• Interest Rate (p.a)

    4.99%

  • Min Loan Amount

    ₱2000000

  • Margin of Finance

    80%

  • Fixed Term (years)

    None

Loan calculator
Loan amount

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

4.99%

Monthly Repayment

₱10,602

Whats so great about HSBC Housing Loan?
  • Interest starts at 4.99% fixed for one year, subject to a lock-in period.
  • No Lock-In Period for non-promotional rates.

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 ₱50,000

Product Review by iMoney

Is an HSBC Housing Loan Right For Me?

With HSBC's Home Loan, you have access to flexible features and world-class benefits that allow you to customize your loan to fit your unique needs and requirements.

How Much Can I Borrow With An HSBC Home Loan?

  • Minimum of ₱700,000
  • Maximum of ₱50,000,000
  • Up to 80% of the appraised value of the property

Am I Eligible for an HSBC Home Loan?

Yes, if you are:

  • At least 21 years old upon loan application 
  • At most 65 years old upon loan maturity 
  • Filipino citizen 
  • 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 an HSBC Home Loan, you will be asked to provide some supporting documents in order for the bank to process your application. These documents are listed below:

If locally employed

  • One photo-bearing Government Issued Identification Card
  • Billing Statement addressed to current and permanent residence such as latest 1 month bank statement, credit card statement or utility billing statement (and other Proof of residential address alternatives)
  • Tax Identification Number (TIN), or foreign equivalent, or Community Tax Certificate (CTCs) or passport or any other documents allowed for notarization purposes
  • Marriage Certificate, if married
  • Latest Income Tax Return (ITR) or BIR Form 2316/1700/1701 or BIR Form 2306 with sworn statement or foreign equivalent, if applicable Latest Certificate of Employment OR
  • Latest Three (3) Months Payslips OR
  • Employment Contract or Employer's Affidavit or sworn statement, if applicable

If self-employed

  • One photo-bearing Government Issued Identification Card
  • Billing Statement addressed to current and permanent residence such as latest 1 month bank statement, credit card statement or utility billing statement (and other Proof of residential address alternatives)
  • Tax Identification Number (TIN), or foreign equivalent, or Community Tax Certificate (CTCs) or passport or any other documents allowed for notarization purposes
  • Marriage Certificate, if married
  • Latest three (3) years Income Tax Return (ITR) and latest three (3) years Audited Financial Statements (AFS); or Latest one (1) year ITR with AFS and latest three (3) months bank statements AND
  • Latest Business/Mayor's Permit AND
  • Latest SEC/DTI Registration AND
  • Latest Articles of incorporation, if part-owner

Sounds Great! How Should I Proceed?

You can use the HSBC 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, For properties purchased through our accredited developers, you may get in touch with one of our Mortgage Specialists while for existing Advance or Premier Clients, you may contact your Branch of account or Relationship Manager.

If you are not sure whether this home loan by HSBC is your best option, you can also check out Maybank housing loan to find out which is a better fit. If you want other alternatives, you can view the full list of housing loan options from other banks, available on our website.

Is It Easy to Repay my HSBC Housing Loan?

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