DATE

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FROM
SUBJECT

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NOVEMBER 9, 2015
MR. FERNANDO S. ANDES
SOUTH LUZON REGIONAL MANAGER
MR. EDISON G. RABANO
DISTRICT MANAGER-BATS.-MINDORO
BATANGAS BRANCH
APPLICATION OF JOSEPHINE W. CARNATE

PERSONAL INFORMATION
Applicant is Mrs. Josephine Welgas Carnate, 36 years old, separated. Together with her children, they are currently residing at
their own house made of semi-concrete materials at Brgy. Ticalan, San Juan, Batangas where they are living in an average
condition of lifestyle.
Her co-maker for this loan is her mother, Mrs. Celsa Sinuhin Welgas, 56 years old, married to Mr. Danilo Lucrio Welgas, 60
years old native of Lagalag, Tiaong Quezon. They are currently residing at Brgy. Ticalan, San Juan, Batangas.
CAPACITY SOURCE OF INCOME
Mrs. Carnate owns and manages her Coprahan Business for 4 years located at Brgy. Ticalan, San Juan, Batangas.
COCO SHEL & NUT DEALER
Mrs.Carnate BUYS the Copra for:

She SELLS it for:

P24.00 per kg x 2500kg a week

= P60,000.00 a week
X 4 weeks a month
P300,000.00 a month

P30.00 per kg x 2500 kg a week

= P75,000.00 a week
x 4 weeks a month
P 240,000.00 a month

*Sales P300,000.00- Capital P240,000.00= P60,000.00 MONTHLY INCOME FOR COPRA

Mrs.Carnate also BUYS Bao for:

She SELLS it for:

P4.00 per kg x 6000kg

= P 24,000.00

P6.00 per kg x 6000kgs

= P 36,000

*Sales P36,000.00 Capital P 24,000.00 = P12,000.00 MONTHLTY INCOME FOR BAO

Monthly Income for Copra
Add: Monthly Income for Bao
TOTAL MONTHLY INCOME
Less: Expenses
Driver
P 7,000.00
Diesel
10,000.00
TOTAL NET MONTHLY INCOME

P 60,000.00
P 12,000.00
P 72,000.00
P 17,000.00
P 55,000.00

Her mother also has COPRAHAN Business for 30 years located at Brgy. Ticalan, San Juan, Batangas.
COCO SHEL & NUT DEALER
Mrs.Carnate BUYS the Copra for:

She can DISPOSE:

P4.50 per kg x 8000kg a week

= P36,000.00 a week
X 4 weeks a month
P144,000.00 a month

2000 kg a week for P30.00/kg

= P60,000.00 a week
x 4 weeks a month
P 300,000.00 a month

*Sales P300,000.00- Capital P140,000.00= P156,000.00 MONTHLY INCOME

Monthly Income for Copra
Less: Expenses
Manpower
Diesel
Driver
TOTAL NET MONTHLY INCOME

P 156,000.00
P 15,000.00
14,000.00
7,000.00

36,000.00
P 120,000.00

CHARACTER/CREDIT REFERENCE
As per our actual investigation and verification to the spouses family and neighbors, they are very well known and respectable
to their place.
Mrs. Carnate is a repeat customer of Sta. Cruz Branch with good paying habit.
COLLATERAL PURPOSE
Subject couple wants to avail our Cash Loan Automotive to be used as additional capital.
MAKE
MODEL
MOTOR NO
CHASSIS NO.
PLATE NO.
COLOR
ODOMETER

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ISUZU STAKE REBUILT

2012
4BC2155724
SUR201200740C
UKI-849
WHITE
N/A

APPRAISAL COLLATERAL
SELLING PRICE/MARKET VALUE
LOANABLE AMOUNT(60%)
MAXIMUM LOAN VALUE

Php

Php

500,000.00
300,000.00
300,000.00

INSURANCE
Subject applicant issued PDCs and has agreed that the collateral will be covered with comprehensive insurance.
Your approval will be highly appreciated.
Thank you and God bless..
Very truly yours,
NICASIO B. ATIENZA
Branch Manager

Cc : fsa file