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LWUA Lending Program
Loan
Window
Loan Program
Coverage
Regular Loan
Loan Terms
1
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
2
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

3
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.
4

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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