EastWest Bank Home Loan

EastWest Bank Housing Loan can help you achieve the house you’ve always wanted at cheaper and competitive rates. Enjoy flexible payment terms, low interest rates, and fixed interest rate within your chosen payment period even for as long as 30 years with no lock-in period.

If you are looking for housing loan in the Philippines other than EastWest Bank, eCompareMo can help you with it. Ask us today and we will guide you every step of the way.

EastWest Bank Home Loan

Get Your Dream Home With EastWest Bank Home Loan. Fast Application, Low Interest Rates And Convinient Home Loan Terms. Apply Today!

Product Features

  • Loan amount as high as 80% of the appraised value of the property
  • Enjoy the lowest interest at 5.50% 1 year re-pricing
  • Flexible re-payment scheme wherein principal and interest can be adjusted upward or downward depending on the interest charge on the interest charge of the specific period


Product Name:
EastWest Bank Home Loan
Payment terms for up to 30 years
Minimum Amount of Loan:
Maximum Amount of Loan:
Minimum Loan Tenure:
1 years
Maximum Loan Tenure:
30 years
Maximum Fixed Period:
30 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
Top-up Loan

Property Types and Loan Purpose

Age Range of Borrower:
21-65 years
Minimum Annual Income:
Employment Work Status
Employed - Private Sector for 2 years
Employed - Government for 2 years
Self - Employed for 2 years
Professional for 2 years
Employed - BPO for 2 years
Employed - OFW/Seafarer for 2 years
Applicant Must Have a Landline Phone at Home or Office:
Need to Open Linked Bank Account:
Guarantor Requirements:
Collateral Requirements:
For housing loan application at EastWest Bank the ff are the collaterals either a Vacant Lot, Condominium, Townhouse or House and Lot.

Fees and Charges/Penalties

Appraisal Fee

Interest Rates Offered

Interest for Fixed Period Interest Effective Interest Fixed Variable Period Interest Rate Per Year
1 year fixed period 6.50% 0.00%
2 to 3 years fixed period 7.12% 0.00%
4 to 5 years fixed period 7.62% 0.00%
6 to 10 years fixed period 8.12% 0.00%
11 to 15 years fixed period 9.25% 0.00%
16 to 20 years fixed period 10.62% 0.00%
21 to 25 years fixed period 10.62% 0.00%
26 to 30 years fixed period 10.62% 0.00%


What are the eligibility requirements to apply for an EastWest Bank Housing Loan?

  • Applicant must be of legal age at the time of loan application
  • Must be a regular employee (locally or OFW) within the current company
  • Self-employed applicants must have operating and profitable business

What are the documentary requirements?

General Requirements:

  • Completely filled-out and signed EastWest Bank Home Loan Application Form
  • Clear copy of marriage contract, if applicable
  • Clear Copy of valid Identifications (photo-bearing Government IDs)

Locally Employed

  • Clear Copy of Certificate of Employment with Compensation indicating position and tenure
  • Clear Copy of Latest Income Tax Return

Self - Employed

  • Clear Copy of Income Tax Return
  • Latest Financial Statements for two (2) years
  • Business Registration Papers: DTI or SEC, whichever applies
  • Clear Copy of Bank Statement for the last 6 months with authorization to conduct bank verification
  • List of trade references (3 supplies and customers with contact persons and contact numbers)

For OFW Borrowers

  • Consularized Special Power of Attorney, if applicable
  • Consularized Certificate of Employment with Compensation (COEC) with original 6 month payslip or remittances
  • If Seaman, Crew contract validated by POEA

Required Collateral Documents

  • Clear Copy of Title for collateral (TCT for land title / CCT for condo titile)
  • Appraisal Fee Official Receipt (OR)
  • Other collateral documents might be required upon loan booking (i.e. photocopy of tax declaration on lot and/or improvements, lot plan with vicinity map signed by a Geodetic Engineer, or master deed of declaration for condo units)

For Developer Accredited Projects (You need to submit the following)

  • Contract to Sell
  • Reservation Agreement
  • Statement of Account
  • Endorsement Letter


For Home Construct:

  • Estimate of Bill of Materials
  • Other additional documents might be required upon loan booking (i.e. Building Plans or Job/Work Specification)

For Refinancing / Take-out:

  • History of payments either OR's or cleared checks with Bank Statement or Ledger for the last 6 months
  • Updated Statement of Account

For Rental / Leasing Business

  • Contract of Lease
  • Copy of the Title of the property

For Practicing Doctor

  • Clinic address and schedules

For Income from Rental Properties

  • Photocopy of TCT/CCT
  • Rental or Lease contract with complete address, name of tenants and rental amount

For Income from Transportation Business

  • LTFRB franchise/s
  • LTO Certificate of Registration and Official Receipt (OR-CR)

For Income from Commissions

  • Bank Statements and vouchers for the past 6 months indicating commissions
  • Photocopy of TCT/CCT for collateral documents
  • Appraisal fee official receipt
  • Tax Declaration
  • Bill of Materials/Cost Estimate
  • Building Plan/Renovation Plan
  • General Specification/Scope of Work
  • Other Collateral documents may be required upon loan booking

Can I buy a property even outside Metro Manila?

  • Yes, you may own a property outside of Metro Manila.

How can eCompareMo help me to get the best Home loan Deal?

  • eCompareMo.com is for people who are looking for the best bank products in the country. The comparison portal on the website lets you enter your personal specifications and produces relevant results for your needs. What’s more, we’ve gone the extra mile by providing you with FREE application processing assistance through our dedicated Sales Team.

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