What Your Home Loan Can Do For You

  • Get up to 80% of the appraised value of your property
  • Protect your investment with special insurance packages from
    Malayan Insurance Co.
  • Hassle-free payments with the Automatic Debit Arrangement

Unlock Your Home Loan Potential

Acquisition

  • Maximum Loan Amount
    Up to 80% of the appraised value
  • Minimum Loan Amount
    Php 1,000,000
  • Payment Terms
    Flexible Paymen Terms
    from 1 to 20 years
  • Collateral
    Registered first Real Estate
    Mortgage on property

Construction / Renovation

  • Maximum Loan Amount
    Up to 80% of the appraised value
  • Minimum Loan Amount
    Php 300,000
  • Payment Terms
    Flexible Paymen Terms
    from 1 to 20 years
  • Collateral
    Registered first Real Estate
    Mortgage on property

Refinancing / Reimbursement

  • Maximum Loan Amount
    Up to 80% of the appraised value
  • Minimum Loan Amount
    Php 300,000
  • Payment Terms
    Flexible Paymen Terms
    from 1 to 20 years
  • Collateral
    Registered first Real Estate
    Mortgage on property

Home Loan Take-out

  • Maximum Loan Amount
    Up to 80% of the appraised value
  • Minimum Loan Amount
    Php 300,000
  • Payment Terms
    Flexible Paymen Terms
    from 1 to 20 years
  • Collateral
    Registered first Real Estate
    Mortgage on property

Special Housing Loan Package

MYHOMEBUDGETER LOAN

A multipurpose loan ideal for existing homeowners who want to lighten their debt burden by borrowing against the value of any real estate property registered under their name.

Who can borrow

  • Filipino or dual Filipino citizen
  • If foreigner, must be married to a Filipino citizen
  • At least 21 years old upon loan application
  • At most 70 years old upon loan maturity
  • Permanently employed for at least 1 year
  • If self-employed, business must be in profitable operation for at least 2 years

Check How Much You Can Borrow

How to Apply

  • Step 1
    Complete Requirements
    Scan and/or gather all
    requirements needed
     
     
  • Step 2
    Accomplish Application Form
    Completely fill out and sign
    a Home Loan application form
     
     
  • Step 3
    Get Approved
    Submit your applicationform with
    the required documents to
    any RCBC branch near you. You'll
    be notified of your approval
    within 5 day.
  • +

    I am employed, what documents to I need to submit?

    • Accomplished Home Loan Application Form
    • 2 Valid Gov't-issued IDs
    • Marriage Contract, if married; Birth Certificate, if single
    • Original Certificate of Employment and Compensation
    • Latest Income Tax Return (ITR)
    • Company ID
    • Collateral Documents:
      • Photocopies of TCT, Tax Declaration, Tax Receipt, Tax Clearance, or CTS
      • Location Plan/Vicinity Map of Property
      • Building Plan/Bill of Materials (for construction)
      • Statement of Account (for loan take-out and acquisition from developers)
  • +

    I am self-employed, what documents to I need to submit?

    • Accomplished Home Loan Application Form
    • 2 Valid Gov't-issued IDs
    • Marriage Contract, if married; Birth Certificate, if single
    • Business Registration with DTI
    • Audited Financial Statements and ITR
    • List of Suppliers and Customers
    • Collateral Documents:
      • Photocopies of TCT, Tax Declaration, Tax Receipt, Tax Clearance, or CTS
      • Location Plan/Vicinity Map of Property
      • Building Plan/Bill of Materials (for construction)
      • Statement of Account (for loan take-out and acquisition from developers)

Ready to move into your new home?

Apply Online Visit any branch near you