Security Bank Housing Loan Application Form 2026: How to Get & Submit

You have three main options for obtaining the Security Bank housing loan application form:

• Security Bank branches: Walk into any Security Bank branch and ask the loans desk for a Home Loan Application Form. Loan officers will hand you the form and can answer basic questions on the spot.
• Security Bank website: Security Bank periodically makes its application form available for download on their official website (www.securitybank.com) under the Loans or Home Loan section. Check there first for the most current version.
• Through Nook (recommended): As a Nook partner bank, Security Bank application forms are accessible through the Nook platform. When you apply via Nook, a dedicated mortgage specialist will send you the correct, current form and guide you through every field — at no cost to you. This eliminates the risk of using an outdated form version.

Whichever route you choose, always confirm you are using the most recent version of the form, as Security Bank updates its application documents periodically.

The Security Bank housing loan application form is a multi-page document that captures all the information the bank needs to assess your loan eligibility. It typically contains the following sections:

• Personal information: Full legal name, date of birth, civil status, nationality, contact details, and present and permanent addresses.
• Employment and income details: Employer name, position, length of service, monthly gross income, and other income sources. Self-employed applicants fill in business details instead.
• Loan details: The amount you are applying for, preferred loan term, desired interest rate fixing period, and loan purpose (purchase, refinancing, renovation, home equity, etc.).
• Property information: Location, type, estimated market value, and TCT or CCT details if available.
• Co-borrower section: If applicable, the same personal and financial details for a co-borrower (typically a spouse).
• Declarations and signatures: Data privacy consent, truthfulness declarations, and signature fields for all borrowers.

For a full breakdown of Security Bank's available rates and fixing options, see our guide on Security Bank home loan rates, fixing options, and requirements.

Filling out the form accurately is critical — errors or inconsistencies are one of the most common reasons for processing delays. Follow these tips:

• Use your full legal name exactly as it appears on your government-issued ID. Avoid nicknames or abbreviations.
• Be precise with income figures. Report your gross monthly income (before deductions), not your take-home pay. Include allowances, bonuses, and other regular income if they are documentable.
• State the loan purpose clearly. Security Bank offers financing for purchase (RFO, pre-selling, reselling), refinancing, renovation, new construction, home equity, and foreclosed properties. Choosing the correct purpose affects what documents you need to attach.
• Fill in the property section completely. If you do not yet have a TCT number (e.g., for a pre-selling unit), write "for issuance" or the developer's details as instructed on the form.
• Do not leave fields blank. Write "N/A" in sections that do not apply to you rather than leaving them empty.
• Review before signing. Contradictions between your stated income and your submitted documents are a red flag for credit officers. Make sure the numbers match.

If you apply through Nook, your mortgage specialist will review the completed form before submission to catch any issues early.

The supporting documents required depend on your employment type and loan purpose. Here is a general checklist:

All applicants:

• Completed Security Bank Housing Loan Application Form
• Two valid government-issued IDs (with photo and signature)
• Marriage certificate (if married) or birth certificate of dependents

Employed applicants (private, government, BPO):

• Latest one-month payslip
• Certificate of Employment with compensation (issued within 3 months)
• Latest Income Tax Return (BIR Form 2316 or ITR) with BIR stamp
• 3 to 6 months bank statements

Self-employed / business owners:

• DTI or SEC registration
• Latest 2 years audited financial statements
• Latest ITR with BIR stamp
• 6 months bank statements
• Business permits

OFW / Seafarers:

• Employment contract or POEA contract
• Latest crew contract or Notice of Assignment (for seafarers)
• Latest 6 months remittance records or bank statements
• OWWA membership certificate (if applicable)

Property documents (for purchase or refinancing):

• Photocopy of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)
• Lot plan with vicinity map
• Deed of Absolute Sale or Contract to Sell (if purchase)
• Latest Statement of Account from existing bank (if refinancing)

Document requirements can change. Always confirm the complete list with Security Bank or your Nook mortgage specialist before submitting.

Once your form and documents are ready, you have two primary submission options:

• In-branch submission: Visit any Security Bank branch with a loans counter and submit your complete application package in person. The loan officer will review the documents and issue you a receiving copy. In-branch submission is useful if you have questions you want answered face-to-face.
• Through Nook (recommended): Submit your application digitally through Nook's platform. Your Nook mortgage specialist will collate your documents, check them for completeness, and submit on your behalf directly to Security Bank. This removes the back-and-forth of re-submitting missing documents and typically results in a smoother, faster experience.

