housing loan

At Top Bank, we understand that a home is more than just a place—it’s where memories are made. Whether you’re purchasing your first home, expanding your space for a growing family, or investing in a property, our housing loans are tailored to help you achieve your goals. With flexible terms, affordable rates, and personalized guidance, we make financing your dream home simple and stress-free.

Loanable amount

Minimum Loan Amount: Php 300,000.00
Maximum Loan Amount: 70% to 80%
*depending on property value

Loan term

12 to 240 months

interest rate

Prevailing rate upon application

payment options

  • Post Dated Checks
  • Auto Debit Arrangement

eligibility

  • Must be a Filipino Citizen
  • 21 to 64 years old (must not be more than 65 years old upon loan maturity)
  • If employed, must be a permanent / regular employee with 2 years tenure
  • If self employed, business must be at least 3 years operational
  • Minimum monthly income: Php30,000.00 (combined)

requirements

  • Top Bank HL Application Form
  • Valid Primary ID with 3 specimen signature
  • Billing Statement

Employed

  • Certificate of Employment with Compensation
  • 2 recent payslips
  • Latest filed 2316 BIR Form / ITR
  • Latest POEA Contract (for Seafarers)
  • Seaman’s Book (for Seafarers)
  • Latest 6 months proof of remittance (OFW and seafarers)

Self Employed / Professional

  • DTI Registration
  • Articles of Incorporation, By Laws, GIS (If Corporation)
  • Latest 3 years ITR with Audited Financial Statements
  • Latest 6 months Bank statements
  • Trade References (Suppliers and Customers)
  • Latest 6 months vouchers and BIR 2307 Form (if Professional)

Loan Calculator
Would you like to apply for a loan? Contact us today! housing.loans@topbank.com.ph