Philippine National BankAddress:
PNB Financial Center
Pres. Diosdado Macapagal Blvd., Pasay City Philippines 1300

526-3131 at locals: 2477 / 4767 / 4467 / 2176 / 4796


Click here to apply now!

Visit us at PNB Financial Center or call us at
526-3131 at locals: 2477 / 4767 / 4467 / 2176 / 4796
or email us at
About PNB

Philippine National Bank (PNB) is one of the country's largest private local commercial banks in terms of assets and deposits. PNB is a universal bank providing a full range of banking and other financial services to large corporate, middle-market, small and medium enterprises (SMEs) and retail customers, as well as to the Philippine Government, national government agencies, local government units and government-owned and controlled corporations (GOCCs). It was originally established as a government bank in 1916 but has been 100% privatized since 2007. PNB is a publicly listed company with a broad shareholder base. Its major stockholder is the Lucio Tan Group, one of the Philippines' leading business conglomerates.

PNB's principal commercial banking activities include deposit-taking, lending, bills discounting, trade finance, foreign-exchange dealings, fund transfers/remittance servicing, a full range of retail banking and trust services, and treasury operations. Through its subsidiaries, the Bank engages in a number of diversified financial and related businesses such as remittance servicing in the United States, Hong Kong, Guam, Italy, Canada, and France; full-service banking in the United Kingdom; investment banking, non-life insurance, stock brokerage, leasing and financing; and freight forwarding services.

PNB Financial Center
Pres. Diosdado Macapagal Blvd.
Pasay City 1300
About PNB Home Loan

Whether you are a first-time home buyer, or planning to invest in more properties, you will find PNB Home Loan the ideal solution for your home loan requirements.

PNB Home Loan has one of the highest loanable amounts, lowest interest rates and the most flexible payment terms available in the market.

With PNB Home Loan, you can start to build your home wherever you are in the world. PNB now has 338 branches in the Philippines and operates 94 overseas offices in 12 countries.

Terms/Conditions PNB Home Loan
Purpose Purchase of lot, house & lot, condominium unit, duplex or townhouse.

Purchase/Construction of apartment building of up to 4 units only
House construction, improvement or renovation

Refinancing / Take-out of existing loans
Borrowers Eligibility Filipino citizen, whether residing domestically or staying abroad

Natural-born Filipinos who have lost their Filipino citizenship, but transaction is limited to purchase of condominium or a lot/house & lot/townhouse duplex with maximum lot area of 1,000 square meters.

Resident aliens for the acquisition of condominium unit only

Borrower must not be over 65 years old upon maturity of the loan.
Credit Ratio 30% of gross verifiable monthly income
Loan Amounts Minimum of P750K for purchase of house & lot, townhouse & condominium - within Metro Manila; P500K - other areas outside Metro Manila

P500K for purchase of lot within Metro Manila; P200K – other areas outside Metro Manila
Loan Security 1st REM on the property to be financed
Loan-to-Collateral Ratio Up to 80% of appraised value or selling price of units from PNB-Registered developers
Loan Term Up to 20 years
Interest Rate Welcome Rates

6.0% fixed for 1 year
7.5% fixed for 2-3 years
8.00% fixed for 4-5 years
10.00% fixed for 10 years
10.50% fixed for 15 years
11.00% fixed for 20 years
Repayment Monthly Principal and Interest which may be adjusted upward or downward depending on the interest rate to be charged for a particular interest period

Payments can be made via Automatic Debit Arrangement or Post Dated Checks
What are the Requirements?
Documentary Requirements

Photocopy of 2 valid IDs
Appraisal Fee of P3,300 - non-refundable
If with co-maker/co-borrower/attorney-in-fact, separate application form is needed
Alien Certificate of Registration (ACR) and Official Receipt (if resident alien)

Income Documents
  • Photocopy of company ID
  • Photocopy of the latest Income Tax Return (ITR)
  • Certificate of Employment and Compensation
For Overseas Filipino Worker
  • Photocopy of Passport
  • Contract / Certificate of Employment (COE) approved by the POEA, if applicable, authenticated by the Philippine Consulate (if direct hired)
  • Proof of inward remittance thru PNB or other banks
  • Crew Contract and Exit Pass from POEA (for seafarers only)
  • PNB-prescribed Special Power of Attorney (SPA), if applicable -- If husband or wife is abroad, to be authenticated by the Philippine Consulate

  • Business Name (DTI) or SEC Registration
  • Articles of Incorporation and By-Laws with SEC Registration Certificate, if applicable
  • Financial Statements / Income Statement for the last 3 years
  • Photocopy of the Income Tax Return (ITR) for the last 3 years
  • List of Trade References (Suppliers / Customers)
  • Bank Statements for the last six (6) months
Practice of Profession:
  • Clinic Address/es, schedules and contact numbers (for doctors)
  • Bank Statements for the last six (6) months

  • Clear photocopy of TCT / OCT / CCT (all pages including blank pages with the book and page / volume number indicated on the front page) or contract to sell
  • Lot Plan with Location / Vicinity Map certified by a licensed Geodetic Engineer
  • Photocopy of the latest Tax Declaration / Realty Tax Receipts / Tax Clearance

Loan application procedure (How to apply)

Send your requirements via email @ or call at 526-3131 locals 2176, 4767, 4796, 4467, 2477 and we will walk you through the process
  1. How do we apply for PNB's Home Loan?
  2. I am a Filipino working abroad, can I apply for a housing loan?
    • Yes. You may opt to submit your loan application form and requirements at our PNB Branches outside the Philippines (please refer to our list of PNB Branches) or at any PNB Branch in the Philippines.
  3. What fees do I have to pay?
    • An application/appraisal fee has to be paid upon submission of the application form & complete requirements

      Upon approval of the loan the following loan charges will be charged:
      • Mortgage Registration fee
      • Processing Fee
      • Mortgage Redemption Insurance Premium
      • Fire/ Lightning/ Earthquake Insurance Premium (for collateral with improvements)
  4. I am formerly a Filipino citizen and now a citizen of another country, can I still apply for a housing loan?
    • Yes.
  5. I am a Filipino relying mainly on a foreigner-spouse, can I still apply for a housing loan?
    • Yes, but your spouse' income should come from employment here in the Philippines.
    • On a case to case basis, if based abroad, we should be able to verify the submitted proof of income via our overseas offices. Income considered is only from employment.
  6. I am separated, can I apply for a housing loan?
    • If you are legally separated or your marriage is legally annulled, and can submit certified true copy of court decision of your separation or annulment, we can process the loan without requiring your estranged spouse to sign on all loan documents. However, if you are not legally separated or annulled, your estranged spouse have to sign on all the loan documents
  7. If I am applying for a construction loan, how will it be released to me?
    • For construction loan and major home improvement, the release is on a staggered basis. The loan release will be in accordance with the required percentage completion of the building. Construction period is only for one (1) year, otherwise, the Bank has the option to call your loan due and demandable.

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creba   CREBA
Chamber of Real Estate and Builders' Associations
oshdp   OSHDP
Organization of Socialized Housing Developers of the Philippines
shda   SHDA
Subdivision and Housing Developers Association

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