Buying a house in Cavite, Laguna, or Batangas sounds exciting—until your bank says, “Sorry, we can't approve your loan.”

It's more common than you think, especially for first-time buyers.

But don't worry—Matchhome is here to help you avoid common mistakes and boost your chances of getting that much-awaited loan approval.

1. Income Doesn't Meet the Bank's Requirement

Even if you're earning, banks still check if your salary can cover the monthly amortization—plus your other expenses. If the numbers don't line up, you'll likely get denied.

How Matchhome helps:

Use our loan calculator to check if your income qualifies before applying. We even suggest better options if needed!

2. Too Many Existing Loans or Credit Cards

If you're juggling credit cards, car loans, and personal loans, banks may worry that a housing loan is too risky.

Matchhome Tip:

We help assess your current financial standing and show which banks have flexible requirements.

3. Missing or Incorrect Documents

This is a top reason why bank applications are delayed or denied.

Wrong TIN, missing co-borrower form, or unsigned reservation papers? These are deal breakers.

With Matchhome, we guide you through each step—from reservation to document submission—so nothing gets missed.

4. The Property Is Not Bank-Ready

Some banks won't finance homes if the developer isn't accredited, the land title isn't clean, or the project isn't ready for turnover.

Matchhome Advantage:

All properties listed on our platform are bank-ready and pre-checked for loan approval eligibility.

5. Your Employment Type Doesn't Match Bank Policies

Banks prefer “regular” employment. If you're a freelancer, small business owner, or working abroad, some banks might hesitate.

What we do:

We connect you to banks that accept different types of employment. Even OFWs and online workers have options!

Don't let a rejection letter stop your homebuying dream.

With Matchhome, you get access to loan-matching tools, ready-for-loan properties, and a team that guides you from start to move-in.

👉 Looking for a house in Cavite, Laguna, or Batangas?

Start smart. Search and get pre-qualified with Matchhome today.