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I am overseas, how much can I borrow?

For regular locally employed individuals it’s four times their monthly salary. However for OFW’s it’s twice their monthly salary. This is because banks want to ensure that the monthly repayment does not take up too much of your take home pay. Remember that living overseas normally incurs higher expenses compared to living in the Philippines. As a guideline, banks imposed monthly repayment to not exceed 30% of your monthly take home.