Great Service. Competitive Rates. If your bank can’t give you either, then it’s time to move your housing loan to us. Get it Now!
What’s It All About?

If your bank isn’t able to deliver the level of service that you require, or give you the competitive rates that you need, then maybe it’s time to move to a bank that understands what you’re looking for.

With Loan Refinancing you can borrow up to 80% of the appraised value of your house and lot, townhouse or condominium (up to 60% for a vacant residential lot).

And with some of the most competitive rates in the market, a minimum loan amount of just Php500,000, and maximum term of up to 15 years for your house and lot or condominium (up to 10 years for vacant lot), our Loan Refinancing product can make your loan more affordable

Experience better service and rates today. Apply for a Home Loan Refinancing today.

Am I Eligible to Apply?
  • Your age plus the term of the loan should not be more than 65 years old once the loan matures.
  • You should be gainfully employed in a reputable company for at least 2 years; or
  • You own a business that has been registered and operational for at least 3 years and has been profitable in the last 2 years.
  • For overseas workers, you should have a contract of employment for 2 years.
  • If you are a seafarer, you should be at least in an officer level position and should be working for at least 2 continuous years.
  • An attorney-in-fact is required for overseas workers or seafarer applicants

To know more on the eligibility requirements, you may reach out to any of our Mortgage Loan Officers.


Basic requirements (for both spouses):

  • Housing loan application from (completely filled out)
  • Government Issued IDs
  • Marriage Certificate (if married) and CENOMAR (if single)


  • If Employed:
    1. 3 months payslip
    2. Income Tax Return (latest year)
    3. Certificate of Employment for both spouses
  • Self-employed / Entrepreneurs:
    1. Business Registration/Permits
    2. Latest 2 years Audited Financial Statements

    3. Company profile/business background or List of Major Suppliers and Customers with contact details (at least 5)
    4. Income Tax Return (latest 2 years)
    5. Latest 6 months Bank Statements/Passbook
  • Overseas Workers:
    1. Contract of Employment / Employment Certificate
    2. History of Employment / Latest Crew Contact (if applicant is a Seafarer)
    3. Special Power of Attorney (using Maybank’s format)
    4. Latest 6 months bank statements/proof of remittance
    5. Latest ITR (if applicable)


  • House and Lot:     
  1. Copy of Tax Declaration (Lot and Improvement)
  2. Copy of Transfer Certificate of Title (TCT)
  • Condominium:
  1. Copy of Condominium Certificate of Title (CCT)
  2. Copy of Master Deed of Declaration and Restriction Copy of Tax Declaration
  • Home Construction:
  1. Building Plan
  2. Bill of Materials/Construction Cost Estimates
  • Refinancing:
  1. Updated Statement of Account from originating institution
  2. History of payment from originating institution

***Please note that additional requirements may be asked based on the nature of the borrower’s profile / account / collateral type.

Bank’s Forms
  • Application Form 
  • List of Requirements
  • Authority to Conduct C.I.
  • Life Insurance Form
  • SPA Forms
Interest Rates
  • 1 year fixing : 6.75% p.a.
  • 3 year fixing : 7.25% p.a.
  • 5 year fixing : 7.50% p.a.

Subject to annual repricing thereafter.

  • 1 year fixing : 6.75% p.a.
  • 3 year fixing : 7.25% p.a.
  • 5 year fixing : 7.50% p.a.

Subject to annual repricing thereafter.

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Maxi-Home Loan Calculator


Monthly Amortization


Factor Rate

DisclaimerAbove-mentioned add-on rates are quoted for sample computation and estimate only.

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  • Maybank Philippines Inc., is regulated by the Bangko Sentral ng Pilipinas (BSP). For inquiries or complaints, you may contact Maybank Customer Service hotline at (02) 8588 3888 or our toll-free number 1800 10 588 3888. Alternatively, you may also send an email to You may also contact BSP at (02) 8708 7087 or


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