Security Bank Home Loan – Offers Low-interest Rates Starting at 6.25% Fixed for 1 to 3 Years with Fast-approval and Payment Terms of up to 20 years! Get Your Dream House Now!

security bank home loan


Suppose you are looking for a bank partner to help you with buying or building your dream house. For renovating or refinance. Then Security Bank Home Loan is what you need.

Security Bank knows the feeling of having a home you can call your own and even making your DREAM home a reality! That is why they created this loan product where application and approval are fast, and loan term and interest rate are fair and affordable.

In this article, we will tell you all you need to know about Security Bank Home Loan, such as their loan feature, how to be eligible, the steps for applying, requirements and repayments, and so much more.

We also provided some tips on how to get approved if you want to apply for a home loan. Make sure to read all the way to know what these tips are. It can surely help you.

security bank home loan

Security Bank Home Loan Feature

Here at Security Bank Home Loan, you can loan up to 80% of your desired property!

First loan

0% fees

97% recommended

Repayment: Up to 180 days

Age: 21-70 years old


Up to P25,000

Best Choice

Suppose you will take a New House & Lot, Townhouse, Duplex, or Condominium. You can loan up to 80% of appraised value.

If you take a Second Home/ Investment Use or a Vacant Lot loan, you can loan 70% of appraised value.

Security Bank Home Loan has a loan term minimum of 1 year and a maximum of up to 25 years. There are different maximum loan terms, depends on where you would use it. 

If you will avail of a House and Lot loan, the maximum loan term is 25 years. For Townhouse or Duplex, the maximum loan term is 20 years, and for a Residential Vacant Lot or a Condominium Unit, the maximum loan term is 15 years.

The interest rate here at Security Bank Home Loan is low and affordable. With an interest rate starting at 6.25% fixed for 1-3 years. You can now enjoy living in your own home without the burden of paying high monthly payments. 

When you choose a loan term higher than 1-3 years, the interest rate will change. For example, if you select a five (5) years loan term, the interest rate for that is 6.75%, and for a ten (10) years loan term, the interest rate would be 7.75%.

Note: Your interest rate’s final and confirmed information will depend on your loan amount and loan term upon loan approval.

Approval time here at Security Bank for your loan application only takes five (5) days. That’s fast! No need to wait for a week.

How to be eligible for Security Bank Home Loan

 To qualify for Security Bank Home Loan, you should meet these qualifications listed below.

  • Your age must be at least 21 years old but not more than 65 years old.
  • You must be earning a combined monthly income of P50,000.00.

FOR EMPLOYED

  •  Must be continuously employed for at least two (2) years.

FOR SELF-EMPLOYED

  •  Your business must be legitimate and profitable for the last three (3) years.

Another way to find out if you are qualified for Security Bank Home Loan is to try their Home Loan Pre-Approval Quiz. If you want to try it, you can click here.

How to apply for Security Bank Home Loan 

There are three (2) easy ways of applying for a Security Bank Home Loan. You can apply through 

  • Accredited Developer
  • Online
  • By going to their branches
  • ACCREDITED DEVELOPER
security bank home loan
  • ONLINE

Applying online is the most convenient since we are now in a digital age where we can almost do everything through our phone, from shopping to ordering food, and now, even banking.

Banks like Security Bank take their service up to date and make it convenient for us.

That is why they have created an online application. You don’t need to go out and stand in long lines while risking your life with Covid-19 still roaming around looking for a victim. Now you can apply at the comfort of your home, safe and sound.

But since this is online, you need to prepare your gadget and make sure that you have a stable connection to avoid interruption during the loan process.

If you are interested and want to apply online, you can click here.

First loan

0% fees

97% recommended

Repayment: Up to 180 days

Age: 21-70 years old


Up to P25,000

Best Choice

security bank home loan
Image Source: Security Bank Home Loan Website
security bank home loan
  • GOING TO THEIR BRANCHES

If you have a lot of time and prefer these old ways by going to their branches, you can do so.

If you choose to apply by going to their branches, make sure you follow safety protocols like wearing a mask and face shield. Also, make sure you have a strong immune system to avoid the risk of getting the virus.

When applying at their branches, you need to download this document first and fill it up before going to their branches.

security bank home loan
security bank home loan
Image Source: Security Bank Home Loan Website

Security Bank can give you the service you need wherever you are in the Philippines, with their branches available nationwide. If you want to know the Security Bank branch near your place, you can check it here.

