MIGUEL FERNANDO DG.

YANG AR 5171 – HOUSING (3083) – RESEARCH MT 01

BS. ARCHITECTURE V AR. NESTOR J. LAZAGA
Instructions: Research on the following;
1. Research on how a "housing loan"  is applied or processed by an individual to either any private or government agencies like the following, e.g. bank,
SSS, PAG-IBIG, etc...
2. Create a tabulated summary showing comparisons of the design requirements, standards, and guidelines for low-cost, socialized housing as per BP
220, NBC / PD 957, etc. are a concern. e.g. allowable minimum lot area, floor area, door schedules, and others.
3.  Research for at least one (1) successful housing project created, designed, and implemented either by a private corporation or any government
agency concerned with housing. Look for one local (Philippines) and one international like Singapore, Taiwan, the Americas, and, European countries.
Include all possible pieces of information related to the said project, also the pictures.

I. A HOUSING LOAN APPLICATION PROCESSES and REQUIREMENTS via BANKS:

1. BPI Family Savings Bank for monthly payments home loan
The low down payment and low cash out of a BPI Family Savings Bank home loan make it one of the best housing loan
options available in the country. BPI has introduced its newest payment option, the Step Up Payplan, which enables
borrowers to experience the lowest monthly payments from year one of your monthly payments increase every year.
   
BPI may help you with home finance for various purposes, including purchasing, building, or renovating an existing house. There is also a vast
network of BPI and BPI Family Savings Bank locations around the country to aid you with your home loan requirements.
 
Home Loan Features
 Minimum loan amount: PHP 400,000
 Maximum loan amount:
o 70% of the appraised value of house and lot
o 60% of the appraised value of a vacant lot or residential condominium
o Max of 80% of the appraised value of house and lot (as long as the value doesn’t exceed PHP 5 million)
 Interest rate:
o 6.25% fixed for one or two year/s
o 6.75% fixed for three years
o 7.25% fixed for four or five years
o 9.50% fixed for 10 years

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o 10.50% fixed for 15 years
o 12% fixed for 20 years
 Loan terms:
o Max of 25 years for house and lot
o Max of 10 years for the following: vacant lot, residential condominium, business loan, refinancing, or multi-purpose loans
 Processing is fast. When you submit your entire requirements, you may anticipate a response back within five business days.
 Relatively easy to get into for those with steady incomes and limited spending habits.
 
BPI Family Savings Bank Housing Loans Eligibility
 Filipino citizen
 The borrower must be of legal age, but no older than 65, at the time of the loan maturity.
 For foreign nationals, they must be married to a Filipino national (this is still subject to documentary requirements)
 A foreign visitor with a valid visa (this is still subject to documentary requirements)
 
Requirements for the Bank Home Loan
 Successfully completed BPI Family Savings Bank Housing Loan application form
 At least two genuine government-issued identification cards, each must bear a picture and a signature
 For married couples, the application form must be signed by both of them.
 Having a co-borrower or co-mortgagor necessitates the completion of a second application form
 

2. Rizal Commercial Banking Corporation (RCBC)

On this list, RCBC has the lowest minimum loan amount. If you want to borrow just a percentage of the home's value and pay
back the loan as fast as possible, this is a beneficial option for you.
   
Home Loan Features
 Minimum loan amount: PHP 300,000
 Home loan interest rates: 6.38% to 10.5%, depending on the term
 Loan term: Up to 20 years
 Fixing option of one to 20 years
 Uses include house and lot purchases as well as empty lots and home renovations or house construction.
 Useful for a variety of purposes, including the purchase or refinance of a primary residence.
 
RCBC Housing Loans Eligibility
 Filipino or dual citizen

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 For foreigners, You must be married to a Filipino citizen in order to apply.
 When applying for a loan, you must be at least 21 years old.
 Upon loan tenure, you need to be 65 years old. (For self-employed applicants, you must be 70 years old upon loan tenure.)
 You must have a cell phone and a landline phone.
 Minimum of one year of work and a minimum gross monthly income of Php 40,000
 If the candidate is an overseas Filipino worker (OFW), they must have worked abroad for at least two years in a row.
 For self-employed, a two-year period of profitability is required.
 
