Home Loan Application Assistance

Bank financing can be a time-consuming, tedious and daunting process, especially when applying for the first time. Countless paperworks need to be completed and endless requirements have to be secured and submitted.

Let us cut the legwork for you and remove the hassle. Take comfort in knowing that professionals are handling your application for you, giving you higher chances of approval on your loan application. We are accredited by numerous major banks in the country that offer home loans.


Interest Rates

1 year – 5.50% per annum
2 to 3 years – 6.50% per annum
4 to 5 years – 6.88% per annum
6 to 10 years – 8.50% per annum
11 to 15 years – 11.00% per annum
16 to 20 years – 11.50% per annum

Note: Prevailing bank rates apply at time of loan availment.



  • Filipino citizen or foreigner (see Visa requirements)
  • At least 21 years old but not exceeding 65 years old upon loan maturity
  • Minimum gross family income of PhP 50,000/month.
  • Stable source of income from employment or business

-If employed, at least 2 years with current company
-If self-employed, at least 2 consecutive successful and profitable years of operation.

Basic Documents

  • Properly filled out Bank Application Form

-If married, both spouses to sign on the application form

-If with co-borrower or co-mortgagor, separate application form is needed

  • Clear copy of two (2) valid IDs matching application details
  • Original copy of Certificate of No Marriage (CENOMAR), if single or copy of Marriage Contract, if married
  • Special Power of Attorney (if borrower is working or residing abroad)
  • For foreigners, photocopy of Alien Certificate of Registration (ACR) showing Visa status as permanent immigrant or Alient Employment Permit (AEP) or Visa ID

Income Documents

If locally employed

  • Latest Income Tax Return (ITR) or W2
  • Latest 3 months payslips or Certificate of Employment with salary breakdown

If employed abroad

  • Latest 3 months proof of remittance, or
  • Latest 3 months payslip, or
  • Certificate of Employment or Employment Contract duly autheticated by Philippine Consulate Office, or
  • For seamen, latest Crew Contract and employment history or Crew Contract and Exit Pass from POEA

If self-employed

  • Business Registration Papers (Certificate of Registration from DTI or SEC, Articles of Partnership or Articles of Incorporation, whichever is applicable)
  • Latest Audited Financial Statements for the last 2 years with lastest ITR
  • Bank Statements (latest consecutive 3 months)
  • Trade References: List of Suppliers and Customers (at least 3 each) or List of Affliated Hospitals/Clinics (for doctors)
  • Lease Contracts and copy of title (for income derived from rental)

Types of Acceptable Visa for Foreigners

  • Quota or Non-Quota Immigrant Visa:
  • Alien spouse of a Filipino citizen (Sec 13A Visa)
  • Natural-born Filipinos married to an Alien (Sec 13D Visa)
  • Returning Resident (Section 13E Visa)
  • Natural-born Filipinos naturalized in foreign country (Sec 13G Visa)
  • Photocopy of Special Retiree’s Resident Visa (SRRV) or Quota/Preference Immigrant Visa
  • Permanent Resident Status and working Visa granted by Subic Bay Metropolitan Authority (SBMA)
  • Working Visa issued to Embassy Officials


  • Appraisal Fee (PhP 3,500*)
  • Handling Fee (PhP 5,000*)
  • Notarial Fee (PhP 500*)
  • Registration Fee (based on loan amount)
  • Documentary Stamp Tax (PhP 1* for every PhP 200 of the loan amount)
  • Mortgage Redemption Insurance Premium (MRI) (PhP 4.75* for every PhP 1,000 of the loan amount)
  • Fire Insurance Premium (Based on appraised value of improvement)

NOTE: All fees are payable to the bank.

* Subject to change without prior notice.