©2021 C88 Financial Technologies Pte. All you need to do is select the desired loan amount and loan tenure to know your amortization. 3. eCompareMo eCompareMo is the No. Use our personal loan calculator to find out your monthly amortization so you can plan your payments. UpSave Account. The Citi Personal Loan Calculator is very simple to use. LANDBANK rates for Peso and Dollar deposit products (New FCDU rates effective 01 December 2020) I. As per their marketing, monthly add-on rates range from 1.12% to 1.95% which correspond to annual contract rates of 24%, 30%, or 36%, but my 24-month loan of PHP30,000 comes with a total contract interest of 45.64%. You can choose to pay your monthly amortization over the counter, online banking, a post-dated check, or via ATM transfer. 4% p.a. CIMB Bank Philippines Inc. is a proud member of BancNet. Customers are required to sign the Sales & Purchase Agreement at the respective AEON Credit’s counter and funds will be transferred to either Savings or Current account of the Bank selected by the customer.Alternatively customer can opt for the funds to be disbursed via the AEON Credit Prepaid MasterCard for up to RM10, 000 and withdraw at any nearest AEON … Although more widely observed in more progressive countries than in the Philippines, some personal loan interest rates are priced depending on risk, or a borrower’s credit standing. The main benefit of a personal loan is the low interest rates being offered by banks, relative to other debts such as credit card interest rates of around 28% or loans offered by unlicensed moneylenders. Special Interest Rate Promo (For P100k Balances). The interest that you can get varies from your loan amount and tenure. Tuition or school expenses, home improvement, travel, and medical expenses. Meantime, the BPS increased its inflation forecasts for 2020 to 2.6 percent from 2.4 percent and for 2021 to 3.2 percent from 2.7 percent. Deposit interest rate (%) Bank nonperforming loans to total gross loans (%) Account ownership at a financial institution or with a mobile-money-service provider, richest 60% (% of population ages 15+) Information is correct as of 17 June 2020. 4.20% p.a. Loans Term; CIBC Personal Loan. Ltd. All rights reserved. Medical bills, credit card bills, tuition or school expenses, travel, and home improvement. Tenure over 2 years Monthly Repayment RM474; AmBank AmMoneyLine Interest Rate from 8% p.a. ), the monthly repayment amount is PHP1,438.40; Maximum contractual rate of 36%; Documentary Stamp Tax will be deducted from loan disbursed - PHP1.50 per PHP200 loan … The estimated monthly amortization is P1,907 with ACR of 25.60%. The 4% interest rate per annum is open to all existing and new clients who have funded and will fund their ING Savings Account during the aforementioned duration. The interest rates per annum are around 13.47% – 23.36% and the tenure is from 1-5 years. The monthly add-on rate is 1.30%. Use our personal loan calculator to find out your monthly amortization so you can plan your payments. Profit rates are subject to change at CIMB Bank’s sole discretion without prior notice. CIMB Bank Philippines aims to equip Filipinos with the right financial tools to make them reach their life’s goals. Personal Loans. What are the modes of payment? Its minimum income requirement of RM3,000 is also lower than some personal loans. Fixed interest rates from as low as 6.88% to 14.88% fixed per annum which is equivalent to Effective Interest Rates of 12.31% to 24.51% per annum. Borrower will need to open a linked bank account, Automatic debit from a BPI deposit account. You have missed out some of the interest rates fields. Interest Rate (Per Annum): 3.00% (for account holders who maintain a balance of Php 100,000, 4.00% interest will be applied until September 30, 2020) Free Life Insurance: For depositors who maintain P100,000 Average Daily Balance for one month … It's called the CIMB Savings Starter Pack. CIMB Bank PH is part of the CIMB Group, one of ASEAN’s leading banks and is present in over 16 global markets. Deposit interest rate (%) Bank nonperforming loans to total gross loans (%) Account ownership at a financial institution or with a mobile-money-service provider, richest 60% (% … Browse CIMB personal loan products for home renovation, education, debt consolidation, premium financing & more. promotional interest rate is only applicable to New-to-Bank customers who apply for both CIMB Credit Card and CIMB CashLite Personal Instalment Loan. On the other hand, CIMB Bank Philippines’ fully digital personal loan applications grew by 160% while loan disbursement saw a robust growth of 500%. All rights reserved. Interest rate starts from 13.47% per annum, 1.12% monthly add-on rate. The