When it comes to home loans, the first thing that comes to mind is the Pag-IBIG Fund. A strong testament to that is its ₱100.08 billion worth of home releases in 2021. It seems the momentum continues, as the state-run home development mutual fund projects will reach ₱105 billion by the end of 2022.[1]
Without a doubt, many Filipinos choose Pag-IBIG to finance their dream home. However, banks also offer home loans with competitive rates and flexible terms. The number of choices can be overwhelming, but that shouldn’t be a problem since we’ve already handpicked the most practical offers.
Check out this list to find the best housing loan in the Philippines.
Your options for the best housing loan in the Philippines come from some of the most reputable banks out there. This list summarizes all you need to know about the best banks for a housing loan, from features to requirements.
RCBC
RCBC offers the lowest minimum loan amount on this list. This is particularly useful if you plan to borrow just a fraction of the home’s price tag and repay the loan as quickly as possible.
RCBC Home Loan Features
- Minimum loan amount: ₱300,000
- Interest rate: 6.88% to 11% depending on the term
- Loan term: Up to 20 years
- Fixing option of one to 20 years
- Can be used for the purchase of a house and lot, vacant lot, and home renovation
- Can also serve as a multi-purpose loan or for home loan refinancing
Who Can Apply for an RCBC Home Loan?
- Filipino or dual citizen
- If a foreigner, the applicant must be married to a Filipino citizen.
- At least 21 years old upon loan application
- Up to 65 years old upon loan maturity (70 years old for self-employed applicants)
- Must have a mobile number and a residence or office landline
- Minimum employment tenure of one year and minimum gross monthly income of ₱40,000
- If an OFW, the applicant must have worked abroad for at least two consecutive years
- If self-employed, the business must be profitable for the last two years
RCBC Home Loan Requirements
- Accomplished RCBC Home Loan application form
- Copy of Transfer Certificate of Title (TCT) and Tax Declaration (Land and Improvement)
- Bill of Materials (Construction)
- Documents for employed applicants:
- Certificate of Employment
- Latest Income Tax Return (ITR)
- Two government-issued IDs
- Tax Identification Number (TIN)
- Utility bill
- Documents for self-employed applicants:
- DTI Business Registration Certificate
- Audited financial statements
- Income Tax Return
- Bank statements
UnionBank
UnionBank is one of the fastest-growing banks in the Philippines that offer attractive financial products to Filipinos. It won the most number of awards among all participating banking institutions at The Asian Banker Financial Technology Innovation Awards 2021.[2] UnionBank also bagged the top award as the Asia Trailblazer Institution of the Year at the 2021 Retail Banker International Asia Trailblazer Awards in Singapore.[3]
If you’re looking to get a home loan from a bank that’s well-recognized in the Asian market, UnionBank may be the right choice for you.
It’s also easy to get a UnionBank home loan with its wide range of accredited real estate developers. If you’re buying from any of its accredited developers, like Avida, Ayala, Camella, Filinvest, Megaworld, or SMDC, you can apply for a UnionBank housing loan as long as you satisfy the bank’s requirements.
UnionBank Home Loan Features
- Minimum loan amount: ₱500,000
- Maximum loan amount: 90% of the property’s appraised value
- Interest rates: 6% to 11%
- Loan term: One to 20 years
- Allows 10% to 99% down payment
- Can be used for the purchase of a lot, house and lot, or condominium, house construction, refinancing, or home renovation
- Quick approval time
Who Can Apply for a UnionBank Home Loan?
- 21 to 65 years old but not exceeding age 70 upon loan maturity
- Filipino or former Filipino citizen
- Employees with permanent status
- Self-employed individuals whose business has been operating profitably for at least two years
- OFWs
UnionBank Home Loan Requirements
- Accomplished Unionbank Home Loan application form
- Valid ID (SSS/GSIS/TIN ID)
- Marriage contract (if married)
- Latest income documents for employed applicants:
- Certificate of Employment with salary details
- Payslips for the last three months
- Latest income documents for self-employed applicants:
- DTI or SEC Business Registration Certificate
- Financial statements
- Bank statements for the last six months
- ITR
- List of customers or suppliers with contact information
- Additional documents for OFWs:
- Valid passport with entry and exit stamps
- Original consularized Special Power of Attorney
Read more: Should You Buy or Build a House? Important Things to Consider
Security Bank
The Security Bank housing loan was named the Home Loan Product of the Year in 2019 at the Asian Banking and Finance’s Wholesale and Retail Banking Awards.[4] This validates the bank’s high-quality loans and services.