Requirements for the Bank Home Loan
 Accomplished RCBC Home Loan application form
 Two government-issued IDs
 Income documents for employed applicants:
o Certificate of Employment
o Latest Income Tax Return (ITR)
 Income documents for self-employed applicants:
o DTI Business Registration Certificate
o Audited financial statements
o ITR
o Bank statements
 

3. China bank (HomePlus Loan)

Home Loan Features
 Minimum loan amount: PHP 500,000
 Home loan interest rates: 5.75%
 Maximum loan term:
o Max of 10 years for condominium units
o Max of 15 years for vacant lots
o Max of 25 years for a house and lot
 Quick processing
 Can be used to acquire a variety of various types of real estate, including condominiums, house and lot packages, and land.
 Refinancing, home building, and reimbursement

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 Affordability of coverage since it uses its subsidiary, China Bank Insurance Brokers, Inc.
 Repayment is simple with an agreement for automatic debit arrangement.
 No hidden charges
 
China bank HomePlus Loan Eligibility
 Filipinos of legal age who will not be older than 65 at the time of the loan's maturity.
 Have a legitimate and profitable business or source of income.
 Three years or more in a management role in a well-known firm
 There is a minimum gross monthly income requirement for Manila and Metro Cebu of PHP 50,000 or PHP 35,000 if you live beyond these areas or
other provinces.
 Don't have any negative records or credit findings, such as court cases, bouncing checks, canceled credit cards, and defaulted debts.
 
Requirements for the Bank Home Loan
 Accomplished Application Form for China Bank HomePlus Loan
 Valid IDs (TIN, passport, Community Tax Certificate, driver's license, or company ID)
 Resume
 Marriage contract (if married)
 Statements of Accounts for the last six months of deposit
 For employed applicants:
o ITR
o Certificate of Employment (COE) stating the length of service and monthly compensation package
 For self-employed individuals:
o Audited financial statements and ITR for the last three years (BIR-stamped)
o Business profile
o Certificate of Registration of Business Name
o Complete list of suppliers and client
 
4. Banco De Oro (BDO)
Home Loan Features
 Minimum loan amount: PHP 300,000 for lot only and PHP 500,000 for house and lot
 Maximum loan amount: Up to 80% of the property’s appraised value
 Interest rate:
o as low as 6.25% fixed for one to two years
o as low as 6.75% fixed for three years
o as low as 7.25%% fixed for four to five years

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 Loan term: Up to 20 years
 Five-day turnaround time for approval
 Purchase of a home and land, an empty piece of land, or a condominium unit
 It may be utilized for house building, remodeling, purchase cost reimbursement, or refinancing.
 
BDO Housing Loans Eligibility
 With a minimum age of 21 and a maximum of 70 when the loan matures
 Earning at least PHP 50,000 a month
 At least two years of stable work
 Employed by oneself: Must have been running a legal and successful company for the last two years
 For overseas Filipino workers, a minimum of two to three years of continuous employment is required.
 
Requirements for the Bank Home Loan
 Accomplished BDO loan application form
 Photocopy of one valid ID matching the application details
 Any of the following latest income documents for employed applicants:
o Certificate of Employment and Compensation
o ITR
o Payslips for the last three months
 For self-employed applicants:
o Latest ITR
o Certificate of Business Registration from SEC or DTI, Articles of Partnership or Articles of Incorporation (whichever is applicable)
o Business Background or Company Profile
o Any of these income documents: Audited financial statements for the last two years, bank statements for the last six months, or rental
contracts
 For OFWs:
o Proof of remittance (last three months)
o Latest crew contract, if sea-based
o Consularized Certificate of Employment with Income (COEI) or latest three (3) months payslips
 
5. Security Bank
Security Bank home loan was voted the Best Home Loan Product of the Year
in 2019 at the Asian Banking and Finance's Wholesale and Retail Banking
Awards. An excellent endorsement of the bank's loans and services may be
drawn from this.

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In addition, Security Bank took home seven honors at the 18th Philippine Quill Awards this year for its CSR activities and communication
campaigns.
Home Loan Features
 Minimum loan amount: Php 1,000,000
 Maximum loan amount: As much as 80% of the property's appraised value
 Interest rate:
o as low as 6.25% fixed for one to three years
o as low as 6.75% fixed for five years
o as low as 7.75% fixed for 10 years
 Maximum Loan term: 20 years
 Quick approval time for as fast as five banking days
 It can be used for the purchase of a house and lot, vacant lot, or condominium unit
 It can be utilized as a loan for new construction, remodeling, or refinancing an existing property.
 
