Submit complete requirements together with the application form to your nearest PNB Branch
I am a Filipino working abroad, can I apply for a housing loan?
Yes. You may opt to submit your loan application form and requirements at our PNB Branches outside the Philippines (please refer to our list of PNB Branches) or at any PNB Branch in the Philippines.
If applying in the Philippines, you should have a co-borrower based in the Philippines.
What fees do I have to pay?
An application/appraisal fee has to be paid upon submission of the application form & complete requirements
Upon approval of the loan the following loan charges will be charged:
Mortgage Registration fee
Processing Fee
Mortgage Redemption Insurance Premium
Fire/ Lightning/ Earthquake Insurance Premium (for collateral with improvements)
I am formerly a Filipino citizen and now a citizen of another country, can I still apply for a housing loan?
Yes.
I am a Filipino relying mainly on a foreigner-spouse, can I still apply for a housing loan?
Yes, but your spouse’ income should come from employment here in the Philippines.
On a case to case basis, if based abroad, we should be able to verify the submitted proof of income via our overseas offices. Income considered is only from employment.
I am separated, can I apply for a housing loan?
If you are legally separated and can submit certificate of finality of court decision of your separation, we can process the loan without requiring your estranged spouse to sign on all loan documents. However, if you are not legally separated, your estranged spouse has to sign on all the loan documents
If I am applying for a construction loan, how will it be released to me?
For construction loan and major home improvement, the release is on a staggered basis. The loan release will be in accordance with the required percentage completion of the building. Construction period is only for one (1) year, otherwise, the Bank has the option to call your loan due and demandable
Member: PDIC and BancNet Maximum Deposit Insurance for each depositor P500,000
Philippine National Bank is regulated by the Bangko Sentral ng Pilipinas (BSP). For inquiries and feedback, you may contact our 24-Hour Customer Care at (+632) 573-8888 or send an email to customercare@pnb.com.ph. You may also call the BSP Financial Consumer Protection Department at 708-7087 or send an email to consumeraffairs@bsp.gov.ph.
The materials on this website are the property of the Philippine National Bank and are protected by copyright and intellectual property laws. “PNB”, “Philippine National Bank”, “You First”, and its related trademarks are registered trademarks owned by the Philippine National Bank.
No part of the website may be used without written permission from the owner or authorized licensee. Unless stated otherwise, visitors may access and download materials located on the website only for personal, non-commercial use.
