Philippine Mortgage for Filipinos in Japan: Requirements

Mortgage Loans for Philippine Real Estate – For You Who Live in Japan

Residents of Japan can now apply for a mortgage loan in the Philippines — even if they are not living or working in the Philippines. This is an excellent opportunity for Filipinos and eligible foreign nationals in Japan to purchase, build, or refinance property in the Philippines with the support of reputable lenders.

Eligibility Requirements

Citizenship: Eligible applicants include Filipino citizens, former Filipinos (for land purchases up to 1,000 sqm), and dual citizens. Foreigners residing in Japan may apply only for condominium unit purchases, as land ownership in the Philippines remains restricted.
Marital Status: You are not required to be married to a Philippine citizen.
Spouse Signature: In Japan, your spouse’s signature or involvement as a co-borrower is not required, and there is no need to assign a Special Power of Attorney (SPA) for your application.

Required Documentation

To proceed with your mortgage application, you will need to provide the following:

Duly completed OPHL application form
One valid ID
If employed: COE, one-month payslip, employment contract, proof of remittance, and ITR
If self-employed: Latest AFS, business registration papers, 6-month bank statements, and ITR
Contract to Sell (for property purchase)
Building plan, specifications, and bill of materials (for construction loans)
Proof of expenses (for reimbursement cases)
Statement of account (for refinancing)
Fire Insurance and Contractor’s All Risk Insurance
Mortgage Redemption Insurance equivalent to the loan amount

You are not required to submit a marriage contract or provide a Special Power of Attorney. This simplifies the process for Japan-based applicants who may not have local legal representation in the Philippines.

This service is fully legitimate and professional, offering from a Verified U.S. Realtor® who is also a Broker with Philippine PRC License Number 0024025. to negotiate with our lending partners and regulatory organizations we are endorsed by.

Make a smart, secure real estate investment in the Philippines from the comfort of your home in Japan — with professional help and no guesswork.

Next Steps

To begin your loan process, email trishw@globalrealtor4acause.com to express your interest. Then, click the button below to schedule a free, no-obligation consultation with a licensed Philippine property specialist affiliated with trusted banks and lending institutions.