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)