Examples for Valid Proof of Income

To complete an application and profile, Borrowers and/or their Co-borrower will need to submit documents as Proof of Income.

Accepted Proof of Income (Only one of these is needed):

If Employed:

• Income Tax Return BIR 2316
• Certificate of Employment with monthly income (issued within the last 3-6 months)
• Payslips (dated within the last 3 months)
• Payroll bank account statement, web screenshots of online banking payroll credits, or mobile banking app

If Self-Employed or Has Own Business:

• DTI Permit
• City Business Permit
• Barangay Business Permit
• Bank Statements (dated within the last 3 months)
• Income Tax Return 1701
• Audited Financial Statements (Balance Sheet, Income Statement, Cash Flow Statement, Statement of Changes in Equity, and Notes to Financial Statements)

If OFW:

• Employment Contract
• Remittance Receipts (dated within the last 3 months)

Tips to Ensure Proof of Income is Accepted for Faster Processing:

• Documents should not be cropped.
• The information on the submitted proof of income should match the details of the person who will handle the repayments.
• The name of the person handling repayments should be clearly visible on the document. Avoid answering "none" or "NA" for income earner details; provide all requested data.
• If the source of income is remittance, the income information should be that of the remitter, even if the recipient is listed as handling repayments.
  • Follow these address format guidelines:
    • Address Line 1: Enter the street address.
    • Address Line 2: Apartment, building, unit or floor, barangay, city, and province.
      • Sample arrangement: 8888, Eski Street, Jade Apartment, Brgy. Olympia, Makati City, Metro Manila.
• When uploading files, ensure a stable internet connection and that files do not exceed 10MB. Try logging in to a different device if issues persist.
• Avoid using abbreviations, especially for business names and landmarks; write the complete name.

For guides to other valid documents, please see:

• Examples for Valid IDs
• Examples for Proof of Residence
• Guide for Student Assessment Form

For questions about eligibility or do not have any of the valid documents listed, please feel free to reach out to our team by filling out this form.