To apply for a loan with the Land Bank of the Philippines, download the LandBank loan application form that matches your program from landbank.com/downloadable-forms, complete it with the required supporting documents, and submit the packet either through the bank’s online portal or at a LandBank branch or lending center. The specific form, documentary checklist, and interest rate depend on which lending program fits your situation, so choosing the right program is the first real step.
Pick the Right Form Before You Start
LandBank uses different forms for different loan types, and using the wrong one will send you back to the beginning. Match your situation to the program first.
- Business borrowers use the Business Loan Application Form, available as a PDF from landbank.com/downloadable-forms or fillable through the online Business Loan Application Portal at businessloans.landbank.com.1Landbank of the Philippines. Downloadable Forms
- Consumer and salary loan applicants use the Consumer Loans Application Form or the specific program form listed on the same downloadable-forms page.
- Permanent government employees can apply for the Electronic Salary Loan (eSL) online through the LandBank website, iAccess, or the Mobile Banking App, with proceeds credited directly to their accounts.2Land Bank of the Philippines. LANDBANK Offers Enhanced Loans, Cash Support for Emergencies
- Small farmers and fisherfolk applying under programs like the Accessible Funds for Delivery to Agrarian Reform Beneficiaries (AFFORD-ARBs), the Agricultural Competitiveness Enhancement Fund (ACEF) Lending Program, or the Expanded Rice Credit Assistance under the Rice Competitiveness Enhancement Fund (ERCA-RCEF) use the streamlined form for that program.3Land Bank of the Philippines. LANDBANK Makes Loans More Accessible, Affordable for Farmers, Fishers
- Housing borrowers use the form tied to their program, such as the Easy Home Loan or the Bahay Para sa Bagong Bayani (3B) Program for overseas Filipino workers.4Land Bank of the Philippines. Housing Summit Home Loans
MSME borrowers should also confirm which tier of the LIFTING MSMEs Lending Program fits. The Start-Up Loan (₱100,000 to ₱500,000) is for microenterprises under one year old, the Step-Up Loan (₱500,000 to ₱5 million) is for micro and small enterprises with at least one year of operations, and the Level-Up Loan (up to ₱50 million) is for small and medium enterprises with more than three years of operations.5Landbank of the Philippines. LANDBANK Empowers Small Businesses With Accessible Financing, Support Services
Gather Your Documents First
Missing a single attachment is the fastest way to stall your application. The exact checklist varies by program, but the lists below cover the requirements you should expect.
Basic Documents Every Applicant Needs
- The completed application form for your loan program.
- At least one clear copy of a valid government-issued photo ID. Acceptable IDs include a Philippine passport, UMID, PhilSys National ID, driver’s license, PRC ID, SSS, GSIS, voter’s COMELEC ID, or postal ID.6Land Bank of the Philippines. Guidelines for Overseas Filipino Investors on Opening a US Dollar Account and Purchasing the Retail Dollar Bonds 2
- Your TIN, SSS number, or GSIS number, per the bank’s Know Your Customer checklist.7Land Bank of the Philippines. Checklist of Minimum Information/Documents Provided by the GS Investor
Additional Documents for Business Loans
- Proof of business registration: a DTI Certificate of Registration for sole proprietors, an SEC Certificate of Registration and Articles of Incorporation for corporations, or a CDA Certificate of Registration and Articles of Cooperation for cooperatives.8Land Bank of the Philippines. Land Bank of the Philippines Business Loan Application
- Barangay Permit and Mayor’s Permit, both listed under proof of business registration on the application form.9Land Bank of the Philippines. Business Loan Application Form
- BIR Certificate of Registration.
- Audited financial statements with notes for the past three years, plus the current year’s interim financial statements.10Land Bank of the Philippines. Emerging FILIPINA Lending Program
- A Board or Partnership Resolution or Secretary’s Certificate authorizing the loan and designating the person allowed to sign on behalf of the entity, for corporations, cooperatives, and partnerships.8Land Bank of the Philippines. Land Bank of the Philippines Business Loan Application
Additional Documents for Agricultural Loans
Small farmers and fisherfolk need to be registered or enrolled in the Registry System for Basic Sectors in Agriculture (RSBSA) to access most agricultural credit lines.11Agricultural Credit Policy Council. Agri-Negosyo Loan Program For programs like the ACEF Lending Program, documentary requirements have been streamlined, and you may only need the loan application form, a simple farm plan, and a barangay clearance.3Land Bank of the Philippines. LANDBANK Makes Loans More Accessible, Affordable for Farmers, Fishers
Collateral Documents for Secured Loans
If you are offering real property as collateral, prepare a copy of the Transfer Certificate of Title (TCT), the current Tax Declaration, an updated Real Estate Tax Payment clearance, and a photograph of the property for the bank’s appraisal and inspection.4Land Bank of the Philippines. Housing Summit Home Loans For housing loans, LandBank typically lends up to 70% of the appraised value under the Easy Home Loan Program and up to 80% under the 3B Program for overseas Filipino workers. The gap between the loan amount and the property value is your required equity.
