HSBC Home Loans
With HSBC's global expertise, we understand your needs and how we can best serve you. Part of our services includes helping you find the best financial tools to purchase, build, renovate your dream home or refinance your existing home loan.
What's more, with HSBC's Home Loan, you have access to flexible features and world-class benefits that allow you to customize your loan to fit your unique needs and requirements.
Enjoy Premier recognition
From 1 December 2024, you are entitled to exclusive privileges available to HSBC Premier Clients when you open a Home Loan account of at least PHP6 million and maintain a Total Relationship Balance* of at least PHP3 million within 12 months of opening your account.
* Total Relationship Balance (TRB) is calculated based on the average total balances in all your deposit accounts, plus the market value of all investments and insurance you hold, within the bundled account package in your name in any one calendar month.
Your Home Loan Options
Buying a home
Buying a home might just be the largest investment you will ever make. Shopping for a house is filled with excitement, yet when the final decision needs to be made, it is normal to feel anxiety or apprehension. As a home buyer, you have a lot of questions and a lot of important decisions to make.
Building a home
Building your home draws you closer to the life of your dreams. The process of constructing your house takes a lot of time, patience, and most importantly, money. Planning wisely makes you see the impact of the many factors you should consider.
Home Equity Loan
Your home can be a source of extra financing to help meet your financial goals. Whether you want to invest in a business, make home improvement or pay for your child´s education. No matter the reason, we have a convenient, affordable way to turn your home's equity into ready cash.
Refinancing a Loan
Lighten your burden, enjoy additional savings and gear up on benefits by refinancing your mortgage with us. Whether you're looking to lower your monthly mortgage payment, switch to a fixed rate, or even get cash out to finance a major expense, we are here to assist you. We can work with you when you decide to move your home loan with us from another bank
If you have currently been down paying your existing mortgage, HSBC allows you to borrow back some of the equity you have in your property.
Top-up Loan
If you’ve already got a home loan with HSBC, you can top-up your loan up to 70% of your property’s current value. Manage your financial options by making the most of what you have already accumulated.
Features of an HSBC Home Loan
- Flexible repayment schemes2Opt for our Straight-Line Scheme, which allows you to forecast your expenses easily, or go for our Reducing Balance Scheme and save on interest payments.
- Friendly interest review datesSelect from annual, 2 years, 3 years, or 5 years interest rate for your initial repricing options. Choose which arrangement best fits your assessment of the interest rate trends.
- Fast processingGet quick feedback about the status of your loan. Jumpstart your plans of moving in to your dream house by setting an appointment with our Home Loan Specialist
- Personalised serviceTake advantage of our team of dedicated Home Loan Specialists who will help you get the best deal and assist you in your home loan application.
- Appropriately-timed loan releasesFor constructions loans, use the funds based on your needs throughout the entire period of construction. On the first release, you can enjoy the portion of your loanable amount attributed to the value of your lot. The remaining loan balance shall be distributed equally in 3 batches matching the stages of completion of your construction.
Home loan calculator
Your quick and instant tools to get facts and figures about your loans.
Who can apply?
- Filipinos residing in the Philippines or Overseas Filipino Workers
- At least 21 years old upon loan application and at most 65 years old upon loan maturity
- With a gross monthly income of at least PHP200,000 per month
What do I need to prepare?
- Accomplished Home Loan application form
- 1 valid government-issued ID
- Latest 3 months’ payslip
- Latest income tax return (you'll need this in any case before your loan can be finally approved)
- Certificate of employment with details on salary, position, and length of service
- Latest three (3) years ITR (BIR Form 1701)
- Proof of employment abroad (either employment contract or certificate of employment with details on salary, position, and length of service)
- Proof of permission to work abroad (working visa or work permit or POEA ID or POEA certificate)
- Copy of Title (TCT or CCT, for purchase of completed properties, home equity loan, or refinance loan)
- Offer to purchase (for purchase of completed properties)
- Contract to sell or reservation agreement, and statement of account from developer (for purchase of pre-sell properties)
- Building plans and bill of materials (for construction)
- Statement of account from other bank with payment history for last 12 months (for refinancing)
Apply by phone
Speak to our team of dedicated Home Loan Specialists who will help you come up with a custom loan package that best fits your needs. Call us on:
- (02)8858-0000 or (02)7976-8000 (Metro Manila)
- 1-800-1-888-8555 (Provincial)
- +632-8580000 (Abroad)
For existing home loan accounts due for re-pricing, please contact your HSBC Relationship Manager or branch of account for the latest interest rates. Rates subject to change without prior notice.
Terms and Conditions apply.
For inquiries or complaints, please call HSBC's Customer Service at (02) 8858-0000 or (02)7976-8000 from Metro Manila, +1-800-1-888-8555 PLDT domestic toll-free, (International Access Code) + 800-100-85-800 international toll-free for selected countries/regions, or talk to us through Chat by clicking on the icon at the bottom right of our homepage. If you want to find out more about HSBC's customer feedback procedures, please visit hsbc.com.ph/feedback.
The Hongkong and Shanghai Banking Corporation Limited is an entity regulated by the Bangko Sentral ng Pilipinas (Bangko Sentral) https://www.bsp.gov.ph. You may get in touch with the Bangko Sentral Consumer Protection and Market Conduct Office through their Email: consumeraffairs@bsp.gov.ph; Webchat: http://www.bsp.gov.ph; Facebook: https://www.facebook.com/BangkoSentralngPilipinas or SMS: 021582277 (for Globe subscribers only).
Note: Do not provide your account or credit card numbers or disclose any other confidential information or banking instructions through chat.