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HomePersonal BankingLoansHousing Loan Requirements

REQUIRED AT ALL TIMES

  • HOUSING LOAN APPLICATION FORM (duly accomplished)
  • Photocopy of 2 valid government issued ID's
  • Appraisal Fee of P3,500 - non-refundable
  • If with co-maker/co-borrower/attorney-in-fact, separate application form is needed

IF EMPLOYED:

INCOME DOCUMENTS

  • Photocopy of the latest Income Tax Return (ITR)
  • Certificate of Employment and Compensation
  • Alien Certificate of Registration (ACR) and Official Receipt (if resident alien)

Overseas Filipino Worker

  • Photocopy of Passport
  • Contract / Certificate of Employment (COE) approved by the POEA, if applicable, authenticated by the Philippine Consulate (if direct hired)
  • Proof of inward remittance thru PNB or other banks
  • Crew Contract and Exit Pass from POEA (for seafarers only)
  • PNB-prescribed Special Power of Attorney (SPA), if applicable
  • If SPA was executed and notarized abroad, such has to be authenticated by the Philippine Consulate

FOR THOSE BASED IN:

KINGDOM OF SAUDI ARABIA:

  1. The certificate of employment & salary should be stamped by the Saudi Chamber of Commerce; and
  2. Authenticated by the Philippine Consulate

USA & US TERRITORY:

  1. The certificate of employment & salary should be authenticated by the Phil. Consulate
  2. Loan applicant to fill-out the Bank’s Credit Information Authority and pay $50.00 for the Experian Report in PNB-Los Angeles Desk Office located at #3345 Wilshire Boulevard, Suite 200, Los Angeles, California 90010, USA
    Contact Nos.: 323-802-8001
    Telex No.: 6502253656
    Fax No.: 213-401-1803
    Contact Person: Rowena Tabuzo

EUROPE:

  1. The certificate of employment & salary should be authenticated by the Phil. Consulate
  2. Loan applicant to fill-out the Bank’s Credit Information Authority and pay L85 for the Equifax Report in PNB-Europe Desk Office located at G/F Old Change House, 128 Queen Victoria St., London, EC4V 4HR, United Kingdom
    Contact nos.: 207-3971-340/ 41; 377/397
    Telex Nos.: 883981/ 8812797
    Fax No.: 207-653-1403
    Contact Person: Gloria Alwis

JAPAN:

  • The certificate of employment & salary should be authenticated by the Phil. Consulate and should be with English Translation

FOR OTHER COUNTRIES / SEA - BASED:

  • Certificate of Employment & Salary authenticated by the Phil. Consulate
  • Proof of inward remittance thru PNB or other banks
  • Crew Contract and Exit Pass from POEA (for seamen only)

IF SELF-EMPLOYED:

  • SSS / GSIS / Driver’s License / PRC License
  • Business Name (DTI) or SEC Registration
  • Articles of Incorporation, By-Laws with SEC Registration Certificate and latest General Information Sheet if applicable
  • General Information Sheet
  • Financial Statements / Income Statement for the last 3 years
  • Photocopy of the Income Tax Return (ITR) for the last 3 years
  • List of Trade References (Suppliers / Customers)

PRACTICE OF PROFESSION:

  • Clinic Address/es, schedules and contact numbers (for doctors)
  • Bank Statements for the last six (6) months

IF FROM COMMISSION:

  • Vouchers or Bank Statements for the last six (6) months reflecting commission income

IF FROM RENTAL OF PROPERTIES:

  • Submit photocopy of Lease Contracts / TCT’s of Earning Properties
  • Bank Statement for the last six (6) months

IF FROM TRANSPORT BUSINESS:

  • OR / CR
  • LTFRB Franchise
  • Business paper / registration
  • ITR for the last two (2) years
  • Bank Statement for the last six (6) months

COLLATERAL DOCUMENTS

  • Two (2) sets of clear photocopy of TCT / OCT / CCT (all pages including blank pages with the book and page / volume number indicated on the front page)
  • Lot Plan with Location / Vicinity Map certified by a licensed Geodetic Engineer
  • Photocopy of the latest Tax Declaration / Realty Tax Receipts / Tax Clearance
  • Master Deed of Declaration & Restrictions (for Condominium)
  • For construction / renovation purposes:
    • Building Plans (complete set) duly signed by a Civil Engineer / Architect
    • Bill of Materials / Specifications / Cost Estimates duly certified by a Civil Engineer / Architect
    • Scope of Work (for renovation)
    • Building Permit
  • Deed of Absolute Sale or Contract to Sell (purchase of lot / house and lot)

FOR REFINANCING

  • Current Statement of Account
  • Official Receipt or cleared checks on amortization payments made or Passbook / Bank Statement where the monthly amortization payment is debited (at least 6 months)