Pre-Approval Requirements
Basic Requirements
 Signed application form
Photocopy of 1valid government-issued ID with photo & signature
Marriage Contract, if applicable
Income Documents
If locally employed
Latest Income Tax Return OR BIR Form 2316 OR Payslip for at least three (3) months
Certificate of Employment and Income (COEI)
If employed abroad
Latest Crew Contract & Employment History (for seamen)
Employment Contract duly Authenticated by Phil. Consulate (for nurse & contract workers)
Proof of remittance or allotment slips or payslips for the past three (3) months
If self-employed or owns a business
Photocopy of Audited Financial Statements (AFS) for the last two (2) years with latest ITR with BIR or Bank Stamp
Single Proprietorship – Certificate of Business Registration with DTI
Bank statements or photocopy of passbook for the past six (6) months
Proof of other income, if any
If with Dual Citizenship
Philippine Passport or any valid ID showing citizenship
Proof of income (3 months payslip, Certificate of Employment, 6 months bank statements, latest ITR or its equivalent)
Collateral Documents
Copy of TCT / CCT
For Construction Loan
Building Plan or Floor Plan
Bill of Materials and Labor Cost
Building specifications certified by Architect/Civil Engineer
Others
Owner's Collateral Appraisal Authorization
For refinancing/loan take-out, statement of account and official receipts for the last three (3) months
Copy of Lease Contracts and Title income from rented/leased properties ( if applicable)
Appraisal Fee
Post Approval Requirements
Original copy of TCT/CCT
Certified true copy of latest Tax Declaration on land and improvement
Updated Real Estate Tax Receipt (RETR)
Original Tax Clearance
Master Deed of Declaration (for condominium only)
Insurance Requirements
Mortgage Redemption Insurance (MRI) - equal to loan amount
Fire Insurance - equal to the appraised value of the improvement
 Contractor's All Risk Insurance - for construction loan only (to be converted into Fire Insurance upon project completion)
Master Fire Policy - for condominiums only
All insurances to be endorsed to the Bank.
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