Bank Branch. Visit a China Bank branch nearest to you to initiate the loan application process. You can also check out their online resources or contact their customer service for guidance on the application procedure.

  5. Meet with a Loan Officer. Upon visiting the branch, you will be assisted by a loan officer who will guide you through the application process. They will assess your eligibility, discuss loan options, and provide information on interest rates, terms, and repayment options.

  6. Submit Application. Complete the loan application form provided by the loan officer and submit it along with the required documents for evaluation.

  7. Wait for Approval. After submitting your application, China Bank will conduct a thorough review of your application and documents to determine your eligibility and creditworthiness.

  8. Receive Loan Decision. Once your application is processed, China Bank will notify you of the loan decision. If approved, they will provide details regarding the approved loan amount, interest rate, and repayment terms.

  9. Complete Loan Requirements. Fulfill any additional requirements or conditions stipulated by China Bank to finalize the loan agreement.

  10. Disbursement of Funds. Upon completion of all requirements, China Bank will disburse the loan proceeds to your designated account or as per the agreed-upon terms.

Conditions and Requirements


  1. Property Valuation. For real estate loans, the loan amount is typically based on the appraised value of the property. The bank may conduct its valuation or require borrowers to provide documentation from accredited appraisers.

  2. Loan Term and Interest Rate. The bank offers different loan terms and interest rates depending on the loan product and the borrower's preference. Fixed interest rates may be available for one, three, or five years to protect against future rate increases.

  3. Repayment Options. Borrowers have the option to choose from various repayment options, including auto debit arrangements for convenient and timely payments.

  4. Loan Purpose. The loan purpose should align with the bank's guidelines, which may include acquiring real estate, funding home renovation, or addressing other financial needs specified by the bank.

  5. Collateral and Guarantees. Depending on the loan amount and type, borrowers may need to provide collateral or guarantees to secure the loan. This could include property titles, vehicles, or other assets.


  1. Age Eligibility. Borrowers must typically be within a certain age range, usually between 21 to 65 years old, although this may vary depending on the loan product.

  2. Minimum Income. Borrowers should have a minimum gross monthly income, which varies depending on the loan product and may range from ₱15,000 and above.

  3. Employment Tenure. Borrowers should have a minimum work tenure, often requiring at least two years of continuous employment for regular employees or self-employed individuals.

  4. Good Credit Standing. Borrowers should not have any pending cases or be subject to internal investigations or complaints and should have no negative credit findings.

  5. Documentation. Borrowers need to provide various documents, including valid identification, proof of income such as a certificate of employment, salary slips, income tax returns, and other relevant financial documents.

Best Places to Get a Loan Today


Apply for a loan

Digido is an online loan company in the Philippines, offering non-collateral cash loan services. They provide a fully automated online portal for a seamless loan application process. Key features include:

  • Automated application process.
  • Loans for various purposes, including emergency and OFW loans.
  • No collateral required.
  • Online loan calculator.
  • Transparent interest rates, with a commitment to fair lending practices.
  • Loan accessibility for unbanked individuals.
  • Secured operations, fully licensed and registered under the SEC.



Apply for a loan

MoneyCat is an online payday loan provider in the Philippines, offering efficient financial solutions with an easy-to-navigate online registration form. Their features include:

  • Swift approval process, usually within 24 hours.
  • Flexible loan amounts ranging from PHP 500 to PHP 20,000.
  • Convenient application methods via website or mobile app.
  • First loan free of charge for new users.
  • Licensed by the SEC, ensuring reliability and legitimacy.



Apply for a loan

Finbro is an online lending platform providing quick loans with durations of up to 12 months and amounts ranging from ₱1,000 to ₱50,000. Their service includes:

  • Online application process that can be completed in 15 minutes.
  • Transparent conditions with no extra costs.
  • 24/7 service availability.
  • Data protection for users.
  • Higher interest rates for repeat loans.
  • No mobile app for accessibility.



Apply for a loan

Kviku is an online lending institution known for providing short-term loans with a fully automated online service. Their main features are:

    • Simple and user-friendly loan procedures.
    • 24-hour approval process.
    • No hidden fees or charges.
    • 100% online lending experience.
    • Competitive interest rates at 0.16% daily.
    • Flexible repayment terms up to 180 days.
    • Registered and authorized by the SEC, ensuring reliability.


Ways to Receive the Money

  1. Direct Deposit to Bank Account. Borrowers can choose to have the loan amount directly deposited into their China Bank savings or checking account. This method provides quick access to funds and eliminates the need for physical checks or cash transactions.

  2. Electronic Funds Transfer (EFT). Borrowers can opt for electronic funds transfer to receive the loan proceeds directly into their accounts with other banks. This method offers flexibility for borrowers who may have accounts with different financial institutions.

  3. Cash Pickup. In some cases, borrowers may request to receive the loan amount in cash. China Bank can arrange for the borrower to pick up the cash from a designated branch upon presentation of proper identification and authorization.

