home loan
discovery home loans
discovery home loans

The key to having your own dream home is to call us! It’s that easy. Make your choice, let us handle the rest.

If there's one thing everyone always wanted to have, it's a better place to stay. A better place to build a future. That one thing you want to call 'home'.

Discovery Home Loan can help bring you a step closer to that dream. May it be a purchase of a residential lot, a house and lot, a townhouse, a condo unit, or even a renovation, experience a whole new future with Discovery Home Loan.

Let Sterling Bank of Asia help you.

loan amount
Loanable Amount

P500,000.00 up to P10M or 80% of the property's appraised value

loan terms
Loan Terms

1 year to 25 years. Age upon maturity not exceeding 65 

post dated check
Payment Options

Post-dated checks; Auto-debit arrangements

Loan Calculator
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Your Monthly Amortization
Amount Financed:
Please note that the computation above is based on the indicative rate. Please call us or visit any Sterling Bank branch to get the actual rates.

Filipino Citizen
21 years old, but not more than 65 years old upon maturity of the loan
If borrower is more than 60 years old,
require co-maker

For Employed

At least 2 years with present employer


For Self-employed:

Business should be at least 3 years in operation and profitable for the last 2 years and must be duly registered with Securities and Exchange Commission (SEC) or Department of Trade and Industry (DTI)

Combined monthly gross family income of at least P40,000.00

For married borrower/s, spouse will act as co-maker

  • Accomplished loan application form
  • Photocopy of TCTs/CCTs offered as collateral
  • Vicinity map, lot plan, tax declaration
  • Tax clearance and RETRs
  • Bill of materials/cost estimates and floor plans (for house construction/renovation/expansion)
  • Copy of two (2) valid IDs (click here for the list of acceptable IDs)
  • Marriage contract (if married)
  • Cash or check payment for appraisal fee payable to Sterling Bank of Asia
  • Credit card/utility billing statements for the past three (3) months
  • Statement of account (for loan take-out) and proof of payment of last three (3) amortizations
  • Authority to appraise
  • Insurance coverage on Housing unit
  • Mortgage Redemption Insurance (MRI) on borrower
  • Post-dated checks
  • Submission of affidavit for the mortgage of family home
  • Business papers / permits / certificates (SEC, DTI, etc.)
  • Three (3) years audited or BIR filed and in-house financial statements
  • Accomplished basic business information
  • Bank statements for the last three (3) months
  • Income tax return (ITR) for the past two (2) years
  • ITR of co-maker (if applicable) or W-2/BIR Form 2316
  • Original certificate of employment (COE) with compensation data and length of stay in the company
  • Two (2) months payslip
  • Recent and active certificate of employment (COE) with salary and/or compensation data
  • ITR, if any
  • Proof of remittances or allotment papers with beneficiary data
  • Copy of job contract with duties and responsibilities
  • Special power of attorney (SPA)
  • Proof of income (if any)
New home doesn't have to be newly built!
New home doesn't have to be newly built!
A new home doesn't have to be newly built!

Bank-owned real estate properties give you an affordable option to achieve your property ownership goals. Shop our foreclosed properties for sale now.

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