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Need the best home loan in the Philippines for various purposes―from the purchase of a new house to reconstructing your current home? Then check out PNB’s Housing Loan.



PNB offers one of the best home loans rates and terms in the Philippines, allowing you to own your dream home at a price you can afford.


For other type of loans, visit my detailed guide for best personal loans and car loans in the Philippines!

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PNB Housing Loan Features


Minimum loan amount:
  • Lot purchases within and outside Metro Manila: ₱500,000
  • House and lot, townhouse, or condominium purchase within Metro Manila: ₱750,000
  • ₱500,000 outside Metro Manila

Maximum loanable amount:
  • Lot property: up to 70% of the appraised value
  • House and lot, townhouse, or condominium: up to 80% of the appraised value 
  • Interest rate: 6.25% per annum (current rate = 1.25% + 5% fixed rate)

Maximum loan term: 
  • Lot purchase, home improvement, or redesign: Up to 10 years
  • Purchase of house and lot, townhouse, or condominium unit, and for house construction: Up to 20 years



Who Can Apply for a PNB Housing Loan?

  • Filipino citizen
  • At least 21 years of age, but not more than 65 years of age upon maturity of the loan
  • Employed or self-employed individuals
  • PNB Housing Loan Requirements
  • Fully accomplished PNB Housing Loan Application Form
  • Copy of one valid ID of the borrower/spouse/co-borrower/signatories of the loan 

If employed (any of the following):
  • Latest ITR
  • Latest Certificate of Employment 
  • Payslips for the last three months

If Overseas Filipino Worker (any of the following):
  • Latest employment contract
  • Latest Certificate of Employment with compensation
  • Latest payslips for the last three months

If self-employed (any of the following):
  • DTI or Business/Mayor’s Permit
  • ITR or AFS

If an individual with a corporate business:
  • Bank statement (personal and corporate) for the last six months
  • SEC registration
  • General Information Sheet
  • ITR or AFS




Collateral requirements

  • Copy of Collateral Title (TCT or CCT)
  • Copy of Tax Declaration on Land or Building
  • Lot plan and vicinity map
  • For construction: Bill of Materials, building/floor plan, building specs
  • For acquisition from accredited developer: contract to sell
  • For purchase of house and lot/vacant lot: Deed of Absolute Sale or Contract to Sell
  • For refinancing or loan take-out: Statement of Account from Mortgagee Bank 


ATTRACTIONS TO SEE IN MANILA 

Klook.com

Which home developers are accepted for financing for PNB Housing Loan?

  • Eton
  • Ayala
  • Filinvest
  • Robinsons
  • Arthaland
  • Megaworld
  • SMDC
  • DMCI
  • Vista Land
  • Shang Properties

Apply for PNB Housing Loan Now!


Payment Options

1. What are the term options for my loan?
  • Up to 10 years for lot purchase and home improvement
  • Up to 25 years for purchase of house & lot, townhouse, and condominium unit, and house construction

2. What is the interest rate?
  • The interest rate for your loan is the prevailing home loan rate at the time of availment.

3. How can I pay for my loan?

Repayment Scheme:
  • Equal monthly amortization

*Initial low monthly payments is applicable to loan amount of minimum PHP1,000,000 for a minimum period of five (5) years.

Mode of Payment:
  • Automatic Debit Arrangement
  • Post Dated Checks

4. What can be my collateral?
  • First Real Estate Mortgage over an acceptable residential property

If you are looking to apply for a credit card, here are my Tips to Get Approved for a Credit Card Application.



ACTIVITIES AND TOURS IN MANILA

Home Loans in the Philippines

Here's a list of banks that offer best home loans in the Philippines:

Your Comprehensive Guide to PNB Housing Loan: Your Pathway to Homeownership


Need the best home loan in the Philippines for various purposes―from the purchase of a new house to reconstructing your current home? Then check out PNB’s Housing Loan.



PNB offers one of the best home loans rates and terms in the Philippines, allowing you to own your dream home at a price you can afford.


For other type of loans, visit my detailed guide for best personal loans and car loans in the Philippines!

Loading...

PNB Housing Loan Features


Minimum loan amount:
  • Lot purchases within and outside Metro Manila: ₱500,000
  • House and lot, townhouse, or condominium purchase within Metro Manila: ₱750,000
  • ₱500,000 outside Metro Manila

Maximum loanable amount:
  • Lot property: up to 70% of the appraised value
  • House and lot, townhouse, or condominium: up to 80% of the appraised value 
  • Interest rate: 6.25% per annum (current rate = 1.25% + 5% fixed rate)

Maximum loan term: 
  • Lot purchase, home improvement, or redesign: Up to 10 years
  • Purchase of house and lot, townhouse, or condominium unit, and for house construction: Up to 20 years



Who Can Apply for a PNB Housing Loan?

  • Filipino citizen
  • At least 21 years of age, but not more than 65 years of age upon maturity of the loan
  • Employed or self-employed individuals
  • PNB Housing Loan Requirements
  • Fully accomplished PNB Housing Loan Application Form
  • Copy of one valid ID of the borrower/spouse/co-borrower/signatories of the loan 

If employed (any of the following):
  • Latest ITR
  • Latest Certificate of Employment 
  • Payslips for the last three months

If Overseas Filipino Worker (any of the following):
  • Latest employment contract
  • Latest Certificate of Employment with compensation
  • Latest payslips for the last three months

If self-employed (any of the following):
  • DTI or Business/Mayor’s Permit
  • ITR or AFS

If an individual with a corporate business:
  • Bank statement (personal and corporate) for the last six months
  • SEC registration
  • General Information Sheet
  • ITR or AFS




Collateral requirements

  • Copy of Collateral Title (TCT or CCT)
  • Copy of Tax Declaration on Land or Building
  • Lot plan and vicinity map
  • For construction: Bill of Materials, building/floor plan, building specs
  • For acquisition from accredited developer: contract to sell
  • For purchase of house and lot/vacant lot: Deed of Absolute Sale or Contract to Sell
  • For refinancing or loan take-out: Statement of Account from Mortgagee Bank 


ATTRACTIONS TO SEE IN MANILA 

Klook.com

Which home developers are accepted for financing for PNB Housing Loan?

  • Eton
  • Ayala
  • Filinvest
  • Robinsons
  • Arthaland
  • Megaworld
  • SMDC
  • DMCI
  • Vista Land
  • Shang Properties

Apply for PNB Housing Loan Now!


Payment Options

1. What are the term options for my loan?
  • Up to 10 years for lot purchase and home improvement
  • Up to 25 years for purchase of house & lot, townhouse, and condominium unit, and house construction

2. What is the interest rate?
  • The interest rate for your loan is the prevailing home loan rate at the time of availment.

3. How can I pay for my loan?

Repayment Scheme:
  • Equal monthly amortization

*Initial low monthly payments is applicable to loan amount of minimum PHP1,000,000 for a minimum period of five (5) years.

Mode of Payment:
  • Automatic Debit Arrangement
  • Post Dated Checks

4. What can be my collateral?
  • First Real Estate Mortgage over an acceptable residential property

If you are looking to apply for a credit card, here are my Tips to Get Approved for a Credit Card Application.



ACTIVITIES AND TOURS IN MANILA

Home Loans in the Philippines

Here's a list of banks that offer best home loans in the Philippines:

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