PAG-IBIG & BPI requirements.

LOCALLY EMPLOYED REQUIREMENTS:

• COE (Certificate of Employment with compensation and date of issuance)
• If system generated need to provide email thread (NOTARIZED)
• 3 Months latest pay slip (if no compensation indicated in the COE)
• Authenticated by Human resource (HR name, position, number and email address)
• MDF (Members Data Form) Employment status: Employed private or Government employed
• 2 Valid ID with 3 specimen Signature (if married, both)
• 4pcs 1x1 picture white background
• Livebirth (if single)
• Marriage Certificate (if married)
• Tin verification slip (if married, both)
• SPA Special power of Attorney form (if applicable)
• 4pcs 1x1 picture white background of Atty in fact (if with SPA)
• Health Statement form (if two million above loanable)
• Conformity of non-relatives if with CO BORROWER
• Duly signed by Pag-ibig Personnel
• Correct and Active employer email add for employment verification

OFW REQUIREMENTS:

• Contract of employment (unexpired) with compensation
• 3 Months latest pay slip
• OEC (Overseas Employment Certificate) Issued by DMW Department of Migrant Workers
• Residence Certificate
• MDF Members Data Form Employment status: OCW OR OFW
• 2 Valid ID with 3 specimen Signature (if married, both)
• 4pcs 1x1 picture white background
• Livebirth (if single)
• Marriage Certificate (if married)
• Tin verification slip (if married, both)
• SPA Special power of Attorney form (if applicable)
• 4pcs 1x1 picture white background of Atty in fact (if with SPA)
• Employer ID (If Caregiver)
• Health Statement form (if two million above loanable)
• Conformity of non-relatives if with CO BORROWER
• Duly signed by Pag-ibig Personnel
• Correct and Active employer email add for employment verification

SEAMAN REQUIREMENTS:

• Contract of employment (unexpired) Signed by POEA
• Embarkation
• Seaman’s Book
• MDF Members Data Form Employment status: OCW OR OFW
• 2 Valid ID with 3 specimen Signature (if married, both)
• 4pcs 1x1 picture white background
• Livebirth (if single)
• Marriage Certificate (if married)
• Tin verification slip (if married, both)
• SPA Special power of Attorney form (if applicable)
• 4pcs 1x1 picture white background of Atty in fact (if with SPA)
• Health Statement form (if two million above loanable)
• Conformity of non-relatives (if with CO BORROWER)
• Duly signed by Pag-ibig Personnel
• Correct and Active employer email add for employment verification

BUSINESS REQUIREMENTS:

• ITR with Tax receipt (with received stamp from BIR and certified true copy from the original documents)
• Financial Statement
• Business Permit
• DTI Permit
• Business Sketch Location
• Business Picture
• MDF Members Data Form Employment status: BUSINESS OWNER/ PROF. BUSINESS OWNER
• 2 Valid ID with 3 specimen Signature (if married, both)
• 4pcs 1x1 picture white background
• Live Birth (if single)
• Marriage Certificate (if married)
• Tin verification slip (if married, both)
• SPA Special power of Attorney form (if applicable)
• 4pcs 1x1 picture white background of Atty in fact (if with SPA)
• Health Statement form (if two million above loanable)
• Conformity of non-relatives (if with CO BORROWER)
• Duly signed by Pag-ibig Personnel
• Correct and Active employer email add for employment verification

FREELANCE REQUIREMENTS:

• Certificate of engagement with compensation
• 1 year transaction history/ invoice (summarized)
• 1 year bank statement (if the 1 year transaction history submitted is in dollar rate)
• Sketch of Address
• MDF Members Data Form Employment status: SE-OEG
• 2 Valid ID with 3 specimen Signature (if married, both)
• 4pcs 1x1 picture white background
• Livebirth (if single)
• Marriage Certificate (if married)
• Tin verification slip (if married, both)
• SPA Special power of Attorney form (if applicable)
• 4pcs 1x1 picture white background of Atty in fact (if with SPA)
• Health Statement form (if two million above loanable)
• Conformity of non-relatives (if with CO BORROWER)
• Duly signed by Pag-ibig Personnel
• List of Identification cards
• PASSPORT , issued by the Philippine or foreign government
• PRC
• SSS ID/ UMID
• PAG IBIG LOYALTY CARD PLUS
• IBP (INTEGRATED BAR OF THE PHILIPPINES) ID
• OWWA ID
• SEAMAN’S BOOK
• DRIVER’S LICENSE
• SENIOR CITIZEN CARD
• POSTAL ID
• VOTERS ID
• OFW ID

