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Showing posts sorted by relevance for query China Bank. Sort by date Show all posts

China Banking Corporation, commonly known as China Bank, is one of the leading and most trusted banks in the Philippines.



If you are a China Bank customer or need assistance with their services, there are several convenient ways to get in touch with their customer support team.

If you are looking to file a complaint, here's a guide on how to contact BSP (​​​​​Consumer Assistance
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Customer Service Hotline

China Bank provides a dedicated customer service hotline to assist customers with various inquiries and concerns. You can reach their customer service representatives by calling (632) 888-55-888. Be prepared to provide specific details about your inquiry or account to receive prompt assistance.


Email Support

For non-urgent matters or if you prefer written communication, you can send an email to China Bank's customer support team. Visit the official China Bank website and look for the "Contact Us" or "Email Us" section. When emailing, include your name, contact information, account details (if applicable), and a detailed description of your concern.



Social Media Platforms

China Bank is active on various social media platforms, including Facebook and Twitter. Sending them a private message or commenting on their posts can be an effective way to get assistance. Many companies, including banks, have dedicated social media teams that respond to customer inquiries promptly.


Visit a Local Branch

For face-to-face assistance, you can visit a China Bank branch near your location. Check the official China Bank website for a branch locator tool. When visiting a branch, bring valid identification, account details, and any relevant documents related to your inquiry or transaction.



China Bank Website and Online Chat

China Bank's official website (chinabank.ph) serves as a valuable resource for account holders and potential customers. You can find information about their services, frequently asked questions, and important announcements. Some websites offer online chat support, allowing you to chat with a customer service representative in real-time.


Mobile App Support

If you are using China Bank's mobile banking app, there might be an option to seek help or support directly within the app. Look for a "Support" or "Help" section where you can submit inquiries or report issues related to mobile banking services.


Write a Letter

Traditional mail is another option for contacting China Bank. You can write a letter explaining your concerns and send it to China Bank's main office address:

China Banking Corporation
China Bank Building, 8745 Paseo de Roxas corner Villar Street, Makati City, 1226 Philippines


ATTRACTIONS TO SEE IN MANILA 

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When contacting China Bank through any channel, it's important to be clear and concise about your issue, providing as much detail as possible. This will help the customer service team understand your concern and provide you with an accurate and efficient resolution.

Maintain a professional and respectful tone in your communication, even if you are frustrated. Polite and clear communication will help China Bank's customer service representatives assist you effectively and efficiently, ensuring a positive experience for both parties.


ACTIVITIES AND TOURS IN MANILA


Other Banks Contact Information


How To Contact China Bank (Hotline Number, Email Address & Customer Service)


This is your comprehensive guide about banks and banking in the Philippines.

The Philippines has a comprehensive banking system encompassing various types of banks, from large universal banks to small rural banks and even non-banks.


As of 17 October 2017, there were 36 universal and commercial banks, 57 savings banks, 492 rural banks, 40 credit unions and 6,267 non-banks with quasi-banking functions, all licensed by the Bangko Sentral ng Pilipinas (Central Bank of the Philippines) under the General Banking Act of 2000.

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On top of regular banking services offered by universal, commercial, thrift and rural banks, there are savings and loan associations which are mainly based in communities and among retirees in the armed forces and the police organization and other employees of the government of the Philippines.


Prominent among these small savings services is the Armed Forces and Police Savings and Loan Association, Inc. (AFPSLAI), which is exclusive to active servicemen and retirees of the armed forces in the Philippines.

RELATED: List of Philippine Banks Swift Code/BIC (Meaning & How To Use)


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UNIVERSAL BANKS

Universal banks are financial service conglomerates that combine investment banking, commercial banking, development banking, and insurance to encompass a wider variety of services. They are also authorized to engage in other functions such as merchant banking, mutual funds, factoring, housing finance, and practically all types of functions typical in the banking business.

According to Bangko Sentral, there are 21 universal banks with active operations in the Philippines as of March 2018. These banks are the following:
  • Land Bank of the Philippines
  • Australia and New Zealand Banking Group Limited
  • Deutsche Bank AG
  • ING Bank N.V.
  • Mitzuho Bank, Ltd. – Manila Branch
  • Standard Chartered Bank
  • The Hongkong & Shanghai Banking Corporation
  • Asia United Bank Corporation
  • Rizal Commercial Banking Corporation
  • Security Bank Corporation
  • Union Bank of the Philippines
  • Al-Amanah Islamic Investment Bank of the Philippines
  • Development Bank of the Philippines
  • Bank of the Philippine Islands
  • BDO Unibank, Inc.
  • United Coconut Planters Bank
  • China Banking Corporation
  • East West Banking Corporation
  • Metropolitan Bank and Trust Company
  • Philippine National Bank
  • Philippine Trust Company



COMMERCIAL BANKS

Commercial banks are privately-owned institutions that accept deposits and lend money to projects to earn interest. They also offer personal, business, and mortgage loans, checking account services, and basic financial products like savings accounts and certificate of deposit to individuals and businesses. They are primarily owned by shareholders and are profit-based.

