• Purchase of Lot, House & Lot, Condominium, Townhouse
• House Construction, Home Improvement
• Refinancing / Take-out of existing loans

• Filipino citizens
• Natural-born Filipinos who have lost their Filipino citizenship, but up to a maximum lot area of 1,000 sq.m. only
• Borrower must be at least 21 years of age and must not be more than 65 yrs. of age upon loan maturity
• Salaried or self-employed with a minimum monthly income of P30K

• For Lot purchase / Home Improvement - up to 10 yrs.
• For purchase of House & Lot, Townhouse,
  Condominium & House Construction - up to 20 yrs.

• Real Estate property to be financed

• Actual Need
• Paying capacity (only 30% of gross monthly income can be used as amortization)
• 80% of the appraised value of the property for house & lot, townhouse (if property is the primary residence of the borrower and appraised value is not more than P5.0MM, otherwise, 60% will be used)
• 60% of the appraised value of the property for lot, condominium

Minimum

• P750K for purchase of house & lot, townhouse & condominium - within Metro Manila; P500K - other areas outside Metro Manila
• P500K for purchase of lot within Metro Manila; P200K – other areas outside Metro Manila

• 9.25% fixed for 1 year
• 9.75% fixed for 2 years
• 9.75% fixed for 3 years
• 9.75% fixed for 5 years
• 11.00% fixed for 10 years
• 11.50% fixed for 15 years
• 11.75% fixed for 20 years
  

• Lumpsum for loans to purchase a lot, house and lot, condominium, or townhouse
• Staggered for loans to construct a house or for home improvement:
  • Maximum of four(4) releases
  • Only interest payment is required during the construction period & is deducted from the second to last release
  • Final release upon 90% completion of construction whereby all loan releases are consolidated into one promissory note

• Monthly Principal and Interest which shall be adjusted upward or downward depending on the interest rate to be charged for a particular interest period
• Payments can be made via Automatic Debit Arrangement or Post Dated Checks