Pieces of information such as branch address, map, working hours, working days, email, and contact number are all provided.

Here is an example of how to find a branch near your place.

security bank home loan
Image Source: Security Bank Home Loan Website

On the left side, enter your Region and your City. Here, for example, I will select Mindanao as the Region and Davao as the City.

security bank home loan
Image Source: Security Bank Home Loan Website

After you click enter, Security Bank will show all available Security Bank branches in the selected area on the map.

security bank home loan
Image Source: Security Bank Home Loan Website

And on the left side, you can see the list available with their important details, such as their contact number, email, working hours, and days.

The best loans for you 💸

Interest rate

0% at first loan

95% recommended

Repayment: Up to 180 days

Age: 21-70 years old


Up to P20,000

Best Offer

security bank home loan
Image Source: Security Bank Home Loan Website

Security Bank Home Loan Requirements

Well, of course, your loan application wouldn’t complete without this list of requirements. If you want to avail of Security Bank Home Loan, you should present and prepare the following.

  • FOR LOCALLY-EMPLOYED BORROWERS
security bank home loan
Image Source: Security Bank Home Loan Website

Here is an example of the Latest Certificate of Employment and Compensation.

security bank home loan
Image Source: Security Bank Home Loan Website
  • FOR SELF-EMPLOYED BORROWERS
security bank home loan
Image Source: Security Bank Home Loan Website
  • FOR CORPORATE BORROWERS
Image Source: Security Bank Home Loan Website
  • FOR OFW BORROWERS
security bank home loan
Image Source: Security Bank Home Loan Website
  • COLLATERAL DOCUMENTS REQUIREMENTS
Image Source: Security Bank Home Loan Website

Here is an example of a copy of the collateral title (TCT/CTC)

security bank home loan
security bank home loan
security bank home loan
security bank home loan
Image Source: Security Bank Home Loan Website

Here is an example copy of Tax Declaration on Land and/or improvement for Land

security bank home loan
security bank home loan
Image Source: Security Bank Home Loan Website

Here is an example copy of Tax Declaration on Land and/or improvement for a Condo

security bank home loan
security bank home loan
Image Source: Security Bank Home Loan Website
  • ACQUISITION FORM ACCREDITED DEVELOPER
security bank home loan
Image Source: Security Bank Home Loan Website

Here is an example of a Contract to Sell or Reservation Agreement

security bank home loan
security bank home loan
security bank home loan
Image Source: Security Bank Home Loan Website
  • HOME CONSTRUCTION or RESERVATION
security bank home loan
Image Source: Security Bank Home Loan Website

Here is an example of Bill of Materials and Estimates of Construction and Labor Cost

security bank home loan
security bank home loan
Image Source: Security Bank Home Loan Website

Here is an example of Floor and Building Plan and Building Specifications

security bank home loan
security bank home loan
security bank home loan
security bank home loan
Image Source: Security Bank Home Loan Website

You also need to prepare a Special Power of Attorney (SPA) document.

security bank home loan
security bank home loan
security bank home loan
Image Source: Security Bank Home Loan Website

If you apply online, you can send these requirements via email.

If you apply on their branches, make sure you prepare all the needed requirements for your loan application’s faster transaction.

How to Pay your Security Bank Home Loan

You can pay your loan via Auto Debit Arrangement or ADA. Here, your payment will be automatically deducted from your Security Bank account.

To do this, you need to open an account first in any Security Bank branch. During loan application for a home loan, enroll the account as your settlement account for your housing loan upon booking.

Security Bank will collect your equal monthly amortization of principal and interest one (1) month after loan release. And the following amortization due date shall follow the date of the first amortization.

What Other Say About Security Bank Home Loan Service

security bank home loan

Are you an OFW who wants to avail of this kind of loan service? Well, you can! Security Bank Home Loan makes it available for you.

Security Bank Home Loan is a great deal for those who want to build their dream home or renovate old houses into new and fit their dream house design.

Tips on How to Get Approved for Security Bank Home Loan

I know you are all excited about this since applying for a home loan is not easy, unlike getting a personal loan, which is practically easier.

To have an idea of how to get approved for a Security Bank Home Loan, we would like to share these tips. These are tips given by Security Bank itself, and you can read them on their website also. But if you are here already, then just continue reading. LOL

TIP # 1 EVALUATE YOUR FINANCIAL CAPACITY

This means that you should know the limit of your income. Calculate first if your assets or monthly income can cover all the expenses if you apply for a home loan. One of the best ways to do this is by talking with your potential lender. They can help you evaluate your financial capacity.

