What Documents Do You Need?
Get a personalized checklist based on your situation. Select your employment type, loan type, and we'll show you exactly what to prepare.
How to Use This Checklist
- Select your situation — Employment type, loan type, and whether you're buying remotely
- Review the list — Check off documents you already have
- Note the requirements — Pay attention to specific notes for each document
- Start gathering — Some documents take time (SPA authentication, Pag-IBIG contribution history)
Important Tips
- Start early: SPA authentication can take 2-4 weeks through the consulate
- Keep originals safe: Bring originals but submit photocopies
- Check validity: Some documents have expiration dates
- Ask your broker: Requirements may vary by developer or lender
Related Tools
- Affordability Calculator — Calculate how much you can afford
- Pag-IBIG Calculator — See your potential monthly payments
- Pag-IBIG vs Bank — Compare financing options
Related Guides
- House & Lot vs Condo: Complete Comparison — Different property types have different requirements
- OFW Condo Buying Guide — Country-specific guide with document requirements
- SPA Guide for OFW Buyers — Prepare your Special Power of Attorney
- Complete Pag-IBIG Housing Loan Guide — Pag-IBIG document requirements explained
- How to Buy Property While Working Abroad — Full process overview
Document Checklist FAQs
What is an SPA and do I need one?
SPA (Special Power of Attorney) authorizes someone in the Philippines to sign documents on your behalf. You need it if you won't be physically present for property viewing, reservation, or loan application.
Where do I authenticate my SPA?
At the Philippine Embassy or Consulate in your host country. The document must be notarized first, then submitted for consular authentication. Allow 2-4 weeks for processing.
How do I get my Pag-IBIG contribution history?
Log in to the Pag-IBIG Virtual Office (online.pagibigfund.gov.ph) or visit a Pag-IBIG office. OFWs can also request through Pag-IBIG Overseas offices or partner agencies.
What if my documents are not in English?
Non-English documents typically need to be translated by a certified translator. Check with your lender — some accept Arabic contracts for Middle East OFWs without translation.
How long are documents valid?
NBI Clearance: 1 year. Employment certificates: typically 3 months. Bank statements should be recent (within 3 months of application). ID photos: no strict expiration but should be recent.
How much does document processing cost?
PSA documents: P100-350 each. NBI Clearance: P155. SPA authentication at consulate: $15-30. Local notarization abroad: $10-50. Courier to Philippines: $30-80. Total varies by situation but budget P2,000-5,000 for basic documents.
Can I start the application without all documents?
Some documents can be submitted later, but core requirements (valid ID, income proof, Pag-IBIG membership) are needed to start. Check with your lender which documents are mandatory for initial application versus those that can follow.
Does this checklist include documents for both Pag-IBIG and bank loans?
Yes. The checklist adjusts based on your selected loan type. Pag-IBIG requires contribution history and membership proof. Banks may require additional income verification. Select your loan type above to see the specific requirements.
Need Help With Your Documents?
Chat with us on Viber. We can guide you through the document preparation process.