While the complete list of documents that you'd need to submit in order to be approved can vary from bank to bank, there are a number of items that are common across institutions. Do keep in mind that the actual requirements differ between providers, most notably in the periods covered by the particular document.
- Duly filled and signed application form
- Valid government-issued ID (including a photocopy) of borrower or signatory
For locally employed applicants:
- Original copy of COE or Certificate of Employment with Compensation
- Photocopy of at least 2 month pay slip
- ITR or Income Tax Return with BIR form 2316 (duly stamped by BIR) or bank stamp for at least 1 year
For self-employed applicants:
- Latest ITR/BIR Form 2316 (duly stamped by BIR)
- Latest Audited Financial Statements/Statement of Assets and Liabilities/Statement of Income and Expenses
- Certificate of Business Registration with DTI (sole proprietorship) or SEC (partnership/corporation)
For applicants employed abroad:
- Latest Crew Contract (if applicant is a seafarer)
- Latest Employment Contract authenticated by Philippine Consulate (if applicant is an OFW)
- Proof of remittance for at least 3 months (period requested may vary)
For foreign residents:
- Proof of Residency
- Proof of Income
- Alien Certificate of Registration
- Permanent Work Status