Loan Amount
₱1M / ₱500K
Minimum Housing / Flexi Loan
Housing Loan
Build the home you've worked for
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.
Why choose a PVB Housing Loan?
Financing built around your family's plans — from buying your first home to improving the one you love, with terms that fit real budgets.
Flexible Loan Options
Choose from Regular Housing Loan or Regular Flexi Loan to suit your needs.
Manageable Terms
Repayment terms up to 20 years to make home financing more manageable.
Purpose-Built Financing
Finance the purchase, construction, improvement, or refinancing of your home.
Acceptable Collateral
Loan Purposes
Loans that is designed to help finance important personal needs and home improvement projects.
Who can apply
- 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.
Repayment Terms
Repayment periods vary depending on your loan purpose.
| 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.
Loan Calculator
See what your monthly amortization could look like before you visit a branch, based on our current Housing Loan fixing rates.
PVB Heroes PANALOANS — waived fees
Borrowers who successfully avail of a PVB Housing Loan enjoy waived fees based on their approved loan amount, under the PVB Heroes PANALOANS promo.
| 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.
Qualifications & requirements
For Individuals
Filipino citizens aged 21–65 with a stable source of income.
For Businesses
Registered business entities with a residential collateral and capacity to pay.
How to apply: Move into your dream home in a few simple steps
1
Visit your nearest PVB branch
Use our Branch & ATM locator to find a branch near you. No appointment required.
2
Bring your requirements
Present your valid ID(s), income documents, and property documents.
3
Submit your application
Complete the Housing Loan application form with our staff.
4
Get approved and move in
Receive approval and financing for your home.
Downloadable forms
Download and accomplish these forms before your branch visit. All files are in PDF format.
PDF
Veterans Bank Digital Banking Service Request Form
Individual client · PDF · 1 pages
Frequently asked questions
Find answers to common questions about our housing loans.
Regular Housing Loan minimum is ₱1,000,000, while the Regular Flexi Loan minimum is ₱500,000.
You can finance the purchase, construction, improvement, or refinancing of a residential property.
Up to 20 years for a Regular Housing Loan, depending on the loan's purpose.
A residential property with a clean title covered by a Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), free from liens or encumbrances.
Terms & conditions
Housing loans are subject to the Bank's credit evaluation, KYC, and account-opening requirements. The Bank reserves the right to approve or decline any application.
Loans are based on the appraised value of the collateral and repayment terms of up to 20 years, subject to credit approval.
A representative schedule of fees is available at any PVB branch.
PVB Heroes PANALOANS promo waives applicable fees based on approved loan amount, per the promo's terms and conditions.
Your personal data is handled in accordance with the Data Privacy Act.
Build the home you've worked for
Visit a Veterans Bank branch near you and discover housing loan solutions designed around your needs and goals.