Your dream home starts with the right financial partner. Veterans Bank offers housing loan solutions that can help you buy, build, or improve your home. Choose from flexible loan options designed to suit your needs, with repayment terms that make home financing more manageable. Let us help you take the next step toward owning a place you can proudly call home. Ready to get started? Inquire about our Housing Loan today.
Lock in from 6.50% p.a. with 1-, 3-, or 5-year fixing for predictable monthly amortizations.
Repay over up to 20 years, with friendly options that fit your household budget.
Borrow up to 80% of your property's appraised value (up to 70% on vacant lots).
Flexi Loan
Hospitalization
Education
Home Improvement
Home expansion or remodeling; Major home repairs or renovation
Housing Loan
Purchase of Residential Property: House and Lot, Vacant Lot, Townhouse Unit, Condominium Unit
House Construction
Reimbursement of Property Purchase Cost
Reimbursement of Construction Cost
Refinancing of an Existing Mortgage
Note: Additional documents may be requested by Veterans Bank depending on the type of loan borrower and loan purpose
MAXIMUM TERM | PURPOSE |
Up to 20 years | Regular Housing Loan Regular Flexi Loan for the purchase of another residential property |
Up to 10 years | Regular Flexi Loan for home improvement, home expansion, remodeling, or major repairs |
Up to 5 years | Regular Flexi Loan for hospitalization or education |
Housing Loan minimum is ₱1,000,000; Flexi Loan minimum is ₱500,000. Financing of up to 80% of appraised value (up to 70% on vacant lots). Terms are indicative and subject to credit approval and BSP regulations.
APPROVED LOAN AMOUNT | MAXIMUM WAIVED FEES | WHAT'S WAIVED |
₱850,000 – ₱1,999,999 | Up to ₱25,000 | Applicable bank fees & charges |
₱2,000,000 – ₱3,999,999 | Up to ₱40,000 | Applicable bank fees & charges |
₱4,000,000 – ₱5,999,999 | Up to ₱55,000 | Applicable bank fees & charges |
Promo period: December 23, 2025 to April 30, 2026, extended until October 29, 2026. Waived fees are applied automatically upon loan booking, subject to the promo's terms and conditions. Per DTI Fair Trade Permit No. FTEB-245364 Series of 2025.
Filipino citizen, at least 21 years old at application
Not more than 70 locally employed and self-employed
Stable income from employment, business, OFW remittances, or pension
Financing a residential property with a clean TCT or CCT
Housing Loan Application Form
Proof of income — COE with pay slips, latest ITR, or financial statements
Property title (TCT/CCT), tax declaration, and vicinity/location map
Contract to Sell or Reservation Agreement (for property purchase)
Use our Branch & ATM locator to find a branch near you. No appointment required for account opening.
Present your valid ID(s), TIN, and the initial deposit for your chosen savings account.
Our branch staff will guide you through the Account Opening Form and Signature Card, and help you choose passbook and/or ATM.
Make your initial deposit and receive your passbook and/or ATM card. You're ready to save and enroll in digital banking.
Download and accomplish these forms before your branch visit. All files are in PDF format.
Statement of Income
Financial capacity disclosure · PDF
Authority to Verify & Conduct Credit Investigation
Applicant consent · PDF
Automatic Debit Arrangement (ADA) Enrollment Form
For loan amortization · PDF
Housing Loan Application Form
Individual & co-borrower · PDF
A Housing Loan may be used for the following purposes:
• Purchase of a residential house and lot
• Purchase of a vacant lot
• Purchase of a townhouse unit
• Purchase of a condominium unit
• House construction
• Reimbursement of purchase cost
• Reimbursement of construction cost
• Refinancing of an existing mortgage
The minimum loan amount for a Housing Loan is PHP 1,000,000.
The loan amount may be up to 80% of the appraised value of the collateral. For vacant lots, the financing may be up to 70% of the appraised value.
The acceptable collateral is a residential real estate property with a Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) that is free from any lien or encumbrance.
The Regular Flexi Loan is a housing-related financing option that may be used for hospitalization, education, home improvement, or the purchase of a different property. The minimum loan amount is PHP 500,000.
Talk to our Housing Loan team at a branch near you and find the housing loan that fits your plans.