TIP # 2 CLEAN UP YOUR CREDIT HISTORY

One of the most important that you should always keep in mind, especially if you have considered taking a loan. Others tend to ignore this cause they think that past records would be forgotten, or the bank where they are taking a loan wouldn’t know that they have a bad credit history from other banks or lending platforms.

That mindset is a big mistake. Banks and other lending platforms share information and the history of non-paying borrowers. This only shows that your credit history is like a smoke that you can’t keep. It’s not a secret. Banks share this important information with other lenders cause it’s a big red flag for them.

But it’s not too late (for those who have a bad credit history), and you can still change that. How? Clean up your credit history and make it good to perfect! Pay on time, pay off unpaid loans and get a payment certificate from the lending institution, and eliminate credit card balances.

TIP # 3 CREATE STABILITY

Be financially stable. Maintain stable cash flow and avoid getting new and big debt.

Quitting a job to change on becoming a self-employed person during the loan process is a big red flag for lenders. But that doesn’t mean that you cant do that. This only means that if you plan to be a self-employed person, do it before (2-3 years) getting a home loan and making sure that your business has a stable income source.

Also, keep in mind that to avoid major purchases while you are still in the process for your home loan application, like getting a new car or funding big expenses like grand weddings or parties.

TIP # 4 PREPARE ALL REQUIRED DOCUMENTS

Before applying for a loan, make sure that you have prepared all of this. Especially that one thing that can prove who you are, your up-to-date Valid ID, and make sure that the address on all your IDs is all correct.

Also, keep in mind that applying for a home loan requires a lot of requirements/ documents. Make sure that you compile them before you start your Security Bank Home Loan application.

Those are some of the tips that we would like to share. If you wish to know more information, click here and read more helpful tips for a bigger chance of approval.

Taking a home loan is not that easy. It takes a lot of time, patience, and money, But it is an excellent investment. If you have all that it takes to qualify for Security Bank Home Loan, then you should go for it.

If you plan on buying a house, you also need to buy stuff to fill it in. While a home loan can help you avail your dream house, a personal loan can help you buy the things you need to fill it in.

These banks offer personal loans with low add-on interest rates and long loan terms. You can use this to buy what you need to beautify your dream house.

For more list of banks that offer personal loans with a low-interest rate and long loan terms, you can also check this out.

Are you looking for a loan for an emergency? You can also check this out. This list of online lendings offers fast cash, perfect for emergency needs.

For more information and queries, you can contact Security Bank at the following.

  • Costumer Service Hotline: +632 8887-9188/ 1-800-1-888-1250
  • Email: customercare@securitybank.com.ph

Source: Security Bank Home Loan

The best loans for you 💸


First loan

0% fees

97% recommended

Repayment: Up to 30 days

Age: 21-70 years old


Up to P25,000

Best Choice

Interest Rate

0% at first loan

98% recommended

Repayment: Up to 30 days

Age: 20-65 years old


Up to P20,000

Super Fast

Waiting Time

Instant Approval

95% recommended

Repayment: Up to 180 days

Age: 21-70 years old


Up to P20,000

Best Loan

Show Comments

1 thought on “Security Bank Home Loan – Offers Low-interest Rates Starting at 6.25% Fixed for 1 to 3 Years with Fast-approval and Payment Terms of up to 20 years! Get Your Dream House Now!”

  1. think twice for this lending company..beware its a super loan shark.you are paying more than what you have borrowed from them.


Security Bank Personal Loan – Collateral FREE and Co-maker FREE! Offer as low as 1.69% monthly add-on interest per month. Best Loan Offer!

security bank personal loan


If you are looking for a personal loan that is accessible, simple, and flexible, then availing for Security Bank Personal Loan is one of the best options.

But why Security Bank Personal Loan? Cause not only they provide low-interest rate and flexible loan term. They also make a stress-free way of availing of their loan.

Security Bank makes sure that availing of their loan can provide help to Filipinos financial needs. They make sure that their requirement is simple and made their qualifications easier for Filipinos to qualify. They also made this loan offer collateral and co-maker free!

Are you interested in Security Bank Personal Loan offer? Then don’t close this page. This article will tell you all the information you need to know about Security Bank Personal Loan.

