Step-By-Step Procedure on How to Apply for OWWA Loan

At this point, you know what OWWA Loan is, its main purpose, how it works, the business allowed by the loan facility, the requirements you need to comply with, and who the eligible borrowers are. It’s time to bring them all together to guide you better in applying for this loan facility specifically designed for Filipino migrant workers.

Here is a step-by-step procedure on how to apply for OWWA Loan: Step 1: Attend and complete the Enterprise Development Training or EDT. Learn more about EDT in detail here.

Step 2: Prepare the pre-processing requirements needed for processing of your loan application. This includes proof of OWWA membership, Certificate of Attendance foe EDT, and two (2) valid IDs among others. Check this post to know the detailed list of requirement you need to prepare before submitting your loan application.

Note: Make sure that your requirements are complete upon submission of OWWA Loan application. This will make it easier and faster for you to process your loan application. The requirements will be submitted either in OWWA Main Office or regional offices, whichever is more convenient for you.

Step 3: Submission of Business Plan to the Land Bank of the Philippines (LBP) upon certification and endorsement of OWWA. At this phase, LBP will evaluate your project proposal based on the borrower’s credit worthiness and project viability. Likewise, Land Bank will package your loan application based on their credit facilities proposal.

Step 4: Loan evaluation, packaging, and approval. This will take 45 days upon receipt of loan requirements, which is why it is important that you prepare all the necessary documents when applying for an OWWA Loan.

Keep in mind that attending EDT and submitting all the requirements will not guarantee automatic approval. Credit institutions follow certain guidelines in approving every loan application and as long as you can show the viability of your proposed business and prove your credit worthiness, the higher your chances will be.

272 thoughts on “Step-By-Step Procedure on How to Apply for OWWA Loan”

    1. Yes, your wife can avail of the loan in your behalf. Just present marriage certificate in addition to other documentary requirements OWWA will ask from you.

      1. currently nan dito pa ako sa KSA balak ku na sanang hindi babalik dito next year pwede ba akong maka avail ng 1.5m at paki detail narin po monthly amortization? for 4 to 6 year.


        1. The loan amount depends on the business you are planning to start, capacity to pay (monthly salary), and collateral documents among others, so there is no assurance that you will be granted 1.5m worth of loan. As to the monthly amortization for 4-6 years, we cannot give you a detailed list since we are not sure with the prevailing interest rate by the time you will apply for a loan. Thanks.

          1. Good pm po.. ask lang po, uuwi po ang mother ko from Riyadh po. By Oct po. Kc dahil po di mgandang trato ng amo nia po. Plan nia po na lang po. Para di na po xa babalik po dun.. para tatayo po ng negosyo. Then nag.aaral pa po kami. Kailangan pa po ba ng colateral maam? Kc wala po kami nian maam.. cge po..

          2. Hi Ma’am

            Basically it all defends on the submitted collateral just like any other banks requirement, am i right?
            If you don’t have any property or assets that can present to them. You have a lower chance that the loan request will granted.


          3. Hi po mam..6years po akong ofw sa dubai po..tapos andito na po ako sa thailand ngaun..plan ko po sana magnegoayo na lng next year sa pinas po..pwd po ba ako magloan for petshop business po?

          4. Yes you can, as long as you are an active OWWA member and ma-submit lahat ng requirements needed to process your loan application.

          5. Hi mam Aisha
            i am more than 9 years as OFW ngaun nandito po ako sa Dubai at ako ay buntis, manganganak na nitong May, gusto po itanong kong panu ma avail yong benefits ko or panano umutang sa owwa,please payuan mo ako.

          6. Hi Norhaya. Congratulations on your baby! The OWWA Loan is for business purposes lamang and hindi maaaring gamitin for personal reasons. Maaari po ninyo subukan mag-loan sa mga private lenders since mayroon naman po sila loan products for OFWs. Salamat!

      2. Hello maam, ask ko lng po sana bakit till now dipa ako nakakatanggap ng info from owwa kung kaylan ang 2nd phase, ininform po nila ako sa txt Jan. 9 na pasado ako sa poba exam pero hanggang ngayon wala pa sila txt or call. Ito po cell # ko. 09050398121 or 09199893796
        Thanks po.

      3. Good day po,, ask ko lang po how if kung nandito pa ako sa dubai,, pero gusto ko mag loan,,, pero gusto ko dito ko rin makuha yung pera dito sa dubai,, paano po ang procedure?

        1. Hi Jeffrey! The transaction happens in the PHilippines lang po. You have to attend the training, which is a requirement, submit loan documents, and sign loan agreements if approved. The release of cash must also happen while you are in the Philippines.

    2. My husband and I were ofw, 2 years ago he went home to study culinary arts while I am still currently working abroad,would it be possible to avail a loan for his internship abroad?

        1. Hello ask qlang maam gusto ko mag loan sa owwa 300.000.k para sa bahay q matapos ang second floor at kasalukuyan nandito aq sa qatar pwede ba mag avail ng loan ang asawa ko uuwi ako ng december at pabalik balik lang ako d2 sa company ko sa qatar..thanks

      1. Hello ask qlang maam gusto ko mag loan sa owwa 300.000.k para sa bahay q matapos ang second floor at kasalukuyan nandito aq sa qatar pwede ba mag avail ng loan ang asawa ko uuwi ako ng december at pabalik balik lang ako d2 sa company ko sa qatar..thanks

          1. Hi Irene. The amount of loan na maaaring ipahiram sainyo ay depende sa inyong kakayahan makapagbayad at sa mga collateral documents na maipapakita ninyo sa OWWA. Wala po kasiguraduhan as to the amount.

