Guide on PNB Housing Loan Requirements 2025 for Application
PNB HOUSING LOAN REQUIREMENTS 2025 – For self-employed borrowers, here are the documents required for application and the qualifications.
Are you one of the people who are looking for a provider of a home loan? In the Philippines, there are trusted banks that offer housing loans. One of them is the Philippine National Bank which is in the service of the Filipino people for decades already.
More popularly called PNB, the Philippine National Bank has several loan offers. If you want a multi-purpose loan, you may turn to its PNB Cash Loan offer. For the purpose of financing a purchase of a residential property, the bank also has the PNB Housing Loan offer.
The PNB Housing Loan offer is ready to finance several purposes related to the acquisition of a residential property. You may apply for it for the financing of a purchase of a vacant lot, a house and lot, a condominium unit, or a townhouse; a house construction; a home improvement; and a home loan refinancing.
The Housing Loan offer is open for both locally-employed and self-employed individuals. In fact, Filipino individuals who run a corporate business as well as those who are working abroad may also qualify for the loan offer. There are both qualifications and PNB Housing Loan requirements in applying for the loan offer.
To qualify for the PNB Housing Loan offer, here are the eligibility requirements that a borrower must meet:
- a Filipino citizen
- at least 21 years of age at the time of the loan application but not more than 65 years of age upon loan maturity
- employed or self-employed individual
The PNB Housing Loan requirements depend if you are locally-employed, self-employed, an individual with a corporate business, or an overseas Filipino worker (OFW). For self-employed individuals, here are the documents required by the bank for application:
- duly-accomplished and signed PNB Housing Loan Application Form
- clear copy of one (1) Valid ID of Borrower/Spouse/Co-borrower/signatories of the loan
- any of the following income documents:
- 6 months Bank Statement
- ITR or Annual Financial Statement
Aside from the above-mentioned documents required by the Philippine National Bank, the PNB Housing Loan requirements also include collateral documents. Here are the collateral documents required in applying for the loan offer based on the loan purpose:
Collateral Documents
General Requirements:
- Copy of collateral Title (TCT,CCT)
- Copy of Tax declaration on Land &/or building
- Lot Plan and Vicinity Map
For Construction Purpose:
- Building/Floor Plan Building
- Specification
- Bill of Materials
For Acquisition from Accredited Developer:
- Contract to Sell
For Purchase of House and Lot/Vacant Lot
- Deed of Absolute Sale or Contract to Sell
Refinancing/Loan Take-out:
- Statement of Account from Mortgagee bank