Requirements

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Home Loan Requirements

Bank | Local

  1. 3 pcs. 1x1 ID Picture (husband | wife)
  2. Photocopy of 2 Valid Government ID's with 3 specimen signatures (husband | wife)
  3. Community Tax Certificate (Cedula)
  4. Birth Certificate (if single) | Marriage Contract (if married)
  5. Tax Identification Number (TIN)
  6. Latest Proof of Billing here in the Philippines (PLDT, Meralco, Globe, Smart, Sun, etc.)
  7. Income Tax Return (ITR)
  8. Complete Post Dated Checks for Equity and Amortization

Additional for Locally Employed

  1. Photocopy of Certificate of Employment
  2. 3 Consecutive Months Payslip (husband | wife)

Additional for Bussiness Owner

  1. Photocopy of Business ITR /Audit FS for the Past Two (2) Years.
  2. Business Permits and Licenses for the Current Year
  3. Photocopy of Certification of Registration Issued by DTI
  4. Copy of Lease Contract and Title for Rental / Lease Income

Bank | OFW

  1. 3 pcs. 1x1 ID Picture (husband | wife)
  2. Photocopy of 2 Valid Government ID's with 3 specimen signatures (husband | wife)
  3. Birth Certificate (if single) | Marriage Contract (if married)
  4. Tax Identification Number (TIN)
  5. Latest Proof of Billing here in the Philippines (PLDT, Meralco, Globe, Smart, Sun, etc.)
  6. Complete Post Dated Checks for Equity and Amortization

Additional Requirements for OFW

  1. Job Contract
  2. Photocopy of Passport with 3 signatures
  3. Special Power of Attorney (SPA) – forms provided upon Reservation (Consularized Copy)

Additional Requirements for the Attorney-In-Fact

  1. Valid ID
  2. 3 pcs. 1x1 ID Picture
  3. Community Tax Certificate (Cedula)

In-House | Local

  1. 3 pcs. 1x1 ID Picture (husband | wife)
  2. Photocopy of 2 Valid Government ID's with specimen 3 signatures (husband | wife)
  3. Community Tax Certificate (Cedula)
  4. Birth Certificate (if single) | Marriage Contract (if married)
  5. Tax Identification Number (TIN)
  6. Latest Proof of Income
  7. Complete Post Dated Checks for Equity and Amortization

In-House | OFW

  1. 3 pcs. 1x1 ID Picture (husband | wife)
  2. Photocopy of 2 Valid Government ID's with specimen 3 signatures (husband | wife)
  3. Birth Certificate (if single) | Marriage Contract (if married)
  4. Tax Identification Number (TIN)
  5. Latest Proof of Income
  6. Complete Post Dated Checks for Equity and Amortization

Additional Requirements for OFW

  1. Photocopy of Job Contract
  2. Photocopy of Passport

Additional Requirements for the Attorney-In-Fact

  1. Valid ID
  2. 3 pcs. 1x1 ID Picture
  3. Community Tax Certificate (Cedula)

Valid ID's

List of Valid Government ID’s 

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Barangay Certification
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) Card
  • Senior Citizen Card
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration/Immigrant Certificate of Registration
  • Government Office and GOCC ID, e.g. Armed forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • INTEGRATED BAR OF THE PHILIPPINES ID
  • COMPANY IDs ISSUED BY PRIVATE ENTITIES OR INSTITUTIONS REGISTERED WITH OR SUPERVISED OR REGULATED EITHER BY THE BSP,  SEC OR IC

Source for the Valid Government ID's : http://www.bsp.gov.ph/regulations/regulations.asp?type=1&id=2059

Specific Bank Requirements

When applying for a loan, banks has their basic eligibility and document application requirements. We have a list of 8 banks and their basic requirements to guide you with your housing loan application.

8 Banks and their Basic Requirements for a Housing Loan Application



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Edward Gonzaga