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As an OFW, how long should I pay the loan?

Loan terms are mostly flexible, ranging from 6 months up to 18 months for land-based OFW and a minimum of 3 months up to 8 months for sea-based. As a borrower, maximum loan term is equivalent to your employment contract minus one (1) month. For balik-mangagawa, maximum loan term is remaining months in current contract minus one (1) month.