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Customize Your Home Loan Estimate

Securing a home loan is not just about financing a house;
it’s about investing in your future and building the life you’ve always envisioned.

Home Loan Calculator

How to Use Our Home Loan Calculator:

  • Total Amount: Enter the property price in Philippine Pesos.
  • Downpayment: Specify your downpayment, typically 20% of the property value.
  • Interest Rate: Input the annual interest rate (usually 5% – 8% in the Philippines).
  • Amortization Period: Specify the repayment years.

Click “Calculate”: Get your estimated monthly amortization.

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Budget Clarity

Prequalification clarifies your budget, helping you focus on homes you can afford.

Negotiation Edge

Prequalified buyers have stronger negotiation power, making your offers more appealing to sellers.

Faster Approval

Prequalification expedites the loan approval process, getting you closer to homeownership quickly.

Connect with Trusted Loan Officers

We’ve partnered with experts who represent major banks in the Philippines. They bring years of experience and local market knowledge to help you find the right home loan. They will guide you through the entire process, ensuring informed decisions every step of the way. Ready to take the next step toward your dream home? Connect with a trusted loan officer today.

Frequently Asked Questions

What are the typical interest rates for home loans in the Philippines?

Interest rates can vary, but they generally range from 5% to 8%, depending on market conditions, your creditworthiness, and the loan term.

How much down payment is required for a home loan in the Philippines?

Down payment requirements typically start at 20% of the property’s purchase price. However, some lenders may offer lower down payment options.

What is the maximum loan term available for home loans in the Philippines?

The maximum loan term is usually 20 to 25 years, but it can vary depending on the lender and your age at the time of application.

What documents are required to apply for a home loan in the Philippines?

Commonly required documents include government-issued identification, proof of income, bank statements, and property-related documents. 

How is the loan approval process in the Philippines typically structured?

The process involves application submission, credit evaluation, property appraisal, and legal documentation. Approval times can vary, but it often takes a few weeks to a couple of months.

Can foreigners apply for home loans in the Philippines?

Yes, foreigners can apply for home loans, but they may have different eligibility criteria and may be subject to specific rules and restrictions.

What are the additional costs associated with buying a home in the Philippines?

Aside from the down payment and interest, you should budget for transaction costs like transfer taxes, notarial fees, and property insurance.

Can I prepay my home loan in the Philippines? Are there penalties for early repayment?

Many lenders allow prepayment without penalties. However, it’s essential to review your loan agreement for specific terms and conditions.

How can Origin Realty assist me with the mortgage process?

We connect you with trusted loan officers who specialize in the Philippine real estate market, offering expert guidance and support throughout your home loan journey.

Download "Peso-Wise Property Pursuits" for Buyers

Peso-Wise Property Pursuits is your right-hand companion to preparing your finances for your home purchase.

  • Calculate How Much You Can Afford To Buy
  • Know The Exact Steps on How to Build Your Credit
  • Budget Planner To Save Up For Your Down Payment 
  • Choose The Right Loan For Your Specific Situation
  • A Simple Plan For Paying Down Your Home Loan Faster After You Buy