• 21 to 70 years old at the end of the loan term
• Minimum gross family income of P50,000.00 per month
• Filipino Citizen
• If Employed – working for the current company for at least one (1) year for officers or two (2) for staff/non-officer position
• If Self-employed – with DTI registered business operating profitably for the last two (2) years

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. 

• Duly accomplished and signed PBCOM Loan Application Form
• One (1) valid government-Issued ID of borrower and co-maker/guarantor/surety/spouse (as applicable)
• Marriage Contract (if married) or any document to support civil status

For Salaried Individuals:

Any of the following:4

• Latest Income Tax Returns (ITR), or BIR Form 2316.  
• Latest Certificate of Employment and Compensation (COEC) should be issued within the last 30 days prior to the date of application
• Photocopy of the latest three (3) months payslip

For Self-Employed Individuals:

• Latest Income Tax Return duly stamped as received by the Bureau of Internal Revenue and Audited Financial Statements for the last two (2) years
• Certificate of Business Registration and updated Business Permits
• List of clients and suppliers (at least three of each) with contact details
• Bank statements (from other banks) for the last six (6) months

Collateral Requirements:

Home Loan General Collateral Requirements

• Copy of Title (TCT or CCT) - complete pages
• Copy of Tax Declaration on Land
• Copy of Tax Declaration on Improvement
• Lot Plan or Vicinity Plan
• Authorization to Appraise the Property
• Proof of payment of Appraisal fee

Additional Requirements if purpose is Home Construction

• Certified/Approved Building Plan and Building Specifications
• Bill of Materials for the Proposed Construction

Additional Requirement if purpose is Loan Take-Out with Other Banks

Latest SOA from the Bank where property is currently mortgaged