Philippine Mortgage for OFWs in Hong Kong: Requirements
Mortgage Loans for Philippine Real Estate – Even if You Live in Hong Kong
Even if you live and work in Hong Kong, you can now apply for a mortgage loan for property in the Philippines. This opportunity is designed specifically for overseas Filipinos and qualified foreign nationals, enabling you to finance property without returning home or holding a job in the Philippines.
Eligibility Requirements
Citizenship: You are eligible if you are a Filipino citizen, a former Filipino (up to 1,000 sqm of land), or a dual citizen. Foreign nationals may apply, but are limited to purchasing condominium units due to legal restrictions on land ownership in the Philippines.
Marital Status: You are not required to be married to a Philippine citizen in order to qualify.
Spouse Signature: In Hong Kong, your spouse is required to be a co-borrower if you are married. Additionally, you must designate a representative in the Philippines via a Special Power of Attorney (SPA) for document execution and coordination.
Required Documentation
Applicants from Hong Kong must submit the following documents:
Fully accomplished OPHL application form
One valid ID
Employment documents: Certificate of Employment, one-month payslip, employment contract, proof of remittance, and ITR
If self-employed: Latest Audited Financial Statement, business registration papers, six months of bank statements, and ITR
Contract to Sell (for purchasing)
Construction documents: bill of materials, building plans, and specifications
Proof of expenses (for reimbursement applications)
Statement of account (for refinancing)
Fire Insurance and Contractor’s All Risk Insurance
Mortgage Redemption Insurance (MRI)
Clarification: You are not required to submit a marriage contract. However, both a co-borrowing spouse and a notarized SPA are mandatory to fulfill Hong Kong lending compliance procedures.
Next Steps
To begin your loan application, simply email trishw@globalrealtor4acause.com. Then, click the button below to schedule a free, no-obligation consultation with a licensed property professional affiliated with trusted Philippine banks and lending partners.
We take your trust seriously. This is a fully professional and legal offering from a U.S. Realtor® and Philippine PRC License Number 0024025. We have contract endorsements from verified Philippine banks and lending institutions, we can show you.
Don’t let your financing, or location or citizenship hold you back anymore! Secure your future and invest in Philippine real estate the right way — with full transparency and professional support while based in Hong Kong.
Frequently asked questions
What documents do Hong Kong-based applicants submit?
Application form, valid ID, employment certificate, payslip, contract, remittance proof and tax return, or audited financials if self-employed, plus the contract to sell.
Is a special power of attorney required?
Yes, together with a spouse co-borrower if married.
