PNB’s Home Flexi Loan Program is designed to finance your asset acquisition and other personal-related expenditures borrowed against qualified/acceptable residential real estate properties. The proceeds of the loan may be used to address your needs:

  • Improvement of an existing residential home
  • Acquisition of furniture and fixtures and/or
  • home appliances
  • Equity payment for a residential property
  • Financing of travel & tour expenses
  • Acquisition of club shares
  • Other personal-related expenditures

Loan Limits

Minimum of Php 200,000 up to a maximum of Php 10,000,000 per borrower subject to credit policies and guidelines.


Residential real estate properties, preferably the primary home of the borrower, subject to acceptance based on the Bank’s policies on Real Estate offered as Collateral/Security.


Minimum term of one (1) year up to a maximum term of ten (10) years.

Competitive Rates, Personalized Terms

Rates are competitive. A variety of interest-rate setting schemes, loan tenor, and settlement/payment options are available.