EastWest Bank Home Loan Application Form 2026: How to Download & Fill Out

You can obtain the EastWest Bank home loan application form through three main channels. First, you can visit any EastWest Bank branch and request a physical copy from the loans desk — a bank officer will typically walk you through the sections before you leave. Second, EastWest Bank may make the form available for download via their official website (eastwestbanker.com), though availability online can change; always verify you're downloading the most current version. Third — and the most convenient option — you can apply through Nook, which handles the entire form process digitally on your behalf. Nook's mortgage specialists will gather your information, pre-fill the form correctly, and submit it to EastWest Bank as part of a complete, bank-ready application package. This eliminates the risk of submitting an outdated or incomplete form.

Banks periodically update their application forms to reflect changes in regulatory requirements, loan products, or internal processing standards. EastWest Bank may issue an updated form for 2026, particularly if BSP regulations or bank policies have changed. The best way to ensure you're using the correct, current version is to request it directly from an EastWest Bank branch or apply through Nook, whose team stays current with the latest form versions from all partner banks. Submitting an outdated form can result in your application being returned, which adds unnecessary delay to your timeline. EastWest Bank's typical approval window is 19 days, and using the correct form from day one helps protect that timeline.

The EastWest Bank home loan application form collects several categories of information. Here's what you should expect to provide:

• Personal details: Full legal name, date of birth, civil status, nationality, and valid government ID details.
• Contact and residence information: Current address, length of stay, and contact numbers.
• Employment or business information: Employer name and address, position, length of employment, and monthly gross income. Self-employed borrowers will provide business name, nature of business, and income figures.
• Loan details: Requested loan amount, preferred loan term (typically 5 to 20 years), and loan purpose (purchase, refinancing, renovation, home equity, etc.).
• Property details: Location, type of property, appraisal value (if known), and TCT or CCT number if available.
• Co-borrower information: If applicable, the same set of personal, employment, and income details for a spouse or co-borrower.
• Credit and liability disclosures: Existing loans, credit cards, and monthly obligations — used to compute your debt-to-income ratio, which EastWest Bank caps at 40%.

Accuracy across all sections is critical. Inconsistencies between your form and your supporting documents are one of the leading causes of application delays.

Filling out the form correctly requires attention to detail and consistency with your supporting documents. Follow these best practices:

• Use your full legal name exactly as it appears on your government-issued ID and property documents. Avoid nicknames or abbreviations.
• Be precise about income. Enter your gross monthly income, not your take-home pay. For salaried employees, this should match your Certificate of Employment and Income (COEI) or payslips. For self-employed borrowers, base figures on your ITR.
• List all existing liabilities honestly. Hiding existing loans can result in your application being rejected later in the process — or worse, after approval.
• Match the loan amount to realistic property values. EastWest Bank will conduct its own appraisal, and a requested loan amount that significantly exceeds assessed value will be reduced.
• Sign and date every required field. Unsigned sections are a common reason for forms being returned.
• If applying jointly, ensure the co-borrower section is fully completed and signed — not left partially blank.

When in doubt, ask a Nook mortgage specialist to review your completed form before submission. This service is completely free.

The application form alone is not sufficient — EastWest Bank requires a complete set of supporting documents. The standard requirements vary by borrower type, but generally include:

For salaried employees:

• Photocopy of at least one valid government-issued ID (front and back)
• Latest 1-month payslips (usually 2 consecutive months)
• Certificate of Employment and Income (COEI) on company letterhead
• Latest ITR (BIR Form 2316) stamped by BIR or employer
• 3 months bank statements

For self-employed borrowers:

• DTI or SEC registration and Articles of Incorporation
• Latest 2 years ITR with audited financial statements
• 6 months bank statements
• Business permits and licenses

For OFWs:

• Employment contract or proof of employment abroad
• Latest proof of remittance (3-6 months)
• Special Power of Attorney (SPA) if applying through a representative in the Philippines
• Valid OEC and passport

Property documents (for purchase or refinancing):

• Certified true copy of TCT/CCT
• Tax declaration and tax clearance
• Contract to Sell or Deed of Absolute Sale (if applicable)
• Location map and vicinity map

For refinancing specifically, you'll also need your existing loan statement of account and amortization schedule. See our complete EastWest Bank housing loan guide for the full document checklist.

Yes. EastWest Bank uses a single home loan application form for all borrower types — salaried employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, and licensed professionals. The form contains sections relevant to each employment type, and you simply complete the sections applicable to your situation while leaving non-applicable sections blank (or marking them as N/A).