  4. Payment to Third Parties. Depending on the loan purpose, China Bank may directly pay third parties such as developers, contractors, or suppliers on behalf of the borrower. This option streamlines the process for borrowers who require funds for specific purposes like home construction or renovation.


  1. Home Loan (Minimum of 500,000 up to 60% of the collateral value). China Bank's home loans cater to individuals looking to purchase residential properties, including vacant lots, condominium units, townhouses, and houses and lots. Loan amounts vary depending on the property value and the borrower's eligibility.

  2. Personal Loan (vary based on several factors). China Bank provides personal loans to individuals for various purposes, such as financing home renovations, funding travel expenses, covering medical bills, or consolidating debts. Loan amounts are determined based on the borrower's financial profile and repayment capacity.

  3. Auto Loan (up to 80% of the vehicle's selling price for brand new vehicles, or 70% of the appraised value for pre-owned vehicles). China Bank's auto loans assist individuals in purchasing brand new or pre-owned vehicles, including passenger cars, SUVs, AUVs, light commercial vehicles, and trucks. Loan amounts are based on the vehicle's selling price or appraised value.

  4. Business Loan. China Bank offers business loans to enterprises seeking financing for expansion, working capital, equipment acquisition, or other business purposes. Loan amounts are customized to suit the specific requirements of the business.

  5. Salary Loan (typically a percentage of the borrower's gross monthly salary). Through programs like Chinabank SalaryPlus, China Bank provides salary loans to employees of accredited companies. Loan amounts are based on the borrower's salary and repayment capacity, offering convenient access to short-term financing.

Reasons for Getting Rejected for a China Bank Loan

  1. Insufficient Income. If the borrower's income does not meet the minimum requirements set by China Bank for the desired loan amount, the application may be rejected. Lenders assess an applicant's income to ensure they have the financial capacity to repay the loan.

  2. Poor Credit History. A history of missed payments, defaults, or other negative credit events can significantly impact an applicant's creditworthiness. China Bank may reject loan applications from individuals with poor credit histories, as they pose a higher risk of default.

  3. High Debt-to-Income Ratio. Lenders consider an applicant's debt-to-income ratio, which is the ratio of their total monthly debt payments to their gross monthly income. If this ratio is too high, indicating that the applicant may struggle to afford additional debt repayments, China Bank may reject the loan application.

  4. Incomplete or Inaccurate Documentation. Providing incomplete or inaccurate documentation during the loan application process can lead to rejection. Applicants need to ensure they submit all required documents accurately and in full to avoid delays or rejection.

  5. Unstable Employment History. Lenders typically prefer borrowers with stable employment histories, as it demonstrates their ability to generate consistent income. Applicants with frequent job changes or gaps in employment may be viewed as higher-risk borrowers and may have their loan applications rejected.

  6. Insufficient Collateral. For secured loans, such as home loans or auto loans, the collateral provided by the borrower plays a crucial role in the loan approval process. If the collateral's value is insufficient to cover the loan amount or if it is deemed unacceptable by China Bank, the loan application may be rejected.

  7. Excessive Loan Applications. Submitting multiple loan applications within a short period can raise red flags with lenders and may indicate financial instability or desperation for credit. China Bank may reject loan applications from individuals with a history of excessive loan inquiries.

How to Repay a China Bank Loan?

  1. Review Loan Agreement. You should carefully review the terms and conditions outlined in the loan agreement, including the repayment schedule, interest rate, and any applicable fees or charges.

  2. Set Up Payment Method. China Bank offers various payment methods to accommodate borrowers' preferences. You can choose from options such as auto debit arrangements, online payments, over-the-counter payments at China Bank branches, or electronic funds transfers.

  3. Auto Debit Arrangement. One of the most convenient ways to repay a China Bank loan is through an auto-debit arrangement. You can authorize China Bank to automatically deduct the monthly loan payments from your designated savings or checking account on the due date. This ensures timely payments without the need for manual intervention.

  4. Online Payments. You can make loan payments conveniently through China Bank's online banking platform. By logging into their online banking account, you can initiate fund transfers from your China Bank account or other banks to your loan account.

  5. Monitor Repayment Status. You should monitor loan repayment status regularly to ensure that payments are processed accurately and on time. You can review the loan statements, payment history, and remaining balance through China Bank's online banking portal or by contacting customer service.

  6. Contact Customer Service. If you encounter any issues or have questions regarding their loan repayment, they can contact China Bank's customer service hotline or visit a branch for assistance. Help center service representatives can provide guidance and answers to your queries so you can get fast answers.


Union Bank offers a hassle-free borrowing experience with an impressive loan amount of up to ₱2 million, accessible without the need for collateral or a guarantor. The swift approval process, taking as little as 5 minutes, ensures quick access to funds. With a fixed interest rate of 26.90% per annum, customers can borrow amounts ranging from ₱20,000 to ₱2,000,000, with flexible repayment periods spanning 1 to 5 years. The monthly repayment for a ₱200,000 loan for 1 year stands at ₱21,150, making it a competitive option for those seeking efficient and convenient personal financing solutions.