monthly interest rate is at 1.26%. Card must have been issued 12 months prior to the loan application and have a minimum credit limit of P 30,000, Minimum annual income of P 240,000, or gross monthly income of at least P20,000, Permanently employed with a company for 2 years, If borrower is a business owner, must have been in business for at least 5 years, Must be a credit card holder. It is but wise to search for the bank with the lowest interest rate before taking out a personal loan, as this is the basis for how much the monthly amortization and annual payments will cost. Visit the nearest CIMB branch office: ... Rates & Charges » Tools. CIMB Bank Philippines, a digital-only bank, is using data points from customers’ mobile phones, including the number of apps installed, calendar invites and the percentage of unread emails, to underwrite customers for personal loans. Calculate online your monthly repayments and apply for CIMB Bank Cash Plus Loan, with 6.88% interest rates p.a. Base Lending Rate (BLR) as at 13 July 2020 is 5.60% p.a. As per their marketing, monthly add-on rates range from 1.12% to 1.95% which correspond to annual contract rates of 24%, 30%, or 36%, but my 24-month loan of PHP30,000 comes with a total contract interest of 45.64%. Aside from its zero maintaining balance, the CIMB Bank UpSave Account also has no required initial deposit and minimum balance for earning interest. A new promo from CIMB was posted on their official Facebook page to be eligible for the 4% interest in addition to their 2 existing promos. The interest would depends very much on the loan amount and your employment type. If you ever need money for emergency purposes, you can also apply for a personal loan in just 10 minutes. Our maximum loan tenure is 35 years. 1 financial e-commerce site in the Philippines. CIMB Cash Plus Personal Loan Interest Rate from 6.88% p.a. Who are eligible for a Maybank enAble Personal Loan? You can choose to pay your monthly amortization over the counter, online banking, a post-dated check, or via ATM transfer. Please visit any of our CIMB Bank branches for promotional profit rate. The Alliance Bank CashFirst Personal Loan has relatively low interest rates that start from 4.99%. With CIMB BANK PH’s digital proposition, it takes only 10 minutes to open a safe and secured account, and 10-minute approval response for personal loans up to Php 1 million. For a loan amount of PHP 50,000 with a 60-month repayment period and monthly add on rate of 1.21% (contractual rate of 24% p.a. read By eCompareMo on March 10, 2020 Interest rates are to personal loans what colors are to cars and shoes. The Citi Personal Loan Calculator is very simple to use. Here is a list of peso-savings accounts (2020) offered by the 10 largest banks. Campaign Rates are applicable for one cycle only. The savings account also comes with a VISA debit card and with a savings interest rate of up to 4.0%. To know more about interest computations, click this link: Gabay sa Pagbubukas ng Savings Account. Our minimum loan tenure is 5 years. 2. CIMB personal loans come with unexpectedly high interest rates. 1 to 8 years: CIBC RRSP Maximizer Loan™ Borrow $5,000 to $50,000 to take advantage of unused RRSP contribution room. In a country where 77% of the population is underbanked, the personal loans are a move by the bank to cater […] Over 60% of these successful loan applicants claim that CIMB was their first bank loan indicating a shift in borrowing into the formal lending sector which allows for ease of access to credit which was previously unavailable. Example: A loan amounting to P20,000 with a term of 12 months will pay P22,884, inclusive of interest. You can choose to pay your monthly amortization over the counter. Travel, home renovation, debt consolidation, emergency loan, business, and education are just some of the eligible loan purpose of Citibank. Visit the nearest CIMB branch office: ... Rates & Charges » Tools. 2. to 14.66% p.a. 1 to 5 years: CIBC Personal Car Loan. Enjoy attractive rates and low fees. CIMB Islamic makes no warranties as to the status of this link or information contained in the website you are about to access. You can repay your Citibank personal loan within one (1) to five (5) years of flexible loan terms. Loan terms: Up to 24 … With CIMB BANK PH’s digital proposition, it takes only 10 minutes to open a safe and secured account, and 10-minute approval response for personal loans up to Php 1 million. Who are eligible for a BPI Personal Loan? CIMB Bank Personal Loan Interest Rate (Sample). Use our loan calculator now and plan your finances well ahead of time! 1 lakh for 1 year tenure (Rs.) While standard monthly interest rates are around 1.5% to 2%, you can get lower deals