Requirements needed for a home loan application
Here's the full checklist of documents Philippine banks ask for when you apply for a housing loan — for employed, self-employed and OFW borrowers. With Nook, you don't gather these alone: a dedicated consultant prepares and lodges the entire application for you, for free.
What every home loan application needs
Banks differ in the details, but almost every Philippine home loan comes down to four things: who you are, what you earn, what you're buying, and who's lending. Get these in order and approval moves fast.
Proof of identity
Valid government-issued IDs for you and your co-borrower, your TIN, and recent ID photos. Married applicants are usually asked for a marriage certificate.
Proof of income
Evidence that you can comfortably repay — payslips and an employment certificate if you're employed, or financial statements and tax returns if you run a business.
Property documents
The Transfer Certificate of Title, the latest tax declaration and real-property tax receipts, plus the contract to sell or vicinity map for the property you're buying.
The bank's forms
Each lender has its own application form and authorisation letters. With Nook these are prepared and lodged for you — you never fill in a bank form yourself.
The full document checklist
Most Philippine banks group their home loan requirements into three buckets: personal documents, income documents and property documents. The exact list depends on your employment type and the lender, but the items below cover what you'll most commonly be asked for. Nook gives you the precise checklist for your matched bank once you pre-qualify, so you never over-prepare or chase the wrong paperwork.
1. Personal and identity documents
- Completed bank home loan application form (Nook prepares this for you).
- Two valid government-issued IDs each, for the applicant and co-borrower.
- Tax Identification Number (TIN).
- Recent passport-size photos.
- Marriage certificate (if married) or birth certificate where required.
- Proof of billing or proof of current address.
2. Income documents — if you're employed
- Certificate of Employment stating your position, length of service and salary.
- Your latest one to three months of payslips.
- Your latest BIR Form 2316 or Income Tax Return.
- Bank statements for the last few months (some lenders ask for this).
3. Income documents — if you're self-employed or a business owner
- Audited financial statements for the last two to three years.
- Your latest Income Tax Return (ITR).
- DTI registration (sole proprietor) or SEC registration and Articles of Incorporation (corporation).
- Business or mayor's permit.
- Bank statements showing your business cash flow.
4. Income documents — if you're an OFW
- Valid passport and, where applicable, your work visa.
- Employment contract or Certificate of Employment from your overseas employer.
- Payslips or proof of remittances to the Philippines.
- A Special Power of Attorney (SPA) appointing a representative in the Philippines to sign on your behalf.
5. Property documents
- Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT).
- Latest tax declaration and real-property tax (amilyar) receipts.
- Contract to Sell or Reservation Agreement from the developer or seller.
- Vicinity map or location plan of the property.
Don't have everything yet? That's normal — and it's exactly why people use a broker. You don't need to assemble a perfect pile of paperwork before you start. Pre-qualify first, and Nook tells you precisely what's needed for the bank you're matched with.
You don't gather these alone
Nook is the Philippines' original and award-winning mortgage broker — a full-service brokerage, not a self-serve platform. We do the entire application for you.
Pre-qualify in 3 minutes
Answer a few questions online and see your options — before you've gathered a single document.
Get your exact checklist
Nook compares 20+ banks, matches you to your best-fit lender, and tells you precisely which documents that bank needs.
We prepare and lodge it
A dedicated loan consultant fills in the bank forms, organises your documents and submits the application — you never queue at a branch.
We chase it to approval
Nook handles all the back-and-forth with the bank and keeps you updated by text and email until you're approved.
And it's completely free. Banks pay Nook a commission once your loan is released, so the entire service — the checklist, the form-filling, the lodging and the follow-ups — costs you nothing. Talk to a Nook consultant if you'd like a hand working out which documents apply to you.
Not sure which documents you need?
Pre-qualify in 3 minutes and a Nook consultant will hand you the exact checklist for your matched bank — then prepare and lodge it all for you, for free.
Check my rate →