As of March 2018, 22 commercial banks are in operation in the Philippines and they are listed below:
  • Bank of Commerce
  • BDO Private Bank, Inc.
  • Philippine Bank of Communications
  • Philippine Veterans Bank
  • Robinsons Bank Corporation
  • CTBC Bank (Philippines) Corporation
  • Maybank Philippines, Incorporated
  • Bangkok Bank Public Co. Ltd.
  • Bank of America, N.A.
  • Bank of China Limited – Manila Branch
  • Citibank, N.A.
  • JP Morgan Chase Bank, N.A.
  • KEB Hana Bank – Manila Branch
  • Mega International Commercial Bank Co., Ltd.
  • The Bank of Tokyo-Mitsubishi UFJ, Ltd.
  • First Commercial Bank, Ltd., – Manila Branch
  • Cathay United Bank Co., Ltd., – Manila Branch
  • Shinhan Bank – Manila Branch
  • Sumitomo Mitsui Banking Corporation – Manila Branch
  • Industrial Bank of Korea – Manila Branch
  • United Overseas Bank Ltd., – Manila Branch
  • Hua Nan Commercial Bank, Ltd., – Manila Branch



List of Universal and Commercial Banks in the Philippines

Alphabetically arranged:
  • Al-Amanah Islamic Investment Bank of the Philippines*
  • Asia United Bank Corporation (AUB)
  • Australia and New Zealand Banking Group (ANZ)
  • BDO Unibank, Inc. (BDO; largest bank in the Philippines in terms of assets; 243rd largest bank globally)
  • BDO Private Bank (a subsidiary of BDO Unibank, Inc.)
  • Bank of America, N.A.
  • Bank of China - Manila Branch
  • Bank of Commerce (a subsidiary of San Miguel Corporation)
  • Bank of the Philippine Islands (BPI; oldest bank in Southeast Asia)
  • Bangkok Bank Co. Ltd.
  • Cathay United Bank Co. Ltd. - Manila Branch
  • Chang Hwa Commercial Bank LTD - Manila Branch
  • China Banking Corporation (Chinabank)
  • Chinatrust Philippines Commercial Bank Corporation (Chinatrust)
  • CIMB Bank Philippines Inc.
  • Citibank Philippines
  • Development Bank of the Philippines (DBP, secondary government bank)*
  • Deutsche Bank
  • East West Banking Corporation (EastWest Bank)
  • First Commercial Bank Manila
  • Hua Nan Commercial Bank Ltd. Manila
  • Industrial Bank of Korea Manila Branch
  • ING Group N.V.
  • JPMorgan Chase & Co. (JPMorgan Chase)
  • KEB Hana Bank - Manila Branch
  • Land Bank of the Philippines (Landbank; LBP, main government bank)*
  • Maybank Philippines, Inc.
  • Mega International Commercial Bank Co. LTD
  • Metropolitan Bank and Trust Company (Metrobank)
  • Mizuho Bank, Ltd. Manila Branch
  • MUFG Bank, Ltd.
  • Philippine Bank of Communications (PBCom)
  • Philippine National Bank (PNB)
  • Philippine Trust Company (Philtrust Bank)
  • Philippine Veterans Bank (Veterans Bank; PVB)
  • Rizal Commercial Banking Corporation (RCBC)
  • Robinsons Bank Corporation (RBank)
  • Security Bank Corporation (Security Bank)
  • Shinhan Bank - Manila Branch
  • Standard Chartered Bank Philippines
  • Sumitomo Mitsui Banking Corporation Manila Branch
  • The Hongkong and Shanghai Banking Corporation Limited
  • Tonik (bank)
  • Union Bank of the Philippines, Inc. (Unionbank)
  • United Overseas Bank Limited Manila Branch

The forty-five banks listed above are those with the biggest assets in the Philippine banking industry, listed at the BSP website as of June 2022. The largest of these is BDO Unibank and the smallest is Al-Amanah Islamic Bank.



Universal and Commercial Bank Group ranked according to assets (in million of peso as of 30 June 2022): 
  1. BDO UNIBANK INC - ₱3,661,570.82
  2. LAND BANK OF THE PHILIPPINES - ₱2,803,643.64
  3. BANK OF THE PHIL ISLANDS - ₱2,451,097.81
  4. METROPOLITAN BANK & TCO - ₱2,353,735.12
  5. PHIL NATIONAL BANK - ₱1,192,661.70
  6. CHINA BANKING CORP - ₱1,124,083.69
  7. RIZAL COMM'L BANKING CORP - ₱1,030,330.93
  8. DEVELOPMENT BANK OF THE PHIL - ₱971,347.99
  9. SECURITY BANK CORP - ₱796,777.07
  10. UNION BANK OF THE PHILS - ₱769,157.72
  11. EAST WEST BANKING CORP - ₱393,649.43
  12. CITIBANK, N.A. - ₱380,823.02
  13. ASIA UNITED BANK CORPORATION - ₱316,238.04
  14. HONGKONG & SHANGHAI BANKING CORP - ₱208,354.74
  15. BANK OF COMMERCE - ₱207,568.83
  16. ROBINSONS BANK CORPORATION - ₱172,356.27
  17.  PHIL TRUST COMPANY - ₱170,109.26
  18. PHIL BANK OF COMMUNICATIONS - ₱118,498.27
  19. STANDARD CHARTERED BANK - ₱99,915.14
  20. MAYBANK PHILIPPINES INCORPORATED - ₱91,672.44
  21. MUFG BANK, LTD. - ₱88,610.89
  22. MIZUHO BANK LTD - MANILA BRANCH - ₱83,328.02
  23. CTBC BANK (PHILIPPINES) CORP - ₱65,391.51
  24. PHILIPPINE VETERANS BANK - ₱60,067.52
  25. BANK OF CHINA (HONGKONG) LIMITED-MANILA BRANCH - ₱59,627.63
  26. JP MORGAN CHASE BANK NATIONAL ASSN. - ₱58,944.11
  27. DEUTSCHE BANK AG - ₱53,222.69
  28. BDO PRIVATE BANK, INC. - ₱45,374.58
  29. SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH - ₱40,064.47 
  30. AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED - ₱33,065.20
  31. ING BANK N.V. - ₱30,028.53
  32. BANK OF AMERICA N.A. - ₱27,448.92
  33. CIMB BANK PHILIPPINES INC - ₱24,369.26
  34. KEB HANA BANK - MANILA BRANCH - ₱20,151.98
  35. MEGA INT'L COMM'L BANK CO LTD - ₱13,669.25
  36. INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA - ₱11,810.63
  37. BANGKOK BANK PUBLIC CO LTD - ₱10,691.24
  38. SHINHAN BANK - MANILA BRANCH - ₱9,133.45
  39. INDUSTRIAL BANK OF KOREA MANILA BRANCH - ₱8,952.31
  40. HUA NAN COMMERCIAL BANK LTD MANILA BRANCH - ₱7,226.97
  41. CATHAY UNITED BANK CO LTD - MANILA BRANCH - ₱6,280.55
  42. CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH - ₱5,707.52
  43. UNITED OVERSEAS BANK LIMITED MANILA BRANCH - ₱4,677.33
  44. FIRST COMMERCIAL BANK LTD MANILA BRANCH - ₱3,681.10
  45. AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS - ₱728.69