Security Bank Home Loan Eligibility
 At the time of loan repayment, you must be at least 21 years old but not older than 65.
 An average of PHP 50,000 combined monthly income
 At least two years of steady work
 Three years of genuine and lucrative business operation for the self-employed is required.
 
Requirements for the Bank Home Loan
 Accomplished application form of Security Bank housing loan
 Valid ID with picture (if with spouse or co-borrower, must also provide the same)
 Employed applicants must present any of the following income documents:
o Certificate of Employment and Compensation
o ITR
o Payslips for the last three months
o Bank statements for the last three months
 For self-employed applicants:
o ITR
o One or more of the following revenue documents: A year's worth of audited financial documents, bank statements from the latest three
months, or rental agreements
 Mortgage Redemption Insurance (MRI) application form
 Special Power of Attorney (for OFWs only)
 

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6. Metrobank
Home Loan Features
 Minimum loan amount: PHP 500,000
 Maximum loan amount: Up to 90% of the property's net selling price from
Metrobank-accredited real estate developers
 Interest rate:
o f5.75% fixed for 1-3 years
o 6.75% fixed for 4-5 years
 Loan term: Max of 25 years
 It can be used for a house and lot, vacant lot, or condominium unit purchase.
 It can also be used for home construction, residential asset acquisition, reimbursement of the acquisition cost, or refinancing.
 
Metrobank Housing Loan Eligibility
 At the time of loan repayment, you must be at least 21 years old but not older than 65.
 Monthly salary of at least PHP 40,000
 At least two years of consistent employment
 For OFWs
o OFWs who are either land-based (technical or administrative staff/officers) or sea-based (officer rank) OFWs who have either renewed or
signed a contract at loan application
o For OFWs worked for less than two years on the ground: Working in the United States during the last five years before becoming an OFW or
working for different companies, or a mix of both.
o OFWs who work on ships: With the present agency or with prior agencies, I've completed a total of 48 months of work.
o As a self-employed person, you must earn at least $1,000 (equal to Php30,000) or have the same gross monthly family income.
 
Requirements for the Bank Home Loan
 Accomplished Metrobank housing loan application form
 Clear copy of any government-issued ID
 For employed applicants, any of the following latest income documents must be provided:
o Certificate of Employment and Compensation
o ITR
o Payslips for the last three months
 For self-employed applicants in business:
o SEC Registration
o DTI Certificate of Registration
o Latest ITR

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o Two years of Audited Financial Statements
o Six months bank statement with BOO Certification of "No overdraft charges."
 For OFWs:
o Land-based: Certificate of Employment with the email of employer
o Latest POEA contract, if sea-based
 

7. AllBank
When you bank with AllBank, you'll have access to a wide range of specialized
financial products with extremely competitive interest rates for higher returns
and banking locations and teller machines near your house. The customer
service improvements that AllBank provides are likewise top-notch. In
addition, AllBank's financial services make you feel at rest. This financial
institution lives with its slogan, "Work hard, live well, and bank effortlessly."
   
Home Loan Features
Purchase of a house and lot, an empty piece of land, or a condominium unit may be possible with this loan. In addition, it may be utilized for house
building, refurbishment, refinancing, or just as a supplementary personal loan investment.
 
AllBank's main location is located at 2/F AllBank Bldg, EDSA cor. Cornell St., Brgy Wack-Wack, Mandaluyong City, Philippines, where you may
learn more about the bank's home loan options.
For its other contact details, you may refer to the information below:
 Phone: +63 2 8255-2265
 Email: info@allbank.ph / customercare@allbank.ph
 Web: www.allbank.ph
 
8. Philippine National Bank (PNB)
A home loan may be used for a variety of things, from the purchase of a new home to the
reconstruction of an existing property. In this case, the Housing Loan from PNB is one of the best
options in the country.
PNB has one of the best home loan rates and terms in the Philippines, enabling you to buy the
house of your dreams at a price you can manage.