Filling Out the Form Section by Section
The Business Loan Application Form is divided into sections. Section A covers your business information: legal name, registration numbers (CDA, DTI, SEC), barangay and mayor’s permit details, and the nature of your business.9Land Bank of the Philippines. Business Loan Application Form Sole proprietors using the individual version fill in personal details (name, address, contact information) along with the DTI registration.
The loan details section asks for the amount you are requesting, the purpose of the loan, and your proposed repayment terms. The amount you write here should line up with what your financial statements can support. A lender reading three years of audited financials will spot a mismatch between your net income and the amortization your requested amount would require.
Check every registration number against the certificate itself. A single transposed digit in your SEC or DTI number can flag your application for clarification. If your business permits have expired or are about to expire, renew them before applying. An expired mayor’s permit signals that the business may not be currently operating, which can delay or derail your application.
Consumer and salary loan forms are simpler: personal information, employer details, loan amount, and authorization for payroll deduction. Salary loan applicants authorize LandBank to deduct amortizations directly from their pay through their employer. Baseline eligibility for salary loans generally requires being a permanent or appointed government employee with at least one year of service, no past-due obligations with LandBank or other creditors, no pending retirement application during the loan term, and no pending administrative or criminal case.
Where and How to Submit
Online Through the Business Loan Application Portal
Business loan applicants can submit entirely online through the LandBank Business Loan Application Portal at businessloans.landbank.com. The portal lets you complete the application form, upload scanned copies of your required documents, and track your application status in real time.5Landbank of the Philippines. LANDBANK Empowers Small Businesses With Accessible Financing, Support Services It is accessible around the clock through the LandBank website. Prepare your documents as clear, legible scans or photos before you begin, because blurry uploads slow the review.
Government employees applying for a salary loan can submit through the LandBank website, iAccess, or the Mobile Banking App, with loan proceeds credited directly to their LandBank account.2Land Bank of the Philippines. LANDBANK Offers Enhanced Loans, Cash Support for Emergencies
In Person at a Branch or Lending Center
If you prefer a face-to-face transaction, bring your completed form and all supporting documents to a LandBank branch or lending center. You can find the nearest one, along with its address and phone number, through the branch locator at landbank.com/find-us. LandBank maintains dedicated lending centers in provinces across the country, separate from its regular branches, specifically to handle loan applications and agricultural credit.
A loan officer will review your packet on the spot to check that every required field is filled and every attachment is present. You will receive a stamped acknowledgment receipt showing the date of submission and the name of the officer who accepted your documents. Keep this receipt. You will need it to follow up on your application’s status.
What Happens After You Submit
Your application goes through a credit investigation before anyone decides on the loan amount or terms. Under Republic Act No. 9510 (the Credit Information System Act), financial institutions submit and access borrower credit data through the Credit Information Corporation, which serves as the country’s central credit registry.12Supreme Court E-Library. CIC Circular No. 2015-01 The bank checks your existing debt levels, repayment track record, and any delinquent accounts. Outstanding past-due obligations with any creditor will likely surface here.
For secured loans, LandBank sends an appraiser to inspect and value the property you are offering as collateral. The appraised value determines the maximum amount the bank will lend, not the loan amount you requested. If the property appraises below expectations, the bank may approve a smaller loan or ask for additional security.
Once the evaluation is complete, the bank notifies you of its decision by formal letter or email. An approved loan comes with a Letter of Approval spelling out the interest rate, loan amount, repayment schedule, and any conditions you need to satisfy before the funds are released. Interest rates vary significantly by program. Agricultural direct lending for small farmers and fisherfolk is generally set at 5% per year, while Department of Agriculture retail programs like the ACEF and ERCA-RCEF charge 2% per year.3Land Bank of the Philippines. LANDBANK Makes Loans More Accessible, Affordable for Farmers, Fishers Business loan rates vary by program tier and risk assessment.
Before the bank releases any funds, you sign a Promissory Note and Disclosure Statement at the lending center. The promissory note locks in your obligation to repay, and the disclosure statement itemizes the total cost of the loan (interest, fees, and charges) so you know what you owe over the life of the loan.
A Word on Accuracy
Fill out the form with information you can back up with documents. Submitting false information on your loan papers carries its own risk. Under Article 172 of the Revised Penal Code, a private individual who falsifies a commercial or private document to the damage of a third party faces prisión correccional in its medium and maximum periods (two years, four months, and one day to six years) and a fine.13LawPhil. G.R. No. L-7236 The bank treats falsification as a separate legal matter from any loan default that follows.