Security Bank Housing Loan Application Form: How to Download & Fill Out

You can obtain the Security Bank housing loan application form in two ways. The first is directly from Security Bank's official website (www.securitybank.com) under the Home Loans section, where a downloadable PDF version is typically available. The second — and often faster — option is to apply through Nook, Security Bank's accredited mortgage broker. When you apply through Nook, we handle the forms and documentation on your behalf at zero cost to you, so you don't need to hunt for the latest version of the form yourself.

It's worth noting that Security Bank may update their application forms periodically, so always make sure you're using the most current version. If you're unsure, branch staff or a Nook advisor can confirm the correct form for your loan purpose.

The Security Bank housing loan application form is a multi-section document that typically covers the following areas:

• Personal Information: Full legal name, date of birth, civil status, nationality, contact details, and government ID numbers (TIN, SSS/GSIS, etc.)
• Co-borrower Information: If applicable, the same details for your spouse or co-applicant
• Employment and Income Details: Employer name, position, length of service, and monthly income
• Loan Details: Requested loan amount, preferred loan term (typically 5 to 20 years), and loan purpose
• Property Information: Property address, property type, appraised value, and TCT/CCT details
• Financial Declarations: Existing loans, credit card obligations, and other financial commitments

The form is designed to give Security Bank a complete picture of your financial profile and the property you intend to finance. Filling in every section accurately is essential — incomplete forms are one of the most common causes of processing delays.

Here are the key tips for completing your Security Bank housing loan application form without errors:

• Use your full legal name exactly as it appears on your government-issued ID. Avoid nicknames or abbreviations.
• Be accurate with income figures. State your gross monthly income, not take-home pay. If you have multiple income sources, declare them all — this strengthens your application.
• Declare all existing obligations honestly. Security Bank will conduct a credit check, so undisclosed loans may raise red flags.
• Match property details to official documents. The address and property description should match the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) exactly.
• Sign and date all required fields. Unsigned forms will be returned immediately.
• Use black or blue ballpen if submitting a physical form. Print clearly in capital letters where required.

If you apply through Nook, our advisors will review your completed form before submission to catch any errors or missing information — free of charge.

The Security Bank housing loan application form must be submitted together with a set of supporting documents. While requirements may vary slightly depending on your loan purpose and employment type, the standard checklist includes:

For all applicants:

• Two valid government-issued IDs (front and back)
• Latest Income Tax Return (ITR) — BIR Form 2316 or 1701
• Proof of billing address (utility bill or bank statement)
• Marriage certificate (if applicable)

For employed applicants:

• Certificate of Employment with compensation
• Three months' payslips

For self-employed applicants:

• Audited Financial Statements for the past two years
• DTI or SEC registration documents
• Six months' bank statements

For OFW/Seafarer applicants:

• Contract of employment or POEA-verified documents
• Proof of remittance

Property documents (for purchase or refinancing):

• Copy of TCT or CCT
• Tax Declaration
• Signed Deed of Sale or Contract to Sell (for purchases)

Security Bank accepts applications from a wide range of employment types, including private employees, government workers, BPO workers, OFWs and seafarers, self-employed individuals, professionals, and freelancers.

To qualify for a Security Bank housing loan, applicants generally need to meet the following criteria:

• Age: At least 21 years old at the time of application, and not older than 65 years old at loan maturity
• Citizenship: Filipino citizens or foreign nationals with eligible status (subject to additional requirements)
• Minimum Monthly Income: At least 50,000 pesos per month — this applies to the primary borrower or the combined income of co-borrowers
• Debt-to-Income Ratio (DTI): Maximum of 40%, meaning your total monthly loan obligations (including the new housing loan) should not exceed 40% of your gross monthly income
• Employment: Security Bank accepts a wide range of employment types — private sector, government, BPO, OFWs, seafarers, self-employed, professionals, and freelancers

If you're unsure whether you meet the income requirements, a Nook advisor can help you assess your eligibility before you formally apply — at no cost to you.

