Philippine Mortgage for People in Singapore

Mortgage Loans for Philippine Real Estate – for You Who Live in Singapore

Living and working in Singapore doesn’t stop you from investing in property back in the Philippines. You are now eligible to apply for a mortgage loan from the Philippines without needing to be employed or reside there — a game-changing opportunity for Filipinos and qualified foreign citizens in Singapore.

Eligibility Requirements

1. Citizenship: You must be a Filipino citizen, a former Filipino (for land up to 1,000 sqm), or a dual citizen. Foreigners may apply strictly for condominium unit purchases, in line with Philippine property laws.

2. Marital Status: You do not need to be married to a Philippine citizen to apply.

3. Spouse Signature: In Singapore, your spouse is not required to be a co-borrower. A Special Power of Attorney (SPA) is also not required.

Required Documentation

To move forward with your loan application, you’ll need to submit the following documents:

• Fully completed OPHL application form

• One valid government-issued ID

• Employment documents: Certificate of Employment (COE), one-month payslip, employment contract, proof of remittance, and Income Tax Return (ITR)

• If self-employed: Latest Audited Financial Statement, business registration papers, 6-month bank statements, and ITR

• Contract to Sell (for property purchases)

• Bill of materials, building plans, and specifications (for construction loans)

• Proof of expenses (for reimbursement of construction or acquisition costs)

• Statement of account showing outstanding balance (for refinancing)

• Fire Insurance and Contractor’s All Risk Insurance (if applicable)

• Mortgage Redemption Insurance equivalent to the loan amount

Note: You are not required to submit a marriage contract or assign an attorney-in-fact for representation (SPA). These simplifications make the process more streamlined for Singapore-based applicants.

Next Steps

Ready to get started? Send an email to [email protected] with your interest. Then, click the button below to schedule a free, no-obligation consultation with a licensed Philippine real estate professional who works directly with top banks and lending institutions.

You can invest in your future in the Philippines — securely, confidently, and professionally — while living in Singapore.