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Chinabank HomePlus HomePlus Application You may borrow a minimum of Php 500,000 and a maximum of 60% loan value of the collateral. To protect yourself from future rate increases, you can choose to have your interest rate fixed for three years, or five years. Please see the following interest rates: Rate Fixing Period | Interest Rate per Annum (p.a) 1 to 3 years | 7.50% p.a. 4 to 5 years | 8.00% p.a. Rates above are subject to change at any given time. The final interest rate will be determined at the time of loan availment, using the prevailing interest rates at the time of loan booking/release of loan proceeds. Furthermore, rates are subject to review and repricing after the agreed-upon fixing period expires. Our HomePlus Loan term/s varies depending on purpose: Type - Loan Term* Acquisition of Vacant Lot - Up to 10 years Home Renovation - Up to 10 years Refinancing/Loan Takeout from Other Banks - Up to 10 years Reimbursement of a Newly Acquired Property - Up to 10 years Acquisition of Condominium Unit - Up to 15 years Acquisition of Townhouse - Up to 20 years Acquisition of House and Lot - Up to 20 years *Final loan term is subject to approval of management. https://www.chinabank.ph/loans-homeplus