On top of that, Security Bank brought home seven awards at the 18th Philippine Quill Awards for its corporate social responsibility initiatives and communications programs.
Security Bank Housing Loan Features
- Minimum loan amount: ₱1 million
- Maximum loan amount: 90% of the property’s appraised value, up to ₱10 million
- Interest rates:
- Loan term: Up to 25 years
- Quick approval time of ten banking days, depending on submitted documents
- Can be used for the purchase of a house and lot, vacant lot, or condominium unit
- Can also be used for home construction, renovation, or refinancing
Who Can Apply for a Security Bank Housing Loan?
- At least 21 years old but not more than 65 years old upon loan maturity
- Earning a combined monthly income of ₱50,000
- Continuous employment for at least two years
- For self-employed: Must be operating a legitimate and profitable business for the last three years
Security Bank Home Loan Requirements
- Accomplished loan application form
- A clear copy of one valid ID with picture (same requirement for spouse or co-borrower)
- PSA Marriage Certificate for married applicants
- Certification of No Marriage (CENOMAR) for single applicants
- Latest Certificate of Employment (COE) with six-month validity
- Collateral requirements
- Copy of title (TCT/CTC)
- Copy of Tax Declaration on land and improvement (if applicable)
- Copy of payment of appraisal fee (SBC Universal Transaction Slip)
- Requirements for Acquisition from Accredited Developer, Contract to Sell, Reservation Agreement, Home Construction or Renovation
- Bill of Materials and Estimates of Construction and Labor Cost
- Floor and building plan and building specifications
AUB
The bank describes its home loan services as “personalized,” which means you can expect it to provide sound advice regarding your plans. New home buyers will certainly benefit from this service. On top of that, AUB offers an interest rate cap on its home loan, which may protect you from rising interest rates in the future.
AUB Preferred Home Loan Features
- Minimum loan amount: ₱1 million
- Maximum loan amount: Up to 80% of the appraised property value
- Interest rates:
- 6% fixed for one year
- 6.5% fixed for three years
- 7% fixed for five years
- Loan term: Up to 20 years
- Easy repayment through auto-debit arrangement
- Home Rate Protect that puts an interest rate cap of 9% on home loans
AUB Preferred Home Loan Requirements
- Accomplished AUB Preferred Home Loan application form
- Photocopy of
- Two valid IDs each from the principal borrower and co-borrower
- Marriage Contract or CENOMAR (whichever is applicable)
- Collateral Requirements:
- Photocopy of collateral title (TCT/CCT), lot plan/vicinity map/ subdivision plan, and updated Tax Declaration, tax receipts, and tax clearance
- Statement of Account, Reservation Agreement, or Contract to Sell, for Accredited Developers
- Photocopy of income documents for employed applicants:
- Certificate of Employment
- Payslips for the last three months
- Latest ITR/BIR form 2316
- Photocopy of income documents for self-employed applicants:
- Business registration documents (SEC Registration/Articles of Incorporation/Bylaws/GIS or DTI Certificates/Mayor’s Permit/Business Permit
- Bank statements for the last three months
- Audited financial statements for the last two years
- ITR for the last two years
- List of major trade suppliers and customers with contact details (if applicable)
China Bank
With flexible repayment terms and multi-purpose loans, China Bank makes a great pick for first-time home buyers. You can have your interest rate fixed for one, five, or ten years.
China Bank HomePlus Loan Features
- Minimum loan amount: ₱500,000
- Interest rates:
- 5.50% for one-year fixing
- 6.25% for two-year and three-year fixing
- 7.25% for four-year and five-year fixing
- Loan terms:
- Condo units - up to 15 years
- Vacant lots - up to 10 years
- House and lot - up to 20 years
- Quick processing
- Can be used for the purchase of different real estate properties, house construction, refinancing, and reimbursement
- Easy repayment via automatic debit arrangement
- No hidden charges
Who Can Apply for a China Bank HomePlus Loan?
