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ACADEME Lending Program

LANDBANK (ACcess to Academic Development to Empower the Masses towards Endless Opportunities) ACADEME Lending Program

ACADEME Lending Program


Education is a right of every Filipino citizen. Education is one of the keys to unlock the full potential of a person. Unfortunately, paying one’s way to complete employable and relevant education has never been easy for many due to increasing poverty level and high cost of learning.

The LANDBANK ACADEME (ACcess to Academic Development to Empower the Masses towards Endless Opportunities) Lending Program is in support to the government’s goal of nation building and the commitment of the state to provide quality education to every Filipino Citizen.


The LANDBANK ACADEME Lending Program shall provide credit fund to Private/non-DepEd high schools, Private Technical-Vocational and Education Training (TVET) Institutions and Private Higher Education Institutions (HEls) such as colleges and universities in providing continuing education to their students by allowing the students under study now and pay later scheme.


  • Private/Non-DepEd Junior/Senior High Schools with permit to operate by DepEd
  • Private TVET Institutions in partnership with and being regulated by the Technical Education and Skills Development Authority (TESDA)
  • Private HEIs such as Colleges and Universities with undergraduate programs authorized by CHED and that the HEIs must be accredited by any of the following:
    • Philippine Accrediting Association of Schools, Colleges and Universities;
    • Philippine Association of Colleges and Universities' Commission on Accreditation;
    • Association of Christian Schools, Colleges and Universities Accrediting Association Inc.; or
    • Federation of Accrediting Agencies of the Philippines


Refinancing/rediscounting of Promissory Notes (PNs) issued by the parents or benefactors of students to enable said students to enroll, continue and complete their studies.


70% of the PNs issued by the parents/benefactors of the students on a per semester basis and subject further to a maximum amount based on the school’s net borrowing capacity as per LANDBANK computation.


3% per annum fixed up to the maturity date



a. Masterlist of sub-PNs to be assigned

b. DepEd or CHED's Permit to Operate as an education institution

c. Securities and Exchange Commission-certified Registration Papers

d. List of major owners and officers and their official designation in the Institution with their personal data and 2x2 ID pictures

e. Board Resolution authorizing the school’s representative to obtain, negotiate, mortgage, sign and enter into a loan agreement with LANDBANK

f. Audited BIR-filed Financial Statements for the past 3 years plus the interim Financial Statements

Note: Applicable only if the above-listed documents are not on LANDBANK’s file.


a. Letter-request to avail from the approved LANDBANK loan signed by the school's authorized signatories, indicating among others the following:

1) Amount of loan to be availed based on the sub-PNs to be refinanced

2) 3-year term of the loan

3) Loan purpose

b. PDCs to cover principal and interest amortizations

c. The school shall maintain custody of all sub-borrower PNs including underlying collateral, if any. The school shall submit a notarized undertaking to keep custody of the sub-borrower’s PN and its underlying collaterals which had been assigned in favor of LANDBANK, and that the same are open for inspection and audit by LANDBANK representative, anytime at the Bank’s discretion.

d. Authority to debit account for loan repayment

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