Home loan all-in financing

Get your dream home with immediate no cash-out,
saving you money that you can use for your other financial priorities.

 

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.

 

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 now

Frequently 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.

 

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.

Search

AllHome - Agro
AllHome - Antipolo
AllHome - Bacolod
AllHome - Bataan
AllHome - Butuan
AllHome - Cabanatuan
AllHome - Cauayan
AllHome - CDO
AllHome - Cebu
AllHome - Dasmariñas
AllHome - Evia
AllHome - Gapan
AllHome - General Santos
AllHome - General Trias
AllHome - Global South
AllHome - Iloilo
AllHome - Imus
AllHome - Kawit
AllHome - Koronadal
AllHome - Las Piñas
AllHome - Libis
AllHome - Malolos
AllHome - Mintal
AllHome - Naga
AllHome - North Molino
AllHome - Pampanga
AllHome - QC
AllHome - QuickFix Camella East
AllHome - QuickFix Farm
AllHome - QuickFix M1 Annex
AllHome - QuickFix Masibay
AllHome - QuickFix Springville
AllHome - QuickFix Symphony
AllHome - QuickFix Venezia
AllHome - Salawag
AllHome - San Ildefonso
AllHome - Santiago
AllHome - Shaw
AllHome - Silang
AllHome - SJDM
AllHome - South Molino
AllHome - Sta. Maria
AllHome - Sta. Rosa
AllHome - Sto. Tomas
AllHome - Taguig
AllHome - Tanza
AllHome - WCC
AllHome - QuickFix Citta Italia

  • Aerophone - Ayala Center Cebu
  • Aerophone - Cybertech Quezon City
  • Aerophone - SM Cebu
  • Aerophone - SM Manila
  • Aerophone - SM San Lazaro

This will close in 0 seconds

  • CYA Industries Inc - Bacolod
  • CYA Industries Inc - CDO
  • CYA Industries Inc - Cebu
  • CYA Industries Inc Showroom - Shangrila
  • My Homedepot - Baliuag Tangos
  • My Homedepot - Alabang Zapote
  • My Homedepot - Angono
  • My Homedepot - Barrera
  • My Homedepot - Batangas
  • My Homedepot - Cabanatuan
  • My Homedepot - Calapan
  • My Homedepot - Caloocan
  • My Homedepot - Candelaria
  • My Homedepot - Candon
  • My Homedepot - Daet
  • My Homedepot - Dasma
  • My Homedepot - Fairview
  • My Homedepot - Guagua
  • My Homedepot - Gumaca
  • My Homedepot - Iba
  • My Homedepot - Imus
  • My Homedepot - Los Banos
  • My Homedepot - Malasiqui
  • My Homedepot - Marikina
  • My Homedepot - Mayapyap
  • My Homedepot - Nayon Nova
  • My Homedepot - Niog 3
  • My Homedepot - Novaliches
  • My Homedepot - Pasong Putik
  • My Homedepot - Olongapo
  • My Homedepot - Palanginan
  • My Homedepot - Pilar
  • My Homedepot - Paranaque
  • My Homedepot - Pulilan
  • My Homedepot - Roxas
  • My Homedepot - San Jose
  • My Homedepot - San Marcelino
  • My Homedepot - San Rafael
  • My Homedepot - Santiago
  • My Homedepot - Silang
  • My Homedepot - Sorsogon
  • My Homedepot - Sta Cruz
  • My Homedepot - Tarlac
  • My Homedepot - Taytay
  • My Homedepot - Urdaneta

This will close in 0 seconds

  • Petbuddy Antipolo
  • Petbuddy Bataan
  • Petbuddy Dasmariñas
  • Petbuddy Evia
  • Petbuddy Malolos
  • Petbuddy North Molino
  • Petbuddy South Molino
  • Petbuddy Springville
  • Petbuddy Sta. Rosa
  • Petbuddy Taguig

This will close in 3 seconds

  • Allbikes Evia
  • Allbikes Sta Rosa

This will close in 0 seconds

  • Allsports Bataan
  • Allsports Evia
  • Allsports Malolos
  • Allsports Nomo
  • Allsports Sjdm
  • Allsports Taguig
  • Alltoys Bataan
  • Alltoys Evia
  • Alltoys Malolos
  • Alltoys Nomo
  • Alltoys Sta. Rosa
  • Alltoys Taguig

This will close in 1 seconds

  • Finds - Bataan
  • Finds - Dasmarinas
  • Finds - General Trias
  • Finds - Iloilo
  • Finds - Las Pinas
  • Finds - Malolos
  • Finds - Naga
  • Finds - NOMO
  • Finds - Shaw Blvd.
  • Finds - SJDM
  • Finds - Sta.Rosa
  • Finds - Taguig

This will close in 0 seconds

  • Market Liberty - Evia

This will close in 0 seconds

  • No Name - Bataan
  • No Name - Dasmarinas
  • No Name - Pampanga
  • No Name - Sta. Rosa

This will close in 0 seconds

  • The Athlete'S Foot - Bataan
  • The Athlete'S Foot - Evia
  • The Athlete'S Foot - Sta Rosa

This will close in 0 seconds

  • Pull And Bear - Cebu
  • Pull And Bear - SM Megamall
  • Pull And Bear - Trinoma

This will close in 0 seconds

  • Zara - Cebu
  • Zara - Glorietta
  • Zara - Greenbelt
  • Zara - SM Megamall
  • Zara - SM Mall of Asia
  • Zara - ONE BHS, BGC
  • Zara - Rockwell
  • Zara - Shangrila
  • Zara - Trinoma

This will close in 0 seconds

  • Massimo Dutti - Greenbelt 5
  • Massimo Dutti - Rockwell

This will close in 0 seconds

  • Bershka - Cebu
  • Bershka - Glorietta
  • Bershka - Megamall
  • Bershka - Mall of Asia
  • Bershka - Shangrila

This will close in 0 seconds

  • Stradivarius - SM Aura
  • Stradivarius - Glorietta
  • Stradivarius - Megamall
  • Stradivarius - Shangrila

This will close in 0 seconds

  • Mandaue Foam - Butuan
  • Mandaue Foam - Cebu
  • Mandaue Foam - Banilad
  • Mandaue Foam - Bohol
  • Mandaue Foam - Cebu
  • Mandaue Foam - Quimpo
  • Mandaue Foam - Shaw Blvd.
  • Mandaue Foam - (Philfoam) Cainta, Rizal
  • Mandaue Foam - (Philfoam) Las Pinas
  • Mandaue Foam - (Philfoam) Lipa, Batangas
  • Mandaue Foam - (Philfoam) Quezon Avenue

This will close in 0 seconds

  • Our Builders Warehouse - Bocaue
  • Our Builders Warehouse - Guiguinto
  • Our Builders Warehouse - Mabalacat
  • Our Builders Warehouse - Malolos
  • Our Builders Warehouse - Tagaytay
  • Our Builders Warehouse - Dasmarinas

This will close in 0 seconds

  • 158 Designers Blvd - Pasay

This will close in 0 seconds

  • Anne Klein - Rockwell

This will close in 0 seconds

  • Armani Exchange - Rockwell

This will close in 0 seconds

  • Bobbi Brown - SM Mall of Asia

This will close in 0 seconds

  • Charriol - Rockwell
  • Charriol - Pasay

This will close in 0 seconds