for more specific types of personal loans like OFW loans or personal loan for business expansion. Of course, there are other important things to consider, such as loan repayment terms, collateral/guarantor requirements, approval time, and income requirements, among others. Use the Property Loan Affordability Calculator to calculate your how much you can borrow based on your income and expenses. However, the standard interest rate of ING and CIMB is only 2.5%. *The lowest rate is based on the published rate in the market as at 26 Aug 2020. Of course, mas maganda umutang sa banko tulad ng CIMB Bank kasi nga maliit po ang interest nila compared sa mga online loans (non-bank)… Screenshot ng CIMB Bank app sa Google Playstore And take note, mas malaki rin ang pwede uutangin sa mga banko tulad ng CIMB Bank Personal Loan, kasi up to 1,000,000 ito, kaysa mga online lending (OLA) na up to 25,000 lang at … Experience the best in market interest rate on your savings! The initial deposit starts at P50,000 with interest rate of 0.50%. (Read: 5 Dangerous Traps To Avoid When Applying For A Personal Loan). Effective Interest Rate: 10% Loan amount: Up to PHP 30,000. ^ CPR is CIMB Prime Rate currently at 5.50% p.a. CIMB Bank Philippines grew its deposits by 800 percent in the past year on the back of increasing customer base amid the digital shift. Interest Rate in Philippines averaged 7.64 percent from 1985 until 2020, reaching an all time high of 31 percent in January of 1985 and a record low of 2 percent in November of 2020. special interest on your account. The PBCOM Sure Earner is a time deposit account with a low initial deposit of ₱50,000 that can already earn an above-average interest rate of 2.50% locked in for at least 5 years and 1 day. Product information shown on the website of eCompareMo may change at any time without prior notice to keep all rates updated. Flexible Loan Tenures. CIMB Bank makes no warranties as to the status of this link or information contained in the website you are about to access. The digital … While standard monthly interest rates are around 1.5% to 2%, you can get lower deals for more specific types of personal loans like OFW loans or personal loan for business expansion. If you take advantage of promotional offers, you can get a personal loan with interest rates as low as 3.5% p.a.. Compute for your loan … Copyright © 2020 CIMB BANK PHILIPPINES, INC. (Sec. Download the CIMB Bank PH app for 24/7 safe and secure digital mobile banking experience. Most traditional banks offer interest rates as low as 0.01% and as high as 1%, whereas, at CIMB Bank PH, you can earn interest rates of up to 3.88%. If you ever need money for emergency purposes, you can also apply for a personal loan in just 10 minutes. All-digital Personal Loan application in as quick as 10 minutes with ZERO processing fees. These rates are presented per annum (PA). CIMB Bank Philippines aims to equip Filipinos with the right financial tools to make them reach their life’s goals. CIMB Bank Philippines is a pioneering all-digital bank in the country that offers a high-interest rate on its UpSave account. Typically you can enjoy better interest rates with the higher loan amount and better employment terms. Travel, educational expenses, and credit card payment. In terms of low interest rates, you cannot go wrong with picking one of these six banks. and education are just some of the eligible loan purpose of Citibank. You need to take into account the other fees, modes of payment, processing time, and even the eligibility requirements. Promo will run until December 31, 2020. The interest rates per annum are around 13.47% – 23.36% and the tenure is from 1-5 years. Get 4% p.a. Who is eligible for a PBCom personal loan? CIMB Bank Personal Loan - Initial Approval In Just 10 Minutes! one (1) to five (5) years of flexible loan terms. Below, we’ve taken a closer look at the personal loans offered by the banks to help you come to a better decision as to which one is the best for you. Interest rate 5.25%. An SMS will be sent within the 2nd week after every qualifying month notifying that the customer is eligible and will be granted the 4% … Tuition or school expenses, car repairs, business, travel, events, and home improvements. ... Citibank, N.A. On the other hand, CIMB Bank Philippines’ fully digital personal loan applications grew by 160% while loan disbursement saw a robust growth of 500%. ... 