- At least 23 years old but not more than 65 years old upon loan maturity
- With a steady and verifiable source of income
- Has a supervisory/managerial position at a reputable company for at least three years
- Minimum gross monthly income:
- ₱50,000 (Metro Manila and Metro Cebu) and ₱35,000 (other provinces)
- No adverse records or credit findings, such as court cases, bouncing checks, unpaid loans, or canceled credit cards, among others
China Bank HomePlus Loan Requirements
- Accomplished China Bank HomePlus Loan application form
- Photocopy of one Valid ID (TIN, Community Tax Certificate, passport, company ID, driver’s license)
- Photocopy of marriage contract (if married)
- Photocopy of Certificate of No Marriage (CENOMAR)
- For locally employed applicants:
- ITR
- Certificate of Employment stating the length of service and monthly compensation package
- Latest payslips for the last three months
- For land-based OFWs:
- Latest Certificate of Employment and Compensation (COEC) stating position and length of service
- Latest payslips for the last three months
- Special Power of Attorney (SPA) and Bank Template
- Designated Attorney-In-Fact (AIF)
- For sea-based OFWs:
- Latest POEA contract
- Latest Certificate of Sea Service
- Special Power of Attorney (SPA) and Bank Template
- Designated Attorney-In-Fact (AIF)
- For self-employed applicants:
- Audited financial statements and ITR for the last three years (BIR-stamped)
- Certificate of Registration of Business Name
- Complete list of suppliers and clients, including contact person and number
- Audited financial statements for the last three years
- Bank statements
- Profession Information Sheet (bank template) if professional
- For partnerships/corporations:
- SEC registration, Articles of Incorporation and bylaws
- ITR with audited financial statements for the last three years
- Latest bank statements or photocopy of passbook for the last six months
- Board or partnership resolutions or secretary’s certificate
- Current General Information Sheet (GIS)
- Company profile
- Complete list of suppliers and clients, including contact person and number
- Collateral Requirements
- Photocopy of owner’s duplicate copy of Transfer/Condominium Certificate of Title
- Vicinity or location map and lot plan
- Current tax declarations, tax receipts, and tax clearance
- Bill of Materials and Building Plan (for house construction or renovation)
HSBC
Wondering why HSBC offers one of the best housing loans in the Philippines? Homeowners who need more funds to purchase property in expensive areas turn to global banks like HSBC because they offer home mortgage loans of up to ₱50 million.
HSBC Home Mortgage Loan Features
- Minimum loan amount: ₱700,000
- Maximum loan amount: ₱50,000,000
- Interest rate: 4.99% to 6.29%
- Loan-to-value ratio (LTV): 60% to 80% maximum of the appraised value or selling price of the collateral or property, whichever is lower
- Loan term:
- 12 months up to 10 years
- Or up to client's age of 65 upon loan maturity, whichever is earlier
- Acceptable property types:
- House and lot
- Condominium
- Townhouse
- Vacant lot (for a residential house)
- Pre-sell residential properties of accredited developers
- An HSBC Home Mortgage Loan can be used to:
- Purchase owner-occupied residential property, which may include the borrower’s immediate family
- Refinance a residential mortgage with another financial institution
- Finance a construction, renovation, or addition to an existing residential property
- Reimburse a purchased property
- Flexible repayment schemes
- An array of interest-rate fixing options for new loans and repricing
Who Can Apply for an HSBC Home Mortgage Loan?
- At least 21 years old at the time of application
- Minimum gross monthly income: ₱300,000
HSBC Home Mortgage Loans Requirements
- Accomplished home loan application form
- One government-issued ID with photo
- For employed individuals (any of the following):
- Latest ITR
- Certificate of employment
- Last three months’ payslips
- For self-employed individuals: latest ITR for the last three years
- For OFWs:
- Proof of employment (contract or Certificate of Employment with the following details: salary, position, and length of service)
- Proof of permission to work (visa, POEA ID, or POEA certificate)
Read more: In-House Financing vs Bank Financing vs Pag-IBIG Financing: Which is the Best for Buying a Home
Maybank
Maybank’s MaxiHome Loan is recognized for offering unique financing options that depend on the borrower’s purpose. They have options for home acquisition, home construction, home equity, and home loan refinancing. Simply put, applying for a MaxiHome Loan lets you own a new address, be it a house, a condominium, a townhouse, or a lot.
