Home Loan

Home Loan

Your dream home is now within reach! Avail of our Home Loan and buy either a house and lot, a townhouse, a residential condominium, or a residential vacant lot. You can also refinance or take out an existing home loan, or reimburse a home purchase or construction cost and acquisition of mixed-use properties.

Quick Guide

Minimum Loan Amount
Php 500,000
Maximum Loan Amount
Up to Php 20,000,000 (depending on loan purpose)
Terms
Up to 20 years (depending on loan purpose)

Features

Get fast loan approval

Enjoy flexible payment terms

Experience personalized service

Take advantage of our special deals

Eligibility

  • 21 to 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
  • Salaried or self-employed individuals
  • With minimum gross monthly family income of Php 50,000 

Loan Application

Apply via a PBCOM Branch

1. Download and fill out the Application Form.

2. Prepare the requirements and go to your branch of choice.

3. Submit the application form and other requirements. 

Requirements

  1. Payment ledger/Purchase Information Sheet/Contract to Sell
  2. Completely filled-out application form
  3. Two valid IDs of borrower & co-maker / Attorney-in-fact
  4. Marriage contract (if applicable)
  5. Income documents
    • Employed (Local)
      • Certificate of employment payslips/Income Tax Return
    • Employed (OFW)
      • Certificate of employment / payslips / Latest proof of remittances
  6. Self-Employed
    • Trade References – please ensure business name is provided
    • Latest 3 months Bank Statement
    • Latest Income Tax Return w/ Audited Financial Statements

Fees and Charges

  • Upfront Appraisal Fee – Depending on the location/area to be appraised (Php3,500 if within Metro Manila; P5,000 if outside Metro Manila)
  • Real Estate Mortgage Fees - Inclusive of:
    • Documentary Stamp Tax
      • DST on Real Estate Mortgage = Php20 for the first Php5,000 & Php10 for the succeeding Php5,000 or a fraction thereof, based on loan amount
      • DST on PN = Php1 for every Php200 or a fraction thereof, based on loan amount
    • Registration Fee
    • Notarial Fee
    • Processing Fee = Php5,000
    • Cancellation Fee
*To be computed based on the amount financed
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