    3. hi Ma’m/Sir uuwi na po ako this year and plano ko po mag loan pero hindi po business purposes..magloloan po ako para sa pampatayo ng bahay ng nanay ko pwede po ba yun?..4years ofw po ako.. thank you!

      1. Hi Aiza! OWWA Loan is for business purposes only. You can check the Housing Loan for OFWs by PAG-IBIG or SSS since they offer such facility to OFWs. Thanks!

  1. Im an ex ofw from kuwait. I arrived in the philippines last 2008. Am i qualified for the loan. I need it to start a business. Please help. You can send your reply to my email at [email protected]

    Thank you

    1. IF you are an active OWWA member and certified by OWWA, you can avail of the OWWA Loan. Nonetheless, it is best to clarify this with OWWA since we are not sure about their procedure on former OFWs.

      1. Hello po maam ask ko ln po dto po ako sa saudi 9years na po ako dto OFW
        next mont uuwe na po ako matanong ko ln po pwde po ba mag aplay un asawa ko sa loan habang andito pa po ako Sá saudi
        at ano pong requirment na kailangan po

        1. Hello. Kailangan po kayo ang mag-apply since kayo ang OFW at principal borrower. Maaari po kayo mag-execute ng SPA kung saan pinapayagan ninyo ang iyong asawa na mag-transact ng OWWA loan on your behalf.

    2. Good day mam. Ask ko lang po kung ano po number ng owwa and kung saan po office para personal po ako makapaginquire regarding sa owwa loan.

      Pwede po kayo magreply sa email or number ko po.


      Mark Sy Villareal
      [email protected]

  2. Can my mother process the loan in my behalf? Because i am currently working abroad. And i read that one of the requirements is to get a training in EDT, how can i do that if im not in Philippines? How long does EDT takes? Thanks!

  3. I am 18 years owwa member, last 2015 nawalan ako ng trabaho dahil sa pagbagsak ng oil price in the international market, hanggang ngayon wala pakong trabaho, kya i am planning to put up a printing business, pwede paba ako makapag loan sa owwa ano ano ang mnga requirements? Totoo ba yung pag dika nakapagloan sa owwa in 11 yrs, me mekukuha kang pera? maraming salamat

    1. Please pertain to the chart para po sa step-by-step procedure ng pag-apply. Regarding sa pera na maaaring makuha, hindi po namin sigurado. Salamat.

      1. Mam pwde po mag avail ng water refilling station parehas po kmi mag asawa ofw dis coming june bakasyon try lang kung pwde makapagloan thanks

  4. Brother or sister can avail the said loan? I have partner but we’re not married. I’m a security guard here at Abu dhabi.

  5. Hello po good day po sa inyong lahat…dati na po akong ofw since 2003 until 2010 then nag stop po ako..ngayon ito lang 2015 bumalik po ako ulit bilang ofw..ang tanong ko maam kung coverd pa rin po ba yung 2003 to 2010 bilang isang owwa members?tanong ko na rin po anu ano po ba yung business na qualified sa owwa loan?kasi ako po bilang driver po dito sa ibang bansa balak ko po kasi magkaroon ng kahit second hand na taxi po para pagkakitaan ko po sa pilipinas …covered po ba sya as a business para ma i loan ko po?salamat po…

  6. Pwede po ba akong mang loan sa owwa ng pang business ko kasi balak ko nag umwi ng pinas 11 yrs na ako dito sa UAE 48 yrs old na ako at nagyon wala na akong work dahil sa pag hina ng copany pinapasukan ko

      1. Good day maam,
        Ask kolang po 11 years an po ako sa dubai and gusto ko nap o uwi for good napo at mag business po like upgrade ko nalng po angwater refilling station ng fathere in law kop o at puhonan po sa pag aalaga ng hito at babboyan po could you advice ano gawin ko para mangloan sa owwa po. Uwi nako next month po. Leonard

        1. Hello Leonard. Pinaka-importante po ang EDT or Enterprise Development Training. Isa po ang EDT sa essential requirements upang makapag-apply kayo ng loan sa OWWA. Also, we suggest that you start with the EDT while you still have an existing contract since OWWA Loan ay para po sa mga OFWs na may kontrata. Salamat.

  7. Hello po. Kararating ko lang ng May 13, 2017 sa bansang saudi exit na po ako gusto ko po mag loan sa OWWA pwede po ba ako magloan sa OWWA pang negosyo naguguluhan po kasi ako sa procedure eh sa OWWA lalo 45 days bago maapprove ng LAND BANK Baka abutin ako ng 3 months may apply din po ako sa ibang bansa.. please help me.

    1. Hi Gerry, sorry to hear it’s taking so long.

      You may want to consider also private lending companies. They are a bit more expensive, but can approve faster. Have a look at our comparison:OFW Lending Interest

  8. After working in KSA for 10 years my company now in Saudi Arabia is getting bankrupt. I want to stay for good in the Philippines in January 2018. Can I avail of the business training and and loan to put up my own business then?