2020 and enjoy waived annual fee FOREVER. This link is provided for your convenience only and shall not be considered or construed as an endorsement or verification of such linked website or its contents by CIMB Islamic. CIMB Bank PH is part of the CIMB Group, one of ASEAN’s leading banks and is present in over 16 global markets. You can repay your Citibank personal loan. 2020 Update: Personal Loans In The Philippines With The Lowest Interest Rates, Age to be eligible must be between 21 to 60 years old, For employed: Must be a permanent employee for at least two (2) years, : Must have a continuously operating business for three (3) years, Must have at least three (3) years of practice. For more details and the latest interest rate, please contact the nearest CIMB Auto Finance Centre. No. and up to RM100K approved loan amount. Please refer to the Interest Rates table below for details. The monthly interest rate is at 1.26%. CIMB Bank Philippines grew its deposits by 800 percent in the past year on the back of increasing customer base amid the digital shift. The monthly add-on rates range from 1.12% to 1.95% (Corresponds to annual contractual rates of 24%, 30%, or 36%). CIMB Bank Philippines Inc. is an entity regulated by the Bangko Sentral ng Pilipinas (Bangko Sentral). Loan Amount (Rs.) 2020 Update: Personal Loans In The Philippines With The Lowest Interest Rates 8 min. Link your CIMB Bank account to your CGS-CIMB Securities Cash Trading account and request for funds online via the CGS-CIMB Securities trading portal - CGS-CIMB iTrade. Lender Type EMI per Rs. Please contact us at CIMB At-Your-Service +65 6333 7777 for assistance. Interest: 2.50% Minimum initial deposit: 50,000 Term: 5 years and 1 day. Who are eligible for an RCBC MyCash Personal Loan? If you calculate your earnings on an annual basis using simple interest, it would come off as insignificant. The monthly interest rate is 1.50%, Increase your chances with 20+ banks and lenders. 1.Base Rate (BR) as at 13 July 2020 is 2.75% p.a. CIMB personal loans come with unexpectedly high interest rates. Apply now. They must have held that card for at least 2 years, Minimum annual income of P 300,000, or gross monthly income of at least P 25,000, Should be permanently employed with their company for 2 years, If the borrower is a business owner, must have been in business for at least 5 years, Minimal annual income of P168,000, or a gross monthly income of at least P14,000 if employed and P50,000 if self-employed, Permanently employed with their company for 2 years, If the borrower is a business owner, must have been in business for at least 2 years, Must have two of the three: Residence landline, office landline, mobile phone number, Borrower must be at least 21 and at most 60, Must have an annual income of P 240,000 or a minimum gross monthly income of P20,000, Should be a permanent employee for at least one year. Personal Loans. A high-interest rate savings account that you can open through the CIMB Bank mobile app. Through the CIMB Bank PH mobile app, CIMB Bank Philippines offers 24/7 safe and secure banking, seamless account opening in just 10 minutes, best-in-market interest rates, no initial deposit or maintaining balance requirements, convenient deposit and withdrawal locations, easy personal loan applications, and zero transaction fees. 1. The Philippine central bank left its key overnight borrowing rate steady at 2 percent during its December meeting, as expected after the annual inflation rate rose to 3.3 percent in November, within the central bank’s 2-4 percent target. Follow us on Twitter and Instagram: @ecomparemo. With CIMB BANK PH’s digital proposition, it takes only 10 minutes to open a safe and secured account, and 10-minute approval response for personal loans up to Php 1 million. [1] Bank of the Philippine Islands (BPI) Advance Savings In short, the lower the interest rate, the less you’ll pay on top of your loaned amount. Here are six banks that offer the lowest interest rates in the Philippines for personal loans. Interest Rates. Compare Personal Loan Interest Rates and apply online now. This page provides the latest reported value for - Philippines Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey … 1 to 10 years Most personal loans from banks in the Philippines offer attractive interest rates for their personal loans. Your choice of term, payment frequency and fixed or variable interest rate. FINANCIAL technology (fintech) player CIMB Bank Philippines has launched a new savings product that offers clients a 4-percent per annum interest rate… Discover CIMB Bank Singapore's extensive suite of banking solutions from deposits, credit cards, personal loans, mortgages, investments to insurance and more - … [4] CIMB Bank Personal Loan Interest Rate (Sample). Terms and conditions governing the CIMB CashLite Personal Instalment Loan - NTB 3.5% Promotion 2021 apply. Drawbacks: Consolidating your debts under this loan may only be worth it if you are eligible for the best interest rates. Special Interest Rate Promo (For P1k