EastWest Bank Home Loan Application Form: Download, Fill & Submit

There are three ways to get the EastWest Bank home loan application form:

• Walk into any EastWest Bank branch. A loans officer will hand you the application form and can walk you through the initial requirements. You can find the nearest branch on the EastWest Bank website.
• Request it from EastWest Bank directly. You can call the EastWest Bank customer service hotline or send an inquiry through their official website to have the form sent to your email.
• Apply through Nook. Nook is an accredited digital mortgage broker for EastWest Bank. When you start an application through Nook at nook.com.ph, we collect your details digitally and submit them to the bank on your behalf — no physical form required, and no broker fee charged to you.

Note that EastWest Bank does not always make its home loan application form publicly available for direct download from its website, so contacting the bank or applying through an accredited broker like Nook is usually the fastest route.

EastWest Bank does not consistently publish a downloadable PDF of its home loan application form on its public website — the form is typically provided directly by the bank's loan officers at a branch, or sent to applicants upon request. This is common practice among Philippine banks, as the forms are periodically updated and the bank prefers to ensure applicants are working from the most current version.

Your best options are:

• Visit an EastWest Bank branch and pick up the form in person.
• Email or call EastWest Bank's loan center to request the current form.
• Apply through Nook, which replaces the paper form with a streamlined online application and handles submission directly with the bank — completely free of charge.

If you find a PDF labeled as an EastWest Bank home loan form through a third-party website, exercise caution — it may be outdated or unofficial.

Filling out the form accurately is critical — errors or missing information are one of the top reasons applications are delayed. Here's a section-by-section guide to what you'll typically encounter:

1. Personal Information. Fill in your full legal name exactly as it appears on your government ID. Include your date of birth, civil status, nationality, TIN, and SSS or GSIS number. Married applicants should also provide their spouse's details.
2. Contact Details. Provide a current mobile number and email address where the bank can reach you. Include your present and permanent address with postal codes.
3. Employment and Income. Salaried employees should state their employer name, position, length of service, and gross monthly income. Self-employed applicants should disclose their business name, nature of business, years in operation, and monthly income. OFWs should indicate their country of deployment and employer details.
4. Loan Details. Specify the loan purpose (purchase, refinancing, renovation, home equity, etc.), the loan amount you are applying for, and your preferred loan term in years.
5. Property Information. Include the complete address of the property, the type of property (house and lot, condominium, vacant lot), and the estimated market value. Attach a copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) if available.
6. Co-borrower Details (if applicable). If you are applying with a co-borrower (often a spouse or immediate family member), their information will need to be completed in the same level of detail.
7. Signature and Date. Sign all required signature fields. Do not leave any field blank — write N/A where a question does not apply to you.

Double-check all figures, particularly your declared income and the loan amount, to make sure they are consistent with the supporting documents you will attach.

The application form alone is not sufficient — you must submit a complete set of supporting documents. EastWest Bank typically requires the following:

For all applicants:

• Completed and signed application form
• Two valid government-issued IDs (front and back)
• Proof of billing or residence (utility bill dated within the last 3 months)
• Tax Identification Number (TIN)

For salaried employees:

• Certificate of Employment and Compensation (COEC) dated within the last 3 months
• Latest 3 months' payslips
• ITR (BIR Form 2316) for the last 2 years, stamped by the employer

For self-employed applicants:

• DTI Registration or SEC Registration
• Audited Financial Statements for the last 2 years
• ITR for the last 2 years with BIR stamp
• Business bank statements for the last 6 months

For OFWs:

• Valid passport and work visa
• Employment contract or POEA-verified contract
• Latest 3 months' payslips or proof of remittance
• Special Power of Attorney (SPA) if signing is done by an authorized representative in the Philippines

Property documents (for all loan purposes):

• Copy of TCT, CCT, or Tax Declaration
• Latest Real Property Tax (RPT) receipt
• Vicinity map and lot plan
• Contract to Sell or Deed of Absolute Sale (for purchases)

Requirements may vary depending on the loan purpose and your employment type. Always confirm the latest checklist with EastWest Bank or with your Nook mortgage advisor. You can also review the full EastWest Bank housing loan requirements for a detailed breakdown.

Yes. EastWest Bank uses a single home loan application form for all employment types — salaried employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, and licensed professionals. The form contains sections for each employment type, and you simply complete the section that applies to you and leave the others marked N/A.

The key difference lies in the supporting documents, not the form itself. OFWs, for example, need to provide a Special Power of Attorney if they cannot be physically present to sign documents in the Philippines. Self-employed applicants need audited financials instead of payslips. EastWest Bank accommodates all of these borrower profiles, with a minimum monthly income requirement of 40,000 pesos across all categories.

