LOANS
Home Loan
Whether it's a house and lot, a condominium, a townhouse, or even a vacant lot for future construction, we know that having your dream home is important to you, and we'll help you turn it into reality.
Why Loan with EastWest?
Financing Terms Up To 30 Years
Make your amortization light and easy by stretching your loan term up to 30 years.
Fixed Term Rate Options
Choose your own fixed term rates and protect yourself against frequent rate fluctuations.
Competitive Interest Rate
Get your dream home with interest rates as low as 9%
What you need to know?
Home Loan Rates
| Term | Rate |
|---|---|
| 1 Year | 7.00% |
| 2-3 Years | 7.75% |
| 4-5 Years | 7.99% |
*Indicative rates are subject to change without prior notice.
Loan Purpose
Home Acquire/ Condo Acquire
A loan used to finance the acquisition of a house, townhouse, condominium, or a residential apartment (with a maximum of four doors)
Lot Acquire
A loan used to finance the purchase of a residential lot
Home Construct
A type of loan used for home construction
Reimbursement
A loan used to reimburse the borrower for his/her purchase of a residential property bought within 1 year based on the transferred TCT/CCT
Home Equity
A multi-purpose loan for personal consumption such as, but not limited to, travel, medical treatment, education, business loans, etc.
Top-up Loan
Availment of the paid-off portion of the existing loan for any purpose
How to apply for an Home Loan?
Choose the rate, term, and payment option suitable for you.
Fill out and submit the application form.
Wait for our confirmation and we'll take care of everything.
Home Loan Calculator
Plan your Home purchase confidently! Calculate your monthly payments hassle-free with our home loan calculator.
- Duly-accomplished Application Form
- Two (2) valid Government-issued IDs
- If Purpose is Refinancing/Loan Take-out
- Latest Statement of Account from Mortgagor
- Proof of payment for the last 6 months (Official Receipts or cleared checks with Bank
- Statements or Ledger)
- If Self-Employed
- Business Registration(SEC/DTI)
- Audited Financial Statements for the last 2 years
- Updated Interim Financial Statement if most recent AFS is more than 6 months
- Latest 6-month bank statements w/authorization to conduct bank verification
- List of trade references(at least 3 suppliers and 3 customers with telephone numbers and
- contact persons)
- Articles of incorporation and By-laws
- If Locally Employed
- Certificate of Employment w/ Compensation (COEC) indicating position and length of service
- Latest Income Tax Return (ITR)
- If OFW - Direct Hire
- COEC w/ original 6-month remittances; or
- COEC w/ original 6-month payslips; or
- Consularized Certificate of Employment w/ Compensation (COEC)
- If OFW – Seaman
- Crew Contract validated by POEA
- Attorney-in-fact's ID and application form
- If Practicing Doctor
- Clinic Address/es and schedule/s
- If Earning from Rental of Properties
- Rental/Lease Contract (indicating name of tenants and rental amounts with complete
- addresses of properties being rented)
- Photocopy of title (CCT/TCT)
- If Earning from Transport Business
- LTO Certificate of Registration (CR) and Official Receipt (OR)
- LTFRB Franchise/s
- If Earning from Commissions
- Vouchers and bank statements (for the last 6 month reflecting commissions)
- Photocopy of Title for Collateral (TCT for land title/CCT for condo title)
- Appraisal Fee Official Receipt (OR)
- Tax Declaration (Land and Building)
- For Construction Loan:
- Bill of Materials or Cost Estimate
- Building Plan or Renovation Plan
- General Specification or Scope of Work
- If buying from accredited developer - waived appraisal fee:
- Copy of CTS
- Copy of SOA/Payment Schedule
- If buying from secondary market/individual seller:
- Copy of Title
- Appraisal fee payment - Php 3,500 Metro Manila / Php 5,000 outside Metro Manila
*Other collateral documents will be required prior to loan booking i.e. Latest Tax Receipt, Latest Tax Clearance, Lot Plan with vicinity map signed by a Geodetic Engineer, or Master Deed of Declaration for condo units.
Need more help?
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