  9. gud day po mam.
    ask ko lang po kung pwede po ako mag avail.ofw po ako dito sa saudi.10yrs na po ako dito.ask kolang po kung pwede ko mag loan.para po ipambili ng new car.kasi balak ko po na ipasok sa grab.tapos ipapalabas ko sa kuya ko.pwede po kaya un sa loan sa owwa???
    salamat po.

  10. Hi im an ofw here in saudi arabia.can my brother do the loan in my behalf coz im still here in saudi arabia

      1. Maam Ask ko lang po if incase expired na owwa ko due to some issues sa work ko di pa ako nakapagbakasyon dahil nagkaroon kami ng case with my employer..gusto ko na umuwi pra mag business nlang pwede po ako makapag avail ng loan for business?

        1. Hello Enrico. We’re not sure if OWWA will allow this since one of the requirements is that the OFW must have an existing employment contract overseas. We suggest that you contact OWWA directly (every Philippine Embassy has OWWA representative) to clarify on this matter since they are more knowledgeable about this. Thanks!

  11. yung collateral po ba kinukuha ni landbank? or ililista mo lang kung anong property meron ka?pano po kung wlang car and land title na pang collateral puro gamit lng sa bahay,pd na po ba yun?

    1. Hi Sol. Tinatatakan lang sa mismong title na naka-mortgage ang property sa banko. Kapag hindi makabayad, dun lamang magkakaroon ng foreclosure, pero may prosesong sinusunod bago umabot sa ganito. Kung wala kayong property na maaaring i-collateral, pwede parin kayo mag-apply sa tulong ng co-maker na makakatulong sa pag-garantiya ng loan. Salamat.

      1. Good day po
        Kung wala po ako pang colateral pwede po bang co-maker ang misis ko na mgwork sa abroad at mga computer units para makapaloan? May pisonet shop po kasi ako at balak ko mag expand dalamat po

  12. Im presently here in KSA, and 3 years this coming nov.2017. is my wife can avail the loan and can attend the seminar on my behalf?
    SPA I already issued to her before I came back last Feb,2017. What is my chances that I will be approve? Hoping for your favorable reply.

    1. Hi Christopher, you should be the one signing the documents and attending the seminar since you are the OWWA member. As to the chances of approval, that would depend on your monthly salary and collateral documents among others. Only OWWA can determine that. Thanks.

  13. Ma’am Aisha,

    100% po ba ng amount loan ang makukuha? May nabasa po kasi ako regards sa owwa loan na kung saan ay 80% lang ng total project cost ng loan ang makukuha at yun 20% ay shoulder nag loan?

    1. Hi Pris. Kadalasan talaga hindi 100% ang ibinibigay ng mga lenders. Depende din sa collateral mo ang amount na maire-release sa inyo.

  14. Hi my sister is OFW in macau, we have a conjugal property and planning to put up a poultry. Can she avail it?


  15. Hi, both my spouse and myself has been ofw 2007-2016…last contribution was April 2014…we are now currently working BPO industry now….just checking if we are still eligeable to apply for ofw loan for business or franchise opportunity

  16. Good morning ma’am aisha tanong ko lng pwd po ba na ang gawing collateral ay tax declaration ng lupa ..wala po akung pag collateral yon lng tax declaration ng lupa ng mother ko ..paano ako maka aveil ng loan sa owwa ..5 years po ako sa abroad gusto Kong umuwe at mag nigosyo nlng …pls reply kung anu gawin ko …at sabi ni sir Belo wala nang collateral pa ang pag loan sa owwa…thank you and bless ..need your reply

    1. Hi. kailangan yung mismong titulo ng lupa na nakapangalan sayo. Maaari ka din mag-apply with a co-maker para mas mapabilis ang proseso ng loan application.

  17. Hi, I`m planning to apply for OWWA loan on September during my 1 week vacation sa pinas. Just in case after a week wala pa decision sa loan application ko and nkbalik na ko abroad, is it possible na mrelease sya sa partner ko? Hindi pa kme legally married. Thank you.

    1. You can execute a Special Power of Attorney nalang, authorizing your partner to transact on your behalf. Still, baka hindi under your partner’s name ire-release ang funds since hindi naman siya ang borrower.

  18. Hi Mam Aisha, if mag loan po ko 2M good for 5 years magkanu po monthly rate ko according sa 7.5%.

    Since anf OWWA po wiling sa pag assist sa mga OFW wala po bng loan na walang interest?


    1. Hi, we’re not sure with the computation since OWWA might do this differently. Lahat din po ng loan may interest.

  19. Hello there, can i avail a loan only to construct a small house?
    If so, I only have 2 weeks left, would that be enough to process the requirements?
    Thanks a lot.

    1. Hi, the OWWA Loan is for business use only. You may consider other government agencies such as SSS or Philhealth for construction.

    1. The OWWA Loan is for business use only. For housing purposes, you can try government agencies like SSS or Philhealth.

  20. MADAM, ex abroad po ako meron po akong recontract na another 3 years pero bigla nila akong hindi pinabalik when i was in vacation ,,,anu pon pwedeng gawin para makakuha man lang ng kaunting loan sa inyo ?

  21. Gud am po, mhigit 1yr n po me nkauwi galing taiwan ask ko lng po if pwede po me mkaavail ng loan para po mkompleto po ung sari sari store ko d2 po sa subd.nmin. pati mkpagopen n rin po ng mga frozen goods. Pwede po p b mkaavail ng 100k? Thanks po! And if ever ano po ung mga requirements?