If you are an OFW or self-employed and find the documentation process complex, applying through Nook can simplify things significantly — our advisors are experienced in handling non-traditional income profiles and can guide you through exactly what to submit.

Once your application form is complete and your documents are compiled, you have two submission options:

1. In-person at an EastWest Bank branch. Bring your original documents and photocopies to the branch's loan center. A loan officer will review your submission, acknowledge receipt, and provide you with a reference number. This is the traditional route and gives you the opportunity to ask questions face to face.
2. Through an accredited broker like Nook. Nook collects your application details and documents digitally and submits them directly to EastWest Bank on your behalf. This eliminates the need to visit a branch and is entirely free for borrowers. Nook can also submit your profile to multiple lenders simultaneously so you can compare options before committing.

After submission, EastWest Bank will typically conduct an initial screening within a few business days. If your application is in order, they will proceed to property appraisal and credit evaluation. Keeping your phone and email accessible during this period is important, as the bank may need to clarify details.

EastWest Bank's typical approval timeline through Nook is approximately 19 business days from the date of complete document submission. This is competitive compared to many Philippine banks, where processing can take 30 to 45 days or longer.

The 19-day timeline assumes your documents are complete and correct from the outset. Delays most commonly occur when:

• The application form has missing or inconsistent information
• Supporting documents are incomplete or expired
• The property requires additional appraisal time (e.g., for pre-selling or under-construction properties)
• Additional verification is needed for income declared on the form

Submitting through Nook can help reduce delays because our advisors review your documents before submission to catch any issues. For more information on timelines and what to expect at each stage, see our EastWest Bank housing loan calculator and guide.

Understanding the pitfalls can save you weeks of waiting. The most common reasons EastWest Bank — and Philippine banks generally — decline or delay home loan applications include:

• Insufficient income. EastWest Bank requires a minimum gross monthly income of 40,000 pesos. If your declared income, after verifying payslips and ITRs, falls below this threshold, your application will not proceed.
• High debt-to-income ratio. EastWest Bank applies a maximum debt-to-income (DTI) ratio of 40%. If your existing loan repayments plus the new monthly amortization would exceed 40% of your gross monthly income, the loan amount will be reduced or the application declined.
• Negative credit history. Unpaid credit card balances, loan defaults, or bounced checks flagged in the Credit Information Corporation (CIC) database can result in rejection.
• Incomplete documents. Missing even one required document — such as the BIR-stamped ITR or the latest RPT receipt — can put your application on hold.
• Property issues. If the property has title encumbrances, boundary disputes, or valuation that doesn't support the requested loan amount, the bank may reduce the approved loan or decline entirely.
• Inconsistent information. Discrepancies between what you declare on the form and what your documents show — particularly regarding income — are a major red flag during credit evaluation.

If you're unsure whether your profile meets EastWest Bank's criteria, speak with a Nook advisor first. We'll give you an honest assessment before you invest time in a full application.

EastWest Bank offers fixed-rate home loan packages for various repricing periods. The current rates available through Nook are:

• 1-Year Fixed: 5.99% p.a.
• 3-Year Fixed: 6.25% p.a.
• 5-Year Fixed: 6.49% p.a.
• 7-Year Fixed: 7.00% p.a.
• Home Equity: 6.25% p.a.

These are among the most competitive home loan rates currently available in the Philippines. For context, many homeowners are currently paying between 7% and 10% on existing loans — which is why refinancing through EastWest Bank at 5.99% can result in significant monthly savings.

To illustrate: on a loan balance of 3,000,000 pesos with a 20-year term, the difference between a 8.5% rate and 5.99% is roughly 4,400 pesos per month — or more than 52,000 pesos per year in savings.

Please note that interest rates are subject to change and you should verify current rates at the time of application. Use the EastWest Bank housing loan calculator to model different rate and term scenarios based on your specific loan amount.

Yes — and it's completely free. Nook is an accredited digital mortgage broker for EastWest Bank in the Philippines. Here's how it works:

1. You fill out one online form at nook.com.ph. It takes about 10 minutes and covers the same information as the bank's application form, in a much more guided format.
2. Nook reviews your profile and advises you on the best loan structure and rate available for your situation — including whether EastWest Bank or another lender is the better fit.
3. We compile and submit your application directly to EastWest Bank (and other lenders if you want to compare), along with your supporting documents.
4. We track progress and communicate with the bank on your behalf, keeping you updated throughout the process.

Nook does not charge borrowers any fee — our service is funded by the banks. You get the same (or better) rates as applying directly, plus expert guidance and significantly less paperwork. If you're considering refinancing your existing home loan to take advantage of EastWest Bank's 5.99% p.a. rate, Nook can calculate your exact savings and manage the entire process for you.