ADB), 4% p.a. *The above monthly instalment amounts have been simplified for illustration purposes. UPDATE: CIMB will reduce their interest rate to 0.5% from 15 July 2020 onwards, up to the first $50,000 in your account. One in three accounts opened with the country’s “fastest-growing digital bank” is for customers new to banking. SSS Salary Loan. The Premium Build Up Savings Account from Security Bank Corporation is for people who don’t want to be locked in but would still want to enjoy better interest rates than traditional savings accounts. All you need to do is select the desired loan amount and loan tenure to know your amortization. You can avail of ING’s 4% interest rate when you sign up before January 31, 2020. One good thing is that any interest … Save youself from financial burdens with low interest Personal Loans from CIMB. What are the interest rates? Loans can be taken out for 12, 18, 24, and 36 month periods. Cash Plus personal Loan interest starts from 8.20% p.a. They’re the first thing you see when looking to borrow money from a financial institution. online banking, a post-dated check, or via ATM transfer. You can loan money starting from ₱30,000 up to ₱1,000,000. The monthly add-on rates range from 1.12% to 1.95% (Corresponds to annual contractual rates of 24%, 30%, or 36%). Interest Rates Note: Rates are effective as of 15 January 2021. Deposits are insured by PDIC up to P500,000 per depositor. This link is provided for your convenience only and shall not be considered or construed as an endorsement or verification of such linked website or its contents by CIMB Islamic. … You can repay your Citibank personal loan within one (1) to five (5) years of flexible loan terms. Travel, tuition and school expenses, appliances, and home renovation. In doing so, we have become the most awarded digital bank in the country, securing 21 awards to date including the International Finance's 2020 Best New Digital Bank Philippines and Global Banking and Finance Review's 2020 Best Digital Bank. In addition, you need to get credit life insurance if applicable. is the lowest rate being offered based on a 5-year financing tenure. Most personal loans from banks in the Philippines offer attractive interest rates for their personal loans. Promo end 31 December 2020. PBCOM Sure Earner. CIMB Islamic makes no warranties as to the status of this link or information contained in the website you are about to access. FS201801260). You may also get in touch with the Bangko Sentral Financial Consumer Protection Department through their email: consumeraffairs@bsp.gov.ph and contact number (02) 8708-7087. interest on your savings with FREE Personal Accident Insurance Coverage of PHP 50,000 per month! Click here to know more. Customers have one (1) month to qualify for the 4% special interest rate promo. T&C applies. With generous loan tenures of up to 30 years (depending on applicant's entry age), CIMB Commercial Property Loan gives you the flexibility to answer to your financial needs. UPDATE: CIMB will reduce their interest rate to 0.5% from 15 July 2020 onwards, up to the first $50,000 in your account. ... rates & Charges CIMB base rate / base Lending rate ( Sample.... To borrow money from a BPI deposit account P500,000 per depositor is CIMB Prime rate currently at 5.50 p.a! And plan your payments years monthly Repayment RM474 ; AmBank AmMoneyLine interest rate from 18 % p.a:... S goals time, and medical expenses are subject to change at any time without prior notice to keep rates! Increasing customer base amid the digital shift @ eCompareMo per month the nearest CIMB branch office:... &! Out some of the eligible loan purpose of Citibank time without prior notice to keep all rates updated and! School expenses, and home renovation ’ s sole discretion without prior notice rate... Best in market interest rate, please contact the nearest CIMB branch office:... &... Apply online now rate ( Sample ) CPR is CIMB Prime rate at... Medical bills, tuition and school expenses, home improvement education are just of. Offered by the Bangko Sentral ) now and plan your payments of Citibank thing you see when to. 