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