Maybank MaxiHome Home Loan Features
- Minimum loan amount: ₱500,000
- Interest rate:
- 6.75% for one-year fixing
- 7.25% for three-year fixing
- 7.50% for five-year fixing
- Maximum loan term: 20 years
- All properties are subject to appraisal. Appraisal fee is non-refundable
- Loan accounts are subject to Life/Mortgage Redemption Insurance (MRI) and Fire Insurance (FI) coverage
Who Can Apply for a Maybank MaxiHome Home Loan?
- Borrowers of legal age and not older than 65 years old when the loan matures
- Employed for a minimum of two years
- If self-employed, the business must be operational for at least three years and profitable in the last 2 years
- For overseas workers - Should have a contract of employment for a minimum of two years
- Seafarers must be in at least an officer-level position working for no less than two consecutive years
- An attorney-in-fact for overseas workers or seafarers
Maybank MaxiHome Loan Requirements
- A completely filled-out Maybank loan application form
- Government-issued IDs
- Marriage certificate (if married) and CENOMAR (if single)
- If employed:
- Three months payslips
- ITR
- Certificate of Employment for both spouses
- If self-employed:
- Business registration or permits
- Latest two years' ITR and audited financial statements
- Company profile or business background
- List of major suppliers and customers with contact details (at least five)
- Latest six months' bank statements or passbook
- If an overseas worker:
- Employment certificate
- History of employment or last crew contact
- Special Power of Attorney using Maybank’s format
- Latest ITR, six months' bank statements, and proof of remittances
PNB
Need the best home loan in the Philippines for various purposes―from the purchase of a new house to reconstructing your current home? Then check out PNB’s Housing Loan.
PNB offers one of the best housing loan rates and terms in the Philippines, allowing you to own your dream home at a price you can afford.
PNB Housing Loan Features
- Minimum loan amount:
- Lot purchases within and outside Metro Manila: ₱500,000
- House and lot, townhouse, or condominium purchase within Metro Manila: ₱750,000
- ₱500,000 outside Metro Manila
- Maximum loanable amount:
- Lot property: up to 70% of the appraised value
- House and lot, townhouse, or condominium: up to 80% of the appraised value
- Interest rate: 6.25% per annum (current rate = 1.25% + 5% fixed rate)
- Maximum loan term:
- Lot purchase, home improvement, or redesign: Up to 10 years
- Purchase of house and lot, townhouse, or condominium unit, and for house construction: Up to 20 years
- Accredited home developers: Eton, Ayala, Filinvest, Robinsons, Arthaland, Megaworld, SMDC, DMCI, Vista Land, Shang Properties
Who Can Apply for a PNB Housing Loan?
- Filipino citizen
- At least 21 years of age, but not more than 65 years of age upon maturity of the loan
- Employed or self-employed individuals
PNB Housing Loan Requirements
- Fully accomplished PNB Housing Loan Application Form
- Copy of one valid ID of the borrower/spouse/co-borrower/signatories of the loan
- If employed (any of the following):
- Latest ITR
- Latest Certificate of Employment
- Payslips for the last three months
- If Overseas Filipino Worker (any of the following):
- Latest employment contract
- Latest Certificate of Employment with compensation
- Latest payslips for the last three months
- If self-employed (any of the following):
- DTI or Business/Mayor’s Permit
- ITR or AFS
- If an individual with a corporate business:
- Bank statement (personal and corporate) for the last six months
- SEC registration
- General Information Sheet
- ITR or AFS
- Collateral requirements:
- Copy of Collateral Title (TCT or CCT)
- Copy of Tax Declaration on Land or Building
- Lot plan and vicinity map
- For construction: Bill of Materials, building/floor plan, building specs
- For acquisition from accredited developer: contract to sell
- For purchase of house and lot/vacant lot: Deed of Absolute Sale or Contract to Sell
- For refinancing or loan take-out: Statement of Account from Mortgagee Bank
9. Metrobank
Metrobank allows borrowers to loan up to 80% of the property’s selling price. This is ideal for those with a small down payment. The bank’s program suits not only first-time homeowners—if you’re looking to buy your second home, consider their package the best housing loan in the Philippines. This is because it allows you to use your existing property as collateral to get a new real estate asset.
