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*For non-Filipinos, purchase is limited to condominium with maximum term of 10 years.
*Minimum loan amount is Php500,000.00

Monthly Payment

Required monthly net income (if employed)*

Required monthly net income (from Business)*

*Rates are subject to change without prior notice.
Interest rates and foreign currency rates are indicative only and for illustration purposes. Rates may change at time of loan booking.

Requirements

  • Singapore issued Identification Card
  • Passport
  • Latest passport size picture
  • Latest two (2) years Income Tax Return (ITR)
  • Pay slip for the last two (2) months
  • Certificate of Employment stating salary rate
  • Credit Bureau Report from Credit Bureau Singapore
  • Copy of Contract to Sell (notarized)
  • Bill of materials and estimates of construction and labor

Requirements



  • Singapore issued Identification Card
  • Passport
  • Latest passport size picture


  • Latest two (2) years Income Tax Return (ITR)
  • Pay slip for the last two (2) months
  • Certificate of Employment stating salary rate


  • Credit Bureau Report from Credit Bureau Singapore
  • Copy of Contract to Sell (Notarized)
  • Bill of materials and estimates of construction and labor

Why should I apply for OPHL?

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

Why should I apply for OPHL?

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

Partner Developers

More than 300 accredited developers within the Philippines

Partner Developers

More than 300 accredited developers within the Philippines

Contact Us

304 Orchard Rd #03-02 to 07 Lucky Plaza Shopping Centre, Singapore 238863
67374646 (office)
98249014 (mobile)
(9am-7:30pm, except weekends and holidays)

Contact Us



304 Orchard Rd #03-02 to 07 Lucky Plaza Shopping Centre, Singapore 238863


67374646 (office)
98249014 (mobile)
(9am-7:30pm, except weekends and holidays)


Frequently Asked Questions

Frequently Asked Questions


No attorney-in-fact
No remittance charges needed
Loan payment in USD/SGD (booking in PNB SG in USD terms)

Loanable Amount for Filipinos:

Up to 80% of selling price or CTS for properties from accredited developers
Up to 80% of appraised value the property for loan of house and lot
Up to 80% of appraised value of bills of construction materials if purpose of loan is for house construction
Up to 60% of appraised value of lot if loan is purchased of lot only
Subject to Buyer’s Capacity to Pay (BCP) whichever is lower

Loanable Amount for Foreigners:

Up to 70% of selling price or CTS for properties from accredited developers
Up to 70% of appraised value the property for loan of house and lot
Up to 70% of appraised value of bills of construction materials if purpose of loan is for house construction
Up to 60% of appraised value of lot if loan is purchased of lot only
Subject to Buyer’s Capacity to Pay (BCP) whichever is lower



Eligibility
  • Filipinos residing and working in Singapore
  • Applicant/s must have worked in Singapore for at least three (3) years
  • Natural-born Filipinos residing and working in Singapore who have lost their Filipino citizenship (limited to the purchase of up to a maximum lot area of 1,000 sqm only).
  • Foreigners, but limited to the acquisition of condominium units only.
  • Borrower’s gross annual salary should be at least SGD 48,000.00
  • Total Debt Servicing Ratio must not exceed 60% of Gross Monthly Income
  • Maximum Loanable Amount is 80% of selling price for properties acquired from accredited developers or appraised value and 70% for non-Filipinos.
  • Property must be located in any key areas in the Philippines


On Applicant:
  • Singapore issued Identification Card
  • Passport
  • Latest two (2) years Income Tax Return (ITR) from the Inland Revenue of Singapore (IRAS)
  • Pay slip for the last two (2) months
  • Certificate of Employment stating salary rate, position and length of employment
  • Bank Deposit Statements and Loan Account(s) Statement (ie Housing, Vehicle, Credit Cards, Cash/Personal Loans with outstanding balance (if applicable) for the last three (3) months
  • Marriage Contract (if applicable)
  • Latest Passport size picture
  • Credit Bureau Report from Credit Bureau Singapore. log on to www.creditbureau.com.sg (yearly submission)
  • Duly filled-up OPHL Application For
  • A non-refundable processing fee of USD150.00 will be collected once the processing of the loan application starts
Acquisition from accredited developers:
  • Copy of Contract to Sell(Notarized)
House construction or renovation:
  • Bill of materials and estimates of construction and labor cost and floor and building plan and building specifications signed by Civil Engineer or Architect





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).