  22. Tanong ko Lang po.bakit ang mga active Lang sa owwa member ang pwedeng maka avail ng loan program.paano naman po ang dati ng member na Hindi na nakaalis ng bansa bakit Hindi sila kasama sa loan program samantalang nakapagbayad naman sila sa owwa ng matagal na panahon in iba nga more than 10 years member.

    Your concern
    Joselito alano

    1. Hi Joselito. Pasensya na pero yun po ang policy ng OWWA. Gayunpaman, may mga private lenders na maaari makatulong upang makapagsimula kayo ulit.

  23. hi, ask ko lng po kng pede kmi mg load for downpAYment for car ipng uuber nmn or grab.. my business kmi garments po s baclaran and my dad is ex abroad for his retired na po dumtng sya dto s pinas nun 2013, ask ko po if it possible na mkpg loan kmi kht 200k? kht na wala na dad ko s abroad pro my business nmn po kmi pls do responds eto po email ko [email protected] mrming slamt po aasahan ko responds nio, more power

  24. hi my mother is an OWWA member she’s almost 8 years working abroad, can i apply for business loan in her behalf? and if yes how much can we lend?

    1. Only OFW-OWWA member can apply. The amount will depend po on your assets for collateral and capacity to pay among others.

    1. Depende din po sa valuation ng property and capacity to pay. Wala po assurance na maaari kayo mabigyan ng P250K na loan.

  25. hi mam! good day po!

    Me and my husband are both OFW for 5 years. We are planning to end our contract by next year.

    Can we still apply for the loan after our exit abroad?
    Thank you.

  26. hi gud an ex ofw po i am interested of the owwa loan that u are offering me and my husband may motorparts business po kmi which is one month operational pa lng po gusto k po mg loan para po madagdagan puhunan namin para sa business namin..

    1. You may execute SPA to authorize your father to transact on your behalf. Please have it notarized and consularized in the Philippine Embassy where you are working.

  27. Hello Admin,
    I have decided not to renew a two year contract as ofw, instead I just signed a 6-mo contract only. We’ve started small business in 2011 (home made products) at iyon nalang itutuloy pag umuwi na ako.
    Makakapag avail po ba ako ng loan for additional business funds kahit hindi na ako working as ofw?


  28. hello 🙂 may i ask kung ano po ang requirements para makapag loan po sa owwa? meron po kasi akong ate na kakauwi lang galing saudi almost 3 years po kasi siya dun balak po niya sana magloan paano po and mga hm po kaya thank you 🙂

  29. Hello po. Ask po ako pwede a magpasa ng business plan 5pcs in 1 loan ? 2m po e apply may collateral kami agreculture 2hectare falcata. Babalik pa din ako sa ksa

    1. The business plan must be passed kasama ng ibang requirements para ma-process ang loan application. Wala din po kasigaruduhan na mare-release ang 2M loan sapagkat maraming pong criteria ang tinitignan ng banko.

  30. mam ask lang po kasi 6 yrs ako sa riyadh kaso nawalan ako ng work kasi humina company.balak ko sana mag loan para sa machine shop business pwede ko ba i collateral ang land tittle para mka loan ng 500k ilang years at magkano naman monthly if ever. salamat po.

  31. Hi mam good am po magasawa po kmi sa saudi couple umuwi po kmi ng pinas 201
    5 pa po hanggang sa ngaun nandto pa po kmi my re entry po kmi d kmi bumalik kc po salbahi ung pamilya pero po nkatapos kmi ng 2 yrs mahigit makakapag loan b kming mag asawa para sa panimulang negosyo ayaw n po nming bumalik sa ibng kung pwede po kming mag loan ano po ang aming requirements salamat po at magandang gbi..

    1. Hello Arnel. Naiintindihan namin ang inyong sitwasyon. Nguning, ang OWWA Loan ay para sa mga OFWs na kasalukuyang may trabaho sa ibang bansa. Gayunpaman, maaari ninyong subukan ang private lenders upang makapagsimula kayo ng inyong negosyo. Here is a comparison ng mga private lenders na maaaring tumulong –

    1. Hi Lourdes. Ikinalulungkot po namin ipaalam na ang OWWA Loan ay para po sa mga OFWs na may existing employment contract. Maaari po kayong lumapit sa mga private lenders upang makapagtayo ng negosyo. Ang kagandahan po sa private lenders ay hindi sila ganun ka-strikto sa requirements. You can check the pricing comparison here –

  32. Gud day ofw in kuwait and my fiance in riyahd.maybe with in this year mka uwi na po cya.Plan po namin mg loan pg uwi nya pra mg negosyo nlng ng baboyan at vulcanizing shop at tubusin po namin ang nka sanlang palayan.anu po ang dapat naming gawin?at may posibilidad ba na ma aprobahan ang gusto nming e loan na 300k?

    Salamat po

    1. Hello Anita. The amount to be released will depend on several factors gaya ng monthly income, credit standing, and amount of savings, which is determined by the Land Bank (partner bank of OWWA). It is best to submit the requirements first to OWWA Office and wait for their feedback kung kailan magu-umpisa ang Enterprise Development Training (EDT).

    1. Collateral is not limited to property alone. Pwede din po Receivables, Deed of Assignment, or Purchase Order among others.