Metrobank Home Loan Features
- Minimum loan amount: ₱500,000
- Maximum loanable amount: Up to 80% of the property’s price
- Interest rate:
- 7.75% for one-year fixing
- 8% for two-year fixing
- 8.50% for three-year fixing
- 8.75% for four-year or five-year fixing
- Maximum loan term: Up to 25 years
- Eligible purposes for the loan:
- Lot purchase
- House construction
- Second home acquisition using the existing property as collateral
- Reimbursement
- Refinancing
- Home upgrades
Who Can Apply for a Metrobank Home Loan?
- Filipino citizens
- At least 21 years old
- With at least a gross monthly income of ₱40,000
- If employed, must have a permanent status with the current employer for the last two years
- If self-employed or running a business, business must be profitable for at least three years
- If Overseas Filipino Worker or Overseas Contract Worker, with or without a permanent residency status in their host country
Metrobank Home Loan Requirements
- If employed:
- Duly accomplished application form
- One valid government-issued ID (passport is preferred)
- Certificate of Employment (COE) with compensation, position or job title, date of employment or tenure OR latest electronic payslips for the last three months OR latest ITR or BIR Form 2316
- Marriage contract, if applicable
- If OFW:
- Duly accomplished application form
- Valid passport
- Certificate of Employment (COE) with compensation, position or job title, tenure, employer’s email (original if land-based) OR latest POEA contract and Certificate of Sea Service with work history and tenure (if sea-based)
- Proof of monthly remittance for the last six months in the name of the OFW or his immediate family members OR payslips or payroll bank statements for the last three months
- Marriage contract, if applicable
- If running a business:
- Duly accomplished application form
- One valid government-issued ID (passport is preferred)
- Business documents: DTI Certificate of Registration or Business Permit for single proprietorship; SEC Registration with Articles of Incorporation and By-Laws (or Articles of Partnership) for corporations or partnerships
- Latest ITR and audited financial statements (AFS) for the last two years
- Latest bank statements for the last six months
- Marriage contract, if applicable
- If partnership or corporation:
- Duly accomplished application form (Partnership and Corporation)
- SEC Registration with Articles of Incorporation and By-Laws (or Articles of Partnership)
- Updated GIS with names of senior management and stockholders
- Latest ITR and audited financial statements (AFS) for the last two years
- Latest bank statements for the last six months
- Collateral requirements:
- Duplicate copy of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)
- House Plans/Bill of Materials/Building Specifications (if construction loans)
- Contract to Sell (CTS) or Reservation Agreement (RA) (if under developer’s tie-up)
- Tax Declaration on Land and/or Improvement
- Appraisal and title investigation fees (non-refundable)
BPI
The oldest bank in Southeast Asia offers a home loan that can be used for a variety of real estate-related purposes. You can use it to buy a new home, fund your construction or renovation, and get a property equity loan using your existing property as collateral.
BPI Home Loan Rates and Features
- Minimum loan amount: ₱400,000
- Maximum loanable amount: Up to 90% of the property’s price
- Interest rate:
- 6.25% for one-year and two-year fixing
- 6.75% for three-year fixing
- 7.25% for four-year or five-year fixing
- 9.50% for 10-year fixing
- 10.50% for 15-year fixing
- 12% for 20-year fixing
- Maximum loan term: Up to 20 years
- Eligible purposes for the loan:
- New home purchase
- House construction
- Renovation
- Property Equity Loan
Who Can Apply for a BPI Home Loan?