Security Bank's housing loan covers a broad range of property-related purposes, which means the application form you submit should clearly indicate which type applies to your situation. Accepted loan purposes include:

• Ready for Occupancy (RFO): Purchase of a fully completed residential property
• Pre-Selling: Purchase of a property that is still under construction or development
• New Construction: Building a new home on a lot you already own
• Reselling: Purchase of a second-hand or resale property from a private seller
• Renovation: Financing improvements or extensions to an existing property
• Home Equity: Borrowing against the equity of your existing property (rates from 7.50% p.a.)
• Refinancing: Transferring your existing home loan from another bank to Security Bank for better rates
• Foreclosed Properties: Purchase of bank-acquired or foreclosed real estate

If you're considering refinancing, you may want to explore Security Bank's refinancing rates and terms through Nook — our brokers can compare your current loan against what Security Bank can offer.

Security Bank typically completes housing loan approval within 23 days from the date a complete application — including all required documents — is received. This is among the more competitive processing timelines offered by major Philippine banks.

However, the 23-day timeline assumes your application is complete and error-free from the start. Delays often occur when:

• The application form has missing or inconsistent information
• Supporting documents are incomplete or outdated
• Property titles have encumbrances or discrepancies
• Additional verification is required for income sources

Once your loan is approved, you can track your Security Bank housing loan application status through their online portal or by contacting your assigned loan officer. Submitting through Nook gives you an additional layer of support — we follow up with the bank on your behalf so you don't have to chase updates yourself.

Both options lead to the same Security Bank application process, but applying through Nook offers several advantages that make the experience smoother — at no extra cost to you.

When you apply directly to Security Bank:

• You fill out and manage the application form yourself
• You coordinate document requirements independently
• You follow up on application status on your own

When you apply through Nook:

• A Nook mortgage advisor guides you through every step of the form
• We review your documents for completeness before submission
• We follow up with Security Bank on your behalf
• We can compare Security Bank's offer against other lenders to make sure you're getting the best deal
• Our service is 100% free to the borrower — Nook is paid by the bank, not by you

For borrowers who are refinancing and want to compare rates across multiple banks, Nook's multi-bank access is especially valuable. You can see how Security Bank stacks up before committing to a single application.

Based on common experience with housing loan applications in the Philippines, here are the mistakes that most frequently cause delays or rejections:

• Incorrect or inconsistent name spelling — Your name must match exactly across all documents (IDs, ITR, title documents). Even a minor difference can trigger a request for correction.
• Understating income — Some applicants only declare their basic salary and forget allowances, bonuses, or secondary income. Include all legitimate, documented income sources.
• Omitting existing loan obligations — Security Bank will see your credit history through the Credit Information Corporation (CIC). Undisclosed loans look like an attempt to mislead the bank.
• Incorrect loan amount vs. property value — Security Bank typically lends up to 80% of the appraised property value. Requesting more than this will require adjustment.
• Missing co-borrower signature — If a co-borrower is included, all signatures must be present on the form.
• Outdated documents — Payslips, bank statements, and employment certificates generally need to be issued within the last 3 months.
• Wrong loan purpose indicated — Selecting the wrong purpose (e.g., marking a resale property as pre-selling) can cause processing complications.

Once your completed application form and supporting documents are submitted, here is what typically happens next:

1. Initial Review (1-3 days): Security Bank checks that your submission is complete. If anything is missing, they will contact you for additional documents.
2. Credit Evaluation (3-7 days): The bank assesses your creditworthiness, income, and debt-to-income ratio. They will also pull your credit history from the Credit Information Corporation.
3. Property Appraisal (5-10 days): Security Bank arranges an independent appraisal of the property to determine its market value and confirm the loan amount.
4. Loan Approval or Counteroffer: If all checks pass, you receive a formal Letter of Approval. In some cases, the bank may approve a lower amount or adjusted terms — this is normal and negotiable.
5. Loan Documentation and Signing: You sign the loan agreement, mortgage contract, and other legal documents.
6. Loan Release: Funds are released — either to the seller (for purchase transactions) or to your designated account (for equity or refinancing transactions).

Throughout this process, Nook clients receive regular updates from our advisors, so you always know where your application stands. Note that all interest rates mentioned on this page are subject to change — please verify current rates with Security Bank or a Nook advisor before applying.