PHILIPPINE NATIONAL BANK (PNB) HOUSING LOAN REQUIREMENTS

REQUIRED AT ALL TIMES

1. Housing Loan Application Form (duly accomplished)
2. Photocopy of 2 valid government issued ID’s
3. Appraisal Fee of P3,500 – non-refundable
4. If with co-maker/co-borrower/attorney-in-fact, separate application form is needed

IF EMPLOYED:

1. Income Documents
2. Photocopy of the latest Income Tax Return (ITR)
3. Certificate of Employment and Compensation
4. Alien Certificate of Registration (ACR) and Official Receipt (if resident alien)

Overseas Filipino Worker

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

FOR THOSE BASED IN:    

KINGDOM OF SAUDI ARABIA:

• The certificate of employment & salary should be stamped by the Saudi Chamber of Commerce; and
• 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, USA
  Contact Nos.: 323-802-8001
  Telex No.: 6502253656
  Fax No.: 213-401-1803

EUROPE:

• 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 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 Kingdom
  Contact nos.: 207-3971-340/ 41; 377/397
  Telex Nos.: 883981/ 8812797
  Fax No.: 207-653-1403

JAPAN:

• The certificate of employment & 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)

IF SELF-EMPLOYED:

1. SSS / GSIS / Driver’s License / PRC License
2. Business Name (DTI) or SEC Registration
3. Articles of Incorporation, By-Laws with SEC Registration Certificate and latest General Information Sheet if applicable
4. General Information Sheet
5. Financial Statements / Income Statement for the last 3 years
6. Photocopy of the Income Tax Return (ITR) for the last 3 years
7. 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

IF FROM COMMISSION:

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

IF FROM RENTAL OF PROPERTIES:

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

IF 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

1. 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)
2. Lot Plan with Location / Vicinity Map certified by a licensed Geodetic Engineer
3. Photocopy of the latest Tax Declaration / Realty Tax Receipts / Tax Clearance
4. Master Deed of Declaration & Restrictions (for Condominium)
5. 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

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