P.D. 198
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LWUA Lending Program
Loan Program
Regular Loan
Loan Terms
Level III
Start-up of existing water supply system; repair/rehabilitation of existing system; immediate impact development for new/existing system; comprehensive development
50% to 100% of Project Cost

LWUA Board Resolution No. 38 Series of 2009 (click to view) has lowered the interest rates under Loan Window 1 while extending the amortization period to 40 years. The new terms are as follows:

Repayment period = Interest Rates

10 years max = 9.2 % p.a.

20 years max = 9.5 % p.a.

30 years max = 9.8 % p.a.

40 years max = 10.2 % p.a.

NOTE: Applicable to loans approved starting March 10, 2009

Interest Rates prior to the above amendments:
First P2.0M = 8.5% p.a.
Next P5.0M = 10.5% p.a.
Next P13.0M = 12.5% p.a.
Next P30.0M = 14% p.a.
Over P50.0M = 15% p.a

Level II Repair/rehabilitation/
expansion of existing water supply system; development of new system
40% to 100% of Project Cost
New Service Connection For Level III's generation of additional service connections 100% of Project Cost Interest Rates shall be based on prevailing applicable rates;
Repayment period of five (5) years to start one (1) year after initial disbursement.
Special Loan
Watershed management
Maximum of 100% of Project Cost
Interest Rates shall be based on prevailing applicable rates;
Repayment period of up to a maximum of fifteen (15) years
Emergency purposes, e.g., to make operational inactive water supply and repair/rehabilitation of system damaged by typhoon/calamities
50% to 100% of Project Cost

Maximum loan amount= P10-M

7.50 % p.a. for a 10-year loan

9.00% p.a. for a 15 to 20-year loan

Water Supply Facilities - Commercial Loan Expansion of water supply system; source development; service connections; construction of administration building; purchase of vehicles/equipment/tools; other facilities that will enhance effiicient water service Maximum of 100% of Project Cost Interest Rates:
Funding cost (interest rates of borrowed local capital funds and other bank charges) PLUS minimum of 2% spread but not to exceed the current or prevailing commercial/market rates.
Repayment Period:
Equivalent to the life of the asset acquired or the repayment period including the grace period of the borrowed funds, whichever is shorter.

Project Development and Efficiency Improvement Fund (PDEIF)

Click here for other details

Project Development

a. Feasibility Studies
b. Test well drilling related to feasibility study

Eligibility: All WDs

No limit in loan amount

Interest Rate shall not be higher than the interest rates offered in other LWUA loan Windows

Repayment Period:
Up to 5 years inclusive of up to 2 years grace period

Efficiency Improvement

a. NRW reduction
b. Revenue enhancement
c. Cost reduction
d. Capacity building
e. Studies related to above

Eligibility: Semicreditworthy and Precreditworthy WDs

Single borrower limit= P30 Million

Interest Rate: Pending the amendment of the appropriate resolution, the interest rate of 7.5% p.a. for a 10-year loan and 9% for a loan of more than 10 years.

Repayment Period:
Up to 5 years for loans P10 Million and below

Up to 10 years for loans above P10 million

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