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Home Loan Features
 Minimum loan amount: PHP 500,000
 Maximum loan amount: 80% of the appraised value for house and lot, condo, and townhouse, 70% for lot only
 Can be used for the purchase of a house and lot, vacant lot, townhouse, or condominium unit
 Can also be used for home construction, home improvement, or refinancing
 
PNB Housing Loan Eligibility
 Filipino citizens
 Minimum age of 21 and maximum of 65 upon loan maturity
 Employed or self-employed individuals
 
Requirements for the Bank Home Loan
 Housing Loan Application Form (duly accomplished)
 Photocopy of 2 Valid Government-issued IDs
 Appraisal Fee of P3,500 (non-refundable)
 If with co-maker/co-borrower/attorney-in-fact, a separate application form is needed
 Data Privacy Client Consent Form
 
9. Maybank
Home Loan Features
 Minimum loan amount: PHP 500,000
 Maximum loan amount: As much as 80% of the appraised value for house
and lot, condo unit, and townhouse, 60% for lot only
 Interest rate:
o 6.75% fixed for 1-3 years
o 7.25% fixed for 3-4 years
o 7.5% fixed for 5years
 It can be used to purchase of house and lot, lot only, or condominium unit
 It can also be used for home construction, home equity, or refinancing
 
Maybank Housing Loan Eligibility
 Once the loan has matured, your age and the length of the loan should not exceed 65 years old.
 At the very least, you should have been working for a respected organization for two years in a row.
 In the previous two years, your firm has been profitable and registered for at least three years.
 For overseas workers, a two-year contract is required.

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 A seafarer should have an officer post and have worked for at least two years in a row if they are to be eligible for a job.
 Overseas workers and seafarer candidates must have an attorney-in-fact present for the signing of any documents.
 
Requirements for the Bank Home Loan
 Accomplished Maybank loan application form
 A clear photocopy of government-issued ID
 CENOMAR (if single) and Marriage Certificate (if married)
 For employed applicants, the following latest income documents are required:
o Certificate of Employment and Compensation
o ITR
o Payslips for the last three months
 For self-employed applicants in business:
o Business Registration/ Permits
o Latest ITR (last two years)
o Two years of Audited Financial Statements
o Company Profile
o Latest six months Bank Statements/Passbook
 For OFWs:
o Contract of Employment / Employment Certificate
o History of Employment / Latest Crew Contact (if the applicant is a Seafarer)
o Special Power of Attorney (using Maybank’s format)
o Latest six months bank statements/proof of remittance
o Latest ITR (if applicable)
 
10. Unionbank
Attractive financial products are offered by UnionBank to Filipinos as one of the Philippines'
fastest-growing banks. At the Asian Banker Financial Technology Innovation Awards 2021, it took
home the most trophies out of all the competing financial institutions. At the 2021 Retail Banker
International Asia Trailblazer Awards in Singapore, UnionBank was named the Asia Trailblazer
Institution of the Year, taking home the top honor.
 
When it comes to getting a house loan, UnionBank may be the best option for you if you're one of the home loan borrowers who are seeking a bank
with a strong Asian presence.
 
Home Loan Features

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 Minimum loan amount: PHP 500,000
 Maximum loan amount: Up to 80% of the property's contract price
 Interest rates: 8% to 11%
 Loan term: Up to 20 years
 Allows 10% to 99% down payment
 Can be used for the purchase of lot, residential property, or condominium, house construction, refinancing, or renovation
 Quick approval time
 
Unionbank Housing Loan Eligibility
 21-65 years of age, but not older than 70 when the loan is due
 a Filipino or a former Filipino citizen
 Employees with regular contract status
 At least two years of profitable company operation for self-employed persons.
 OFWs
 
Requirements for the Bank Home Loan
 Accomplished Unionbank Home Loan application form
 Copy of Valid ID (SSS, GSIS, TIN ID)
 If married, Marriage Contract
 Latest income documents for employed applicants:
o Certificate of Employment with Compensation
o Payslips for the last three months
 Income documents for self-employed applicants:
o SEC or DTI Business Registration Certificate
o Bank statements for the last six months
o Financial Statements
o ITR
o List of suppliers or customers with contact information
 Additional documents for OFWs:
o Valid passport with entry and exit stamps
o Original and Consularized Special Power of Attorney

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II. A HOUSING LOAN APPLICATION PROCESSES and REQUIREMENTS via PRIVATE and
GOVERNMENT AGENCIES:
1. PAG IBIG

