Philippine Home Loan Guides
Practical, sourced answers to the questions Filipino home buyers actually ask — written by Nook, the Philippines' first digital mortgage broker.
Where do I start with a home loan in the Philippines?
Start with three numbers: what you can borrow, what it will cost, and what the lender needs from you. Work out your ceiling with the affordability guide, check the verified rate bands to see where Pag-IBIG and the banks sit, then assemble the document set before you approach a lender. Every guide below is free, and so is Nook — the bank pays the commission once your loan is released, never the borrower.
Start here
- How Much Home Loan Can I Afford in the Philippines? — Work out your Philippine home loan budget from your salary: worked tables from ₱30,000 to ₱150,000 income, and the 30–35% rule banks actually use.
- Lowest Home Loan Interest Rate in the Philippines — Which lender is cheapest for a Philippine home loan: verified Pag-IBIG and bank rate bands, and why the headline rate is not the real cost.
- Housing Loan Requirements in the Philippines — The documents Philippine banks ask for on a housing loan — identity, income and property papers — plus each major lender's own official requirements page.
- OFW Housing Loan in the Philippines — How OFWs get a Philippine housing loan: Pag-IBIG membership and its ₱10M ceiling, bank requirements, and the SPA every overseas applicant needs.
All home loan guides
- 10 documents needed for home loan application in 2025
- 3 Common Home Loan Mistakes & How to Avoid Them
- 3 Secrets to Saving Big on Your First Housing Loan with Nook
- 3 ways to make home loans less time consuming and confusing
- 5 steps to get pre-qualified for a home loan in the Philippines
- 5 things to avoid when applying for a home loan
- 5 types of home loans in the Philippines
- 6 reasons to refinance a housing loan
- 7 common home loan application mistakes to avoid
- 7 reasons why you should refinance your home loan
- Application for Pag-IBIG: is a major bank the easier option?
- BDO Housing Loan: Why Nook Is the Ideal Choice for Your Home Loan Approval
- Best Home Loan Interest Rates in the Philippines: 2025 Guide
- Big bank or small? Which one should you choose?
- BPI Housing Loan: A Comprehensive Guide to Financing Your Home
- Can I apply for a housing loan?
- Can I Save for a Home Loan Deposit and Still Enjoy Life?
- Condo Housing Loan: My Journey to Condo Ownership
- Debt-to-Income Ratio: Why Home Loan Borrowers Need to Know
- Get a Home Equity Loan: How It Works
- How To Get Your Home Loan Approved For Investment Property
- Here's Why Using Cash to Buy a Property Could Be a Financial Mistake
- Home Equity Loans in the Philippines
- When Do You Need a Home Loan Co-Borrower?
- Home loans in the Philippines, explained
- Housing Loans: Move Into Your Dream Home Faster
- How banks decide how much you can borrow
- How much does it cost to get pre-qualified for a home loan?
- How Much House Can I Afford in the Philippines?
- How Often Can You Refinance Your Housing Loan?
- How To Apply For A Housing Loan in the Philippines (5 Easy Steps)
- How to apply: housing loans for OFWs — a step-by-step guide.
- How to avoid home loan repayment stress.
- How to Cut Years Off Your Home Loan
- How to Effectively Photograph Documents for Loan Requirements
- How to get a home loan even if you're an OFW or based overseas
- How to Get a Home Loan Even if You Have a Bad Credit History
- How to Get a Housing Loan
- How to get a housing loan even if you're not earning enough.
- How to Refinance Your Home Loan: Complete Guide for Filipinos
- How to Use Your Home's Equity to Pay for Renovations
- Is a Pag-IBIG Housing Loan the Best for Me?
- Monthly amortization: what it is and how to calculate yours
- Home Loan Monthly Amortization & Income Required (Philippines)
- Mortgage Broker vs Direct Home Loan Application with a Bank
- OFW Home Loan Guide: Requirements and Application Process
- Pag-IBIG Housing Loan Interest Rate Explained
- Requirements for a Bank Housing Loan in the Philippines
- Requirements for a housing loan in the Philippines.
- The best home loan options for OFWs
- The No. 1 way to get a fast home loan
- 5 Tips on How to Get a Home Loan if You Have Bad Credit
- Unlock Your Dream Home: 5 Reasons Why You Need Nook
- What is a mortgage broker?
- What is rent-vesting and is it right for you?
- Why a home loan can be better than paying cash for a property.
- Why Getting the Right Home Loan Is So Important
- Why You Need to Get Pre-Qualified for a Home Loan
- Your Guide to Buying a Home in the Philippines
- Your guide to getting a home loan in the Philippines.
- Your home loan is approved — what happens next?
Also useful: compare home-loan rates, the loan calculators, and Nook’s lender guides.
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