See other list of banks in the Philippines:

Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

Bisitahin ang Usapang Hanapbuhay Facebook Group para sa iba pang tips at mga diskarte sa pera!


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List of Universal and Commercial Banks in the Philippines (with total assets as of 2022)


Owning your dream home has never been easier with China Bank’s HomePlus Loan.



Designed with flexibility and convenience in mind, this housing loan offers competitive rates and convenient features, ensuring that your path to homeownership is smooth and worry-free.

Here’s your comprehensive guide to China Bank HomePlus Loan, your gateway to a comfortable and secure living space.


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

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China Bank HomePlus Loan Features

Flexible Loan Purpose
Apply for a home loan for acquisition of lot, house and lot, townhouse, condominium unit, house construction, home renovation, loan take out, or reimbursement of a newly-acquired property.

Low Interest Rates
Enjoy affordable monthly payments and get to choose to have your rates fixed for one, three, and five years, to protect you from future rate increases.

Easy Payment Options
Choose to pay your home loan in a shorter or longer term via auto debit arrangement on your China Bank Account.


Eligibility Criteria





Application Requirements


Standard Documents

  • Duly filled out and signed HomePlus Loan Application Form
  • Photocopy of One (1) Valid ID (with signature and photo)
  • Photocopy of CENOMAR or Marriage Contract (whichever is applicable)
  • Photocopy of Latest Proof of Billing

Additional documents may be required during evaluation of your loan application, and up to loan availment/release of loan proceeds. 


For Employed Individuals

LOCAL
  • Latest Certificate of Employment and Compensation (COEC), indicating position and length of service
  • Latest Three (3) Months Payslips
  • Latest ITR/BIR Form 2316

LAND-BASED OFW

  • Latest Certificate of Employment and Compensation (COEC), indicating position and length of service
  • Latest Three (3) Months Payslips
  • Special Power of Attorney (SPA), Bank Template
  • Designated Attorney-In-Fact (AIF)

SEA-BASED OFW
  • Latest POEA Contract
  • Latest Certificate of Sea Service
  • Special Power of Attorney (SPA), Bank Template
  • Designated Attorney-In-Fact (AIF)

ADDITIONAL REQUIREMENTS FOR ATTORNEY IN FACT (AIF)
  • Duly filled out and signed HomePlus Loan Application Form
  • Photocopy of One (1) Valid ID (with signature and photo)
  • Photocopy of Latest Proof of Billing

Additional documents may be required during evaluation of your loan application, and up to loan availment/release of loan proceeds.




For Self-Employed or Professional

  • Duly filled out and signed HomePlus Loan Application Form 
  • Income Tax Return (ITR) with Audited Financial Statements for the last Three (3) years
  • Latest Six (6) months Banks Statements or photocopy of Passbook 
  • List of Trade References (at least Top 3 Suppliers and Top 3 Customers, with contact details and names of contact persons) 
  • Lease Contracts and list of properties for rent, if rental business 
  • Profession Information Sheet (Bank Template), if professional

Additional documents may be required during evaluation of your loan application, and up to loan availment/release of loan proceeds.


For Partnership or Corporate Borrowers

  • Duly filled out and signed HomePlus Loan Application Form 
  • Certificate of Registration from the SEC  
  • Latest GIS, By-Laws  and Articles of Incorporation 
  • Brief Company Profile 
  • Brief Profile of Officers and Stockholders 
  • Income Tax Return (ITR) with Audited Financial Statements for the last Three (3) years
  • Latest Six (6) months Bank Statements or photocopy of Passbook 
  • List of Trade References (at least Top 3 suppliers and Top 3 customers w/ contact details and names of contact persons)

Additional documents may be required during evaluation of your loan application, and up to loan availment/release of loan proceeds. 