Requirements:

☑  Active member with least 24 months savings

☑  Not more than 65 years old at the date of loan application and is not more than 70 years old at the date of loan
maturity

☑  Legal capacity to acquire and encumber real property

☑  No Pag-IBIG housing loan foreclosed, cancelled, bought back, or voluntarily surrendered

☑  If with existing Pag-IBIG Housing account or Short Term Loan (STL), payments must be updated

Process:

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2. Social Security System (SSS)
SSS offers four kinds of home loans: 

 Direct Housing Loan Facility for Workers’ Organization Members

 Direct Housing Loan Facility for Overseas Filipino Workers
 Housing Loan for Repairs or Improvements,
 Assumption of Mortgage

Each type of home loan caters to specific needs and has a different application process. But, if you’re
interested in buying a home, then focus on the first two. This is because you can use them to finance any of the following: 

 The construction of a new house on a lot you already own

 The purchase of a lot and the construction of a new house on it
 The purchase of a house and lot, condominium, or townhouse

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For both loans, the maximum loanable amount is Php 2 million and payable in either 5, 10, or 15 years. 

The interest will be based on the loan amount. These are the interest rates SSS applies to their loans:

Loan Amount Annual Interest

Over Php 450,000.00 up to Php 1,000,000.00 9%

Over Php 1,000,000.00 up to Php 1,500,000.00 10%

Over Php 1,500,000.00 up to Php 2,000,000.00 11%

Read more about the different SSS housing loan requirements and how to loan in SSS.

1. Direct Housing Loan Facility for Workers’ Organization Members

The Direct Housing Loan Facility for Workers’ Organization Members (WOMs) caters to people in the private sector. To qualify, you need to be
employed and a member of any of the workers’ organizations accredited by the Department of Labor and Employment (DOLE), the Securities and
Exchange Commission (SEC), or the Cooperative Development Authority.

Workers who are also members of any trade union center, federation, national union, chapter, or independent union as defined in Book V of the Labor code of
the Philippines can avail of this housing loan. 

If you’re interested on how to apply for an SSS housing loan through this method, here are the criteria for eligibility and document requirements: 

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Direct Housing Loan Facility for Workers’ Organization Members Eligibility
Requirements

 Member is a bonafide member of a registered workers’ organization in the

private sector;
 Member must be a member of the SSS;
 Member has at least 36 months premium contribution and 24 continuous
contributions in a period prior to application
 Member should not be more than 60 years old at the time of application and

To be eligible you must be insurable. Members age 60 years at time of application will have a
must meet these maximum loan term of 5 years
criteria:
 Member was not previously granted an SSS housing loan
 Member has not been granted final SSS benefits
 Member and spouse is updated in the payment of their other SSS loan(s), if
any
 The spouse of an existing borrower may still qualify for an SSS housing
loan if the loan of the existing borrower was obtained prior to the date of
marriage and the loan is not delinquent.

Direct Housing Loan Facility for Workers’ Organization Members Requirements

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1. Mortgagor’s Application for Housing Loan with 1” x 1” ID pictures of
Principal Applicant and Spouse
2. Certificate of Loan Eligibility – (P100 Service Fee)
3. Certification of Membership from the workers’ organization
4. Employer’s Certification
5. Latest two (2) months pay slip duly certified by the employer
Original copy of: 
6. Deed of Sale or Contract to Sell with Statement of latest balance (for
purchase of lot or house and lot)
7. Confirmation of Completion and Appraisal from Home Guaranty
Corporation accredited appraisal companies
8. Certificate of Acceptance and Occupancy duly signed by the borrower if
house is 100% complete at the time of the loan filing

1. Latest income tax return together with Form W-2 and Confirmation Receipt
of Payment
Original and 2. Owner’s copy of the Original/Transfer Certificate of Title/Condominium
photocopy of:
Certificate of Title
3. Latest Property Tax Declaration and latest Realty Tax Receipt

Other requirements:
1. Lot Plan with Vicinity Map duly signed and sealed by a registered Surveyor
or Geodetic Engineer (Blue Print)
2. Building plans/specifications/picture of the house (Blue Print)
3. A set of twelve (12) postdated checks covering twelve (12) monthly

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installments and shall be repeated every twelve (12) months thereafter until
the loan is fully paid
4. Tax Mapping/Subdivision Plan
5.  Application Fee – ½ of 1% of loan amount or P500 whichever is higher but
not to exceed P3,000.00 to be deducted from the first loan release.
6. Inspection Fee – P500

To apply, you can file your application at your nearest SSS cluster branch or at the Housing and Business Loans Department, 5/F, SSS Bldg., East Avenue,
Diliman, Quezon City.

