Home Loan

Own the home you’ve always wanted.
Apply for our Home Loan today.

Product Features:

Term:

Interest Rate: Prevailing Home Loan rate at time of loan approval

Purpose:

Eligibility:

Filipino citizens who are residents or assigned/working outside the border of the Philippines, provided with a qualified Filipino Citizen co-borrower or with a Philippine resident under a valid Special Power of Attorney (SPA).
Must be at least twenty-one (21) years old and not greater than the applicable retirement age limit upon loan maturity.
Locally Employed – The Borrower must be employed or deployed with the current employer for at least two (2) years.
Self-Employed or Practicing Professional – must be self-employed or practicing professional for at least three (3) years.
Overseas Filipino Worker (OFW) – Must be continuously working overseas for at least three (3) years.
Seafarers – Must be continuously working overseas for at least three (3) years

General Requirements:

Accomplished Loan Application Form
Copy of two (2) valid IDs (Gov’t & Company ID) and TIN with 3 specimen signatures
Recent 2×2 photos with full name, signature, and date
Latest proof of billing address
Sketch of a Residence with a landmark
Collateral Documents

If locally employed:

If self-employed:

Latest ITR
Certificate of Business Registration with DTI (Sole Proprietorship) or
SEC, Articles of Incorporation & By Laws (Partnership/Corporation)
Latest three (3) years’ Audited Financial Statements and ITR
Interim Financial Statement
Bank Statements / Photocopy of Passbook for the last six (6) months
Latest proof of additional/other income (Lease Contract, Certificate of Deposits, and/or Stocks Certificate)
List of trade references, suppliers & customers with name and contact number

If OFW:

Latest employment contract authenticated by the Philippine Consulate (Apostille)
Seafarer / Seaman must have their latest crew contract, exit validated by POEA
Proof of remittance for the three (3) months or more.
Consularized Special Power of Attorney (if applicant is already deployed overseas)
Physical assets, such as real estate and other vehicles owned, can be used as additional proof of capacity to pay

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