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*Rates are subject to change without prior notice.
Requirements
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Requirements
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Why should I apply for OPHL?
✓ Apply and manage your loan from Japan
✓ The only institution who can pay your purchased property in the Philippines
✓ Open to Filipinos, Locals, and Foreigners working in Japan
Why should I apply for OPHL?
✓ Apply and manage your loan from Japan
✓ The only institution who can pay your purchased property in the Philippines
✓ Open to Filipinos, Locals, and Foreigners working in Japan
Partner Developers
More than 300 accredited developers within the Philippines
Partner Developers
More than 300 accredited developers within the Philippines
Contact Us
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Mita43MT Building 1F, 3-13-16 Mita, Minato-ku, Tokyo 108-0073 Japan
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090-6073-5023 (Filipino)
090-2167-6243 (Filipino)
090-6073-5012 (Japanese)
(9am-5:45pm, except weekends and holidays)
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Contact Us
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Mita43MT Building 1F, 3-13-16 Mita, Minato-ku, Tokyo 108-0073 Japan
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090-6073-5023 (Filipino)
090-2167-6243 (Filipino)
090-6073-5012 (Japanese)
(9am-5:45pm, except weekends and holidays)
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Frequently Asked Questions
Frequently Asked Questions
The Own a Philippine Home Loan Program is a financing program unique to PNB. It allows Filipinos and non-Filipinos residing and working in Japan an easy way to obtain a bank financing of residential and or investment of real estate in the Philippines.
Proceeds of the loan will be released directly to the Seller/Developer in Philippine Pesos while, monthly loan payments by borrowers will be in Japanese Yen.
Proceeds of the loan will be released directly to the Seller/Developer in Philippine Pesos while, monthly loan payments by borrowers will be in Japanese Yen.
Loan Purpose
✓ Purchase of Lot, House & Lot, Condominium, Townhouse or Rowhouse
✓ House Construction or Home Improvement
✓ Refinancing of a Philippine Peso home mortgage loan
✓ Reimbursement of Acquisition or Construction Cost
- Filipinos in Japan with working, long-term/permanent residence, during mission, Investors/Business Managers, designated activities visas and who are gainfully employed;
- Filipino spouses of Japanese and other nationalities, (Spouses should both be the borrowers);
- Japanese and other nationalities working in Japan. (Subject to restrictions on foreign ownership of Philippine property
- Accomplished Loan Application
- One Passport size picture of borrowers (husband & wife)/co-borrowers
- Photocopy of Passport
- Photocopy of Residence Card (Non-Japanese)
- Photocopy of Driver’s License or Health Insurance (Japanese)
- Photocopy of “MY NUMBER” Card or Notice
- Original certificate of employment indicating the date of commencement of employment, present salary and position. If self-employed, original Business Registration Certificate (issued not more than 6 months).
- Proof of Income for the past two (2) years such as Withholding Tax Certificate (Gensenchoshuhyo) or Taxation Certificate (Kazeishoumeisho) or Income Tax Return (Kakuteishinkoku), if self-employed
- Photocopy of Latest Pay Slips (for 3 months)
- Marriage Certificate (Koseki-tohon) (issued not more than 3 months)
- Residence Certificate (Jyumin-hyo) (all family members and issued not more than 3 months)
For House Construction and Improvements:
- Photocopy of the Transfer Certificate (TCT) or Condominium Certificate Title (CCT)
- Location Plan/Vicinity Map certified by a Geodetic Engineer
- Photocopy of latest tax declaration, current real estate tax receipt & tax clearance
- Building plan specifications duly signed by Civil Engineer or Architect
- Bill of materials or Construction Cost Estimate duly signed By Civil Engineer of Architect
- Duly approved building remodeling or building permit
For Purchase of Property:
- Photocopy of the Transfer Certificate (TCT) or Condominium Certificate Title (CCT)
- Location Plan/Vicinity Map certified by a Geodetic Engineer
- Photocopy of latest tax declaration, current real estate tax receipt & tax clearance
- Contract To Sell with Statement of Account or Reservation Agreement or Conditional Deed of Sale
***For Accredited Developers or Projects:
- Contract To Sell with Statement of Account or Reservation Agreement or Conditional Deed of Sale
NOTE: Additional documents may be required to facilitate processing of the loan application. Processing will only commence upon submission of complete documentary requirements.
