Home Loan All-in Financing overview
Home Loan All-in Financing is an option that will allow qualified clients to include upfront bank fees as part of their loanable amount and made payable throughout the loan term.*
*Mortgage Redemption Insurance (MRI) and Fire Insurance premiums are only included in the first year’s monthly amortization.
Upfront Fees and Charges included
- Documentary Stamp Tax on REM and PN
- Mortgage Registration Fees
- Notarial Fees on REM and PN
- Processing Fees
- Cancellation Fees
- Mortgage Redemption Insurance premium for the first year
- Fire Insurance Premium for the first year
Appraisal fees are not included and must be paid upon submitting your home loan application, if applicable.
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Features and services
No immediate cash-out
No immediate cash-out needed. Less hassle, less worries.
All-in charges
Multiple bank fees and charges can be included.
Start with no fees
No need to pay bank fees at the start of your home loan.
Ready to apply for a home loan all-in financing?
Apply online nowFrequently asked questions
What is a Home Loan All-in Financing?
Home Loan All-in Financing is a convenient option that will allow qualified clients to include upfront bank fees as part of their loanable amount and made payable throughout the loan term.*
*Mortgage Redemption Insurance (MRI) and Fire Insurance premiums are only included in the first year’s monthly amortization.
Who can apply for a Home Loan All-In Financing?
Anyone can apply for the Home Loan All-in Financing provided they meet the eligibility and document requirements for a Housing Loan. Make sure to inform your loan account officer that you are interested to avail of this financing option.
How will I know if I qualify for Home Loan All-In Financing?
All-in-financing includes all your upfront bank fees to form part of your approved loanable amount. If the approved loanable amount is fully consumed for your home purchase. renovation etc., then you cannot avail of this financing option.
What bank fees and charges can be included in the Home Loan All-in Financing?
The following fees and charges are included in the Home Loan All-in Financing loan amount:
- Documentary Stamp Tax on Real Estate Mortgage (REM) and Promissory Note (PN)
- Mortgage Registration Fees
- Notarial Fees on Real Estate Mortgage (REM) and Promissory Note (PN)
- Processing Fees
- Cancellation Fees
- Mortgage Redemption Insurance premium for the first year
- Fire Insurance Premium for the first year
Appraisal fees are not included and must be paid upon submitting your home loan application, if applicable.
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How does All-in Financing work?
No need to pay bank fees at the start of your home loan. Bank fees will be automatically included in your monthly loan amortization and spread out over the term of the loan.*
The HOME LOAN ALL-IN FINANCING LOAN AMOUNT shall be equal to the original loan amount plus all computed bank fees.
Below is a sample illustration of a housing loan under Home Loan All-In Financing:
| Selling Price of property | PHP3,750,000 |
| LTV | 77%* |
| Original Loan Amount | PHP2,887,500 |
| Bank Fees (3% of the loan amount) | PHP86,625 |
| All-in Loan Amount | PHP2,974,125 |
| LTV with Bank Fees | 79% |
*Maximum LTV or Loan to Value is up to 90%. Standard loan to value applies depending on the borrower, the collateral, and intended use.
What happens if the All-In Financing loan amount is insufficient to pay for the bank fees?
The Borrower will shoulder the difference in the bank fees. Clients can pay for the difference over the counter at any Security Bank branch.