PBCOM Home Loan

With PBCOM Housing Loan you can get your own dream house at affordable rates with flexible payment terms,lower monthly amortization and down payment, plus other great benefits.

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

PBCOM Home Loan

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

Product Features

  • Get a loan of up to 80% of the selling price of the property
  • Easy application with a low Income requirement of PHP50,000.00 monthly
  • Enjoy Deferred Payment Scheme wherein you will pay interest only on the first year of the loan. Payment of principal will start on the succeeding years.


Product Name:
PBCOM Home Loan
Fixed Rate Options from 1 to 5 years
Minimum Amount of Loan:
Maximum Amount of Loan:
Minimum Loan Tenure:
1 years
Maximum Loan Tenure:
20 years
Maximum Fixed Period:
1 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

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 3 years
Self - Employed for 3 years
Professional for 3 years
Employed - BPO for 3 years
Employed - OFW/Seafarer for 3 years
Applicant Must Have a Landline Phone at Home or Office:
Need to Open Linked Bank Account:
Guarantor Requirements:
Collateral Requirements:
For PBCom the following can be used as a collateral House and Lot, Townhouse, Residential Condominium Unit or Vacant Lot

Fees and Charges/Penalties

Appraisal Fee
PHP3,500.00 for Metro Manila Properties
Processing Fee
Bank Fees
Charged upon loan booking to cover processing fees, insurance premium, notarial fees, mortgage and registration fees and documentary stamp tax.

Interest Rates Offered

Interest for Fixed Period Interest Effective Interest Fixed Variable Period Interest Rate Per Year
1 year fixed period 8.00% 6.50%


What are the eligibility requirements to apply for a PBCom Housing Loan?

  • 21 – 65 years old (applicant must not be older than 65 years old upon maturity)
  • Filipino Citizen, Foreign-based Filipino, or Foreign Citizen residing in the Philippines
  • Salaried Individuals
  • Self-employed or with business
  • Minimum Gross Monthly Family Income of P50,000

What are the documentary requirements required?

Collateral Documents:

  • Clear photocopy of TCT/CCT
  • Clear photocopy of Tax Declaration
  • Lot Plan and Vicinity Map


  • Approved Building Plan
  • Bill of Materials and Specifications
  • Building Permit


  • Completely Filled out and signed application form
  • Clear photocopy of Marriage Certificate, if applicable


  • Certificate of Employment (COE) indicating compensation
  • Clear photocopy of Marriage Certificate, if applicable
  • Clear photocopy of Latest ITR or Form 2316
  • Two (2) valid government-issued IDs with photo and signature


  • Clear photocopy of Certificate of Business Registration
  • List of at least three (3) clients or suppliers with contact numbers
  • Latest ITR (clear photocopy)
  • Latest Audited Financial Statements (clear photocopy)
  • Last three (3) months Bank statements (clear photocopy)
  • Two (2) valid photo-bearing government-issued IDs with signature

Can I buy a property even outside metro manila?

  • Yes.

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

  • eCompareMo.com is the leading financial comparison website for the best bank products in the country. You will be prompted to enter detailed specifications in order to provide you with the right home loan products relevant to the information you entered. Making side-by-side comparison of bank products is now so much easier. We also provide free loan processing assistance.

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