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Pre-Processing Requirements
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Housing Loan Application Loan Application Form (duly accomplished)
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- If married, both spouses to sign on the application form
- If with co-borrower or co-mortgagor, separate application form is needed
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Income Document (depending on the type of occupation or source income, the following are to be submitted.
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- If Locally Employed (working within the Philippines)
- Certificate of Employment (COE) indicating salary, position and length of service
- Latest Income Tax Return (ITR)
- If Expat Pinoy (Overseas Filipino Worker)
- Crew Contract and Exit Pass from POEA (seaman)
- Contract / Certificate of Employment (COE) authenticated by Philippine Consulate (direct-hired)
- Income Tax Return (ITR)
- If Self-employed
- Business Name (DTI) or SEC Registration
- Articles of Incorporation and By-Laws with SEC Registration Certificate
- Financial Statements (3 years)
- Income Tax Return (3 years)
- List of Trade References (at least 3 names with telephone nos. of major suppliers/customers)
- Bank Statement (6 months)
- If Practicing Doctor
- Clinic address/es and schedule
- If from Commission
- Vouchers or Bank Statement (for the last 6 months reflecting commission income)
- If from Rental of Properties
- Rental/Lease Contract (indicating name of tenants and rental amounts with complete addresses of properties being rented)
- Photocopy of Title (TCT's)
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Collateral Documents
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- Two (2) sets of clear photocopy of TCT/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 licensed Geodetic Engineer
- Photocopy of Tax declaration / Tax receipts / Tax clearance
- For construction/renovation purposes:
- Building Plans (complete set)
- Bill of Materials / Specifications / Cost estimates
- Scope of Work (for renovation of P500,000 & below)
- Building Permit
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Refinancing of Loan
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- Official Receipts or Cleared Checks or Bank Statements where amortization payments are debited (last 6 months)
- Statement of Account from the other bank showing outstanding loan balance
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Appraisal Fee
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- PhP 3,000.00 ( Non-refundable and must be submitted with all the pre-processing requirements)
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