Call us for more information:
422-9223 to 9224


Agrarian Reform Loans

A. AGRARIAN REFORM LOANS  – This refers to the amortized cost of production and other types of loans granted to beneficiaries of agrarian reform, namely: tillers, tenant farmers, settlers, agricultural lessees, amortizing owners, owner-cultivators, cooperatives and compact farms, for the following purposes:

  • Acquisition of work animals, farm equipment and machinery, seeds, fertilizers, poultry, livestock, feeds and other similar items;
  • Acquisition of land authorized under the Agrarian Reform code of the Philippines and its amendments;
  • Construction and/or acquisition of facilities for production, processing, storage and marketing;
  • Efficient and effective merchandising of agricultural commodities stored and/or processed by the previously mentioned facilities in domestic and foreign commerce.

 B. VALUE CHAIN FINANCING  – The bank has established and continues to formulate policies advancing financial inclusion geared toward providing fiscal opportunities for smallholder farmers and fisherfolk.

Other Agricultural Loans


A.1 Credit line – These are short term loans to boost inventories and receivables in support of increasing sales, which are repaid from the cash conversion of short-term assets, mostly receivables/inventory.

A.2 Permanent Working Capital – This loan product provides the minimum level of working capital needed to sustain continuous operations for client’s businesses in light of business or financial fluctuations.

◙ Short-term Loan
◙ Medium-term Loan
◙ Long-term Loan

A.3 Fixed Asset Financing Term Loan – This is medium or long-term financing for funding:

 ◙ Equipment and capital asset acquisition secured by the item to be financed;
 ◙ Fixed Asset construction or improvement for business expansion and enhancement secured against bank deposits,real estate or chattel mortgages.

Possible Markets

The Bank provides financing to help farmers, food processors and aquaculture operations adopt new and innovative equipment and facilities in order to improve the manufacturing, marketability and production of agricultural products or through their respective organizations, associations and cooperatives support of their on- and off-farm activities whether these are individual, corporate and/or communal project.

Elligible Borrowers

Prospective clients who may avail of these loan facilities include:

  • Individual farmers
  • Agrarian Reform beneficiaries organizations and members
  • Farmer’s organizations/associations or cooperatives



A. Loan Application

◙ Loan Application Form
◙ Customer Information Form
◙ Signature Card
◙ 2 pcs. Picture 1 x 1
◙ 2 valid Identification Cards
◙ 3 months Proof of Billing (Utility)

*If married, both spouses will sign the application form

B. Other Documents

If Locally Employed

◙ Certificate of Employment with Compensation
◙ Latest Income Tax Return (ITR)
◙ Latest Payslip (2 months)

If Self-employed

◙ Business Registration Papers (DTI/Business Permits)Financial Statements (AFS)
◙ Latest Income Tax Return (ITR)
◙ Bank Statement for the past six (6) months

 If Overseas Filipino Worker (OFW)

◙ Proof of Monthly Remittances (Bank Statement)
◙ Contract/Certificate of Employment
◙ Crew Contract

If Pensioners

◙ Proof of Pension (Bank Statement for the past 6 mos.)
◙ With Co-maker preferably spouse or children (optional)

C. If Collateral: REM – Real Estate Mortgage 

◙ TCT/OCT (Certified True Copy)
◙ Tax Declaration – Land & Building (Certified True Copy)
◙ Real Property Tax Clearance – Land & Building (Latest)
◙ Sketch Plan & Vicinity Map
◙ Fire Insurance/Life Insurance (if applicable)
◙ Special Power of Attorney (if applicable)

   D. If Collateral: CHM (Chattel Mortgage), Machineries & Equipments

◙ Price Quotation
◙ Certificate of Registration (CR)
◙ Official Receipt (OR)
◙ Affidavit of Ownership (if applicable)
◙ Comprehensive insurance
◙ Fire Insurance/Life Insurance (if applicable)
◙ Special Power of Attorney (if applicable)


For more information, please call us:

Dumaguete Branch:
        Mobile: 09176326636
        Telephone: (035) 225-3891 local 123 and 125

Sibulan Branch:
         Mobile: 09173037334
         Telephone: (035)226-6127; 419-8730

Lapu-Lapu Branch:
         Mobile: 09175440562
         Telephone: (032) 495-3402

Valencia, Bukidnon Branch:
         Mobile: 09176326642
         Telephone: (088) 828-2097

Quezon, Bukidnon Branch:
         Mobile: 09176326646


Security Features
Important Reminders
Security Tips
Phishing Advisory
Heartbleed Advisory

Call us for more information:

422-9223 to 9224

Dumaguete City Development Bank is supervised by the Bangko Sentral ng Pilipinas with telephone number (02) 708 7087 and email address:  

Member: PDIC 
Maximum Deposit Insurance for Each Depositor P500,000.


Copyright 2019 Dumaguete City Development Bank. All rights reserved.

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