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).
Regular Flexi Loan
Flexi Loan
Hospitalization
Education
Home Improvement
Home expansion or remodeling; Major home repairs or renovation
Regular Housing Loan
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 corporation, account, or transaction.
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 65 years old at loan maturity
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
Regular Housing Loan minimum is ₱1,000,000, while the Regular Flexi Loan minimum is ₱500,000.
The amount you can borrow from Philippine Veterans Bank depends on the appraised value of your property, your income, and the bank’s lending requirements. The final loanable amount will be determined after the bank evaluates your property and financial capacity.
Philippine Veterans Bank offers repayment terms that depend on the type of loan, the loan amount, and the borrower's eligibility. Applicants may coordinate with the bank to learn about the available repayment periods, interest rates, and payment schedules that suit their financial capacity.
A Philippine Veterans Bank (PVB) Housing Loan may be used to finance the purchase, construction, or renovation of a residential property, subject to the bank’s loan policies. Applicants should check with PVB for eligible loan purposes, requirements, and applicable terms and conditions.
Philippine Veterans Bank may accept eligible residential properties as collateral for a housing loan, subject to the bank’s appraisal and lending requirements. The property must meet the bank’s legal and documentation standards before it can be approved as collateral.
All housing loan applications are subject to the Bank's credit evaluation, property appraisal, Know-Your-Customer (KYC), and approval process. The loanable amount, term, and interest rate are determined by the Bank based on the applicant's qualifications and the collateral, in line with Bangko Sentral ng Pilipinas regulations.
The loanable amount from Philippine Veterans Bank depends on the appraised value of the property, the applicable financing percentage, and the borrower's financial capacity. The final approved amount is subject to the bank’s credit evaluation and lending policies.
Borrowers must repay their loans according to the agreed payment schedule and terms set by Philippine Veterans Bank. Through the Automatic Debit Arrangement (ADA), payments may be deducted automatically from a designated bank account, provided the borrower meets the bank’s requirements and maintains sufficient funds.
Philippine Veterans Bank may apply fees and charges related to loan processing, administration, and early repayment, depending on the loan agreement. Borrowers are encouraged to review the applicable terms and conditions with the bank to understand any additional costs or prepayment penalties before making payments.
Philippine Veterans Bank is committed to protecting customers’ personal information in accordance with the Data Privacy Act of 2012 and applicable Bangko Sentral ng Pilipinas (BSP) regulations. The bank follows relevant privacy, security, and banking standards to help safeguard customer data and ensure responsible banking practices.
Talk to our Housing Loan team at a branch near you and find the housing loan that fits your plans.