Collateral Documents

  • Photocopy of Owner’s Duplicate Copy of  TCT or CCT  
  • Tax Declaration on Land and Improvement, if any
  • Lot Plan or Vicinity Map 
  • Bill of Materials and Building Plan, if loan purpose is for House Construction or Renovation
  • Copy of the Contract to Sell (CTS), if property to be purchased is from an Accredited Developer

Additional documents may be required during evaluation of your loan application, and up to loan availment/release of loan proceeds. 

Apply for China Bank HomePlus Loan Now!


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Fees and Charges



China Bank’s HomePlus Loan provides a reliable and convenient way to finance your home purchase. With competitive rates, flexible terms, and excellent customer service, China Bank is your trustworthy partner in achieving homeownership. Turn your dream home into a reality with China Bank HomePlus Loan today!

Apply for China Bank HomePlus Loan Now!


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

Consumer Loans Centers


Luzon

BATANGAS
3F CBC Bldg. P. Burgos Street, Batangas City
Telephone Number/s:  (043) 723-7127 

CABANATUAN
2F CBC Bldg., Paco Roman St., Brgy. Dimasalang, Cabanatuan City, Nueva Ecija
Telephone Number/s:  (044) 463-1063

DAGUPAN
2F Siapno Building, Perez Boulevard, Dagupan City 
Telephone Number/s:  (075) 522-8471

PAMPANGA
2F CBC Bldg., V. Tiomico Street, Sto. Rosario Poblacion, San Fernando, Pampanga  
Telephone Number/s:  (045) 961-5344 


Visayas

BACOLOD
2F CBC Bldg., Araneta Street, Bacolod City, Negros Occidental 
Telephone Number/s:  (034) 435-0647

CEBU
2F Chinabank Corporate Center, Samar Loop cor. Panay Road, Cebu Business Park, Cebu City 
Telephone Number/s: (032) 346-4448 ; (032) 416-1915

ILOILO
2F CBC Bldg., Rizal cor. Gomez Streets, Brgy. Ortiz, Iloilo City  
Telephone Number/s:  (033) 336-7918 


Mindanao

DAVAO
2F CBC Bldg., C.M. Recto Ave. cor. J. Rizal St., Sto. Rosario Poblacion, Davao City 
Telephone Number/s: (082) 226-2103 ; (082) 221-4163
 
CAGAYAN DE ORO
2F CBC Bldg., R.N. Abejuela St., South Divisoria, Cagayan de Oro City 
Telephone Number/s: (088) 859-1232 


China Bank HomePlus Loan Guide (Requirements and Application)


Here's your guide for savings banks in the Philippines.

What is a Savings Bank

A savings bank is a financial institution whose primary purpose is accepting savings deposits and paying interest on those deposits.

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Savings Banks in the Philippines

As of writing, there are at least 58 savings banks in the Philippines which are all licensed by the Bangko Sentral ng Pilipinas (Central Bank of the Philippines) under the General Banking Act of 2000.


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List of  Savings Banks in the Philippines

In alphabetical order:
  • 1st Valley Bank (a development bank)
  • AllBank, Inc.
  • Bank of Makati
  • Bank One Savings and Trust Corporation
  • Bataan Development Bank
  • Bataan Savings and Loan Bank
  • BPI Direct BanKo, Inc. (a subsidiary of BPI)
  • BPI Family Savings Bank (will be merging with BPI)
  • Business and Consumers Bank
  • CARD SME Bank, Inc. (a thrift bank)
  • Century Savings Bank Corporation
  • China Bank Savings (formerly PlantersBank - now a subsidiary of Chinabank)
  • City Savings Bank (a subsidiary of Unionbank)
  • Citystate Savings Bank
  • Cordillera Savings Bank, Inc.
  • Dumaguete City Development Bank, Inc.
  • Enterprise Bank, Inc.
  • Equicom Savings Bank (Equicom)
  • Farmers Savings and Loan Bank, Inc.
  • First Consolidated Bank, Inc.
  • Hiyas Banking Corporation
  • HSBC Savings Bank Philippines Inc.
  • Inter-Asia Development Bank
  • Isla Bank (a thrift bank)
  • Legazpi Savings Bank
  • Lemery Savings and Loan Bank, Inc.
  • Life Savings Bank, Inc.
  • Luzon Development Bank
  • Malasiqui Progressive SLB, Inc.
  • Malayan Savings Bank
  • Maritime Savings Bank Corporation
  • Maximum Savings Bank, Inc.
  • Maya Bank
  • Merchants Savings and Loan Association, Inc.
  • Metro Cebu Public Savings Bank
  • NetBank (Community Rural Bank of Romblon)
  • NorthPoint Development Bank, Inc.
  • Overseas Filipino Bank (subsidiary of Landbank; government bank)
  • Pacific Ace Savings Bank, Inc.
  • Pampanga Development Bank
  • Pen Bank, Inc. (formerly Peninsula RB, Inc.)
  • Philippine Business Bank
  • Philippine Resources Savings Banking Corporation (PR Savings Bank; acquired by CitySavings Bank)
  • Philippine Savings Bank (PS Bank; a subsidiary of Metrobank)
  • Philippine Star Development Bank, Inc.
  • PNB Savings Bank ( merged with PNB)
  • Producers Savings Bank Corporation (Producers Bank)
  • Quezon Coconut Bank, Inc. (a thrift bank)
  • Queen City Development Bank
  • RCBC Savings Bank (merged with RCBC) -
  • SeaBank
  • Sterling Bank of Asia
  • Sun Savings Bank, Inc.
  • UCPB Savings Bank (a subsidiary of UCPB)
  • University Savings Bank
  • Village Bank, Inc.
  • Wealth Development Bank Corporation
  • Yuanta Savings Bank Philippines, Inc.



