The answer to the question is BIG YES!  There are tons of reasons why you should talk with a bank and get pre-approved before buying  homes.  First and foremost, talking with a bank before looking at homes can help you understand exactly how much you can afford.  There is no reason to look at homes that are listed for Php 3,000,000 if you can only afford up to Php 2,000,000

If you’re a first time home buyer, talking with a Bank Home loan Officer or an EXPERT REALTOR  before buying a property is strongly suggested, as there are many first time home buyer OPTIONS  available. Ex. Bank mortgage Program, PagIBIG or IN-HOUSE Financing options.

Another important reasons why you should  talk with a bank or your TRUSTED REALTOR  before looking a HOUSE AND LOT,  CONDOMINIUM or a LAND  for you to understand exactly what costs are associated with buying a home.