Security Bank Personal Loan Feature

Security Bank Personal Loan will let you loan an amount ranging from P30,000.00, which is the minimum, and P2,000,000.00, which is the maximum. 

They have a flexible loan term of 12 up to 36 months. And they have an affordable monthly add-on rate of 1.39% – 1.69% percent per month, and the Annual Percentage Rate begins at 29.48%.

Note: This rate may change, depends on the approved loan amount and loan tenure.

Approval of loan here at Security Bank takes only three (3) up to five (5) banking days. If you need immediate money for emergencies, then this offer is the right choice for you. Quite quick! Considering that most bank takes up to seven (7) days before you can get your loan application’s approval. 

However, if you are one of those who can’t wait for days and want a quicker loan approval, you can check out CIMB Bank Personal Loan as an alternative, here you can get your loan approval as quick as 24 hours! Or check out this list we made of online lendings that offer fast cash.

After the loan approval, Security Bank will call you and notify the result of your loan application. 

Note: Due to pandemic and quarantine are applied, you may experience delays in processing your loan application. But, rest assure that Security Bank will update you once your loan has been processed.

How to be eligible for Security Bank Personal Loan

To qualify for a Security Bank Personal Loan, you should meet these qualifications listed below.

  •  You must be a Filipino Citizen, currently living here in the Philippines
  •  Your age must be at least 21 years old but not more than 65 years old at the time of application.
  •  You must have a residence or an office landline.
  •  Your office or place must be within the bank’s service processing area.

For EMPLOYED

  •   Having a stable source of income is a must
  •   Minimum gross monthly income must reach the following
    • Inside Metro Manila – P15,000.00
    • Outside Metro Manila – P12,000.00

For SELF-EMPLOYED/ SELF-EMPLOYED PROFESSIONALS

  •  Your business must be operating for at least two (2) years with at least one (1) trade reference.
  •   You must be the business owner or the majority owner with at least 40% stake.
  •   Minimum gross monthly income must reach P100,000.00.

OR

  • Inside Metro Manila
    • P30,000.00 gross monthly income
    • P15,000.00 net monthly income
  • Outside Metro Manila
    • P25,000.00 gross monthly income
    • P15,500 net monthly income

From what you have seen (and read), Security Bank Personal Loan qualification is simple, and it is easy to qualify. Did you qualify? Then don’t hesitate to apply now! 

Another way to know if you are qualified for Security Bank Personal Loan is by taking their Personal Loan Pre-Approval Quiz. Here you will find out if you pre-qualify for a personal loan. Want to try the quiz? Click here.

Image source: Security Bank Website

How to apply for Security Bank Personal Loan 

Yes, it is easy to qualify for Security Bank Personal Loan, but are you still having the doubt cause you don’t know how to apply? don’t worry, we got your back! We will show you how to apply for Security Bank Personal Loan. 

There are two (2) ways to apply for Security Bank Personal Loan, one is online, and the other is by going to their branch. Let’s tackle first the online loan application.

security bank personal loan
  • ONLINE

Since everything seems to be going digital these days, Security Bank makes sure that they are not left behind. They upgraded their service and made a loan application online.

security bank personal loan
Image source: Security Bank Website

No one can deny it. We all know that this is the most convenient, especially during these pandemic times where going out is very risky cause Covid-19 is still out there, roaming around with its new variant making it scarier to go out.

And since this is online, make sure that you have a stable internet or data connection (to avoid problems during your loan process) and have your gadget ready.

For an online loan application, you can click here.

First loan

0% fees

97% recommended

Repayment: Up to 180 days

Age: 21-70 years old


Up to P25,000

Best Choice

After you click, this is what you should see.

security bank personal loan
Image source: Security Bank Website

You should provide all the information they asked and also answer honestly, and always check for errors to avoid unnecessary problems in the future. After providing all the information, click “NEXT PAGE” to proceed with the loan application.

security bank personal loan
  • GOING AT THE BRANCH

The old ways. Suppose you have a lot of time and prefer doing the loan process at their branch, why not! Just make sure to follow safety protocols like wearing a mask and face shield. And make sure you have a strong immune system to avoid the risk of getting the virus.

Although, lots of people today would choose the digital process for their loan application. But, others would prefer going to the bank branches because maybe banks are near their place or have limited resources used for digital banking.