The banks listed above are those with the biggest assets in the Philippine Banking Industry as of September 30, 2020.


Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

Bisitahin ang Usapang Hanapbuhay Facebook Group para sa iba pang tips at mga diskarte sa pera!


Like Usapang Hanapbuhay Facebook page for other updates!
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List of Savings Banks in the Philippines

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SWIFT Code or SWIFT Number is commonly known as Bank Identifier Code (BIC), this is the key information needed when sending money from overseas to your Philippine banks.


What is a SWIFT Code?

SWIFT define as the Society for Worldwide Interbank Financial Telecommunication. A SWIFT code is a set of 8 or 11 digits that represents a bank branch. You’ll need to use one when sending money internationally.

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How SWIFT Code is Used?

Wire transfer is common nowadays to transfer money from abroad to a bank in the Philippines. A code that can be utilized as a means of communication.



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This is the details how this swift code works

SWIFT CODES uses the following system in designating a bank’s code:
  • Institution Code or bank code = Four letters
  • Country Code = Two letters
  • Location Code = Two letters or two digits
  • Local Branch Code = Last three characters

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List of SWIFT Codes (or BIC) of Philippine Banks

  • ASIA UNITED BANK CORPORATION AUBKPHMM

  • AUSTRALIA AND NEW ZEALAND (ANZ) BANKING GROUP LIMITED
    ANZBPHMX

  • BANK OF COMMERCE
    PABIPHMM

  • BANK OF THE PHILIPPINE ISLANDS (BPI)
    BOPIPHMM

  • BANCO DE ORO (BDO) UNIBANK
    BNORPHMM

  • CHINA BANKING CORPORATION (CHINABANK)
    CHBKPHMM

  • CHINATRUST (PHILS.) COMMERCIAL BANK MANILA
    CTCBPHMM

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  • CITIBANK N.A. (CEBU BRANCH)
    CITIPHMXCBU

  • CITIBANK N.A. (MANILA HEAD OFFICE)
    CITIPHMXV

  • CITIBANK SAVINGS INC.
    CITIPH2X

  • DEVELOPMENT BANK OF THE PHILIPPINES (DBP)
    DBPHPHMM

  • EAST WEST BANKING CORPORATION
    EWBCPHMM

  • HONGKONG AND SHANGHAI BANKING CORP. (HSBC) CEBU BRANCH
    HSBCPHMMCEB

  • HONGKONG AND SHANGHAI BANKING CORP. (HSBC) MANILA HEAD
    HSBCPHMM

  • HSBC SAVINGS BANK (PHILIPPINES) INC.
    HBPHPHMM




  • LAND BANK OF THE PHILIPPINES
    TLBPPHMM

  • MAYBANK PHILIPPINES INC
    MBBEPHMM

  • METROPOLITAN BANK AND TRUST CO. (METROBANK)
    MBTCPHMM

  • PHILIPPINE BANK OF COMMUNICATIONS (PBCOM)
    CPHIPHMM

  • PHILIPPINE BUSINESS BANK (PBB)
    PPBUPHMM

  • PHILIPPINE NATIONAL BANK (PNB)
    PNBMPHMM

  • PHILIPPINE SAVINGS BANK (PS BANK)
    PHSBPHMM


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  • PHILIPPINE VETERANS BANK
    PHVBPHMM

  • PHILTRUST BANK (PHILIPPINE TRUST COMPANY)                                         PHTBPHMM

  • RIZAL COMMERCIAL BANKING CORPORATION (RCBC)
    RCBCPHMM

  • ROBINSONS BANK CORPORATION
    ROBPPHMQ

  • SECURITY BANK CORPORATION
    SETCPHMM

  • STANDARD CHARTERED BANK
    SCBLPHMM

  • UNION BANK OF THE PHILIPPINES
    UBPHPHMM

  • UNITED COCONUT PLANTERS BANK (UCPB)
    UCPBPHMM

ACTIVITIES AND TOURS IN MANILA


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List of Philippine Banks Swift Code/BIC (Meaning & How To Use)


Owning a home is a significant life goal, and Security Bank understands your aspirations.



With their flexible and accessible housing loan options, your dream home is within reach. Here's a comprehensive guide to help you navigate the process of securing a Security Bank Housing Loan.


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

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Security Bank Home Loan Features


Loan Amount: Starting from ₱1 million up to 90% of the property’s appraised value, capped at ₱10 million.

Interest Rates: Competitive rates tailored to your financial capacity.

Loan Term: Enjoy a comfortable repayment period of up to 25 years.

Quick Approval: Experience swift approval within ten banking days, subject to document submission.

Versatile Use: Utilize the loan for various purposes, including purchasing a house and lot, vacant lot, or condominium unit. It can also fund home construction, renovation, or refinancing.



Eligibility Criteria

To apply for a Security Bank Housing Loan, you need to meet the following criteria:

  • Age: Between 21 to 65 years old upon loan maturity.
  • Income: Demonstrate a combined monthly income of ₱50,000, reflecting your financial stability.
  • Employment: Maintain continuous employment for at least two years. For self-employed individuals, the business must be legitimate and profitable for the past three years.




