Philippines

Housing Loan Application 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)
Avail of hassle-free loans services.

PNB is OPEN this Holy Week

Selected branches are open on April 17, 18, 19, and 20, 2014. Click here to download list of selected branches.

Extended Banking Hours for Income Tax Returns/Payments


Philippine National Bank (PNB) will open some of its branches on April 5 and 12 to process the Income Tax Returns or Payments. PNB will also extend the banking hours of selected branches up to 5:00 PM from April 1 to 15 to address the expected increase in bank transactions.



Deposit Board Rates

Please be advised of the changes in deposit board rates of Dollar Time Deposit and Prime Savings account. The changes shall take effect on January 1, 2014.


Fees and Charges

Please be advised of changes in our fees/charges & maintaining balance requirements given the need to align the same following the merger of PNB and Allied Bank last February 2013. The changes as applicable shall take effect on January 1, 2014.

Internet Banking

To Our Valued Clients,

PNB Internet Banking will launch an enhanced security feature to provide added protection for your online transactions:

• You will be provided with an Online Activation Code via SMS and e-Mail when you enroll in our Internet Banking facility

• You will also receive SMS notifications whenever you do the following:
- Enroll your Third Party Accounts
- Change your profile details (password, e-Mail address, mobile nos. etc)
- Make an immediate Fund Transfer to Third Party accounts

Please make sure that your mobile number in your Internet Banking profile is updated in order to receive these notifications.

Bank Merger

As PNB and Allied Bank continue to align their services. We are pleased to announce that PNB branches that display the interbranch transaction advisory are now capable of processing selected transactions for former Allied Bank clients. Please proceed directly to the special lanes designated for Allied Bank transactions.

Amendments in the PNB UITF's

Effective October 1, 2013, the product features of various PNB UITF's will be amended. For more details, please click this here

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