BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
Approval: 5-7 banking days
Housing Loan
Comparing 9 offers. Updated May 22, 2026.
Best offers – Housing Loan 2026
BPI
BPI personal loans up to ₱2,000,000 with flexible terms
₱10K – ₱2.0M
Interest from 25.60%
Approval: 3-5 banking days
EastWest Bank
EastWest Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 1.49%
Approval: 3-5 banking days
Bank of Commerce
Bank of Commerce personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 6.75%
Approval: 3-5 banking days
Security Bank
Security Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 29.48%
Approval: 3-5 banking days
Chinabank
China Bank personal loans up to ₱2,000,000
₱50K – ₱2.0M
Interest from 5.00%
Approval: 3-5 banking days
Landbank
Landbank personal loans up to ₱10,000,000
₱10K – ₱10.0M
Interest from 10.00%
Approval: 5-7 banking days
Metrobank
Metrobank loans up to ₱10,000,000 for big financial needs
₱500K – ₱10.0M
Interest from 5.90%
Approval: 5-7 banking days
UnionBank
UnionBank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 2.00%
Approval: 3-5 banking days
Housing Loans in the Philippines
A housing loan (also called a home loan or mortgage) lets you purchase, construct, or renovate a residential property by borrowing from a bank or financial institution and repaying over a set period, typically 5 to 30 years. In the Philippines, housing loans are offered by major banks, Pag-IBIG Fund (HDMF), and private financing companies.
Pag-IBIG housing loans are especially popular among Filipino workers because they offer low interest rates (as low as 3% per annum) and flexible repayment terms of up to 30 years. Bank housing loans may offer higher loan amounts and faster processing for those who don't qualify for Pag-IBIG.
Required documents typically include a valid ID, proof of income, Certificate of Employment, ITR, and property documents. The property acts as collateral. When comparing housing loans, look at the interest rate type (fixed vs. variable), monthly amortization, total interest paid, and any prepayment penalties. Our comparison tool helps you find the most affordable housing loan in the Philippines.