  33. Hi and Good Day! tanong q lng po. pwde po ba maka avail ang asawa ko ng loan worth 80thousand pra mkapagstart ng business. seaman po ang asawa ko at bago lng cya bumaba. plan po nmin try na mgsimula nang maliit na negosyo, pasalubong center po. mga 80 thousand po ang capital. qualified po ba un?

    1. Hello, maaari naman mag-apply ang inyong asawa as long as ma-meet at ma-submit ang lahat ng requirements na kinakailangan ni OWWA. Gayunpaman, maaari kayo sumubok sa private lenders since mas madali at mabilis ang loan application. Thanks!

  34. hi mam morning.nag seminar na po ako sa owwa business loan.pero need nila ang colateral paano po kaya nga tayo nag loan sa owwa dahil gusto ko maka pag simola..wala po akong colateral.member pa po ako ng owwa active pa pero parang wala akong pag asa…thanks

    1. Hello Sarah. Ang collateral ay hindi naman automatic na real estate property, although yun talaga ang mas gusto ng lenders. Maaari kayo mag-apply with a co-maker upang matulungan na maaprubahan ang inyong loan application.

  35. Mam, nag exit Po akp Mula riyadh.pwede Po ba ako makaloan para ibili ko Ng niyugan kc magandang soure of income sya KC every 3 months Ang time nya. thanks

  36. Gud eve mam!.pwde po b aq magloan kht 100k pambili lng ng tricycle? 3yrs. Po aq s abroad at ksalukuyang and2 sa pinas..pwd po b mlaman requirements qng pwd aq mkpgloan…

    1. Hi Francis. Magandang simula ang tricycle upang manatili ka na sa Pilipinas for good. Gayunpaman, ang pag-apruba ng iyong loan application ay nakasalalay sa OWWA at Landbank (partner bank ng OWWA). Maaari ka magsimula sa pag-attend ng Enterprise Development Training (EDT) and you can proceed with the loan application process after mo magattend ng EDT.

  37. Good day po mam Aisha, sa semainar po ba mga ilng araw po un? Kasi 2 mnths lng po ang bakasyon ko pag anjan ako. Seaman po, Sakali man mam, dapat ba may collateral? May lupa kasi ako mam, pro dpa sya title.. bali deeds of sale lng ung hawak ko. Pwd nba un mam para e present as a collateral?

    1. Hello Jojo. Based on the feedback from OFWs who took the EDT, the training is for three days since there will be different representatives from various sectors that will guide you in understanding the chosen business. Collateral is required po if you will apply for OWWA Loan. Ideally, they prefer real property, although pwede din ang co-maker or other documents like Purchase Agreement.

  38. Hello, I want to invest in a Paiwi program of my friend who owns a 4-hectare farm for Boer goats. Is it part of the OWWA Loan Program?

    1. Hello Paul, this could be considered for the OWWA Loan Program. Further details will be discussed on this once you attend the Enterprise Development Training. You may call OWWA hotline to ask about the schedule of EDT near your area. Thanks!

    1. Hello po. The OFW Loan is intended for those with existing contracts. We suggest po that you consider private lenders in case you need assistance 🙂

  39. Dear ms. Aisha,
    Good evening ask ko po assistant nyo po na management Re-structuring po ako sa company ko at uwi nalang me po ako for good pano po ba magloan upgrade ko sana ang water refilling statin ng father in-law ko at maglalagay ako ng sarisari store po. Taga iloilo po ako ano po ba ang gawin ko salamat po.

  40. Good day Madame,
    My wife is an OFW in Kuwait and right now, she’s working there. Can I (her husband) apply for the loan and attend also for the EDT seminar? And regarding for the collateral , can I apply without it?
    Thank you for your time and hoping for positive response.

    1. Hi Rhacine. Yes, you can apply on your wife’s behalf AS LONG AS you submit a consularized Special Power of Attorney appointing you as the attorney-in-fact. Regarding the collateral, this is required since it will serve as security for the loan. You can use real estate property, deposits, and other assets under your name for collateral since this will increase your chances of approval as well.

  41. Hello, ,,gud morning po …ask lng po pwedi po ba pinsan gawin co maker kc mother ko 60 above na ang anak k 13yrs old palang …andto po ako s Lebanon gsto k mg avail ng loan. Thank you ,,,,

    1. Hi Joselyn. Ang co-maker ay makakatulong upang ma-approve ang inyong loan application. Kinakailangan na siya ay may good credit standing din at someone na iyong mapapagkatiwalaan. Maaari naman gawin co-maker ang iyong pinsan, ngunit importante din na mapaintindi sakanya kung ano ang ibig sabihin ng co-maker. You can check this post to know more about co-maker –

  42. Good day..seaman po ako,tanong ko lng po..pwede ko po bang gamiting collateral ung house&lot na nka pasok po sa pag ibig loan,?..pero naka pangalan po saken at sa asawa ko ung tittle..
    Gamitin ko po sana pang negosyo kung pwede…salamat po.

    1. Hello Jessie! We’re not sure if OWWA will allow this since mayroon na po existing mortgage sa property. In case of default, mas magiging priority si PAG-IBIG and not OWWA, kaya baka po hindi ito payagan even if sainyo nakapangalan.

    1. Hello Shiela. Ang OWWA Loan ay for business purposes lamang at intended for OFWs. You can consider other agencies like PAG-IBIG or SSS since they offer housing loans as well at a lower rate compared to banks.

