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Housing loans

Compare home loans for buying, building or improving a property. Look at mortgage rates, down payments and the repayment term together before choosing a lender.

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15 companies to compare

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We check your choices against published information. Missing terms still need confirmation, appearing here does not mean approval. How this works

Asialink Finance

Real Estate Loan

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Property assessment

Includes property-backed borrowing and financing for ready-for-occupancy property. Confirm the exact facility and collateral in your offer.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
BDO

Home Loan

Bank
Loan amountFrom ₱300,000
TermUp to 25 years
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

BDO lists home financing in its consumer range. Ask for the property valuation, initial fixed rate and subsequent repricing basis.

Requirements & eligibility

Eligibility

  • Age 21 at application, up to 70 at maturity. Minimum gross FAMILY income ₱50,000/month.
  • Employees: two years with employer. Business: two profitable years. Overseas employment: two–three years.

Documents to prepare

  • Application and ID, income evidence, property title, tax declaration and vicinity plan. Construction/refinancing needs additional records.

Amount conditions: ₱300,000 minimum for vacant lots, ₱500,000 for house/lot, townhouse, construction or condo. Up to 80% of appraised value, condo/lot 70%.

Income basis: Family income: ₱50,000/month. Individual salary alone is not the published test.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amountFrom ₱400,000
Term1–30 years · acquisition page
Published rateBy quotationFixing period affects rate
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

BPI offers home financing with terms up to 20 years. Apply through a branch or accredited broker or developer.

Requirements & eligibility

Eligibility

  • Age 18–70 at maturity. Household income at least ₱40,000/month.
  • Eligible house/lot, townhouse, condo or vacant lot, property assessment required.

Documents to prepare

  • Application and two IDs. Employees: COE, three months payslips, ITR and verification authorization.
  • Business: registration/permit, ITR with audited accounts, six months working-account records and trade references. Property title/tax records and sale documents.

Amount conditions: Up to 90% of property value, subject to assessment.

Income basis: Household income: ₱40,000/month.

Source discrepancy: Acquisition FAQ states up to 30 years, the overview and All-In Financing page state 20 years. Confirm the applicable programme and purpose.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A current rate table and full fees were not verified on the product page. Ask for the initial fixing period, repricing basis, appraisal fee and required insurance.

Visit company website Quote required
Bank of Commerce

Home Loan

Bank
Loan amountFrom ₱500,000
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Bank of Commerce offers financing for property purchases, construction on an owned lot, home improvements and refinancing.

Requirements & eligibility

Documents to prepare

  • Identification, photographs, three months of bank statements and applicable civil-status documents.
  • Employment or business income records. Overseas workers should prepare their contract and remittance evidence.

Amount conditions: The published repayment range is 10–20 years. Property assessment and purpose affect the approved financing.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Cebuana Lhuillier

Home Loan

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Property assessment

Home finance subject to property valuation and borrower assessment. Confirm current origination, the contracting lender and repricing terms.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
China Bank Savings

Easi-Livin’ Home Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Property assessment

Covers qualifying home or lot purchase, construction, improvement or refinancing. A property assessment is required.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Chinabank

HomePlus

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

HomePlus is Chinabank’s home financing product. Confirm property requirements and the rate after the initial fixed period.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
EastWest Bank

Home Loan

Bank
Loan amountFrom ₱500,000
TermUp to 30 years · property-dependent
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

EastWest lists financing for a house and lot, condominium, townhouse or vacant lot. Ask which purposes your offer covers.

Requirements & eligibility

Eligibility

  • Filipino, age 21–65 at maturity, with stable income and satisfactory credit history. OFWs may apply with an authorized representative.
  • Published gross monthly income requirement: ₱40,000. Co-borrowers may be considered, confirm whose income the bank will accept.

Documents to prepare

  • Application, two IDs, civil-status and address records, plus income evidence and property title/tax documents.
  • Employees: employment certificate and three months of payslips. Business applicants: three years of tax/financial statements, six months of bank statements and registration. Construction requires additional plans.

Amount conditions: From ₱500,000. Up to 30 years for house-and-lot, up to 20 for condominium or vacant lot. Financing percentages depend on the property and developer.

Income basis: The ₱40,000 published income threshold is shown for review rather than treated as a universal individual-salary filter.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Maybank

MaxiHome Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Maybank’s home financing range includes property-related borrowing. The rate depends on purpose and fixing period.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Metrobank

Home Loan

Bank
Loan amountFrom ₱500,000
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Home financing is listed in Metrobank’s consumer range. Check property eligibility, your deposit, the fixing period and repricing formula.

Requirements & eligibility

Eligibility

  • Current application form requires at least ₱40,000 gross monthly income and a ₱500,000 loan request. Purpose and property conditions still apply.

