Housing Loan

Basic Criteria

• Filipino citizens resident in the country.
• Foreign nationals possessing immigrant visas resident in the country.
• Applicant must be between 21 to 60 years old.

Basic Requirements

• Completely filled-out and signed Application Form
• Two (2) valid Government-issued IDs with 3 specimen signatures

For Employed

• Certificate of Employment and/or payslips for the last three (3) months
• Latest BIR Form 2316
• Latest Income Tax Return (ITR) and Audited Financial Statements (AFS) for the last three (3) years, if applicable
• Bank statements or photocopy passbook for the past three (3) months

For Sole Proprietor/Self-Employed

• Certificate of Registration of Business Name issued by the DTI
• Certificate of Registration with the Bureau of Internal Revenue (BIR)
• Mayor’s/Business Permit
• Latest Income Tax Return and Annual Financial Statements duly stamped received by the BIR
• In-house/Audited Financial Statements for the last three years
• Other supporting documents to substantiate financial capacity (e.g., bank statements, lease contracts, purchase orders, official receipts, etc.)
• Bank statements or photocopy passbook for the past three (3) months

Collateral Documents:

• Photocopy of TCT/CCT/OCT
• Lot Plan/Vicinity Map

Others: For Construction Loans:

• Building Plans and Floor Plans
• Bill of Materials and Labor Cost
• Building Permit

For Rented/Leased Properties:

• Copy of Leased Contracts

For Refinancing/Loan Take-out:

• Statement of Account and Official Receipt for the last three (3) months

To be submitted after loan approval

• Original owner’s duplicate copy of TCT/CCT/OCT
• Original Tax Clearance
• Latest Real Estate Tax Receipt (RETR)
• Master Deed of Declaration (for condominium)
• Latest Tax Declaration on Land and Improvement
• Original Building Permit
• Original as Built Plans
• Insurance Policy Endorsed to the Bank
• BIR issued Certificate of Authorized Registration (CAR)