Required Documents

To ensure a hassle-free application process, please make sure to bring all the necessary requirements listed below:

1. Home Loan Online Application Form

2. List of Required Documents

3. Special Power of Attorney (SPA)

4. Authorization Letter Template for Property Collateral Verification and Tax Mapping


For Locally-Employed Borrowers


  • Filled out and signed application form
  • Clear copy of one valid ID (photo-bearing government-issued) of borrower/spouse/co-borrower/ signatories of the loan
  • Any ONE of the following income documents:
  • Latest Certificate of Employment and Compensation
  • Latest Income Tax Return
  • Latest 3 months Payslips
  • Latest 3 months Bank Statements

Note: to credit commission income, kindly submit latest 6 months payslips

  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents



For Self-Employed Borrowers


  • Filled out and signed application form
  • Clear copy of one valid ID (photo-bearing government-issued) of borrower/spouse/co-borrower/ signatories of the loan
  • Income Tax Return (1701 for sole proprietary owner; or 1702 for Corporation)
  • Any ONE of the following income documents:
  • Audited Financial Statements (Latest 1 year)
  • Bank statements (Latest 3 months)
  • Lease/Rental Contracts

Note: For licensed Real Estate brokers and licensed Insurance brokers, kindly submit the latest 12 months' proof of income to credit commission-based income

  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents


For Corporate Borrowers


  • Filled out and signed application form
  • Company profile: background, owners, key officers
  • SEC Registration and General Information Sheet
  • Bank Statements (latest 3 months)
  • Income Tax Return (1702 for Corporation) with Audited Financial Statements for the past 3 years
  • Suppliers' contact info (with average monthly transactions)
  • Customer’s contact info (with average monthly transactions)
  • Authorization letter (for bank, business, and trade checkings)
  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents


For OFW Borrowers


  • Filled out and signed application form
  • Clear copy of one valid ID (photo-bearing government-issued) of borrower/spouse/co-borrower/ signatories of the loan
  • Any ONE of the following income documents:
  • Certificate of Employment with compensation (issued within the last 6 months)
  • Latest Crew Contract (for seafarer/seaman)
  • Latest Employment Contract (for land-based OFWs)
  • Allotment Slip
  • Latest 3 months payslip; OR bank statement for past 3 months

Note: For OFWs hired directly abroad, any TWO income documents are required

  • Consularized Special Power of Attorney is needed if with attorney in fact
  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents



Collateral Document Requirements


  • Copy of collateral title (TCT/CTC)
  • Copy of Tax Declaration on land and/or improvement
  • Signed Authority to Inspect and Verify (bank form)
  • Appraisal Fee paid to SBC: OR Number
  • Acquisition from Accredited Developer

Contract to Sell; or Reservation Agreement


  • Home Construction or Renovation


Bill of Materials and Estimates of Construction and Labor Costs


  • Floor and Building Plan and Building Specifications
  • Loan take-out/ Home equity


Proof of amortization payments for the last 3 months


  • Statement of Account from Mortgagee Bank



How to Apply for Security Bank Home Loan

Begin your journey to your new home easily, by following these 8 easy steps!

1. Apply through our official channels:

  • Online via our official website, click Home Loan Application

  • At the branch. Just download and complete the Home Loan application Form and submit it with the requirements at a branch near you.

2. Wait for the approval sent via SMS or your registered email address.

3. Confirm your loan approval details via email.

4. Sign the necessary loan documents.

5. Set up your Security Bank account to pay your monthly amortization.

6. Pay any necessary bank charges

7. Submit the required documents for the loan release.

8. Move into your new home.



ATTRACTIONS TO SEE IN MANILA 

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By fulfilling these requirements, you're well on your way to securing a Security Bank Housing Loan tailored to your needs. With Security Bank's support, your dream home is no longer a distant vision but a tangible reality waiting to be embraced.

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


Security Bank Home Loan FAQs (Frequently Asked Questions)


What are the Interest Rates?

Enjoy terms that will make you feel at home with low interest rates starting at 7.00% fixed for 1 year.

 1 Year3 Years5 Years
Regular Home Loan7.00%7.25%7.75%
Home Equity Loan8.00%8.25%8.75%

How much can I borrow?


Your loanable amount, or the amount you can borrow is a percentage (%) of the property’s appraised value.

  • Up to 90% of selling price – if acquisition (primary use) from top-tier developers

  • Up to 80% of appraised value - if acquisition (primary use) from individual seller or non-top tier developers

  • Up to 60% of the selling price or appraised value – for investment/secondary home or if loan purpose is Home Equity and acquisition of a vacant lot



What are the loan terms available?


The minimum term is 1 year, while the maximum tenor will depend on the type of property you are purchasing:

  • For house and lot, the maximum term is 25 years.
  • For townhouse or duplex, the maximum term is 20 years.
  • For residential vacant lot or condominium unit, the maximum term is 15 years.


How can I pay for my loan?


Your loan amortization will be collected via an Auto Debit Arrangement (ADA) using a Security Bank account. 

To nominate an existing Security Bank account, you can download the ADA enrollment form and submit it to the nearest Security Bank branch. If you don’t have an account yet, the branch can assist you in opening one.


How are my payments / amortization collected?


The first loan amortization will be collected a month after your loan is released and will continue to be collected every month until the end of your loan term.

Please be aware that the loan amortization amount will change subject to the rate applied at repricing (after your fixed period).


