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Monthly Payment

Required monthly net income (if employed)*

Required monthly net income (from Business)*

*Rates are subject to change without prior notice.

Requirements

  • One passport size picture (husband and wife)
  • Photocopy of Passport
  • Photocopy of Residence Card (non-Japanese)
  • Original Certificate of Employment
  • Proof of Income for the past two (2) years
  • Photocopy of latest pay slips (for 3 months)
  • Residence Certificate (Jyumin-hyo)
  • Photocopy of the Transfer Certificate (TCT)
  • Photocopy of latest tax declaration

Requirements



  • One passport size picture (husband and wife)
  • Photocopy of Passport
  • Photocopy of Residence Card (non-Japanese)


  • Original Certificate of Employment
  • Proof of Income for the past two (2) years
  • Photocopy of latest pay slips (for 3 months)


  • Residence Certificate (Jyumin-hyo)
  • Photocopy of the Transfer Certificate (TCT)
  • Photocopy of latest tax declaration

Why should I apply for OPHL?

Apply and manage your loan from Japan
The only institution who can pay your purchased property in the Philippines
Open to Filipinos, Locals, and Foreigners working in Japan

Why should I apply for OPHL?

Apply and manage your loan from Japan
The only institution who can pay your purchased property in the Philippines
Open to Filipinos, Locals, and Foreigners working in Japan

Partner Developers

More than 300 accredited developers within the Philippines

Partner Developers

More than 300 accredited developers within the Philippines

Contact Us

Mita43MT Building 1F, 3-13-16 Mita, Minato-ku, Tokyo 108-0073 Japan
090-6073-5023 (Filipino)
090-2167-6243 (Filipino)
090-6073-5012 (Japanese)
(9am-5:45pm, except weekends and holidays)

Contact Us



Mita43MT Building 1F, 3-13-16 Mita, Minato-ku, Tokyo 108-0073 Japan


090-6073-5023 (Filipino)
090-2167-6243 (Filipino)
090-6073-5012 (Japanese)
(9am-5:45pm, except weekends and holidays)


Frequently Asked Questions

Frequently Asked Questions

The Own a Philippine Home Loan Program is a financing program unique to PNB. It allows Filipinos and non-Filipinos residing and working in Japan an easy way to obtain a bank financing of residential and or investment of real estate in the Philippines.
Proceeds of the loan will be released directly to the Seller/Developer in Philippine Pesos while, monthly loan payments by borrowers will be in Japanese Yen.
Loan Purpose

Purchase of Lot, House & Lot, Condominium, Townhouse or Rowhouse
House Construction or Home Improvement
Refinancing of a Philippine Peso home mortgage loan
Reimbursement of Acquisition or Construction Cost


  • Filipinos in Japan with working, long-term/permanent residence, during mission, Investors/Business Managers, designated activities visas and who are gainfully employed;
  • Filipino spouses of Japanese and other nationalities, (Spouses should both be the borrowers);
  • Japanese and other nationalities working in Japan. (Subject to restrictions on foreign ownership of Philippine property


  • Accomplished Loan Application
  • One Passport size picture of borrowers (husband & wife)/co-borrowers
  • Photocopy of Passport
  • Photocopy of Residence Card (Non-Japanese)
  • Photocopy of Driver’s License or Health Insurance (Japanese)
  • Photocopy of “MY NUMBER” Card or Notice
  • Original certificate of employment indicating the date of commencement of employment, present salary and position. If self-employed, original Business Registration Certificate (issued not more than 6 months).
  • Proof of Income for the past two (2) years such as Withholding Tax Certificate (Gensenchoshuhyo) or Taxation Certificate (Kazeishoumeisho) or Income Tax Return (Kakuteishinkoku), if self-employed
  • Photocopy of Latest Pay Slips (for 3 months)
  • Marriage Certificate (Koseki-tohon) (issued not more than 3 months)
  • Residence Certificate (Jyumin-hyo) (all family members and issued not more than 3 months)
For House Construction and Improvements:
  • Photocopy of the Transfer Certificate (TCT) or Condominium Certificate Title (CCT)
  • Location Plan/Vicinity Map certified by a Geodetic Engineer
  • Photocopy of latest tax declaration, current real estate tax receipt & tax clearance
  • Building plan specifications duly signed by Civil Engineer or Architect
  • Bill of materials or Construction Cost Estimate duly signed By Civil Engineer of Architect
  • Duly approved building remodeling or building permit
For Purchase of Property:
  • Photocopy of the Transfer Certificate (TCT) or Condominium Certificate Title (CCT)
  • Location Plan/Vicinity Map certified by a Geodetic Engineer
  • Photocopy of latest tax declaration, current real estate tax receipt & tax clearance
  • Contract To Sell with Statement of Account or Reservation Agreement or Conditional Deed of Sale
***For Accredited Developers or Projects:
  • Contract To Sell with Statement of Account or Reservation Agreement or Conditional Deed of Sale
NOTE: Additional documents may be required to facilitate processing of the loan application. Processing will only commence upon submission of complete documentary requirements.





Customer Care Contacts
Cards Hotline
(+632) 8818 9818
Bank Hotline
(+632) 8573 8888
Cards Email: pnbcreditcards@​pnb.com.ph
Bank Email: customercare@​pnb.com.ph
Follow Us
                
Download our App
  
Address: Philippine National Bank Financial Center Pres. Diosdado Macapagal Boulevard, Pasay City, Philippines 1300
Trunkline: (+632) 8526 3131 to 70; (+632) 8891 6040 to 70

Deposits are insured by PDIC up to P500,000 per depositor.
PNB is regulated by the Bangko Sentral ng Pilipinas
BSP Financial Consumer Protection Dept. Consumer Affairs Email: consumeraffairs@bsp.gov.ph
Access BSP Online Buddy (BOB) via Webchat, Facebook, and SMS 021582277 (for Globe subscribers).






Properties for Sale











Customer Care Contacts
Cards Hotline
(+632) 8818 9818
Bank Hotline
(+632) 8573 8888
Cards Email: pnbcreditcards@​pnb.com.ph
Bank Email: customercare@​pnb.com.ph
Follow Us
                
Download our App
  
Address: Philippine National Bank Financial Center Pres. Diosdado Macapagal Boulevard, Pasay City, Philippines 1300
Trunkline: (+632) 8526 3131 to 70; (+632) 8891 6040 to 70

Deposits are insured by PDIC up to P500,000 per depositor.
Philippine National Bank is regulated by the Bangko Sentral ng Pilipinas
BSP Financial Consumer Protection Dept. Consumer Affairs Email:
consumeraffairs@bsp.gov.ph
Access BSP Online Buddy (BOB) via Webchat, Facebook, and SMS 021582277 (for Globe subscribers).