  43. I’m ofw for about 8yrs ..plan q po magloan for business purposes n I’m pregnant for 6mos na kung D’s time balak q magloan priority po ba aq..

    1. Hi Daisy. Priority will always be given to pregnant women, but this doesn’t mean hindi po kayo magu-undergo ng Enterprise Development Training or mas mapapabilis ang pag-process ng inyong loan application. OWWA is strict with the requirements, which means you need to comply with them as well 🙂

  44. Hi Ma’am,
    Pwede po ba makahingi ng copy or format ng Business Plan, May proposal po sa akin about trucking business (Rice Delivery to Manila). Need ko lang po ngaun ang business plan na i-submit sa Bank.

    1. Hi Sir Jay,

      I attended the EDT training and we were given a format for the business plan. Message me so we can discuss further about this.

  45. Pwd Po bang magloan kahit 2 years LNG ng abroad…hindi na Po kase ako ngrenew.Balak ko n LNG Po magbusiness.

  46. good day MaamSsir,
    Ive’d been working as abroad as a domestic helper for almost 3 yrs but came back here in the Philippines last i qualified for a loan?my OWWA membership still up to Sept of 2018.i have a store situated in our house and i want to expand it.
    thank you

    1. Hello Ann. You should start by attending the Enterprise Development Training since dito ia-assess kung “acceptable” ang proposed business mo. Once you’re done with the EDT, you will be endorsed as qualified for the next step, which is submission of loan requirements 🙂 We suggest that you check the schedule for training at the nearest OWWA Regional Office in your place so you can start 🙂

  47. Good day po. Tanung ko po sana kung paano mag avail ng OFW loan. Existing OFW po ako 9 years.walang na invest or kahit ipon.kya e try ko po sana mag loan ng kahit 1 million to upgrade ko lng sana bahay ng parent ko to boarding house business. At isa pa po paano kung walng maipresent na collateral document? Thank you and hoping your response.

    1. Hi Ferly! Kudos to you for all the sacrifices you made for your family. If nais po ninyo mag-apply for OWWA Loan, the first step is to attend the Enterprise Development Training. From here, malalaman po ninyo kung pwede kayo mag-proceed sa next step base sa proposed business ninyo. Collateral po is also required since this will serve as security for the loan. Any assets po under your name can be considered as collateral 🙂

  48. Hi, currently worked and live in Kuwait. paanu po mag apply ng ofw loan direct po dito sa kuwait owwa or sa pilipinas mismo? Planned ko po sana maka loan ng cash for house renovation. Please help.

    Thank you

    1. Hi Oliver! You may consider other lenders aside from OWWA since employment contract is among the requirements needed to process your loan application. Thanks!

  49. Hello po.. balak q po sna mg loan pauwi q po this coming may.. dagdag puhunan po s baboyan,mini grocery and meron n dn po aq canteen bubuksan this coming week.. maapprove po kaya an 200k loan q? Thank you po😊

    1. Hi Helen! OWWA – Landbank will have the final say as to the amount of loan approved. This would depend po on your monthly income, collateral, and other documents 🙂 You may attend the Enterprise Development Training para ma-assess if viable ang inyong proposed business. Thanks!

  50. Hello po.. pwd po b aq mka avail ng business loan? Dagdag puhunan s baboyan,mini grocery and may canteen po aq bubuksan this coming week.. 200k po b pwd maapprove.. bali balik pinas po aq s may… thank you po and godbless😊

    1. Hi Helen! Ang unang hakbang po ay umattend po muna ng Enterprise Development Training. From here, malalaman na po kung viable ang business na nais ninyong buksan na maaaring ma-cover ng OWWA Loan. Maaaring tumawag po sa nearest OWWA office sa inyong lugar upang malaman kung kailan ang scheduled training. Salamat!

    1. Hi Arjay. Ang OWWA Loan requires OEC, which means dapat po may existing contract po kayo overseas. Hindi lang po kami siguarado if papayagan ni OWWA kung wala ng existing contract. Salamat.

  51. good day po if mag loan po ako ng 150k para sa negosyo ko po ano po mga requirements pero nandito pa po ako sa ksa sana masagot nyo tanong ko salamat

    1. Hi Glaisa. OWWA Loan is processed in the Philippines and requires personal appearance po since you will also be asked to attend Enterprise Development Training. Once completed, doon pa lang malalaman if qualified na po kayo to continue with the loan processing 🙂

  52. mam, ofw po ako dito sa Saudi kulang 8 yrs po ako dito, mag eexit na po ako sa darating na april 9, 2018, sa halos na 8 yrs ko na pagttrabho wala man po ako naipon dahil hndi nman po kataasan sweldo ko, at yung makukuha ko benefits at halos nakalaan na po sa aking mga utang. gusto ko po mag avail ng loan ng sa ganun at makapag umpisa ako kahit maliit na negosyo.
    gusto ko po sana mag negosyo ng mini grocery o kaya egg dealer.
    paano po ako matutulungan ng owwa para makapag simula po uli ako.