What are the fees and charges that I have to pay?


  • Appraisal Fee: PHP3,500 within Metro Manila, PHP4,000 outside Metro Manila

  • Amendment Fee:

    • PHP3,500 - For any changes to the loan terms and conditions after the loan has been booked OR for any changes on HLPM-approved accounts after documentation
    • PHP5,000 - For any changes in broker code, subject to approval

  • Other fees and charges: Estimated 2.5% to 3% of the approved Loan Amount

  • Real Estate Mortgage Fees

  • Mortgage Redemption Insurance

  • Fire Insurance/ Construction All Risk



Your Complete Guide to Security Bank Housing Loan: Unlock Your Dream Home


Securing a home is a significant milestone for many Filipinos, and with the availability of housing loans, this dream has become more achievable than ever before.



In the Philippines, numerous financial institutions offer a variety of housing loan options tailored to meet the diverse needs of potential homeowners. Whether you're a first-time buyer or looking to invest in a new property, understanding the housing loan landscape is essential.


This comprehensive guide will walk you through the key aspects of housing loans in the Philippines.

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

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Understanding Housing Loans

A housing loan, also known as a home loan or mortgage, is a type of loan specifically designed to help individuals or families purchase real estate. These loans often cover a portion of the property's total cost, allowing buyers to make a down payment and repay the borrowed amount, including interest, over an agreed-upon period.


Types of Housing Loans


  • Home Purchase Loan: This type of loan assists buyers in acquiring a new house or condominium unit.

  • Home Construction Loan: Designed for those planning to build a house on their lot, this loan provides funds in stages as the construction progresses.

  • Home Renovation Loan: Aimed at homeowners looking to renovate or upgrade their existing properties.

  • Home Equity Loan: Allows homeowners to leverage the equity in their property, using it as collateral for a loan.

  • Refinancing Loan: Enables borrowers to pay off an existing housing loan with a new loan, often to secure better terms or lower interest rates.


Key Considerations for Housing Loans


Interest Rates

Housing loans come with fixed or variable interest rates. Fixed rates remain constant throughout the loan tenure, providing predictability, while variable rates can fluctuate based on market conditions.


Loan-to-Value Ratio (LTV)

LTV ratio represents the percentage of the property's appraised value that the lender is willing to finance. A lower LTV may require a larger down payment.


Loan Terms

The loan term refers to the duration within which the borrower must repay the loan. Shorter terms result in higher monthly payments but lower overall interest costs, while longer terms offer lower monthly payments but higher total interest.


Eligibility Criteria

Lenders establish specific eligibility criteria, including age, employment status, minimum income, and creditworthiness.


Required Documents

Applicants must provide various documents such as proof of identity, income documents, property details, and financial statements.


Choosing the Right Lender

When selecting a lender, it's crucial to compare interest rates, loan terms, and additional fees. Additionally, consider the lender's reputation, customer service, and responsiveness to inquiries.


1. BPI Housing Loan


Nowadays, you can acquire a brand new house and lot even if you don’t have a huge amount of money. That can happen through housing loans offered by several banks including the BPI.

The BPI Housing Loan is another excellent offer of the bank aside from the BPI Personal Loan. Under the former, you can apply for an opportunity to buy your own house and ditch away the rent.


BPI Home Loan Rates and Features

  • Minimum loan amount: ₱400,000

  • Maximum loanable amount: Up to 90% of the property’s price

  • Interest rate:

    • 6.25% for one-year and two-year fixing
    • 6.75% for three-year fixing
    • 7.25% for four-year or five-year fixing
    • 9.50% for 10-year fixing
    • 10.50% for 15-year fixing
    • 12% for 20-year fixing

  • Maximum loan term: Up to 20 years

  • Eligible purposes for the loan: 

    • New home purchase
    • House construction
    • Renovation
    • Property Equity Loan

To apply and to know more, visit my guide on How To Apply For BPI Housing Loan Online


2. RCBC Home Loan


Aside from the banks personal loan, RCBC offers the lowest minimum loan amount on this list. This is particularly useful if you plan to borrow just a fraction of the home’s price tag and repay the loan as quickly as possible.


RCBC Home Loan Features

  • Minimum loan amount: ₱300,000

  • Interest rate: 6.88% to 11% depending on the term

  • Loan term: Up to 20 years

  • Fixing option of one to 20 years

  • Can be used for the purchase of a house and lot, vacant lot, and home renovation

  • Can also serve as a multi-purpose loan or for home loan refinancing




3. Metrobank Home Loan


Metrobank offers the flexibility to borrow up to 80% of the property's selling price, making it a great choice for individuals with limited down payment funds. This program caters not just to first-time homebuyers; if you're considering your second home, Metrobank's package stands out as one of the top housing loan options in the Philippines. What sets it apart is its unique feature that enables you to leverage your existing property as collateral to acquire a new real estate asset.


Metrobank Home Loan Features

  • Minimum loan amount: ₱500,000

  • Maximum loanable amount: Up to 80% of the property’s price

  • Interest rate:

    • 7.75% for one-year fixing
    • 8% for two-year fixing
    • 8.50% for three-year fixing
    • 8.75% for four-year or five-year fixing

  • Maximum loan term: Up to 25 years

  • Eligible purposes for the loan:

    • Lot purchase
    • House construction
    • Second home acquisition using the existing property as collateral
    • Reimbursement
    • Refinancing
    • Home upgrades

Visit Metrobank Home Loan Guide to know more!


