Home loan

Own your dream house with our fast approval home loan with payment terms of up to 20 years.

Move in sooner with no upfront fees through our
All-in financing option.

Up to 80% of value

Loan amount up to 80% of appraised value

Up to
20 years

Flexible payment terms

Loans start from 1M PHP

PHP1,000,000 minimum loan amount

Fair income requrements

PHP50,000 minimum joint gross monthly income

Quick approval

Within 10 banking days*

*Upon submission. of complete documents.

Our home loan rates

Enjoy terms that will make you feel at home with low interest rates starting at 7.00.% fixed for 1 year.

Looking to make the most of your home’s value? Borrow up to PHP10,000,000 with our Home Equity Loan.

  1 Year 3 Years 5 Years
Regular Home Loan 7.00% 7.25% 7.75%
Home Equity Loan 8.00% 8.25% 8.75%

*Rates updated as of Jan. 18, 2023

Take advantage of our no-cash-out feature with our
All-in Financing offer.

What can you do with a Security Bank Home Loan?

Buying property can be stressful. That’s why our award-winning home loan is designed to cut through the hassles of buying, building, or renovating your house.

Buy

We’ll help you get the keys to a home you can call your own. No hassles, fast application!

Build

Your plan. Your design. Together we’ll make your dream home a reality!

Renovate

Breathe new life into your home or increase its value before selling it.

Refinance

Paying high interest rates with another bank? See how much you can save by switching to us!

Housing Loan Calculator

Eligibility

  • At least 21 years old, but not more than 65 years old upon loan maturity
  • Earning a combined monthly income of PHP50,000
  • Has been continuously employed for at least 2 years
  • For the self-employed, must be operating a legitimate and profitable business for the last 3 years

How to enroll?

1

Check how much you can borrow using our calculator.

2

Choose the loan that suits your needs.

3

Complete the application and checklist. Apply online or at your nearest branch.

4

Get approved within 10 banking days!*

Ready to apply for a home loan?

Apply online now

Accredited developers

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Frequently asked questions

Home Loan

What are the rates?

  • Enjoy terms that will make you feel at home with low interest rates* starting at 7.00% fixed for 1 year.
  1 Year 3 Years 5 Years
Regular Home Loan 7.00% 7.25% 7.75%
Home Equity Loan 8.00% 8.25% 8.75%

*Updated as of Jan. 18, 2023

Fixing period is how long you want to lock in your interest rate.

How Much Can You Borrow?

  • Up to 90% of selling price – if acquisition (primary use) from top tier developers
  • Up to 80% of appraised value- if acquisition (primary use) from individual seller or non- top tier developers
  • Up to 60% of selling price or appraised value – for investment/secondary home or if loan purpose is Home Equity and acquisition of vacant lot

How to Apply

  • Start living in your new home with just 8 simple steps!
    Apply through:
  • Accredited Developers
  • Online
  • Download Home Loan Application Formtogether with the requirements and submit at a branch near you.
  1. Receive SMS on Application Status
  2. Confirm Approval Details via email
  3. Sign loan documents
  4. Open a Security Bank account
  5. Pay bank charges
  6. Submit documents for loan release
  7. Move in to your new home

What are the requirements for a Housing Loan?

Required Documents:

  • Home Loan Online Application Form
  • List of Required Documents
  • Special Power of Attorney (SPA)
  • Authorization Letter Template for Property Collateral Verification and Tax Mapping
  1. For Locally-Employed Borrowers:
  • Completely filled out and signed application form
  • Clear copy of one valid ID (photo-bearing government issued) of borrower/spouse/co-borrower/ signatories of the loan
  • Any ONE of the following income documents:
    • Latest Certificate of Employment and Compensation | Sample
    • Latest Income Tax Return
    • Latest 3 months Payslips
    • Latest 3 months Bank Statements
  • Note: to credit commission income, kindly submit latest 6 months payslips
  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents (Section E)
  1. For Self-Employed Borrowers:
  • Completely filled out and signed application form
  • Clear copy of one valid ID (photo-bearing government issued) of borrower / spouse/ co-borrower / signatories of the loan
  • Income Tax Return (1701 for sole proprietary owner; or 1702 for Corporation)
  • Any ONE of the following income documents:
    • Audited Financial Statements (Latest 1 year)
    • Bank statements (Latest 3 months)
    • Lease/Rental Contracts
  • Note: For licensed Real Estate brokers and licensed Insurance brokers, kindly submit latest 12 months proof of income to credit commission-based income
  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents (section E)
  1. For Corporate Borrowers:
  • Completely filled out and signed application form
  • Company profile: background, owners, key officers
  • SEC Registration and General Information Sheet
  • Bank Statements (latest 3 months)
  • Income Tax Return (1702 for Corporation) with Audited Financial Statements for the past 3 years
  • Suppliers contact info (with average monthly transactions)
  • Customer’s contact info (with average monthly transactions)
  • Authorization letter (for bank, business and trade checkings)
  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents (Section E)
  1. For OFW Borrowers:
  • Completely filled out and signed application form
  • Clear copy of one valid ID (photo-bearing government issued) of borrower/spouse/co-borrower/ signatories of the loan
  • Any ONE of the following income documents:
    • Certificate of Employment with compensation (issued within the last 6 months)
    • Latest Crew Contract (for seafarer/seaman)
    • Latest Employment Contract (for land-based OFWs)
    • Allotment Slip
    • Latest 3 months payslip; OR bank statement for past 3 months
  • Note: For OFWs hired directly abroad, any TWO income documents are required
  • Consularized Special Power of Attorney is needed if with attorney in fact
  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents (Section E)

Collateral Document Requirements

  • Copy of collateral title (TCT/CTC) | Sample
  • Copy of Tax Declaration on land and/or improvement | Sample: Land Condo
  • Signed Authority to Inspect and Verify (bank form)
  • Appraisal Fee paid to SBC: OR Number

Acquisition from Accredited Developer

  • Contract to Sell; or Reservation Agreement | Sample

Home Construction or Renovation:

  • Bill of Materials and Estimates of Construction and Labor Cost | Sample
  • Floor and Building Plan and Building Specifications | Sample

What are the loan terms available?

  • Minimum of 1 year
  • Maximum of 25 years for house & lot
  • Maximum of 20 years for townhouse or duplex
  • Maximum of 15 years for residential vacant lot, or condominium unit

What are the types of housing loan I can avail from the Bank?

  • Acquisition of residential house and lot, townhouse, duplex, condominium unit, or residential vacant lot House Construction
  • Refinancing/Take-out of existing housing loan from another bank
  • Reimbursement of acquisition or construction cost
  • Home Equity Loan

How can I pay for my loan?

  • Auto Debit Arrangement (ADA) – payment will be automatically deducted from your Security Bank account

How can I pay through Auto Debit Arrangement (ADA)?

  • Open an account in any Security Bank branch
  • Enroll the account as your settlement account for your housing loan upon loan booking

How are my payments/amortizations collected?

  • Equal monthly amortization of principal and interest to be collected 1 month after loan release
  • Subsequent amortization due dates shall follow the date of the first amortization

 

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