Prevailing Home Loan rate at the time of loan approval
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Employee in the Philippines who have worked for at least two (2) consecutive years Self-employed (Sole Proprietorship) OFWs who have worked abroad for at least two (2) consecutive years
Who can apply for a Housing Loan?
Accomplished MSB Housing Loan Application Form
Lastest Certificate of Employment (COE)
Photocopy of Transfer/Condominium Certificate of Title (TCT/CCT)
Contract to Sell/Reservation Agreement (if acquiring from an accredited developer)
Copy of Court Decision on Annulment and Certificate of Finality of Decision (if annulled)
Copy of Court Decision on Legal Separation and Certificate of Finality of Decision (if legally separated)
Cash or Check payable to Malayan Savings Bank, Inc. as non-refundable payment for appraisal fees
General Requirements to Prepare
Valid photo-bearing IDs with signature
(Accepted IDs: Passport, Driver’s License, Professional Regulation Commission (PRC) ID Card, Social Security System (SSS) Card, Government Service Insurance System (GSIS) e-Card, Voter’s ID, Integrated Bar of the Philippines (IBP) ID, Seaman’s Book, Government Office ID, Alien Certificate of Registration/Immigrant Certification of Registration, Company ID, Government-owned or Controlled Corporation (GOCC) ID, Unified Multi-purpose Identification Card)
Additional Requirements to Prepare
For employed applicants:
Latest Certificate of Employment (COE)
Income Tax Return or BIR Form 2316
For applicants in business or in professional practice:
Latest BIR Form 1701 with BIR stamp
Latest Audited Financial Statement with BIR stamp
For Refinancing:
Proof of Payment of Amortization for the last three (3) months
Latest Statement of Account from Mortgage
For Construction Loan:
Floor and Building Plans
Bill of Materials
Building Specifications
Estimates of Construction and Labor Costs
For overseas Filipino applicants (non-immigrant/contractual worker):
Consularized Certificate of Employment Job Contract Non-consularize Certificate of Employment and Payslip or Proof of Remittance for the past three (3) to six (6) months Latest Income Tax Return
Any of the following:
For overseas Filipino applicants (Immigrant):
Certificate of Employment and any of the following:
Bank’s Statement of Deposit Notarized Financial Statement made by the business owner