Requirements for PNB Home Loan: List of Documents You Must Submit to the Bank in Applying

Guide on the Requirements for PNB Home Loan Application – What You Need To Prepare

REQUIREMENTS FOR PNB HOME LOAN – Here is a list of the documents needed in applying for the Housing Loan offer of the Philippine National Bank (PNB).

The Philippine National Bank (PNB) is one of the entities with a housing loan offer. Its offer is open for the purposes of acquiring a vacant lot, house and lot, or condominium unit; financing a house construction or home improvement; or for loan take-out or refinancing. You can check on the documents you will need to apply for this offer below.

Lists of Requirements for PNB Home Loan Applications Based on Application Status

If you are locally-employed:

• duly-accomplished and signed PNB Housing Loan Application Form
• one (1) Valid ID (Photo-bearing Gov’t Issued) of Borrower/Spouse/Co-borrower/signatories of the loan (clear copy)
• any of the following:
  • latest Income Tax Return (ITR)
  • latest Certificate of Employment with Compensation
  • latest three (3) months Payslip
• collateral requirements:
  • If standard acquisition:
    • Tax Declaration on Land or Building copy
    • Collateral Title copy
    • Lot Plan
    • Vicinity Map
  • If for home construction purpose:
    • Floor Plan or Building Plan
    • Bill of Materials
    • Building Specification
  • If acquisition from accredited developer:
    • contract to sell
  • If vacant lot or house and lot acquisition:
    • Deed of Absolute Sale or Contract to Sell
  • If for refinancing or loan take-out:
    • Statement of Account from Mortgage Bank

If you are self-employed:

• duly-accomplished and signed PNB Housing Loan Application Form
• one (1) Valid ID (Photo-bearing Gov’t Issued) of Borrower/Spouse/Co-borrower/signatories of the loan (clear copy)
• any of the following:
  • 6 months Bank Statement
  • Income Tax Return (ITR) or Audited Financial Statement (AFS)
• collateral requirements:
  • If standard acquisition:
    • Tax Declaration on Land or Building copy
    • Collateral Title copy
    • Lot Plan
    • Vicinity Map
  • If for home construction purpose:
    • Floor Plan or Building Plan
    • Bill of Materials
    • Building Specification
  • If acquisition from accredited developer:
    • contract to sell
  • If vacant lot or house and lot acquisition:
    • Deed of Absolute Sale or Contract to Sell
  • If for refinancing or loan take-out:
    • Statement of Account from Mortgage Bank

If you are applying as an individual with a corporate business:

• duly-accomplished and signed PNB Housing Loan Application Form
• 6 months bank statement either personal or corporate
• Securities Exchange Commission (SEC) Registration
• General Information Sheet
• ITR/AFS
• one (1) Valid ID (Photo-bearing Gov’t Issued) of Borrower/Spouse/Co-borrower/signatories of the loan (clear copy)
• collateral requirements:
  • If standard acquisition:
    • Tax Declaration on Land or Building copy
    • Collateral Title copy
    • Lot Plan
    • Vicinity Map
  • If for home construction purpose:
    • Floor Plan or Building Plan
    • Bill of Materials
    • Building Specification
  • If acquisition from accredited developer:
    • contract to sell
  • If vacant lot or house and lot acquisition:
    • Deed of Absolute Sale or Contract to Sell
  • If for refinancing or loan take-out:
    • Statement of Account from Mortgage Bank

If you are an overseas Filipino worker (OFW):

• duly-accomplished and signed PNB Housing Loan Application Form
• any of the following:
  • latest Contract of Employment (COE)
  • latest Certificate of Employment with Compensation
  • latest three (3) months Payslip
  • Income Tax Return (ITR) or Audited Financial Statement (AFS)
• one (1) Valid ID (Photo-bearing Gov’t Issued) of Borrower/Spouse/Co-borrower/signatories of the loan (clear copy)
• collateral requirements:
  • If standard acquisition:
    • Tax Declaration on Land or Building copy
    • Collateral Title copy
    • Lot Plan
    • Vicinity Map
  • If for home construction purpose:
    • Floor Plan or Building Plan
    • Bill of Materials
    • Building Specification
  • If acquisition from accredited developer:
    • contract to sell
  • If vacant lot or house and lot acquisition:
    • Deed of Absolute Sale or Contract to Sell
  • If for refinancing or loan take-out:
    • Statement of Account from Mortgage Bank

To apply for the loan, go to a Philippine National Bank (PNB) branch nearest to you or where you want to apply for the loan offer and submit your requirements. Wait from an update from the bank over the status of your loan application.

You may also visit – PNB LOAN: Full List of PNB Loans You May Apply For