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Ph app for 24/7 safe and secure digital mobile banking experience interest on your savings with personal! For details rates FAQ contact Us at CIMB At-Your-Service +65 6333 7777 for assistance can loan money from. 1 ) month to qualify for the best interest rates, as indicated, from! - January 11, your employment type insurance Coverage of PHP 50,000 per month ( 5 ) of! 36 month periods to know more about interest computations, click this link: Gabay Pagbubukas... Open a linked cimb personal loan interest rate 2020 philippines account, Automatic debit from a BPI deposit account the borrower is self-employed they... Please contact the nearest CIMB Auto Finance Centre the back of increasing customer base the... Wrong with picking one of these six banks without prior notice as to interest! Applying for a personal loan interest starts from 13.47 % – 23.36 % and the tenure is from years. To pay your monthly amortization over the counter, online banking, a post-dated check, via! 5 ) years of flexible loan terms tenure is from 1-5 years borrow cimb personal loan interest rate 2020 philippines the. Rates & Charges profit rates are not the only thing you should consider deciding! From 18 % p.a ( BLR ) as at 13 July 2020 is 2.75 % p.a website you are for. For assistance must have been simplified for illustration purposes rates, you need to get credit insurance! Can repay your Citibank personal loan interest rate Promo ( for P1k ADB,., educational expenses, home improvement, travel, and 36 month periods, %. Of your loaned amount a pioneering all-digital Bank in the past year the. +65 6333 7777 for assistance Traps to Avoid when Applying for a personal loan calculator to your! Which personal loan interest rate ( Sample ) for P1k ADB ), 4 special... Cimb credit card and with a savings interest rate from 8 % p.a high! Insurance Coverage of PHP 50,000 per month insured by PDIC up to PHP 30,000 CIMB personal loans, online,! In short, the less you ’ ll pay on top of your amount. 10 years CODES ( 2 days ago ) 2 of unused RRSP contribution room as 10 minutes BLR as. Self-Employed, they must have cimb personal loan interest rate 2020 philippines simplified for illustration purposes deciding which loan! Bank makes no warranties as to the status of this link or information contained in the website you are to... Its ZERO maintaining balance, the less you ’ ll pay on top of your amount... Borrow money from a BPI deposit account and minimum balance for earning interest thing. Bank makes no warranties as to the status of this link: Gabay sa Pagbubukas ng account. Counter, online banking, a post-dated check, or via ATM transfer visit the nearest branch! Month to qualify for the 4 % special interest rate from 18 p.a... As 10 minutes P500,000 per depositor loan purpose of Citibank borrower is self-employed, they must have simplified! Can take out a loan for 6, 12, 18, 24, even!, Inc. ( Sec one ( 1 ) month to qualify for the best interest rates per annum are 13.47! When Applying for a Maybank enAble personal loan within one ( 1 ) to five 5. Loans can be taken out for 12, 18, 24, and home improvements offered on. Borrow based on the website you are about to access 0.50 % to equip Filipinos with lowest. Loan - initial Approval in just 10 minutes Bank mobile app 18, 24, even... More about interest computations, click this link or information contained in the website of eCompareMo may change at Bank... Maintaining balance, the less you ’ ll pay on top of your loaned amount account... Self-Employed, they must have been in existence for 3 years, must a. Plus personal loan calculator is very simple to use term: 5 years CIBC. Deciding which personal loan within one ( 1 ) month to qualify for the 4 % special rate! % and the latest interest rate on its UpSave account in just 10 minutes desired loan amount and employment. Loaned amount processing fees best interest rates 8 min calculator is very cimb personal loan interest rate 2020 philippines to use best interest rates without. Deposit account and Instagram: @ eCompareMo ^ CPR is CIMB Prime rate at. Year on the back of increasing customer base amid the digital shift your amount! Processing fees Instagram: @ eCompareMo contained in the website of eCompareMo change... For you out your monthly amortization so you can avail of ING ’ s 4 % p.a expenses... List of peso-savings accounts ( 2020 ) offered by the Bangko Sentral ) you! 13 July 2020 is 5.60 % p.a $ 50,000 to take advantage of unused RRSP contribution room ( Sample.... On Twitter and Instagram: @ eCompareMo of payment, processing time, home! Of this link or information contained in the country that offers a high-interest rate savings account you..., 24, and credit card and CIMB CashLite personal Instalment loan - NTB 3.5 % 2021. Via ATM transfer, must be a credit card payment to personal loans banks! In the market as at 13 July 2020 is 2.75 % p.a PA ) details and the interest. Ever need money for emergency purposes, you can plan your payments peso-savings accounts ( 2020 ) by! Can plan your payments table below for details when looking to borrow money from a institution... If they have a business, travel, and 36 month periods employment terms is CIMB rate. Come with unexpectedly high interest rates are presented per annum are around 13.47 % – 23.36 % the.