Applying for a Security Bank housing loan starts with one critical step: getting your application form right. A complete, accurate application form is the single biggest factor in how fast your loan gets approved — and how many follow-up calls you receive from the bank asking for missing documents. This guide walks you through every section of the Security Bank housing loan application form, what to attach, and the most common mistakes applicants make that cause delays.
Whether you're buying a new home, refinancing an existing loan, or tapping your home equity, the application process follows the same core structure. Security Bank offers competitive fixed rates starting at 6.99% p.a. for a 1-year fix — and if you're applying through Nook, the Philippines' first digital mortgage broker, the service is completely free. Nook can help you prepare your application, review your documents, and submit directly to Security Bank on your behalf. Note: Interest rates are subject to change — always verify current rates before applying.
There are three ways to get the Security Bank housing loan application form:
- Online via Security Bank's website: You can download a PDF version of the application form from the Security Bank official website under the Home Loans section. Look for the downloadable forms area on the product page.
- In-branch: Visit any Security Bank branch and ask the customer service desk for a housing loan application form. Branch staff can also walk you through sections you find confusing.
- Through Nook: When you apply through Nook's free digital mortgage broker service, Nook provides you with a guided application experience — you fill in your details once, and Nook handles the paperwork and submission to Security Bank on your behalf. This is the fastest and most error-free approach for most borrowers.
If you download the form yourself, make sure you're using the most current version. Forms are occasionally updated, and submitting an outdated version can cause processing delays.
The Security Bank housing loan application form is divided into several sections. Here's what each part covers:
- Personal Information: Full legal name, date of birth, civil status, number of dependents, educational attainment, residential address (present and permanent), and contact details.
- Employment and Income Details: Your employer's name and address, your position, length of service, and monthly gross income. For self-employed applicants, this section covers your business name, nature of business, and annual income.
- Co-borrower Information: If you're applying with a spouse or co-borrower, you'll need to complete a parallel section with their personal and income details.
- Loan Details: The loan amount you're requesting, your preferred loan term (typically 5 to 20 years), the purpose of the loan (purchase, refinancing, renovation, home equity, etc.), and your preferred fixed-rate period.
- Property Details: The property address, type (house and lot, condominium, townhouse), appraised value or selling price, and the name of the developer or seller if applicable.
- Credit and Bank References: Existing loans, credit cards, and bank accounts. Be thorough and honest here — Security Bank will verify this during credit checking.
- Authorization and Signature: Your signature authorizing Security Bank to conduct a credit investigation and verify the information provided.
For a full breakdown of current rates available once your application is approved, see our guide on Security Bank home loan interest rates for 2026.
The documents required vary slightly depending on your employment type and loan purpose, but here is the standard checklist:
All applicants:
- Completed and signed application form
- Two valid government-issued IDs (front and back)
- Marriage certificate (if married) or birth certificate of dependents (if applicable)
- Tax Identification Number (TIN)
Employed applicants (private, government, BPO):
- Latest three months' payslips
- Certificate of Employment with compensation (issued within the last 30 days)
- Latest ITR (BIR Form 2316 or 1700) — at least one year
Self-employed applicants and professionals:
- Business DTI or SEC registration
- Latest two years' audited financial statements
- Latest two years' ITR (BIR Form 1701)
- Business permits and licenses
- Bank statements for the last six months
OFW/Seafarer applicants:
- Overseas Employment Certificate (OEC) or POEA contract
- Latest three months' remittance records or payslips
- Passport (bio page and latest entry/exit stamps)
For the property:
- Photocopy of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)
- Lot plan or floor plan
- Contract to Sell or Deed of Absolute Sale (if purchase)
- Latest Real Property Tax Declaration and receipt
For refinancing applications, you'll also need your existing loan statement of account and original mortgage documents.
Yes — Security Bank accepts online housing loan applications, and this is now the preferred route for most borrowers. Here are your options:
- Security Bank website: You can fill out a loan inquiry form directly on the Security Bank website. A loan officer will then contact you to guide you through the full application process and document submission.
- Via Nook (recommended): Nook's digital platform lets you complete your entire application online, upload your documents securely, and have a mortgage broker review everything before it's submitted to Security Bank. Because Nook checks your application for completeness and common errors before submission, online applications through Nook tend to move faster through Security Bank's processing pipeline. And since Nook's service is 100% free to the borrower, there's no reason not to use it.
Regardless of which channel you use, expect the bank to request physical copies or certified true copies of certain documents — especially the property title — at a later stage. The initial submission can be fully digital, but wet-ink signatures and original documents are typically required before final loan release.
Security Bank requires a minimum monthly gross income of 50,000 pesos for housing loan applicants. This applies whether you are employed, self-employed, or a professional.
Beyond the minimum income threshold, Security Bank also applies a maximum Debt-to-Income (DTI) ratio of 40%. This means your total monthly debt obligations — including the new home loan payment — should not exceed 40% of your gross monthly income.
Here's a quick example of how this works in practice:
- Monthly gross income: 80,000 pesos
- Maximum total monthly debt allowed (40% DTI): 32,000 pesos
- Existing monthly debt obligations (car loan, credit cards): 8,000 pesos
- Maximum allowable new home loan payment: 24,000 pesos
At Security Bank's 1-year fixed rate of 6.99% p.a., a monthly payment of 24,000 pesos would support a loan of roughly 3,000,000 to 3,200,000 pesos over a 20-year term. If you want to borrow more, reducing your existing debts before applying — or adding a co-borrower — can increase your eligible loan amount.
