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Philippines – Property Financing

Mortgages for Foreign Nationals in the Philippines

Some local banks in the Philippines do issue mortgages to foreign nationals, but with limited options. Bank of the Philippine Islands (BPI), Metropolitan Bank & Trust Company (Metrobank), and China Bank are among the few banks that offer mortgages to foreign nationals.

Local Lenders in the Philippines

Deposit Requirements in the Philippines

The required deposit amount when buying a property in the Philippines varies depending on the bank and the loan amount. Typically, the minimum deposit required is around 20% of the property’s total value.

Outstanding Debts in the Philippines


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In the Philippines, the responsibility for outstanding debts on a property lies with the property owner, including new property owners. It is important to thoroughly check the property’s title and debts before purchasing.


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