  53. hi po ask ko lng po pede n po ba magloan ang kakarerenewv lng s kontrata nito lang last yer dec 2017 nka 2 yers n po s work pero un pa rin un pinasukan work po ..nagwowork po ko dito s dubai uae bilang isang barbers /hairstylist …balak k sna po magopen nlng ng salon s pinas po at nu po mga requirements po at magknu po ang naloloan po slamt po …

  54. Hi good day. Im ofw this year matatapos na po contract ko plan kopo sana mag business nalang ng comshop at bigasan ? Pwd na po ba ako mag apply ng loan sa owwa ? Salamat..

    1. Hi Mark! The first step would be attending the Enterprise Development Training. You can call OWWA office near you regarding the schedule for EDT. Once cleared, that’s the time po that you can submit documents for processing of your loan application.

  55. Good day mam. Ask ko lang po kung ano po number ng owwa and kung saan po office para personal po ako makapaginquire regarding sa owwa loan.

    Pwede po kayo magreply sa email or number ko po.

    [email protected]

  56. Hello po maam and Sir,
    Andito po Ako sa KSA mag 4yrs na po Ako ngayong August bali second contract ko na po ito umuwi po Ako nung November 2016 at bumalik February 2017. At uuwi na naman po Ako ngayong February 2019 balak ko po sana mag loan bago Ako mkabalik ulit dito para po pang business ng mama ko at pampatayo na rin ng bahay. Mga ilang buwan po kaya ma approbahan po yung loan? At magkano po kaya pwd Ang ma loan ko nasa 20k po monthly salary ko.

    Thank you!

  57. Hello,

    OWWA member po ako..planning to stay in the Philippines for good. Can I avail OWWA Loan for my rental business. I can use my lot as collateral.

    1. Hi Noel! The first step would be attending the Enterprise Development Training. At this point, OWWA representatives will tell you if you can proceed with your loan application. You can consider private lenders din po since they are “less strict” compared to OWWA. Please check this post ( for comparison of rates. Thanks!

    1. Hi Jojo! We’re not sure po if papayag si OWWA/Land Bank na magiging second mortgagee sila since may existing na claim na po sa inyong lupa.

  58. Sir /madaam pwede po bah maka loan para pangbili kopo ng dumptruck bali trucking services po ang plano ko.ang working visa ko po bah pwde ma eh referral sa loan dto po ako sa Europe thank you po

    1. Hi Ronil! You are required to be in the Philippines po since you will attend the Enterprise Development Training. Once completed, that’s the time na sasabihin po sainyo kung viable ang inyong proposed business. Salamat!

  59. Hi.
    How do I even complete/finish the EDT if I am not in the Philippines? Are PH embassies around the world (here in Middle East) allowed to give EDTs to OFWs?

    Thank you.

    1. Hi Ryan! EDT is only conducted in the Philippines po. We’re not sure if the Philippine Embassy has OWWA representatives that could conduct EDT abroad.

  60. Hi mam i am an ofw for 2 years in ksa and now i pursued my career as a chef in a cruise line industry. I worked for 4 months in a cruise ship amd now here in the philippines for medication because i suffered severe headache..i am planning now to stay here for good..can i avail the loan? Im planning to start a small restaurant and cakeshop..but i dont have idea what will be my collateral for the loan..pls help..thanks..godbless.

  61. Mam may negosyo na po ako, pwede pa po bang mag loan para sa panibagong negosyo. Magkano mo ang maximum na pweding makuha.

  62. Hello po ofw po ako working here in Saudi Arabia for more than 20 years.Balak ko po mag loan for business para matustusan ko ang dalawang anak ko na mag college.Medyo nalilito po kasi ako dahil I’m particular po sa collateral since wala po akong Land title or whatsoever.Kaya ang ginawa ko po nag visit po ako sa owwa website para malaman ko po ang requirements at kasali sa requirements ang land title as collateral.Tapos po may napanuod po ako sa you tube regarding how to avail a business loan po sa owwa at ang nabanggit po na pinaka collaterals is ang business proposal po.Please make it clear po Kasi papaano na lng yon tulad ko na gusto matustusan ang pagka college NG mga anak through your business loan program para makapag for good na at dina mapalayo sa pamilya.Salamat po!

    1. Hello. Collateral is required po since kailangan ma-guarantee ang inyong loan. Maraming klase po ang pwede gawin collateral – property, car, time deposit, receivables, etc. Yung iba po, they apply with a co-maker na tutulong na ma-secure ang loan.

  63. Hi!I need around 600k to build studio type units in a small lot. I have been in Abu Dhabi for 12 years now and recently planned to build one. If the land title is the collateral of loan ilan percentage po ba ibagay ng bank since it is a small lot.
    thank you.

  64. Hi po Iam Susan here, magtanong Lang po Ako long swan makuha ang MGA paper na Ito….Kapag mag apply bang loan

    1. Hi Susan! Kayo po ang magpo-provide ng documents na ipapasa sa bangko kung maga-apply po kayo ng loan. Kinakailangan po ninyo umattend ng Enterprise Development Training since ituturo din po doon kung pano ang paggawa ng business proposal among others. Salamat po.

  65. Magtatanong lang po sana.

    Paulit-ulit man pero mas gusto ko sana na mismo sa akin sasagutin ang tanong.

    Nandito ako ngayon sa Riyadh at almost 5 years na akong OFW.

    Natulungan ko ang kapatid kong makatayo ng maliit na isdaan sa palengke at balak kong dagdagan ang puhunan nya through owwa loan.

    Makakapagprovide ako ng contract as assurance na nagwowork ako continues dito sa saudi.

