Home Loan
DAILY RATES
Signature Trust Fund
Value Equity Fund
Best Balanced Fund
**in Philippine Peso
HOME LOAN

Live in the comfort of your own home through PBCOM Home Loan with competitive interest rates and payment terms.

  • Fast approval upon submission of complete requirements and after appraisal
  • Affordable monthly amortization with competitive interest rates and loan term
  • Personalized service

ACCEPTABLE LOAN PURPOSE

  • Purchase of House and Lot, Townhouse, Residential Condominium Unit or Residential Vacant Lot
  • House Construction or Renovation
  • Refinancing of Existing Housing Loan
  • Reimbursement of Home Purchase or Construction Cost*
  • Purchase of Mixed-use Property or Shop House Classified as “Residential”

LOAN AMOUNT

  • Minimum of Php500,000
  • Maximum of Php20 million or up to 80% of the appraised value of the residential property**,
    whichever is lower

LOAN TERM

  • Up to 20 years***

INTEREST RATE

  • Prevailing interest rate at the time of loan release shall apply
  • Interest rate fixing options from 1 to 5 years

 

LOAN PAYMENT

  • Monthly installments covering principal and interest to be paid via Post Dated Checks or Automatic Debit Arrangement

ELIGIBILITY REQUIREMENTS

  • 21 – 65 years old (Applicant must not be more than 65 years old upon loan maturity)
  • Filipino Citizen, Foreign-based Filipino, or Foreign Citizen residing in the Philippines
  • Individuals who are salaried, self-employed or with business
  • Minimum Gross Monthly Family Income of P50,000

DOCUMENTARY REQUIREMENTS

 

INFORMATION ON COLLATERAL

  • Photocopy of TCT/CCT
  • Photocopy of Tax Declaration
  • Lot Plan and Vicinity Map

ADDITIONAL REQUIREMENTS FOR CONSTRUCTION/RENOVATION

  • Approved Building Plan
  • Bill of Materials and Specifications
  • Building Permit

 

INFORMATION ON PERSONAL DATA
AND INCOME

 

FOR SALARIED INDIVIDUALS

  • Filled out and signed application form
  • Certificate of Employment with Compensation
  • Marriage Certificate, if applicable (photocopy)
  • Latest ITR or Form 2316 (photocopy)
  • Any two (2) valid government-issued IDs with photo and signature

FOR SELF-EMPLOYED INDIVIDUALS

  • Filled out and signed application form
  • Certificate of Business Registration (photocopy)
  • Marriage Certificate, if applicable (photocopy)
  • List of at least 3 clients and/or suppliers with contact details
  • Latest ITR (photocopy)
  • Latest Audited Financial Statements (photocopy)
  • Bank statements for the last three (3) months (photocopy)
  • Any two (2) valid government-issued IDs with photo and signature

 

 

*Within one (1) year from date of purchase or completion of construction

**Applicable maximum loan value varies depending on loan purpose and use

***Applicable maximum loan term varies depending on loan purpose