Overview
Make your dream home a reality with SECBank's Home Loan. Whether you're buying your first home, constructing a new house, or refinancing an existing mortgage, we offer competitive rates and flexible terms up to 20 years. Our dedicated loan officers will guide you through every step of the process.
Key Features
- Competitive interest rates starting at 6.5% p.a.
- Flexible loan terms up to 20 years
- Finance up to 80% of property value
- Low down payment options available
- Fixed or variable rate options
- No prepayment penalties
- Fast loan processing within 7-14 days
- Free property appraisal
Eligibility Requirements
- 1Filipino citizen, 21-65 years old at loan maturity
- 2Minimum gross monthly income of ₱30,000
- 3At least 2 years of stable employment or business
- 4Valid government-issued IDs
- 5Latest Income Tax Return (ITR) and payslips
- 6Certificate of Employment with compensation
- 7Property documents (title, tax declaration, etc.)
- 8Good credit standing with no adverse records
Loan Rates
Competitive rates to help you achieve your financial goals
* Rates are subject to change without prior notice. Please contact us for the latest rates.
Benefits
Why choose this loan?
Own Your Dream Home
Turn your homeownership dreams into reality with affordable financing.
Long Repayment Terms
Spread your payments over up to 20 years for manageable monthly dues.
Low Down Payment
Start with as low as 20% down payment on your property.
No Hidden Charges
Transparent fees and no prepayment penalties.
Expert Guidance
Our loan officers provide personalized assistance throughout.
Fast Processing
Get your loan approved in as fast as 7 working days.
How to Apply
Simple steps to get started
Submit Application
Fill out the loan application form with required documents.
Property Appraisal
We conduct a free appraisal of your chosen property.
Loan Approval
Receive your loan approval within 7-14 working days.
Loan Release
Sign the contract and receive your loan proceeds.