After submission, Security Bank will typically acknowledge receipt and begin the credit evaluation process. You should receive a formal loan offer or request for additional documents within the bank's standard processing timeline.

Security Bank's typical approval timeline is approximately 23 days from submission of a complete application package. This is one of the faster turnarounds among Philippine banks for a home loan.

The 23-day timeline assumes your documents are complete and consistent. Common causes of delay include:

• Missing or expired documents (e.g., a Certificate of Employment issued more than 3 months ago)
• Inconsistencies between declared income and bank statements
• Property title issues that require additional legal review
• Requests for clarification on the property appraisal

To stay on track, respond promptly to any requests for additional documents from Security Bank or your Nook specialist. Incomplete submissions are the single biggest cause of extended processing times.

Once approved, Security Bank will issue a Letter of Approval (LOA) detailing the approved loan amount, interest rate, term, and fixing period. Review this carefully before signing.

Security Bank has relatively accessible eligibility criteria compared to some other Philippine banks. Key requirements include:

• Minimum monthly gross income: 50,000 pesos. This can be a combination of primary and secondary income sources if both are documentable.
• Maximum Debt-to-Income (DTI) ratio: 40%. This means your total monthly debt obligations — including the new housing loan — should not exceed 40% of your gross monthly income.
• Age: Typically 21 years old at the time of application, and loan maturity must not exceed the borrower's age of 65 (for employed) or 70 (for self-employed), depending on Security Bank's current policy.
• Citizenship: Filipino citizens. Foreign nationals may apply under specific conditions; check directly with the bank.
• Employment types accepted: Private sector employees, government employees, BPO workers, OFWs and seafarers, self-employed individuals, licensed professionals, and freelancers.

If your income is slightly below the minimum or your DTI is a concern, a co-borrower (such as a spouse) can help strengthen your application by combining incomes.

The Security Bank housing loan application form covers a wide range of property financing needs. You will indicate your loan purpose on the form, which determines the required supporting documents and the applicable loan structure:

• Purchase of Ready-for-Occupancy (RFO) property: House and lot or condominium units that are move-in ready.
• Purchase of pre-selling property: Units or lots purchased directly from a developer before construction is complete.
• Reselling: Secondary market purchases from a private seller rather than a developer.
• Refinancing: Moving your existing home loan from another bank to Security Bank to take advantage of lower rates or better terms. This is one of the most popular uses of the Security Bank home loan.
• Renovation: Financing improvements or extensions to a property you already own.
• New construction: Building a house on a lot you own.
• Home equity / Salary loan against property: Borrowing against the equity of an existing property. Security Bank's home equity rate is 7.50% p.a.
• Foreclosed property: Purchasing a property from a bank's foreclosed assets list.

For homeowners considering refinancing, see our comparison of Security Bank housing loan interest rates to understand how the bank stacks up against other lenders.

Based on common application pitfalls, here are the mistakes that most often cause delays or rejections — and how to avoid them:

• Submitting an incomplete form: Every required field must be filled. A partially completed form will be returned, costing you days or weeks. Double-check every section before submission.
• Using outdated documents: Most income documents (payslips, COE) must be issued within the last 1 to 3 months. Bank statements are typically required for the last 3 to 6 months. Check the exact validity window for each document.
• Income inconsistencies: Your declared monthly income must closely match what is reflected in your bank statements and tax documents. Large unexplained gaps are red flags during credit evaluation.
• Choosing the wrong loan purpose: Each purpose has different document requirements. Selecting "purchase" when you mean "refinancing" will lead to document mismatches.
• Not disclosing existing loans: Security Bank will conduct a credit check. Undisclosed liabilities that appear in your credit history can damage your credibility with the bank.
• Ignoring the DTI limit: If your combined monthly debt obligations (including the proposed housing loan) exceed 40% of gross income, your application is likely to be declined. Calculate your DTI before applying.
• Property title issues: Ensure the TCT or CCT is clean — no annotations, lis pendens, or encumbrances. Resolve any title issues before submitting.

You can apply for a Security Bank housing loan either directly at a branch or online, or through Nook. Here is how the two experiences compare:

Nook's service is 100% free to borrowers — Nook is compensated by the bank, not by you. The main advantage of applying through Nook is that you get expert guidance at no cost, your documents are reviewed before submission to reduce back-and-forth, and you can compare Security Bank's rates against other lenders to make sure you are getting the best deal available. For current rate details, visit our full guide on the Security Bank housing loan — rates, requirements, and how to apply.