Own a Philippine Home Loan or OPHL is a financing program unique to PNB. It allows Filipinos and non-Filipinos residing and working in Singapore an easy way to obtain a bank financing of residential properties in the Philippines.

OPHL is the most convenient and secured home loan with:


  • Purchase of residential lot, House & Lot, Condominium, Townhouse or Rowhouse
  • House Construction or Home Improvement
  • Reimbursement of acquisition or construction Cost
  • Refinancing / Loan take out of existing Philippine home loan
Eligible Borrowers
  • Filipinos residing and working in Singapore
  • 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
  • Borrower's Total Debt Servicing Ratio must not exceed 60% of Gross Monthly Income
Loanable Amount
Property to be financed Loan value
Lot and Brand new house Up to 80% of the selling price or appraised value (AV)
Lot only Up to 60% of the selling price or appraised value (AV)
Lot and existing (pre-owned/second-hand) improvement or lot with proposed improvement/construction Up to 80% of the AV of the property
Reimbursement of acquisition/construction cost Up to 80% of the selling price or AV
Loan take-out Up to 80% of the AV of the property

Note: Foreigners are entitled to a maximum loan grant up to 70%.

  • The loan shall be secured by Real estate mortgage (REM) on the property being financed
Interest Rate
Manner of Release

    The proceeds of the loan may be released in Philippine PESO for purchase/acquisition transactions or in US Dollars for house construction in the following manner:

  • Lump sum release for purchase of property, refinancing or reimbursement
  • Staggered loan releases shall have an aggregate amount of up to eighty percent (80%), except on the first release wherein the basis shall be seventy percent (70%) of the AV of the lot. Loan releases shall be up to a maximum of five (5) drawdowns which shall be made at the following stages of completion:
Loan Release Stage of Project Completion
First/Initial Release Start of the construction/improvement (below 30% completion)
Second Release Thirty percent (30%) completion
Third Release Sixty percent (60%) completion
Fourth Release Ninety percent (90%) completion
Repayment Scheme
  • Maximum of 25 years for purchase of house and lot, townhouse condominium unit, rowhouse or apartment unit and house construction.
  • Maximum of 10 years for purchase of lot or home improvement.
  • Repayment of your loan shall be in US dollars or the local currency where the overseas branch is located. This shall be paid directly to the overseas branch either through submission of post-dated checks or a debit arrangement.
  • Payment commence one month after the final loan release.
  • For staggered releases, interest accruing on the initial release shall be deducted from the proceeds of second release. Additional interest due on the first release and interest accruing on the second release shall be deducted from the third release and so on. Consolidation of staggered PNs (Principal + interest) payment shall commence one month after final release.
  • Mortgage Redemption insurance depending on the amount of the loan shall be secured by the principal borrower prior to loan release and shall be renewed every year thereafter at an amount based on the outstanding loan balance.
  • Fire insurance coverage should be equivalent to the latest appraised value of the insurable property or on the contact price as indicated on the Contract to Sell.

OPHL Requirements:

Application/Identity Documents

  • OPHL Application Form
  • Singapore issued Identification Card
  • Philippine Passport (if applicable) and latest passport picture
  • Marriage Contract (if applicable)
  • Credit Bureau Report from Credit Bureau Singapore. Log-on to (yearly submission)
  • A non-refundable processing fee of USD150.00 will be collected once the processing of the loan application starts.

Income Documents

  • Certificate of Employment stating salary rate, position and length of employment
  • Latest two (2) years Income Tax Return (ITR) from the Inland Revenue of Singapore (IRAS)
  • Pay slip for the last two (2) months
  • 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

Collateral Documents

  • Copy of title (TCT/CTC)
  • Copy of Tax Declaration on land and/or improvement
  • Copy of current Real Estate Tax Receipt (RETR) and Tax Clearance
  • Approved survey/lot plan (signed by Geodetic Engineer)/location plan with vicinity map
  • Acquisition from accredited Developers

  • Contract to Sell; or Reservation Agreement with Computation Sheet / statement of account

House Construction or Renovation:

  • Bill of Materials and Estimates of Construction and Labor Cost signed by Civil Engineer or Architect
  • Floor and Building Plan and Building Specifications signed by Civil Engineer or Architect

Click here to download the OPHL Application Form.

Planning for a new home? Check out our loan products.

PNB Singapore will be happy to serve you BY APPOINTMENT on Saturdays, Sundays, and public holidays, starting June 13, 2020.

Click here for appointment options

Thank You for your understanding and support.

PNB Singapore Management

New Cut-off Time for 'Same-Day Credit to Other Bank' Remittance effective March 17, 2020

To our Valued Clients,

In light of the recent turn on events concerning COVID-19 in the Philippines, please be informed that PNB Singapore will adopt below daily new cut-off time for Same-Day Credit to Other Bank remittance transactions effective March 17, 2020 until further notice

Transaction Type: Internet Remittance via FAST

Previous Cut-off Time: 12:00NN

NEW Cut-off Time: 11:00AM

Transaction Type: Over-the-counter

Previous Cut-off Time: 3:00PM

NEW Cut-off Time: 11:30AM

Please be guided accordingly.

We thank you for your patience and understanding.

PNB Singapore Management


Dear Valued Client,

As part of our move towards a sustainable and paperless work environment, please be informed that effective April 1, 2020, the Electronic Receipt will be implemented for all your transactions through online transfer remittance. This means that every receipt will no longer be printed but instead be sent to your registered personal email address.

To ensure that you will receive your e-receipt, please make sure that your email address with PNB Singapore is updated. To update your email address, you may visit the branch or send an email to or with your name as the subject before March 31, 2020. Kindly attached your IC for identification.

Should you have any concern, please contact us at 67374646 local 106

Thank you for banking with PNB.

Very truly yours,

PNB Singapore Branch Management

PNB Singapore Temporary Operating Hours & Temporary Relocation of Limited Purpose Branch

Please be informed that we will observe the following temporary business hours effective April 15, 2020 until further notice:

Limited Purpose Branch (LPB) Blk 130 Jurong Gateway Road #01-225 S600130 (near JCube Mall)

Monday to Tuesday


Wednesday to Sunday

9:00 AM - 6:00 PM

Main Branch Unit 03-02/07 Lucky Plaza Shopping Centre

Monday to Friday

10:00 AM - 7:00 PM

Saturday and Sunday

9:00 AM - 6:00 PM

Thank you for your continued patronage.

PNB Singapore Management

To our Valued Clients,

Thank you for trusting Philippine National Bank for your banking needs.

To serve you better and faster, we have launched a new Internet Remittance platform thru Fast and Secure Transfer (FAST). Now you can transfer online using any of of the 20 member banks including your DBS or POSB bank. Your respective 14-digit bill reference numbers will still be the same.

Further details and step by step procedures is available under the Remittance services.

Please be informed that effective 1 April 2019, DBS/POSB bills payment facility to merchant PNB Singapore will no longer be available.

For more inquiries, please don't hesitate to call us at 67374646 extensions 111, 112, 106, or 107.

Very truly yours,

PNB Singapore Branch Management


To our Valued Clients,

Enjoy real-time posting of your contributions to your SSS records. Simply present a valid PRN (payment reference number) when making contribution payments.

Please visit for more information on the SSS payment process.

Thank you.


As part of our efforts to serve you better,PNB continues to enhance our systems. We shall inform customers of any scheduled system enhancement activity.

For concerns or inquiries, you may contact your PNB overseas branch.

Thank you for banking with PNB.