2. Direct Housing Loan Facility for Overseas Filipino Workers

The Direct Housing Loan Facility for Overseas Filipino Workers (OFWs) is like the first kind of loan except it caters to OFWs instead WOMs. To qualify
for the home loan as an OFW, you have to fall under one of the following:

 Currently working in another country with a contract processed by the Philippine Overseas Employment Authority (POEA) or authenticated by a
foreign embassy
 Awaiting deployment or renewal of an employee contract
 A Filipino national who is now a citizen or immigrant of a foreign country with the intent to buy a home for their family still residing in the
Philippines
  A long-term overseas resident Filipino with intent to avail a housing package for themself for retirement, for their visits to the Philippines, or for
their extended families

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Note that for OFWs awaiting deployment or renewal of contract, the loan can only be made upon renewal or employment. 

If you’re interested on how to apply for an SSS housing loan through this method, here are the criteria for eligibility and document requirements.

Direct Housing Loan Facility for Overseas Filipino Workers Eligibility

Requirements
To be eligible you
 Member is a certified Overseas Filipino Worker;
must meet these
criteria:  Member is a voluntary OFW member of SSS;
 Member has at least 36 months contribution and 24 continuous
contributions in the period prior to application
 Member should not be more than 60 years old at the time of application and
must be insurable. Members age 60 years at time of application will have a
maximum loan term of 5 years
 Member was not previously granted an SSS housing loan
 Member has not been granted final SSS benefits
 Borrower and spouse is updated in the payment of their other SSS loan(s), if
any

The spouses of an existing borrower may still qualify for an SSS housing loan if the
loan of the existing borrower was obtained prior to the date of marriage and the loan is

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not delinquent.

Direct Housing Loan Facility for Overseas Filipino Workers Requirements

1. Mortgagor’s Application for Housing Loan with 1” x 1” ID pictures of

Principal Applicant and Spouse
2. Certificate of Loan Eligibility – (P100 Service Fee)
3. Certification of Membership from the workers’ organization
4. Employer’s Certification
5. Latest two (2) months pay slip duly certified by the employer
Original copy of: 
6. Deed of Sale or Contract to Sell with Statement of latest balance (for
purchase of lot or house and lot)
7. Confirmation of Completion and Appraisal from Home Guaranty
Corporation accredited appraisal companies
8. Certificate of Acceptance and Occupancy duly signed by the borrower if
house is 100% complete at the time of the loan filing

Original and
1. Latest Contract of Employment and latest Employer’s Certification duly
photocopy of:
authenticated by Phil. Consulate
2. Owner’s copy of the TCT/OCT/CCT
3. Certified true copy of TCT/OCT/CCT issued by the Register of Deeds

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4. Latest Property Tax Declaration and Realty Tax Receipt

1. Lot plan with vicinity map duly signed and sealed by Registered Surveyor
or Geodetic Engineer (Blue Print)
2. Building plans/specifications/picture of the house (Blue Print)
3. A set of twelve (12) postdated checks covering twelve (12) monthly
installments and shall be repeated every twelve (12) months thereafter until
the loan is fully paid
Other requirements:
4. Tax Mapping/Subdivision Plan
5. Affidavit of Undertaking to continue paying monthly SSS premium
contributions for the duration of housing loan
6. Application Fee – ½ of 1% of loan amount or P500 whichever is higher but
not to exceed P3,000.00 to be deducted from the first loan release.
7. Inspection Fee – P500

To apply, you can file your application at your nearest SSS cluster branch or at the Housing and Business Loans Department, 5/F, SSS Bldg., East Avenue,
Diliman, Quezon City.

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References:
1. https://blog.carousell.ph/property/how-apply-sss-housing-loan/
2. https://www.lumina.com.ph/news-and-blogs/blogs/best-bank-housing-loan-in-the-philippines-this-2022/
3. https://www.pagibigfund.gov.ph/Availmentofnewloan.html
4.

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