Ayala Land, PNB Launch Overseas Buyer Home Loans

Ayala Land Inc. (ALI), through its international sales division Ayala Land International Sales Inc. (ALISI), has formed a strategic partnership with Philippine National Bank (PNB) to revolutionize property financing for overseas buyers. The collaboration specifically targets Filipino expats and foreign investors in key markets: the USA, Singapore, and Japan.

In a landmark move for overseas property investment, Ayala Land Inc. (ALI) has partnered with Philippine National Bank (PNB) to introduce groundbreaking financing solutions tailored for Filipino expats and foreign investors across the United States, Singapore, and Japan.

For millions of Filipinos working abroad, investing in homeland real estate has traditionally involved complex paperwork, currency concerns, and legal hurdles. The new ALI-PNB collaboration eliminates these pain points through three transformative solutions:

1. FICO-Based Financing in the USA

- First-of-its-kind program accepting US credit scores for Philippine property loans

- No upper age restrictions for applicants

- Autopay via ACH transfers enables seamless payments from US bank accounts

2. Multi-Currency Loan Options

- Singapore-based buyers: USD-denominated mortgages

- Japan residents: Yen-based financing

- Eliminates foreign exchange uncertainty for long-term investors

3. Streamlined Application Process

- No Attorney-in-Fact (AIF) requirement – a first for overseas buyers

- Unified processing through PNB branches in LA, New York, Guam, Singapore, and Tokyo

"This initiative reflects our commitment to making Philippine real estate accessible to every Filipino, wherever they are in the world," emphasizes Rufino Gutierrez, Senior Managing Director of Ayala Land International Sales Inc. "By combining PNB's financial expertise with our diverse property portfolio, we're turning the dream of homeownership into reality."

PNB President Florido "Doy" Casuela adds: "As the bank of choice for overseas Filipinos for over a century, we understand the unique challenges of cross-border property investment. These new solutions remove the traditional obstacles.

With 10.2 million overseas Filipinos sending over $36 billion in remittances annually, the demand for secure, tangible investments back home has never been stronger. "This isn't just about selling properties," Gutierrez concludes. "It's about enabling our global kababayans (our countrymen) to build legacies back home."