Ready to apply for a home loan?

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

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.

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

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.

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

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.

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

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.

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).  

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.

• 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

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