PNB Sure Home Housing Loan

• Filipino citizen of at least 21 years old and not older than 65 years old
• Foreigner residing in the Philippines with duly accomplished Visa requirements
• Must have a stable source of income from employment or business

• Completely filled-out and signed PNB Housing Loan Application Form
• Clear photocopy of two (2) valid government issued IDs with photo
• Appraisal Fee of P3,500 - non-refundable
• If with co-maker/co-borrower/attorney-in-fact, separate application form is needed

EMPLOYED:

INCOME DOCUMENTS

• Photocopy of latest Income Tax Return (ITR)
• Certificate of Employment and Compensation
• Alien Certificate of Registration (ACR) and Official Receipt (if resident alien)

Overseas Filipino Worker

• Photocopy of Passport
• Contract / Certificate of Employment (COE) approved by the POEA, if applicable, authenticated by the Philippine Consulate (if direct hired)
• Proof of inward remittance through PNB or other banks
• Crew Contract and Exit Pass from POEA (for seafarers only)
• PNB-prescribed Special Power of Attorney (SPA), if applicable
• If SPA was executed and notarized abroad, such has to be authenticated by the Philippine Consulate

FOR THOSE BASED IN THE FOLLOWING COUNTRIES:

KINGDOM OF SAUDI ARABIA (KSA):

• The certificate of employment and salary should be stamped by the Saudi Chamber of Commerce
• Authenticated by the Philippine Consulate

USA & US TERRITORY:

• The certificate of employment & salary should be authenticated by the Phil. Consulate
• Loan applicant to fill-out the Bank’s Credit Information Authority and pay $50.00 for the Experian Report in PNB-Los Angeles Desk Office located at #3345 Wilshire Boulevard, Suite 200, Los Angeles, California 90010, USAContact Nos.: 323-802-8001Telex No.: 6502253656Fax No.: 213-401-1803Contact Person: Rowena Tabuzo

EUROPE:

• The certificate of employment and salary should be authenticated by the Phil. Consulate
• Loan applicant should fill-out the Bank’s Credit Information Authority and pay L85 for the Equifax Report in PNB-Europe Desk Office located at G/F Old Change House, 128 Queen Victoria St., London, EC4V 4HR, United KingdomContact nos.: 207-3971-340/ 41; 377/397Telex Nos.: 883981/ 8812797Fax No.: 207-653-1403Contact Person: Gloria Alwis

JAPAN:

• The certificate of employment and salary should be authenticated by the Phil. Consulate and should be with English Translation

FOR OTHER COUNTRIES / SEA - BASED:

• Certificate of Employment & Salary authenticated by the Phil. Consulate
• Proof of inward remittance thru PNB or other banks
• Crew Contract and Exit Pass from POEA (for seamen only)

SELF-EMPLOYED:

• SSS / GSIS / Driver’s License / PRC License
• Business Name (DTI) or SEC Registration whichever applies
• Articles of Incorporation, By-Laws with SEC Registration Certificate and latest General Information Sheet if applicable
• Financial Statements / Income Statement for the last 3 years
• Photocopy of the Income Tax Return (ITR) for the last 3 years
• List of Trade References (Suppliers / Customers)

PRACTICE OF PROFESSION:

• Clinic Address/es, schedules, and contact numbers (for doctors)
• Bank Statements for the last six (6) months

FROM COMMISSION:

• Vouchers or Bank Statements for the last six (6) months reflecting commission income

FROM RENTAL OF PROPERTIES:

• Submit photocopy of Lease Contracts / TCT’s of Earning Properties
• Bank Statement for the last six (6) months

FROM TRANSPORT BUSINESS:

• OR / CR
• LTFRB Franchise
• Business paper / registration
• ITR for the last two (2) years
• Bank Statement for the last six (6) months

COLLATERAL DOCUMENTS

• Two (2) sets of clear photocopy of TCT / OCT / CCT (all pages including blank pages with the book and page / volume number indicated on the front page)
• Lot Plan with Location / Vicinity Map certified by a licensed Geodetic Engineer
• Photocopy of the latest Tax Declaration / Realty Tax Receipts / Tax Clearance
• Master Deed of Declaration & Restrictions (for Condominium)
• For construction / renovation purposes:
• Building Plans (complete set) duly signed by a Civil Engineer / Architect
• Bill of Materials / Specifications / Cost Estimates duly certified by a Civil Engineer / Architect
• Scope of Work (for renovation)
• Building Permit
• Deed of Absolute Sale or Contract to Sell (purchase of lot / house and lot)

FOR REFINANCING

• Current Statement of Account
• Official Receipt or cleared checks on amortization payments made or Passbook / Bank Statement where the monthly amortization payment is debited (at least 6 months)

• Yes, you may choose to buy a property outside of Metro Manila.

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