Income basis: Application form: ₱40,000 gross monthly income. Confirm co-borrower treatment.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

PNB lists housing finance in its current personal-banking directory. Confirm the eligible property, fixing period and all closing costs.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
PSBank

Home Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Home financing is listed in the official product directory. Confirm property eligibility, fixing period, repricing and all mortgage charges.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Pag-IBIG Fund

Housing Loan

Government
Loan amountConfirm your limit
TermConfirm available terms
Published rateProgram-specific quoteSubsidy eligibility varies
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Pag-IBIG offers housing finance, including conditional subsidized programs. Property, membership and program eligibility determine the available amount and rate. A program announcement is not an individual offer.

We do not assume you qualify for a subsidy. Confirm property limits, membership criteria, fixing periods, current program availability and charges with Pag-IBIG before calculating a payment.

Visit company website Quote required
RCBC

Home Loan

Bank
Loan amountFrom ₱300,000
Term1–20 years, multipurpose option differs
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

RCBC lists housing finance. Compare the initial fixing period, repricing terms and property-related charges.

Requirements & eligibility

Eligibility

  • Age 21+ at application, no older than 70 at maturity. Filipino/dual citizen, foreign applicants must be married to a Filipino.
  • Employees: two years employment and ₱40,000 gross monthly income. OFWs: two consecutive years abroad. Business: two profitable years.

Documents to prepare

  • Application, property title and tax declaration, construction needs a bill of materials. Income, identification and business records depend on applicant type.

Amount conditions: ₱300,000 is the build/renovate minimum. Purchase minimum is ₱1 million, the broad category filter cannot distinguish the purpose.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amountFrom ₱1,000,000
Term60–240 months
Published rate7.25%annual · fixed for 1 year
Monthly repaymentSet your amountProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

The published rate table lists 7.25% for a one-year fixing period. The minimum loan is ₱1 million and minimum combined gross monthly income is ₱50,000. Terms run up to 20 years.

Requirements & eligibility

Eligibility

  • Age 21–65 at maturity. COMBINED monthly income ₱50,000.
  • Two continuous years employed or three years legitimate, profitable business.

Documents to prepare

  • Signed application and government photo ID. Employees: employment certificate, ITR, three months payslips OR bank statements. Commission income needs longer records.

Income basis: Combined borrower income: ₱50,000/month, personal salary alone is not the published test.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

The payment shown applies at the starting rate. Later repayments can change. Appraisal, insurance, registration, taxes and other bank charges are excluded. The website’s calculator text mentions 7%, this draft uses its current rate table.

Visit company website Illustration available

What could the repayments look like?

Try different amounts, repayment periods and interest rates in the loan payment calculator. It is an independent example, not this company’s quote. A longer term can lower each payment while increasing total interest.

Already know your monthly budget? Estimate an amount you could plan around. For an actual offer, include its fees and payment schedule.

BEFORE YOU CHOOSE

What deserves a closer look

01

Separate tenor from rate fixing

A 20-year loan can have a rate fixed for only one year. Ask what determines the next rate.

02

Budget for costs beyond the deposit

Appraisal, mortgage registration, taxes and insurance may be separate from the purchase price and monthly payment.

03

Stress-test the repayment

Use a higher future rate in your budget before committing. Starting payments do not establish the lifetime cost.

Your questions, answered.

Can a home loan pay for construction or renovation?

Yes. Housing finance can cover a purchase, construction, renovation or refinancing, depending on the programme. BDO is one company in our comparison with several permitted purposes. Choose an offer for your actual project because release stages and property documents can differ.

Why can the bank valuation be lower than the selling price?

The lender assesses the property separately. If financing is based on a lower valuation, you may need more cash than expected.

What does a fixed-rate period mean on a home loan?

It is the period for which the quoted rate stays fixed, not necessarily the entire mortgage term. Ask how repricing works afterward.

Can a couple combine income for a housing loan?

Some lenders allow qualifying joint or family-income applications. Each applicant may need to provide income and identity records and accept responsibility for the debt. Confirm the arrangement with the bank before assuming both incomes will count.

What property documents may a bank ask for?

Expect the lender to check ownership and property tax records. Construction may need plans and a cost estimate, while refinancing may need the existing loan details. Ask for the checklist for your particular purpose before paying for document processing.

What costs should I budget for besides the down payment?

Allow for valuation or appraisal, mortgage registration and documentation, and required insurance. Your purchase may also involve separate transfer costs. Get an itemized list so you can separate loan charges from the costs of buying the property.

Does housing loan approval mean the property is risk-free?

No. Review ownership, restrictions, condition and purchase terms separately. A financing decision does not replace checking what you are buying.

Can I use extra savings to reduce my mortgage principal?

Ask about partial-prepayment rules, charges and timing. Get confirmation that the payment reduces principal rather than simply covering future installments.

Does Pesopal approve housing loans or lend me money?

No. Pesopal compares housing borrowing options and published information. The lender or programme administrator assesses your application and issues the offer. Changing our filters does not submit an application or guarantee eligibility.

What should I verify after comparing housing options on Pesopal?

Check the valuation, cash deposit, fixing period, repricing rules and insurance costs on the lender’s official website or app, then confirm your written offer. Rates, fees, limits and requirements can change after our review, Pesopal’s figures are a comparison starting point, not a binding quote.

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