Talcreco Talibon Credit Cooperative
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TALCRECO

Talibon Credit Cooperative

Loan Calculator

Regular Loan Educational Loan Express Loan Financing Loan Micro-Regular Loan Barangay Official Loan Healthcare Loan Salary Loan

Welcome to TALCRECO Loan Services

Your Comprehensive Loan Planning Guide

Welcome to TALCRECO's advanced loan calculator system! This powerful tool is designed to help you understand the complete structure and calculations of our diverse loan portfolio. Whether you're a first-time borrower or an experienced member, this calculator will provide you with detailed insights into how our loan products work.

Our calculator covers 8 different loan types, each with unique features, interest rates, and terms. From regular loans for general purposes to specialized healthcare and educational financing, we've got you covered with transparent calculations and clear breakdowns.

Simply select your desired loan type from the navigation above to access the specific calculator for that product. Each calculator will show you estimated monthly payments, total interest, CBU requirements, and a complete amortization schedule.

Available Loan Calculators

Why Choose TALCRECO?

Competitive Rates
Low interest rates with transparent pricing
Flexible Terms
Payment terms that fit your budget
Quick Processing
Fast approval and release of funds
Member-Focused
Serving our cooperative community

Need More Information or Ready to Apply?

Our loan calculator gives you a great starting point, but we're here to help you every step of the way. Whether you need clarification on loan terms, want to discuss your specific situation, or are ready to begin the application process, our experienced loan officers are ready to assist you.

Complete Loan Information:
talcreco.com/loans
Call Us Direct - Loan Department:
+63 963 692 8504
Important Disclaimer: These calculators provide estimates only and are designed to help you understand how our loan calculations work. The results shown are not final and may vary based on individual circumstances, credit assessment, and current policies. For accurate loan terms, final calculations, and official loan processing, please visit our loan office or contact our loan department directly.

CBU (Capital Build-Up) Requirements

₱10,000 - ₱45,000
CBU Value: ₱3,000 - ₱19,000 (Estimated Range)
Standard CBU amount for entry-level loans. Suitable for first-time borrowers or small financial needs.
₱50,000 - ₱100,000
CBU Value: ₱20,000 (Fixed)
This range offers slightly higher loans with a fixed CBU requirement. A great step up for members building stronger credit history.
₱101,000 - ₱300,000
CBU Value: 20% of the Loan Amount
CBU is calculated as a percentage of your loan amount. This tier offers flexible CBU based on your loan size.
₱301,000 - ₱500,000
CBU Value: ₱70,000 (Fixed)
Mid-range loans with fixed CBU requirement. Suitable for larger financial needs.
₱501,000 - ₱900,000
CBU Value: ₱90,000 (Fixed)
Higher loan amounts with 8 years maximum term. Perfect for major investments or significant expenses.
₱901,000 - ₱3,500,000
CBU Value: 10% of the Loan Amount
Premium loan tier with 10 years maximum term. Ideal for substantial business investments or major life purchases.

What is CBU?

In a cooperative, CBU (Capital Build-Up) is the regular contribution members make to increase the cooperative’s share capital. It helps strengthen the cooperative’s financial stability and supports its growth.

At the same time, CBU builds each member’s ownership stake, reflecting their commitment and investment in the cooperative’s success.

Quick Tips

  • Choose a loan amount that fits your budget
  • Consider the CBU requirement when planning
  • Longer terms mean lower monthly payments but higher total interest
  • Always budget for unexpected expenses

Need Personal Assistance?

Our loan officers are available to help you choose the right loan product and answer any questions about your specific situation.

Office Hours: Tuesday - Saturday, 8:00 AM - 5:00 PM
Visit our main office or call for an appointment