Home loan

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

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 requirements

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%

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 home loan 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

I want to know your banking hours

For the latest update on branch information, such as operating hours, please refer to our updated branch directory, click here

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%

Don’t miss our ongoing special Home Loan Rate & Rebate Promo. For more details, visit https://www.securitybank.com/personal/loans/home-loan-housing-mortgage/special-rate-rebate-promo/?websource=home-loan-faq to learn more.

What does fixed period mean?

The fixed period is the number of years an approved interest rate will be applied to your loan. After each fixed period until maturity, your loan will be subject to repricing, which a new rate will be applied to the next fixed period.

How much can I borrow?

Your loanable amount, or the amount you can borrow is a percentage (%) of the property’s appraised value.

  • 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 the selling price or appraised value – for investment/secondary home or if loan purpose is Home Equity and acquisition of a vacant lot
How to Apply?

Begin your journey to your new home easily, by following these 8 easy steps!

1. Apply through our official channels:

  • Accredited Developers
  • Online via our official website, click Home Loan Application
  • At the branch. Just download and complete the Home Loan application Form and submit it with the requirements at a branch near you.

2. Wait for the approval sent via SMS or your registered email address.

3. Confirm your loan approval details via email.

4. Sign the necessary loan documents.

5. Set up your Security Bank account to pay your monthly amortization.

6. Pay any necessary bank charges

7. Submit the required documents for the loan release.

8. Move into your new home.

What are the required documents?

To ensure a hassle-free application process, please make sure to bring all the necessary requirements listed below:

Required Documents:  

1. Home Loan Online Application Form

2. List of Required Documents

3. Special Power of Attorney (SPA)

4. Authorization Letter Template for Property Collateral Verification and Tax Mapping

 

A. For Locally-Employed Borrowers

  • 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
  • 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)

B. For Self-Employed Borrowers

  • 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 the latest 12 months' proof of income to credit commission-based income

  • Mortgage Redemption Insurance (MRI) Application Form
  • Relevant collateral documents (Section E)

C.  For Corporate Borrowers

  • 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)

D. For OFW Borrowers

  • 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)

E. Collateral Document Requirements

  • Copy of collateral title (TCT/CTC)
  • Copy of Tax Declaration on land and/or improvement
  • 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  

Home Construction or Renovation

  • Bill of Materials and Estimates of Construction and Labor Costs
  • Floor and Building Plan and Building Specifications

Loan take-out/ Home equity

  • Proof of amortization payments for the last 3 months
  • Statement of Account from Mortgagee Bank
What are the loan terms available?

The minimum term is 1 year, while the maximum tenor will depend on the type of property you are purchasing: 

  • For house and lot, the maximum term is 25 years.
  • For townhouse or duplex, the maximum term is 20 years.
  • For residential vacant lot or condominium unit, the maximum term is 15 years.
What are the other purposes of a Housing Loan?

You can avail of a housing loan to: 

  • Purchase a residential house and lot, townhouse, duplex, condominium unit, or residential vacant lot
  • Construct a new house
  • Refinance or take out an existing housing loan from another bank
  • Reimburse for acquisition or construction expenses
  • Home equity loan
How can I pay for my loan?

Your loan amortization will be collected via an Auto Debit Arrangement (ADA) using a Security Bank account.  You may visit your nearest Security Bank branch for more details.

How are my payments / amortization collected?

The first loan amortization will be collected a month after your loan is released and will continue to be collected every month until the end of your loan term.

Please be aware that the loan amortization amount will change subject to the rate applied at repricing (after your fixed period).  

Do you have a list of valid IDs?

To proceed with your application, we will require either one (1) Primary ID or two (2) Secondary IDs from the accepted IDs, which can be found here.

Please be reminded that the submitted valid IDs will be used solely to process your application.

What are the fees and charges that I have to pay?
  • Appraisal Fee: PHP3,500 within Metro Manila, PHP4,000 outside Metro Manila
  • Amendment Fee:
    • PHP3,500 - For any changes to the loan terms and conditions after the loan has been booked OR for any changes on HLPM-approved accounts after documentation
    • PHP5,000 - For any changes in broker code, subject to approval
  • Other fees and charges: Estimated 2.5% to 3% of the approved Loan Amount
  • Real Estate Mortgage Fees
  • Mortgage Redemption Insurance
  • Fire Insurance/ Construction All Risk
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

For detailed information and answers to frequently asked questions about collateral release, please refer to our Help Centre.

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