All Regular Members of the cooperative are entitled to apply for Regular Loans. New members may also avail of these loans; however, the amount they can borrow will depend on the total value of their Paid-Up Capital, ensuring that loan disbursement remains aligned with their financial commitment to the cooperative. For members whose Capital Build-Up (CBU) is below ₱20,000, an additional charge of 3% per month will be applied to the principal amount. This additional charge will be reflected in the member’s monthly amortization schedule. Loan amounts below ₱299,999.00 will incur a 2.5% interest rate on a diminishing balance basis, which means the interest is calculated based on the remaining loan balance each month—resulting in lower interest charges over time. For larger loan amounts of ₱300,000.00 and above, a straight 1% monthly interest rate applies, offering a predictable and fixed repayment structure. Members are reminded that any overdue loan accounts will be subject to a 1% penalty per month on the unpaid amount, emphasizing the importance of timely payments to maintain good standing within the cooperative.