Metrobank stands out as a versatile financial solution, offering multi-purpose loans of up to ₱2 million. With a competitive fixed interest rate ranging from 15% to 21% per annum, borrowers can enjoy flexibility in repayment durations, spanning 1 to 3 years. The loan processing time, completed in as fast as 7 business days, adds to the appeal of Metrobank's offering. For a ₱200,000 loan over 1 year, the monthly repayment is ₱20,167, making it an attractive option for those in need of quick and substantial financial assistance.

BPI provides customers with access to approved loan amounts of up to ₱1,000,000. Featuring a fixed interest rate of 14.40% per annum, the loan offers competitive monthly repayments, with a ₱200,000 loan for 1 year requiring ₱19,067 per month. The financing amount ranges from ₱20,000 to ₱1,000,000, with flexible loan tenures of 1 to 3 years. BPI ensures a reasonable processing time, completing loan approvals within 8-13 banking days, making it a reliable option for those seeking substantial financial support with favorable terms.

CIMB Bank stands out for its swift 10-minute approval process, providing borrowers with efficient access to funds. With an attractive fixed interest rate ranging from 13.47% to 23.36% per annum, customers can borrow amounts from ₱30,000 to ₱1,000,000, with flexible repayment terms spanning 1 to 5 years. For a ₱200,000 loan over 1 year, the monthly repayment is ₱18,912. CIMB Bank's emphasis on speedy loan approval makes it a compelling choice for individuals seeking immediate financial solutions with competitive interest rates.

Editorial Opinion

China Bank's loan offerings provide a diverse array of financial solutions catering to the varied needs of individuals and businesses in the Philippines. With a robust range of loan products including home loans, personal loans, auto loans, and business loans, China Bank aims to address the diverse financial requirements of its clientele. While offering competitive interest rates, flexible repayment options, and convenient application processes, China Bank demonstrates a commitment to providing accessible financing solutions to its customers. However, borrowers should exercise diligence in understanding the terms and conditions of the loans, ensuring they align with their financial capabilities and objectives in reality.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender in the Philippines

  1. Ensure that the lender is registered with the Securities and Exchange Commission (SEC) of the Philippines.

  2. Investigate if the lender is a member of recognized industry associations in the Philippines, such as the Chamber of Thrift Banks or the Philippines Finance Association.

  3. Carefully examine all terms and conditions of your loan contract. This includes understanding the repayment schedule, fees, and any penalties for late or missed payments.

  4. Payday loans can have high-interest rates. Make sure the contract clearly outlines the interest rate and total cost of the loan, including any processing fees or additional charges.

  5. Familiarize yourself with your rights regarding cancellation. In the Philippines, consumers may have the right to rescind the loan within a specific period after signing the agreement.

  6. Research the lender's reputation through customer reviews, complaints, and feedback available online.


In Finanso, we've carried out a comprehensive analysis of over 50 lenders in the Philippines, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.


Who owns China Bank?

China Banking Corporation, commonly known as China Bank, is publicly listed on the Philippine Stock Exchange (PSE) under the ticker symbol CHIB. As a publicly traded company, China Bank's ownership is distributed among its shareholders, which include individual investors, institutional investors, and other entities. While the majority ownership may fluctuate due to stock transactions, China Bank operates as a publicly held entity with transparent corporate governance practices.

What credit score do you need for China Bank?

China Bank does not explicitly disclose a specific credit score requirement for loan approvals, as creditworthiness is evaluated based on various factors beyond just a numerical credit score. When assessing loan applications, China Bank considers an applicant's income, employment history, debt-to-income ratio, credit history, and other relevant financial factors. While a good credit score can positively impact loan eligibility and terms, China Bank evaluates each application holistically to determine creditworthiness and risk.

What bank does China Bank use?

China Bank operates as an independent banking institution and does not rely on another bank for its core banking operations. Instead, it has its infrastructure, systems, and processes to manage its banking services. While China Bank may collaborate with other banks for specific services such as interbank transfers or correspondent banking relationships, it functions as a standalone entity with its own banking operations and facilities.

Does China Bank approve everyone?

China Bank does not approve every loan application automatically. Like any reputable financial institution, China Bank follows a rigorous evaluation process to assess the creditworthiness of loan applicants. Factors such as income, employment history, credit score, debt-to-income ratio, and other financial considerations are taken into account during the loan approval process. While China Bank aims to provide accessible financial solutions to a wide range of customers, loan approvals are ultimately based on the borrower's ability to repay the loan and meet the bank's eligibility criteria.

Is China Bank a legitimate company?

Yes, China Banking Corporation (China Bank) is a legitimate and well-established company in the Philippines. As one of the country's leading private universal banks, China Bank has a long history dating back over a century and is regulated by the Bangko Sentral ng Pilipinas (BSP), the central bank of the Philippines. China Bank operates under strict regulatory oversight and adheres to industry standards and best practices, ensuring transparency, integrity, and accountability in its operations. As a publicly listed company on the Philippine Stock Exchange (PSE), China Bank is subject to regulatory scrutiny and disclosure requirements, further affirming its legitimacy and credibility as a financial institution.