Real Estate Loans
How much are you looking for?
100% Free No Obligation
A loan facility designed to finance the acquisition of real estate property, house construction, renovation of existing property or home improvement; proceeds thereof shall be payable to the seller/developer/borrower in accordance with the intended purpose.
The loan shall be secured by mortgage of residential, commercial, or agricultural real estate property registered in the name of the borrower, his/her spouse or immediate member of the family.
Interest and Term
Below are the Nominal Interest Rates per term as of April 1, 2025, approved by the Board of Trustees. Interest is computed based on the diminishing balance of the loan.
Effective interest rate (EIR) is the actual interest rate the borrower pays on the loan after taking into account fees/charges (e.g. documentary fee, filing fee, etc.) incidental to the loan availment.
| Re-pricing | Nominal Interest Rate (Per Annum) | Effective Interest Rate (EIR)* |
| 1 yr | 6.75% | 7.44% |
| 3 yrs | 7.85% | 8.65% |
| 5 yrs | 8.50% | 9.37% |
*Assumed Loan Amount $......
Apply With Us Today For Your Real Estate Loans
Loan Amount
The loanable amount is up to 70% of the appraised value/ market value of the real estate property, subject to the member’s Single Borrower’s Limit, paying capacity and take-home pay policy, as applicable.
Requirements for computation of paying capacity
- Latest 1month payslip
- Proof of other income for those filing with family income
Requirements for property valuation
- Contract to Sell from the Developer OR
- Property Appraisal
- Duly accomplished Authority to Inspect form
- Photocopy of TCT/CCT
- Photocopy of current year’s Tax Declaration
- Photocopy of current year’s Tax Clearance
- Photocopy of current year’s Tax Receipt
- Duly accomplished Debit Advice Payment Form (if payment will be deducted from RSD)
*Appraisal fee depends on the location of the property and is non-refundable if the member opts not to proceed with the loan application.