OFW and seafarer applicants can include remittance income in their qualification, which Security Bank is accommodating of given their experience with overseas workers.
Security Bank's typical loan approval timeline is approximately 23 days from the date of complete document submission. This is the processing time for a complete application — meaning all required documents are submitted correctly from the start.
In practice, the most common reason applications take longer is an incomplete initial submission. Missing documents, expired certificates, or discrepancies between the application form and supporting documents all trigger back-and-forth communication with the bank, each round adding days or even weeks to the timeline.
Here's a rough breakdown of the process stages:
- Document review and initial assessment: 3–5 business days
- Credit investigation and background check: 5–7 business days
- Property appraisal: 5–7 business days (the bank arranges this)
- Credit committee approval: 3–5 business days
- Loan offer and acceptance: 1–3 business days
Applying through Nook can help compress this timeline because Nook reviews your application for completeness before submission, reducing the likelihood of document-related delays.
Based on common mortgage application issues across Philippine banks, here are the mistakes that most frequently cause delays or rejections:
- Leaving fields blank: Every field on the application form should be filled in. If something doesn't apply to you, write "N/A" rather than leaving it empty. Blank fields are often flagged for clarification.
- Inconsistent income figures: The income you declare on the form must match your payslips, ITR, and Certificate of Employment. Discrepancies — even small ones — trigger credit investigation flags.
- Undisclosed existing debts: Security Bank will conduct a credit bureau check. If you have loans or credit card balances not declared on the form, the inconsistency can result in outright rejection. Disclose everything, even if you think it might hurt your application.
- Expired or outdated supporting documents: Certificates of Employment must be issued within 30 days of submission. Using an older certificate is a very common and easily avoidable mistake.
- Incorrect property details: The property address and TCT/CCT details on the form must exactly match the documents attached. Even minor discrepancies (e.g., "St." vs. "Street") can cause issues during title verification.
- Missing co-borrower signatures: If you have a co-borrower, all signatures must be present on the form before submission. A form submitted without a co-borrower's signature will be returned.
- Using an outdated form version: Always download the latest version from Security Bank's website or apply through Nook to ensure you're using the current form.
Once Security Bank receives your completed application form and all required documents, the process moves through the following stages:
- Acknowledgement: Security Bank will confirm receipt of your application, usually within 1–2 business days. If applying through Nook, your Nook broker will relay this update to you directly.
- Document verification: The bank's loan processing team reviews all submitted documents for completeness and consistency. If anything is missing or needs clarification, they will contact you (or your Nook broker) at this stage.
- Credit investigation: Security Bank performs a credit check, verifies your employment and income, and reviews your credit history with the Credit Information Corporation (CIC).
- Property appraisal: The bank will arrange for an accredited appraiser to inspect and value the property. You don't need to do anything at this stage — the bank coordinates directly with the seller or you as applicable.
- Credit committee decision: Based on the credit investigation and appraisal results, Security Bank's credit committee makes a formal lending decision.
- Loan offer (Letter of Guarantee or Letter of Approval): If approved, you'll receive a formal loan offer detailing the approved loan amount, interest rate, term, and monthly amortization. Review this carefully before signing.
- Loan documentation and release: After you accept the offer, the bank prepares the mortgage documents. Once signed and registered, the loan proceeds are released — either to you (for refinancing or equity) or directly to the seller (for purchases).
Yes — Security Bank accepts housing loan applications from a wide range of employment types using the same core application form. The form includes sections that accommodate different employment situations. However, the supporting documents you attach will differ based on your employment type.
Security Bank explicitly accepts applications from the following borrower profiles:
- Private company employees
- Government employees
- BPO/call center employees
- OFWs and seafarers
- Self-employed business owners
- Professionals (doctors, lawyers, accountants, etc.)
- Freelancers
For OFWs and seafarers, Security Bank is one of the more accommodating banks in the Philippines — they accept remittance records and overseas employment contracts as income documentation, and a spouse or family member in the Philippines can act as the primary contact and co-borrower.
For self-employed applicants, the key is having clean, consistent financial records. Two years of audited financial statements and ITRs are the standard requirement. Banks look for income stability over time, so applicants with recently established businesses may find approval more challenging.
See our full overview of Security Bank housing loan rates, requirements, and how to apply for a complete breakdown by borrower type.
Applying through Nook is free and gives you several advantages over applying directly — especially if this is your first home loan or refinancing application.
Here's what Nook provides that you don't get by applying on your own:
- Application review before submission: Nook checks your form and documents for completeness and common errors before anything goes to the bank. This reduces back-and-forth and speeds up processing.
- Rate comparison: Nook works with multiple partner banks, so you can see whether Security Bank's rates are the best option for your specific situation — or whether another bank might offer you a better deal.
- Dedicated broker support: You get a real person to answer your questions, follow up on your application status, and advocate for you if issues arise during processing.
- No cost: Nook's service is 100% free to the borrower. The broker fee is paid by the bank, not you. You get the same Security Bank interest rates you'd get applying directly — with expert support at no extra charge.
If you're currently paying a home loan rate above 7%, refinancing through Security Bank at their current rates could save you a significant amount monthly. Use Nook to model your potential savings and submit your application in one streamlined process. For a deeper look at what rates are available, check out our guide to Security Bank home loan rates and the refinancing calculator.
Interest rates quoted are indicative and subject to change. Always confirm the current rate with Security Bank or your Nook broker before submitting your application.