+63 917 530 5817
November 20, 2017

Home Loan Requirements List

Bank and In-House Financing

Standard Documents

  • ID pictures (2 pcs. 2×2)
  • 2 Government issued ID’s (preferably with signatures)
  • Proof of Billing
  • Certificate of Tenancy & Valid ID of House Owner (if renting)
  • Birth Certificate or Marriage Certificate
  • House Sketch
  • Notarized / Consularized SPA
  • Postdated Checks

Major Documents (Locally Employed)

  • Certificate of Employment & Compensation (COEC)
  • Payslips (latest 4 months)
  • Bank Statement (latest 6 months)
  • Commission Vouchers (latest 6 months)

Major Documents (OFW)

  • Contract of Employment (COEC)
  • Passport with entries
  • Valid working visa
  • Seaman’s Book / Service Record
  • Payslips (last 6 months or proof of remittance or bank statement)
  • Special Power of Attorney

Major Documents (Self Employed)

  • Business Registration Certificate / SEC
  • Mayor’s Permit
  • Financial Statements (last 2 yrs; Audited / In-house)
  • Income Tax Return (ITR) (last 2 years)
  • Bank Statement (latest 6 months)
  • OR / CR /Franchise of PUV if applicable
  • PRC License (professional)
  • Company Profile
  • Picture of Business
  • Contact Numbers of Supliers and Customers
  • Board Resolution and Secretary Certificate
  • Articles of Incorporation and By-Laws

Other Documents (If applicable)

  • Affidavit of Waiver (married to foreigner)
  • Affidavit of Former Filipino Citizenship
  • Affidavit of Discrepancy – inconsistent docs / name
  • Court of Finality / Legal Separation
  • NSO marriage Certificate certified null and void (for separated)
  • Death Certificate (widow / widower)
  • Oath of Allegiance (for dual citizen)
  • Birth Certificate of Attorney-in-Fact
  • Certificate of Non Marriage (CENOMAR)

NOTE:

  • For OFW – Standard documents + Major documents (OFW)
  • For Locally Employed – Standard documents + Major documents (locally employed)
  • For Self-Employed – Standard documents + Major documents (Self-Employed)
  • For Married to Foreigner – Standard documents + Other documents (if applicable)

 

Pag-ibig Financing

Standard Documents

  • 4 pcs. 1 x 1 ID picture
  • 2 Valid ID with Signature (Government issued)
  • Birth Certificate (if single)
  • Marriage Certificate (if married)
  • Death Certificate (if widow / widower)
  • Proof of Billing Address (MERALCO, PLDT, Water Bill, etc.)
  • Certificate of Tenancy & Valid ID of House Owner (if renting)
  • Approved Membership Status Verification Slip (MSVS)
  • Special Power of Attorney and Valid ID of Atty-in-fact (if any)
  • Residence Certificate/ Cedula
  • Postdated Checks (Downpayment & Monthly Amortization)

Major Documents (Locally Employed)

  • Certificate of Employment & Compensation (COEC) – Notarized
  • Payslips (latest 4 months)
  • Latest Income Tax Return (ITR)
  • Latest 3 Month Payslip
  • Service Record (if government employee)
  • Copy of latest ESAV with at least 24 mos. contribution

Major Documents (OFW)

  • Job Contract (Authenticated by POEA) with English translation if in foreign language)
  • Certificate of Employment & Compensation (Consularized) – if no Job Contract
  • Proof of Remittance (last 3 mos.)
  • Photocopy of Passport
  • Special Power of Attorney (Consularized)
  • Copy of latest ESAV with at least 24 mos. contribution
  • Other Proofs of Income, whether original or photocopy, shall be duly validated and certified/initialed by Pag-IBIG Fund Information Officer assigned in the country where the member works.

For Atty-in-Fact (Authorized Representative)

  • Latest ID Picture
  • Residence Certificate (photocopy)
  • 2 Valid IDs (Government issued)
  • Tax Identification No. (TIN)

Major Documents (Self Employed)

  • Business Permit / Mayor’s Permit
  • DTI or SEC Registration
  • Audited Financial Statement (last 1 years)
  • Income Tax Return (ITR) (last 1 years)
  • Proof of Tax Payment
  • Secretary’s Certificate (if any)
  • Contact Numbers of Supliers and Customers – – if applicable
  • Board Resolution and Secretary Certificate – if applicable
  • Articles of Incorporation and By-Laws – – if applicable

Other Documents (If applicable)

  • Affidavit of Waiver (married to foreigner)
  • Affidavit of Former Filipino Citizenship
  • Affidavit of Discrepancy – Inconsistent docs / name
  • Court of Finality / Legal Separation
  • NSO marriage Certificate certified null and void (for separated)
  • Oath of Allegiance (for dual citizen)
  • Birth Certificate of Attorney-in-Fact
  • Certificate of Non Marriage (CENOMAR)

NOTE:

  • For OFW – Standard documents + Major documents (OFW)
  • For Locally Employed – Standard documents + Major documents (locally employed)
  • For Self-Employed – Standard documents + Major documents (Self-Employed)
  • For Married to Foreigner – Standard documents + Other documents (if applicable