Mas malapit mo nang maabot ang mga pangarap na iyong gustong makamit with our Loan Products.

Home Loan

Abot mo na ang inyong dream house. Start building your home with Cebuana Lhuillier Rural Bank’s Home Loan.

Sa Cebuana Lhuillier Rural Bank Home Loan, ang bahay na pinangarap mo, kaya mo nang bilhin!

Choose the home loan option that will make that dream house something you can call yours.

Interested? Check our loan calculator to find the perfect terms and click the “Apply Now” button.

Minimum Loan Amount


Fixing Options
1,3,5 or 10 years

Product Details

Loan Purpose •Purchase
•Construct or Renovate
•Home Equity
Loanable Amount Up to 80% Appraised Value
Collateral •Lot only
•Lot with Improvement
Terms 1 – 15 years


  1. At least 21 yrs. old upon loan application and should not exceed 65 years old upon loan maturity
  2. Must have a gross monthly family income of at least PhP30,000.00
  3. With Source of Income:
  1. Locally employed with tenure of at least two (2) years or;
  2. With Business with at least three (3) years of profitable operations or;
  3. OFWs with at least three (3) years with current employer



  1. Completely filled out Application Form
  2. Two (2) Valid Government IDs (See list of valid IDs)
  3. Marriage Contract (if applicable)


If Locally Employed Borrowers

  1. Three (3) months latest Payslips/Latest 2316
  2. Certificate of Employment (COE) indicating salary, position and length of employment

If Self-Employed Borrowers

  1. Two (2) years latest Financial Statements with ITR
  2. Business Permits (DTI/Mayor’s/Brgy Permit/SEC Registration)
  3. Three (3) months latest Bank Statements
  4. List of Suppliers & Customers with contact number/s (at least 3 each)


  1. Latest Employment Contract
  2. Three (3) months latest Payslips / Three (3) months latest Proof of Remittances


  1. Photocopy of Title (TCT for house & lot; CCT for Condominiums)
  2. Tax Declaration on Lot & Improvement

For Construction

  1. Bill of Materials
  2. Lot Plan & Vicinity Map
  3. Approved Building Plan


  1. Latest Statement of Account