• Interest Rate (p.a)

    5.75%

  • Min Loan Amount

    ₱500000

  • Margin of Finance

    80%

  • Fixed Term (years)

    None

Loan calculator
Loan amount

Loan Tenure (years)
Fixed Term (years)
Interest Rate (p.a)

5.75%

Monthly Repayment

₱10,977

Whats so great about Chinatrust Housing Loan Fixed Rate?
  • Calculate Chinatrust housing loan repayments. Apply online for free!

Product Features

Margin of Finance: 80%
Loan Tenure: Up to 20 Years
Suitable For: Purchase of House & Lot / Condominium, House Construction, Purchase of Lot, Refinancing, House Renovation / Expansion, Reimbursement.

Eligibility

Age 21 - 65 years old
Employment If employed, permanent in status and with more than or equal to one (1) year tenure with present employer or three (3) years combined work experience including the most recent employer. If self-employed, business must be at least 3 years in operations.
Citizenship Filipino citizen
Monthly Income Earning a minimum gross monthly family income of Php50,000

Product Review by iMoney

Is a Chinatrust Housing Loan Right For Me?

Chinatrust Housing Loan is a straightforward housing loan facility that gives low fixed interest rates.

How Much Can I Borrow With A Chinatrust Housing Loan?

  • Minimum of ₱500,000
  • Maximum of ₱25,000,000
  • Maximum of 80% of the appraised value of the property

Am I Eligible for a Chinatrust Housing Loan?

Yes, if you are:

  • At least 21 years old upon loan application 
  • At most 65 years old upon loan maturity 
  • Filipino citizen 
  • must have an office and residence landline or mobile number
  • are earning a minimum gross monthly family income of ₱50,000.
  • If employed, permanent in status and with more than or equal to one (1) year tenure with present employer or three (3) years combined work experience including the most recent employer
  • If self-employed, business must be at least 3 years in business operations 
  • If professional, with more than or equal to three (3) years of practice in profession

What Documents Will I Need to Prepare?

If you have applied for a Chinatrust Housing Loan, you will be asked to provide some supporting documents in order for the bank to process your application. These documents are listed below:

For salaried individuals

  • Duly filled-out and signed application form
  • Payment of appraisal fee
  • Photocopy of two (2) valid IDs each from the principal borrower and co-borrower
  • Photocopy of Marriage Contract (if applicable)
  • Photocopy of TCT / CCT
  • Photocopy of lot plan / vicinity plan / subdivision plan
  • Photocopy of updated Tax Declaration, Real Estate Tax Receipts and Tax Clearance
  • Photocopy of Certificate of Employment
  • Photocopy of latest two (2) months payslip/s
  • Photocopy of latest Income Tax Return / BIR Form 2316
  • Authority to Inspect Form (for condominium)
  • Latest Statement of Account of creditor banks (for refinancing / take-out purpose)
  • For construction loan:
    • Building Plan
    • Bill of materials (estimates of construction and labor costs)
    • Building specification and / or scope of work

For professionals and self-employed

  • Duly filled-out and signed application form
  • Payment of appraisal fee
  • Photocopy of two (2) valid IDs each from the principal borrower and co-borrower
  • Photocopy of Marriage Contract (if applicable)
  • Photocopy of TCT / CCT
  • Photocopy of lot plan / vicinity plan / subdivision plan
  • Photocopy of updated Tax Declaration, Real Estate Tax Receipts and Tax Clearance
  • Photocopy of Business Registration papers (i.e. SEC Registration / Articles of Incorporation / By-laws / GIS or DTI certificates)
  • Mayor's Permit / Business Permit
  • Photocopy of latest six (6) months bank statements
  • Photocopy of Audited Financial Statements (for the last 3 years)
  • Photocopy of Income Tax Return for the last three (3) years
  • List of major trade suppliers and customers with contact person and landline numbers (3 of each)
  • Authority to Inspect Form (for condominium)
  • Latest Statement of Account of creditor banks (for refinancing / take-out purpose)
  • For construction loan:
    • Building Plan
    • Bill of materials (estimates of construction and labor costs)
    • Building specification and / or scope of work

Sounds Great! How Should I Proceed?

You can use the Chinatrust housing loan calculator to calculate your monthly repayments, based on your desired property value and loan amount. Once you are ready to apply, you can make a free enquiry through iMoney, and our customer representatives will call you back. Applying for a housing loan with iMoney is absolutely free of charge.

If you're undecided whether Chinatrust Bank housing loan is fit for you need, our team would also like to recommend Chinabank housing loan as an alternative. But if you're still looking for more options, we would suggest that you look at all our available housing loan packages from other banks in the Philippines and compare which one best suits your requirement.

Is It Easy to Repay my Chinatrust Housing Loan?

You can sign up for an automatic debit arrangement from your Chinatrust savings or checking account to pay your monthly amortizations quickly and conveniently.