Can a Foreigner Buy a House and Lot Through a Bank Loan? - Pag-IBIG & Bank Loans

RE: Can a Foreigner Buy a House and Lot Through a Bank Loan?

Brainee — Thu, 27 Nov 2025 08:57:21 +0000

Here's the facts from Filipino lawyers: https://www.lordlaw.ph/foreign-ownership-of-real-estate#:~:text=%E2%80%9CReal%20properties%20are%20reserved%20only,and%20testament%20of%20a%20Filipino.&text=2.,Acquisition%20of%20Condominium%20Units.&text=A%20condominium%20unit%20may%20be,must%20be%2060%25%20Filipino%20owned.&text=6.,structures%2C%20separately%20from%20the%20land.

RE: Can a Foreigner Buy a House and Lot Through a Bank Loan?

Brainee — Thu, 27 Nov 2025 08:30:52 +0000

Nope.. Foreigners cannot legally own land or houses unless 60% of property is owned by Filipinos

RE: Can a Foreigner Buy a House and Lot Through a Bank Loan?

Chelsea — Wed, 29 Oct 2025 08:28:24 +0000

Unfortunately, foreigners cannot directly own land in the Philippines. A bank loan won’t change that restriction. You can, however, buy a condominium unit or invest through a corporation that’s 60% Filipino-owned. If you’re married to a Filipino citizen, the property can be under your spouse’s name.

Can a Foreigner Buy a House and Lot Through a Bank Loan?

davidjones — Wed, 29 Oct 2025 08:27:14 +0000

Many foreigners dream of buying a house and lot in the Philippines. This question clears up whether that’s legally possible through bank financing.

I want to buy a house and lot, not a condo. Can I do that using a bank loan even if I’m not Filipino?