4. UnionBank Home Loan


If you’re looking to get a home loan from a bank that’s well-recognized in the Asian market, UnionBank may be the right choice for you.


It’s also easy to get a UnionBank home loan with its wide range of accredited real estate developers. If you’re buying from any of its accredited developers, like Avida, Ayala, Camella, Filinvest, Megaworld, or SMDC, you can apply for a UnionBank housing loan as long as you satisfy the bank’s requirements.


UnionBank Home Loan Features

  • Minimum loan amount: ₱500,000

  • Maximum loan amount: 90% of the property’s appraised value

  • Interest rates: 6% to 11%

  • Loan term: One to 20 years

  • Allows 10% to 99% down payment

  • Can be used for the purchase of a lot, house and lot, or condominium, house construction, refinancing, or home renovation

  • Quick approval time

Go to UnionBank Home Loan Guide to see the requirements and application process!



5. PNB Housing Loan


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 housing loan rates and terms in the Philippines, allowing you to own your dream home at a price you can afford.


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

  • Accredited home developers: Eton, Ayala, Filinvest, Robinsons, Arthaland, Megaworld, SMDC, DMCI, Vista Land, Shang Properties

To apply and to know more, visit my guide on How To Apply For PNB Housing Loan


6. Security Bank Housing Loan


Securing your dream home is made easier with Security Bank’s housing loan options. Whether you're planning to buy a new house, construct your dream home, or refinance your existing property, Security Bank offers competitive loan features to cater to your needs.


Security Bank Housing Loan Features

  • Minimum loan amount: ₱1 million 

  • Maximum loan amount: 90% of the property’s appraised value, up to ₱10 million

  • Loan term: Up to 25 years

  • Quick approval time of ten banking days, depending on submitted documents

  • Can be used for the purchase of a house and lot, vacant lot, or condominium unit

  • Can also be used for home construction, renovation, or refinancing

Check requirements and application process for Security Bank Housing Loan


ATTRACTIONS TO SEE IN MANILA 

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7. HSBC Home Mortgage Loan


Wondering why HSBC offers one of the best housing loans in the Philippines? Homeowners who need more funds to purchase property in expensive areas turn to global banks like HSBC because they offer home mortgage loans of up to ₱50 million. 


HSBC Home Mortgage Loan Features

  • Minimum loan amount:  ₱700,000

  • Maximum loan amount: ₱50,000,000

  • Interest rate: 4.99% to 6.29%

  • Loan-to-value ratio (LTV): 60% to 80% maximum of the appraised value or selling price of the collateral or property, whichever is lower

  • Loan term:

    • 12 months up to 10 years
    • Or up to client's age of 65 upon loan maturity, whichever is earlier

  • Acceptable property types:

    • House and lot
    • Condominium
    • Townhouse
    • Vacant lot (for a residential house)
    • Pre-sell residential properties of accredited developers

  • Flexible repayment schemes

  • An array of interest-rate fixing options for new loans and repricing

Learn more about HSBC Home Loans


8. China Bank HomePlus Loan


With flexible repayment terms and multi-purpose loans, China Bank makes a great pick for first-time home buyers. You can have your interest rate fixed for one, five, or ten years.


China Bank HomePlus Loan Features

  • Minimum loan amount: ₱500,000

  • Interest rates:

    • 5.50% for one-year fixing
    • 6.25% for two-year and three-year fixing
    • 7.25% for four-year and five-year fixing

  • Loan terms:

    • Condo units - up to 15 years
    • Vacant lots - up to 10 years
    • House and lot - up to 20 years

  • Quick processing

  • Can be used for the purchase of different real estate properties, house construction, refinancing, and reimbursement

  • Easy repayment via automatic debit arrangement

  • No hidden charges

If you think this fits your needs, here's how to apply for China Bank HomePlus Loan


9. Maybanks MaxiHome Loan


Maybank’s MaxiHome Loan is recognized for offering unique financing options that depend on the borrower’s purpose. They have options for home acquisition, home construction, home equity, and home loan refinancing. Simply put, applying for a MaxiHome Loan lets you own a new address, be it a house, a condominium, a townhouse, or a lot.


Maybank MaxiHome Home Loan Features

  • Minimum loan amount: ₱500,000

  • Interest rate:

    • 6.75% for one-year fixing
    • 7.25% for three-year fixing
    • 7.50% for five-year fixing

  • Maximum loan term: 20 years

  • All properties are subject to appraisal. Appraisal fee is non-refundable

  • Loan accounts are subject to Life/Mortgage Redemption Insurance (MRI) and Fire Insurance (FI) coverage


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10. AUB Preferred Home Loan


The bank describes its home loan services as “personalized,” which means you can expect it to provide sound advice regarding your plans. New home buyers will certainly benefit from this service. On top of that, AUB offers an interest rate cap on its home loan, which may protect you from rising interest rates in the future.


AUB Preferred Home Loan Features

  • Minimum loan amount: ₱1 million

  • Maximum loan amount: Up to 80% of the appraised property value

  • Interest rates:

    • 6% fixed for one year
    • 6.5% fixed for three years
    • 7% fixed for five years

  • Loan term: Up to 20 years

  • Easy repayment through auto-debit arrangement

  • Home Rate Protect that puts an interest rate cap of 9% on home loans


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

Build Your Own House With Best Home Loans in the Philippines

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