Buying
Home loans in the Philippines
How Pag-IBIG housing loans, bank loans and in-house financing compare.
Pag-IBIG Fund housing loan
Available to active Pag-IBIG members who meet the contribution requirements. Terms can run for many years. Check the latest rates, loan limits and requirements directly with Pag-IBIG Fund.
Bank home loans
Most major banks offer home loans with fixed rates for an initial period. Approval depends on your income, credit history and the property's appraised value. Compare offers from several banks.
In-house financing
Some developers finance the purchase themselves. Approval is usually easier, but interest rates are often higher. Read the contract carefully before signing.
Before you apply
Prepare valid IDs, proof of income (payslips, ITR or audited financial statements) and the property documents. ravelo does not provide loans or financial advice. Speak to a licensed lender about your situation.
This guide is general information, not legal or financial advice. Rules and rates change, so check with the relevant agency or a licensed professional.