Guide on PNB Housing Loan 2025 Features & Application
PNB HOUSING LOAN 2025 – Enjoy exploring these excellent features of the Philippine National Bank loan offer that is ready to get you your dream house.
One of the most reputable banks in the Philippines is the Philippine National Bank or more popularly called PNB. It has been operating in the country since 1916 providing different quality financial products to Filipino citizens.
The Philippine National Bank does not only offer different kinds of bank accounts but as well as loans, cards, investment products, remittance services, and insurance policies among others. It is ready to get qualified individuals their dream car or built that dream house from the ground.
The PNB has several loan offers. Aside from the PNB Car Loan offer, the bank also has the PNB Housing Loan offer. It is ready to finance any of the following purposes:
- purchase of Lot, House & Lot, condominium unit, townhouse
- House Construction
- Home Improvement
- Refinancing / Take-out of existing loans
The PNB Housing Loan offer is open for both salaried and non-salaried Filipinos who are at least 21 years old at the time of the loan application but not more than 65 years of age upon loan maturity.
The borrowing amounts depend on the purpose of the loan application. Here is a guide on the loanable amounts under the Housing Loan offer of the Philippine National Bank:
Minimum Loanable Amount:
- Purchase of Lot — Php 500,000 (within and outside Metro Manila)
- Purchase of house & lot, townhouse, & condominium
- Php 750,000 (within Metro Manila)
- Php 500,000 (outside Metro Manila)
Maximum Loanable Amount:
- Up to 70% of the appraised value of the property for lot
- Up to 80% of the appraised value of the property for house & lot, townhouse & condominium
With regards to the loan term, the PNB Housing Loan is payable for up to 10 years for lot purchase and home improvement and up to 25 years for purchase of house & lot, townhouse, and condominium unit, and house construction. The interest rate depends on the prevailing interest rate at the time of the availment of the loan.
The loan repayment is done through equal monthly amortizations in the form of Automatic Debit Arrangement or Post-Dated Checks. Are you interested to apply for the loan offer?