CTBC My Family Home Loan

Chinatrust Bank Housing Loan is a trusted home loan that offers flexible financing plans that will definitely suit your lifestyle. It also provides low fixed interest rates which will give the borrower the ability to lock in long-term interest rate. Other options available are purchasing of house & lot, condominium unit or even a townhouse and even refinancing.

CTBC My Family Home Loan

Get Your Dream House With CTBC Housing Loan. Fast Application, Low Interest Rates And Convinient Home Loan Terms. Apply Today!

Product Features

  • Enjoy the benefit of rebate capped at 40% of the loan balance
  • with fixed rate program which gives you the ability to lock in long term interest rate
  • Avail of a multi-purpose loan for personal consumption using your property as collateral


Product Name:
CTBC My Family Home Loan
Housing Loan that gives Low Fixed Interest Rates.
Minimum Amount of Loan:
Maximum Amount of Loan:
Minimum Loan Tenure:
1 years
Maximum Loan Tenure:
20 years
Maximum Fixed Period:
5 years
Early Repayment:
Property Insurance Included:
Accepts Third Party Property Insurance:
Accepts Third Party Mortgage Insurance:
Does not Require Mortgage Insurance:
Payment Options:
Application Approval Time:

Eligibility and Requirements

Eligible Property Types
House and Lot
Vacant Lot
Home Loan Proceeds Can Be Used For:
Purchase of Property
Construction/Home Improvement
Reimbursement of Acquisition Cost
Home Equity

Property Types and Loan Purpose

Age Range of Borrower:
21-65 years
Minimum Annual Income:
Employment Work Status
Employed - Private Sector for 1 year
Employed - Government for 1 year
Self - Employed for 3 years
Professional for 3 years
Employed - BPO for 1 year
Applicant Must Have a Landline Phone at Home or Office:
Need to Open Linked Bank Account:
Guarantor Requirements:
Collateral Requirements:
You can use the House and Lot, Condominium and Vacant Lot as collateral for CTBC Housing Loan.

Fees and Charges/Penalties

Appraisal Fee
Processing Fee

Interest Rates Offered

Interest for Fixed Period Interest Effective Interest Fixed Variable Period Interest Rate Per Year
1 year fixed period 5.75% 0.00%
2 to 3 years fixed period 7.00% 0.00%
4 to 5 years fixed period 7.60% 0.00%

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