If that’s the case for you, then it is okay. Download this Security Bank Personal Loan application form first, then fill it up before going to Security Bank branches.

security bank personal loan
security bank personal loan
Image source: Security Bank Website

To see the list of Security Bank branch near you, you can search it here. Information about their branches operating time and hours are also provided.

Note: For those who don’t know how to calculate their Gross Annual Income, this is how you do it. (These are for those who are paid daily.)

  • First, Divide your salary by the number of hours you are working per day. For example, If I work 8 hours per day and I am paid P400.00 daily, this is how I will calculate my Gross Annual Income.
security bank personal loan
  • Second, Multiply the result by the number of hours you work per week.
security bank personal loan
  • Third, Multiply the result by 52
security bank personal loan
  • The result is your Gross Annual Income. 

Also, take note that your Gross Annual Income is not limited to your income in cash. You can also add your property or services received. Gross Annual Income comes from all of your sources.

Security Bank Personal Loan Requirements

Your loan application wouldn’t complete without requirements. Below you will see a list of requirements you need to provide if you want to apply for Security Bank Personal Loan.

The best loans for you 💸

Interest rate

0% at first loan

95% recommended

Repayment: Up to 180 days

Age: 21-70 years old


Up to P20,000

Best Offer

  • Completely filled-out and signed application form
  • Signed Promissory Note and Disclosure Statement
  • Company ID with clear photo and signature (photocopy only)
  • 1 Valid government-issued ID with three (3) specimen signatures (Photocopy only)

For EMPLOYED

Proof of income

  •  Latest original 1-month payslip
  •  Latest BIR Form 2316

For SELF-EMPLOYED

  • Latest ITR with BIR stamp and tax receipt
  • Two (2) years Audited Financial Statements
  • SEC/DTI Certificate of Registration
  • Six (6) months Bank Statements

Valid ID’s they accept:

  • Passport ID
  • Driver’s License ID
  • SSS or UMID ID
  • PRR ID
  • Voter’s ID

Note: Security Bank may require additional documents to process the loan.

Security Bank Personal Loan Fees and Charges

Like any other bank, Security Bank also has fees and charges deducted from your loan proceeds. Here is the information on Security Bank fees and charges.

Processing Fee: P2,000.00 (will be deducted from loan amount upon booking)

Documentary Stamps: P1.50 for every P200.00 (this is for loans exceeding P250,000.00)

Note that Security Bank has a late payment fee of 3% of the amount due or P500.00, whichever is higher. If you don’t want to pay more than what you need to pay, then settle your payables on time. Also, paying on time or not will affect your credit history record. A good to perfect credit history means a higher chance of approval.

There is also a processing fee of P2,500 if you want to pre-terminate your loan. That will be applied to your account. And they will also implement a closure handling fee of P2,500.00.

How to get your loan proceeds

Your cash will be released through a Manager’s Check (MC) or Credit to Security Bank Account. You can also claim your money at the Loan Releasing Area or through Security Bank branch where loan is applied.

You must bring the following listed below when you claim your money.

For EMPLOYED

  • Company ID and one (1) Valid government-issued IDs (Original Copy)

For SELF-EMPLOYED

  • Two (2) Valid government-issued IDs (Original Copy)

Other documents required for booking (will be relayed by the Security Bank representative who will call you)

If you are still not sure about availing Security Bank Personal Loan, you can also check out our bank list that also offers a personal loan. There in the list, you can find HSBC Personal Loan, which offers low monthly add-on interest rate, as low as 0.65%! PSBank, which offers personal loan with a revolving credit line and fixed term, and so much more.

For queries and more information, you may contact Security Bank Customer Service Hotline at 02-88879188 or email them at plonlineapp@securitybank.com.ph. 

Source: Security Bank Personal Loan

The best loans for you 💸


First loan

0% fees

97% recommended

Repayment: Up to 30 days

Age: 21-70 years old


Up to P25,000

Best Choice

Interest Rate

0% at first loan

98% recommended

Repayment: Up to 30 days

Age: 20-65 years old


Up to P20,000

Super Fast

Waiting Time

Instant Approval

95% recommended

Repayment: Up to 180 days

Age: 21-70 years old


Up to P20,000

Best Loan

Show Comments

10 thoughts on “Security Bank Personal Loan – Collateral FREE and Co-maker FREE! Offer as low as 1.69% monthly add-on interest per month. Best Loan Offer!”

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