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20 Effective Interest Rate (Annual): 12-month term: 25. 60 18-month term: 25. 74 24-month term: 25. 59 30-month term: 25. 33 36-month term: 25. 03 Processing Fee: PHP 1,500. Tenure: 6, 12, 18, 24, 30, or 36 months. Mode of Payment: Automatic debit from borrowers BPI deposit account. Terms and Conditions: Loan Amount: Minimum of PHP 20,000.