CPMCebuPropertyManREAL REVIEWS. REAL RETURNS.
Buyer Guides/Home financing · Part 2
BUYER GUIDE · HOME FINANCING · PART 2

Part 2: Home Loan Limits, Appraisal Fees and Cash Requirements

The bank’s approved amount matters as much as its interest rate. Understand the valuation basis, upfront costs and cash gap before reserving a property.

Research checked: 11 October 2026 (Philippine time). Indicative published terms; obtain a current bank quotation.

Logos of six Philippine banks compared for home-loan financing
Bank logos identify the institutions compared; no sponsorship or endorsement is implied.

Read Part 1: Rates and Fixing Periods

Loanable amounts and appraisal costs

The appraisal fee pays for valuation. The financing percentage determines the collateral-based lending ceiling. Neither guarantees the amount approved: income, existing obligations and property eligibility also matter.

Published borrowing limits, fees and repayment terms
BankLoan amountFinancing limit / basisAppraisal feeRepayment term
BPI₱400,000 minimum; maximum subject to property value and approvalUp to 90% of property value, subject to appraisal₱5,000Up to 30 years
PSBank₱500,000–₱25 millionUp to 80% of appraised value₱5,500 per title, including title handling; qualifying developer transactions may receive a waiverUp to 25 years for eligible homes; 10 years for residential lots
Security BankRequest written quotationUp to 90% of selling price for qualifying primary homes from top-tier developers; 80% of appraised value for other primary-home acquisitions; 60% for investment/secondary homes and certain other purposes₱3,500 Metro Manila; ₱4,000 CALABARZON; Cebu and other provinces: location-specific quotation20 years for house-and-lot/townhouse/duplex; 15 years for condominium/vacant lot
Chinabank₱500,000 minimumFAQ states maximum 60% loan value of collateralPosted 2023 schedule: ₱5,000 plus transportation outside Metro Manila; reconfirm current fee20 years for house-and-lot/townhouse; 15 years for condominium
MetrobankRequest current amount/LTV quotationConfirm for the specific property₱4,000 in town; ₱4,500 out of town; ₱2,000 reappraisalUp to 25 years
BDORequest current peso minimum/ceilingUp to 80% of appraised property value₱5,000 within 30 km of any BDO branch; ₱5,500 beyond 30 kmUp to 25 years

For Cebu buyers, appraisal can change the cash requirement

Illustrative example: a ₱10 million selling price, ₱9 million bank appraisal and 80% appraisal-based financing ceiling would produce a maximum collateral-based loan of ₱7.2 million. The buyer would need ₱2.8 million before transaction costs, subject to affordability assessment. These are example figures, not an actual bank computation.

For a Cebu property, confirm the actual appraisal charge and whether the developer or project is accredited. Primary-home and investment financing may follow different policies.

Request a complete quotation, not just a headline rate

  1. Use the same loan amount, property and repayment term for every bank.
  2. Request the fixed rate, fixing period and post-fixing repricing formula.
  3. Confirm the approved amount and whether valuation uses selling price, appraised value or another basis.
  4. Compare appraisal, processing, registration, documentary, insurance and other charges.
  5. Ask about partial payments, early settlement, refinancing, promotional lock-in and fee-waiver clawbacks.
  6. Stress-test a higher payment after repricing before committing.

Official research sources

Confirm before applyingRates, fees, availability and bank policies may change. Obtain a current written bank quotation for your circumstances. CebuPropertyMan is the property marketing and inquiry contact, not the lender; bank approval is not guaranteed.
Discuss your property and financing goals

Share this article

Send this page to someone or save the link for later.