• 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 

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. 

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

• 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