What differs between borrower types is the set of supporting documents attached to the form, and in some cases the income computation method used during credit evaluation. OFWs, for example, typically need to provide proof of remittance and a Special Power of Attorney if they cannot appear in person. Self-employed borrowers are assessed on ITR-declared income rather than payslips. EastWest Bank accepts all of these employment types, with a minimum monthly income requirement of 40,000 pesos.

Once your complete application form and supporting documents are submitted, the EastWest Bank home loan process typically proceeds as follows:

1. Initial review (1-3 days): The bank's loans team checks that all required documents are present and the form is complete. Incomplete submissions are returned during this stage.
2. Credit evaluation (3-7 days): EastWest Bank assesses your creditworthiness, verifies employment and income, and checks your credit history with the Credit Information Corporation (CIC).
3. Property appraisal (5-7 days): An accredited appraiser inspects and values the property. The loan amount is calculated based on a percentage of the appraised value.
4. Loan approval and offer (2-3 days): If everything checks out, you receive a formal loan offer with the approved amount, interest rate, and terms.
5. Loan documentation and release: You sign the loan documents, the mortgage is annotated on the title, and funds are released.

EastWest Bank's typical approval timeline is 19 days from complete submission. Submitting an accurate, complete application on day one is the single most effective way to stay within that window.

These are the errors that most frequently delay or derail EastWest Bank home loan applications:

• Inconsistent income figures: The income you write on the form doesn't match your payslips, ITR, or COEI. Banks cross-reference all three.
• Incomplete co-borrower section: Married applicants often leave the spouse section partially blank, even when the spouse's income is being counted.
• Missing signatures: Unsigned declaration pages or unsigned co-borrower sections result in the entire application being returned.
• Underreporting existing liabilities: Listing fewer loans or credit card debts than actually exist. The bank will verify this through the CIC credit report.
• Wrong property details: Incorrect TCT/CCT number, mismatched lot area, or wrong registered owner name.
• Outdated documents: Payslips older than 3 months, or an ITR from 2 years ago when a more recent one is available.
• Using an old version of the form: Banks update forms periodically; submitting a version from a previous year can lead to rejection or a request to resubmit.

Applying through Nook eliminates most of these risks. Nook's team reviews your application before it reaches the bank, catching errors that would otherwise cause delays.

Yes. EastWest Bank accepts refinancing applications and the home loan application form covers this purpose — you simply indicate "refinancing" as your loan purpose. Refinancing allows you to transfer your existing mortgage from your current bank to EastWest Bank in order to take advantage of a lower interest rate or better terms.

EastWest Bank currently offers a 1-year fixed rate of 5.99% p.a. for refinancing, which is significantly lower than the 7% to 10% many Filipino homeowners are currently paying. On a loan of 5,000,000 pesos with 15 years remaining, moving from 9% to 5.99% could reduce your monthly amortization by more than 8,000 pesos — saving you over 1,400,000 pesos in total interest over the life of the loan.

For refinancing applications, additional documents are required beyond the standard set: your current loan's Statement of Account, your amortization schedule, and proof that your existing mortgage is in good standing. You can read more about how EastWest Bank's housing loan interest rates compare to what you may currently be paying. Note that interest rates are subject to change — verify current rates with Nook or EastWest Bank before making any decisions.

Nook is the Philippines' first digital mortgage broker, and applying through Nook gives you several advantages that a direct bank application does not:

• Free service: Nook's service is 100% free to borrowers. You pay nothing for the application assistance, document review, or rate comparison.
• Form handling: Nook's specialists handle the application form on your behalf, ensuring it is complete, accurate, and formatted exactly as EastWest Bank expects. This reduces the risk of delays caused by form errors.
• Document checklist: Nook provides a personalized document checklist based on your specific borrower type (salaried, OFW, self-employed, etc.) so you never miss a required item.
• Rate comparison: Nook can compare EastWest Bank's rates against other partner banks to ensure you're getting the best available rate for your profile before you commit.
• Single point of contact: Instead of coordinating with multiple bank departments, you deal with one Nook specialist who manages your application end to end.
• Faster processing: Because Nook submits complete, pre-reviewed applications, the bank spends less time requesting additional documents — which helps keep the 19-day approval timeline on track.

To get started, simply fill out Nook's short online form at nook.com.ph. There is no obligation and no cost.