    While I am still here abroad gusto ko na sana makapag loan ako para ako mismo ang magbabayad through my monthly salary/balikbayad system.

    Can you please enlist the documents required at paano ang proceso. please email me at [email protected]

    1. Hi Ronnie! The post indicated the step-by-step procedure including the requirements on how to apply 🙂 Nonetheless, you need to attend the Enterprise Development Training (EDT) first, the schedule depends on OWWA in the Philippines, to determine if your proposed business is viable.

  66. OFW po ako dito sa Dubai, pwede po ba ako mag avail ng OWWA loan for my friend’s business. Sa kanya po yung business but since hindi naman po sya OFW, pwede po ba ako ang mag loan at magbayad sa loan?. Thanks

    1. Hi olive! We don’t think that kind of arrangement is advisable 🙂 This is to protect your interest and credit standing as well in case mag-default sa payment ang inyong kaibigan. Salamat,

  67. Kung mag incorporate ba ang 4 ofw isang loan lang ba ang makukuha pra sa isang business na itatayo or pwede makakuha ng individual na loan para mas lumaki ang capital namin

    1. Hi Reynaldo. You can either apply as a corporation or individually as sole proprietor. Pwede naman po kayo mag-apply individually since madali ang pag-process ng sole proprietorship sa DTI.

    1. Hi Chris! That is possible as long as may SPA signed by you allowing your wife to attend EDT on your behalf. This should be consularized as well since sa KSA gagawin ang SPA.

    1. Hi Giemar! OWWA Loan ay for business purposes only. You can try applying with SSS or PAG-IBIG since mayroon silang Housing Programs for OFWs.

  68. hello poh! ask ko lang po ako kng maka loan po ako 3500.000.00 pesos, gusto ko lang makuha yong bahay sa mama ko nasa balikatan, andito po ako sa KSA,thnxx poh

    1. Hi Sandy! Ang OWWA Loan ay para lamang po sa pag-uumpisa o pagpapalago ng negosyo. Maaari ninyo po subukan ang housing loan mula sa PAG-IBIG or SSS since may ganoong facility po sila para sa OFWs. Salamat po.

  69. gud am po mam, ask lng po if ilang araw po ba yung edt pag ng seminar?? gusto po nmin sanang mag loan ng pang water refilling business kaya lng andito pa kmi sa bansang palau.. pede po ba yung anak ko ang mag seminar nun?? thanks po

    1. Hi Alex! Seminar is for two to three days according to OFWs who attended EDT. We’re just not sure if pwede po ang anak ninyo ang mag-attend since kayo po dapat ang nandoon bilang principal borrower. Salamat po!

  70. Good day sir/mam,

    Pauwi po ko itong last day of july 2018.
    Gusto ko po magloan ng kahit konti.

    Ano po ba ang kailangang ko ihanda na requirements, para po maayos ko?
    Please Let Me Know

  71. Mam, Im here now in UAE. Meron po kaming bahay na gusto namin gawing paupahan sa ngayon kasi wala na pong nakitara dun. Then, gusto ko sana iparenovate para gawing 4 na Kwarto for Rent but lack of fund. Pede po ba ako makapagloan kahit 150k for renovation? Salamat po sa sagot.

  72. Dear Sir/Madam,
    san po naka post ang mga requirements needed for loan application, ilan days po ang training. kung sakali po uuwian ko para mg attend. ano po sched ng holiday nyo ng December try ko po mag emergency leave ng 1 week.

    1. Hi! Training is usually two to three days. Wala po kami schedule since OWWA po ang nagse-set nito. Mas mabuti po na tumawag sa pinakamalapit na OWWA branch para malaman ang schedule. Salamat.

  73. OFW ako dito sa KSA, gusto ko sana mag avail ng loan, pero ala akong business proposal na maibibigay, pero meron ako palalagyan ng loan sa isang investment.
    Makaka avail po ba ako ng loan?

  74. Hi! Magkano po ang maa avail ng mama ko, mga requirements & days of training? DH sya sa Doha Qatar since 2006 at balak na po ng mama ko na mag for good sa 2019. Salamat.

    1. Hello. Training will be 2 to 3 days. If your business proposal is allowed, then you need to prepare the requirements. Please check the link on this post for the list. As to how much ang grant, depende na po ito sa proof of income and capacity to pay.

  75. Hi poh,

    Im planning to make a loan for my business plan. Collateral is one basic need..what if po bayad n yung property pero d p npapa tansfer sa name ang property. Is it possible that I can avail a loan?

    Thank you poh

  76. Hi.. nasa saudi ako gusto ko sanang mag business ng water refilling station at farm.. but as per requirements need may seminar .. can i send someone like my business partner to attend,

    1. Hello po. If you have a business partner, then pwede naman po. But you might be asked to present documents that will prove that you are an OFW po so to be sure, paki-prepare narin. Salamat.

  77. hi po maam/sir andito po ako nagtratrabaho sa saudi. sa pag uwi ko this year sa pinas plano ko po sanang mag loan ng 250k para e dagdag sa negosyo ng ama ko. pwede kaya ako maka avail ng loan sa owwa?
    3months lang yung vacation ko dyan sa pinas at babalik ako ulit.

    1. Hello. Yes, you can apply for a loan. Just make sure po that all the documents will be submitted para po mapabilis din ang proseso ng inyong application.

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