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Easy Home Loan helps you buy or construct your dream house. It also allows existing homeowners to refinance their current and existing home loan from other banks or financing firms or developers' in-house financing.

Eligible Borrowers

• Filipino citizens
• 21 years old (must not be more than 65 years of age upon loan's maturity)
• Borrowers who are either gainfully employed or with lawful and profitable business

Loan Purpose

For the purchase of:

• Townhouse
• Condominium unit
• Lot, House and lot
• Other residential unit
• Construction of a residential building on a lot owned by the borrower
• Refinancing of existing housing loan with other banks or financing firms or developers' in-house financing-provided account is in "current status"

Loanable Amount

Minimum of P500,000.00

For Private Applicants:
The borrowing capacity of the individual borrower and his/her spouse (if applicable) shall be based on the 30% of the verified Gross Monthly Income for private applicants gross monthly income

For Government Employees:
The borrowing capacity shall be based on the amount as required by GAA, after housing loan amortization

Tenor

The loan shall have a maximum term of 20 years, provided the combined age of the borrower and the term loan shall not exceed 65 years

Collateral

The loan shall be secured by residential/commercial real estate properties acceptable to LANDBANK

DOCUMENTARY REQUIREMENTS

Employed individuals:

• Personal Information Data Sheet
• Certificate of employment
• Latest pay slip indicating net take home pay of borrower
• Any two of the following latest Billing Statements:
  • Electric Bill
  • Phone Bill
  • Water Bill
  • Credit Card Bill
  • TV Subscription Bill

  Private individuals owning their business / With established source of income:

  • Business Registration and Licenses
  • Biodata
  • BIR-stamped Financial Statements and Income Tax Returns for the last three years

  Others

  Applicable for both employed and private individuals with business

  • For Condos:
    • Master Deed of Restriction
    • Building and Unit Floor Plan
    • HLURB Permit to Sell
    • HLURB Locational Clearance

    PROVINCE	SERVICING LENDING CENTER
    NCR	Mortgage Banking Department
    La Union	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">La Union Lending Center
    Benguet
    Ilocos Norte	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Ilocos Sur Lending Center
    Ilocos Sur
    Abra
    Pangasinan	Pangasinan Lending Center
    Kalinga	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Cordillera Administrative Region Lending Center
    Apayao
    Mt. Province
    Batanes	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Cagayan Lending Center
    Cagayan
    Isabela	Isabala Lending Center
    Quirino	Quirino Lending Center
    Nueva Vizcaya	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Nueva Vizcaya Lending Center
    Ifugao
    Nueva Ecija	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Nueva Ecija Lending Center
    Aurora
    Tarlac	Tarlac Lending Center
    Bataan	Bataan Lending Center
    Zambales	Zambales Lending Center
    Pampanga	Pampanga Lending Center
    Bulacan	Bulacan Lending Center
    Batangas	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Batangas Lending Center
    Romblon
    Occidental Mindoro	Occidental Mindoro Lending Center
    Oriental Mindoro	Oriental Mindoro Lending Center
    Cavite	Cavite Lending Center
    Palawan	Palawan Lending Center
    Rizal	Rizal Lending Center
    Laguna	Laguna Lending Center
    Quezon	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Quezon Lending Center
    Marinduque
    Albay	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Albay Lending Center
    Sorsogon
    Catanduanes
    Masbate
    Camarines Norte	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Camarines Lending Center
    Camarines Sur
    Capiz	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Capiz Lending Center
    Aklan
    Iloilo	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Iloilo Lending Center
    Antique
    Guimaras
    Negros Oriental	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Negros Oriental Lending Center
    Siquijor
    Negros Occidental	Negros Occidental Lending Center
    Bohol	Bohol Lending Center
    Cebu	Cebu North and South Lending Center
    Leyte	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Leyte Lending Center
    Southern Leyte
    Biliran
    Northern Samar	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Samar Lending Center
    Eastern Samar
    Western Samar
    Zamboanga del Norte	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Zamboanga del Norte Lending Center
    Misamis Occidental
    Zamboanga del Sur	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Zamboanga del Sur Lending Center
    Zamboanga Sibugay
    Basilan	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Zamboanga City Lending Center
    Tawi-tawi
    Sulu
    Bukidnon	Bukidnon Lending Center
    Agusan del Norte	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">CARAGA North Lending Center
    Surigao del Norte
    Dinagat Islands
    Agusan del Sur	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">CARAGA South Lending Center
    Misamis Oriental
    Camiguin
    Cagayan de Oro	Cagayan de Oro Lending Center
    Lanao del Norte	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Lanao Lending Center
    Lanao del Sur
    Davao del Norte	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Davao del Norte Lending Center
    Davao de Oro
    Davao Oriental
    Davao del Sur	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">Davao Lending Center
    Davao Occidental
    North Cotabato	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">North Cotabato Lending Center
    Maguindanao
    South Cotabato	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">South Cotabato Lending Center
    Sultan Kudarat
    General Santos City	solid solid none; border-width:0.5pt 0.5pt medium; padding-top:1px; padding-right:1px; padding-left:1px; white-space:nowrap">General Santos Lending Center
    Sarangani

    

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