• CHECKLIST OF REQUIREMENTS

I. BASIC REQUIREMENTS:

• - Duly Accomplished Application Form
• - Duly Accomplished GFSP (formerly MRI) Form
• - Copy of NSO Marriage Certificate if married
• - Copy of Death Certificate if widowed
• - Latest Original CENOMAR (Cert. Of No Marriage) with Attached Official Receipt if single
• - Certificate of Finality if Annulled
• - Judicial Recognition of Foreign Divorce Decree if Divorce
• - Copy of 2 Valid ID with Visible Photos & Signatures with 3 Specimen Signatures
• - Copy of Oath of Allegiance (for dual citizens)
• - BPI Account

II. INCOME DOCUMENTS:

If Locally Employed:

• - Certificate of Employment (COE) Indicating Position, Compensation and Length of Service
• - 3 Months Latest Payslips & ITR (if loan is below P3.0M, ITR may be waived)
• -3 months latest bank statements where salary is credited

If OFW-Seafarer:

• - Copy of Latest Contract from POEA and Certificate of Employment Issued by Manning Agency
• - Copy of Latest 3 Mos Wages Account or Payslips

If OFW Land-based:

• - Original Certificate of Employment (COE) with email address of supervisor or HR (scanned copies may be submitted for processing but original document has to be submitted prior to the signing of the loan documents)
• - Original 3 Months Latest Payslips
• - Credit Score
• - 3 months latest bank statements where salary is credited

If Self-employed - Corporation:

• - Articles of Incorporation/By-Laws/SEC Registration
• - Latest General Information Sheet
• - Latest ITR and Audited FS of business
• - 3 Mos latest Bank Statements of Business
• - List of Trade references (at least 3 names w/ telephone nos. & contact person/s of major suppliers/customers)
• -Certificate of Employment / 3 months latest payslips / 3 months latest bank statement where income is credited / Individual ITR

If Self-employed - Sole Proprietorship:

• - DTI registration & Mayor's Business Permit
• - Latest ITR and Audited FS of Business
• -3 Mos Latest Bank Statements of Business
• - List of Trade References (at least 3 names w/ telephone nos. & contact person/s of major suppliers/customers)

(If Self-employed - Outside the Country):

• - Consularized Business Papers
• - Consularized and Latest 1040 & W-2
• - Consularized 3 Mos Latest Bank Statements of Business

If Practicing Doctor:

• - Clinic address/es and schedules
• - 3 mos latest bank statements
• - Latest ITR & Financial Statements
• - Business Permit (if has own clinic outside the hospital)

If Salespersons:

• -6 mos Latest Vouchers & Bank Statements Showing Credits of Commission/s
• - Latest ITR and Audited Financial Statements

If Rental of Properties:

• - Copy of Rental/Lease Contracts (indicating name of tenants and rental amounts w/ complete addresses of properties being rented)
• - Photocopy of Title (TCT/CCT) being rented out
• - Latest ITR and audited FS of business
• - 3 mos latest bank statements showing rental income

If Pensioners:

• - Pension Papers
• - 3 mos Latest Bank Statements Where Pension is Credited

If Priests:

• - Certificate from the Archdiocese

III. COLLATERAL DOCUMENTS:

Collateral Documents (Not Accredited/Purchase from Individual Seller):

• - Photocopy of Owner's Duplicate of TCT/CCT (2 copies)
• - Photocopy of Tax Declaration on Lot & Building
• -Lot Plan/Vicinity Map
• - Validated Deposit Slip for Appraisal Fee amounting to P 7,000.00
• - Notarized Contract to Sell

Collateral Documents (if accredited):

• Statement of Account from the Developer / Term Sheet with attached Contract to Sell
• - Photocopy of Subdivided TCT and Approved Technical Description of Property for Purchase

Collateral Documents (Construction):

• - Photocopy of individual TCT/CCT (2 copies)
• - Photocopy of Tax declaration on lot & building
• - Lot Plan/Vicinity Map
• - Bill of Materials
• Building Plan
• Building Permit
• - Validated Deposit Slip for Appraisal Fee amounting to P 7,000.00

Additional Requirements if Take Out/Refinancing:

• -Latest 6 months Proof of Payment on Amortization from the other Bank/Financing Company
• -Certification of Outstanding Balance

Additional Requirements if Reimbursement:

• -Notarized Certificate of Full Payment signed by the Seller
• -Official Receipt of Full Payment

Requirements for Individual Seller of the Property:

• Copy of 2 Valid ID with Visible Photos & Signatures
• - Copy of marriage contract if married
• - Statement of Account with Certificate of Full Payment on Equity
• - Notarized/Consularized SPA (if seller/s will leave the Phils for good; has to include the names of all sellers as indicated in the Title has to include words such as to claim, encash and deposit check of loan proceeds)
• PEL
• - Copy of TCT/CCT of property to purchase (Purpose)
• - Notarized Contract to Sell of property to purchase -Proof of Purpose

Other:

• -5 Sets of Notarized SPA (if still here in the Phils, should be notarized before leaving)
• -2 Sets of Consularized SPA (if outside the country)