- Filipino citizens
- At least 21 years old but not more than 70 years old upon loan maturity
- With at least a gross monthly income of ₱40,000
BPI Home Loan Requirements
- If employed:
- Duly accomplished application form
- Latest Certificate of Employment (COE)
- Latest payslips for the last three months
- Latest ITR
- Authorization letter for employment verification
- Bank statements of payroll account with authorization letter
- If commission-based employee, COE that states commissions received the prior year/months/period and commissions receivable, if any; bank statement where commission is credited with authorization letter
- If foreigner, Filipino spouse who will act as the primary borrower
- If self-employed:
- Duly accomplished application form
- DTI registration or Mayor’s Permit
- Latest ITR with audited financial statements (AFS)
- Working account (six months) with authorization letter
- Authorization letter for trade verification
- Trade references with complete contact details, such as the following: business name, complete address, contact person, and business contact number. These should include at least three major suppliers and at least three major clients
- If part owner of a partnership/corporation: individual ITR and payroll account where claimed salaries are credited with an authorization letter
- If practicing professional, clinic or office address with complete contact details
- If pensioner:
- Duly accomplished application form
- Certificate of Pension with an authorization letter
- Bank statements of the pension account with an authorization letter
- SSN
- If OFW:
- Duly accomplished application form
- Latest contract with an authorization letter
- Proof of bank remittance with an authorization letter
- Attorney-in-Fact/loan administrator (next of kin is preferred); full name, contact details, address, and valid government ID
- Collateral requirements:
- Photocopy of the duplicate copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)
- Photocopy of the updated Tax Clearance, Tax Declaration, and Tax Receipt
- Photocopy of notarized Contract-to-Sell or Offer-to-Sell from the registered owner of the property (for private sellers)
- Photocopy of notarized Contract-to-Sell or Letter of Endorsement or Official Computation Sheet from developers (in case of accredited developer tie-up properties)
- Signed Authorization Letter for Tax Mapping and Inspection of Property (in case of secondary market properties)
- Appraisal fee for unaccredited properties or projects
- Non-refundable appraisal fee of ₱5,000 (includes title verification)
- Photocopy of the latest Statement of Account with existing mortgagor (in case of refinancing)
- Building Plan, Bill of Materials, Cost Estimates/Scope of Work (for construction loans)
Note: For the complete list of requirements, visit your preferred bank’s website or contact its customer service department.
What to Consider When Choosing the Best Housing Loan in the Philippines
Buying a house, condo unit, or any type of property can cost you more if you don’t take a closer look at your options. Before you decide which bank to get funds from, here are some things you need to consider.
1. Know Why You Need a Housing Loan
One of the most common mistakes people make when choosing a housing loan in the Philippines is not knowing what to use it for. This applies to both secured and unsecured loans as well.
When borrowers are not sure about the purpose of the loan, they might end up making a decision that breaks the bank. Before you look for the best housing loan in the Philippines, ask yourself why you need it in the first place.
Is it to purchase a house and lot in the province? Or is it to acquire a condominium unit in Metro Manila? Perhaps it’s to purchase a lot as an investment?
Knowing your purpose for taking out a housing loan will go a long way in helping you find the best bank for a housing loan in the Philippines that meets your needs.
2. Determine Your Budget
Now that you’ve identified the property you want to acquire, take a look at your finances. How much are you able to shell out as a down payment? Are you earning enough to pay for the monthly amortization?
On top of the monthly payment, housing loans also come with fees, such as transfer taxes, application fees, and appraisal fees. Make sure you save enough so you have a financial cushion for emergency situations. Also, keep an eye on housing loan rates―they fluctuate without prior notice.
3. Compare Your Options
Even if you already have a bank in mind, compare each housing loan option and see which offers the terms and rates best suited for you. We’ve gone ahead and summarized the terms, rates, and loan offerings for you.
Refer to this table on housing loan comparison in the Philippines. You can quickly check which banks offer the lowest housing loan interest rates in the Philippines.
4. Talk to Experts
Note that loan terms and rates vary depending on your qualifications and the documents you provide. It’s always best to talk to banking experts to know how you stand and what your best options are.
5. Consider Alternatives to Housing Loans
If your goal is to improve your existing property, you may choose to turn to other types of loans. In this case, a personal loan is fit for the job.
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Final Thoughts
There are hundreds of banks out there, but not all of them offer the best housing loan in the Philippines. The process of finding the best bank for a home loan in the Philippines can feel like looking for a needle in a haystack. But it shouldn’t be a problem, especially now that you have a reference to guide you.
Sources:
- [1] Pag-IBIG Hikes Housing Loans to Record PHP 40 Billion
- [2] UnionBank big winner at The Asian Banker Financial Technology Innovation Awards 2021
- [3] UnionBank Bags Top Award As ‘Asia Trailblazer Institution Of The Year’ At The 2021 Retail Banker International Asia Trailblazer Awards
- [4] Security Bank Home Loan Wins Product of the Year Award
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