BPI Housing Loan to Buy a New Home

1. Go to any BPI branch.
2. Completely fill out the application form.
3. Submit the requirements. Your application will be reviewed and processed.
4. If your application is approved, you will receive an SMS notification and will be asked to visit the branch or a Loans Business Center.
5. Sign the loan documents.

1. Completely fill out our Housing Loan online application form.
2. Submit the requirements. Your application will be reviewed and processed.
3. If your application is approved, you will receive an SMS notification and will be asked to visit the branch or a Loans Business Center.
4. Sign the loan documents.

• Latest COE
• Latest 3 months pay slip
• Latest ITR
• Authorization letter to verify employment

a. Other Income Docs
• Bank statements of payroll account, with authorization letter to verify

b. Commission-Based
• Certificate of employment stating commissions received prior year/months/period and Commissions Receivable, if any
• Bank statement where commission is credited, with authorization letter to verify

c. Foreigners
• Filipino spouse to act as primary borrower

• Certificate of Pension, with authorization letter to verify
• Bank statements of pension account, with authorization letter to verify
• SSN

• Latest Contract, with authorization letter to verify
• Proof of bank remittance, with authorization letter to verify
• Details of crewing manager for seafarers
• Attorney-in-Fact / loan administrator (preferably a next of kin); full name, contact details, mailing address and valid government IDs

• Valid DTI Registration or Mayor’s Permit
• Latest ITR with audited financial statements
• Working account (6mos) with authorization letter to verify
• Trade references with complete contact information (business name, complete address, contact person, business phone number) * Major suppliers (at least 3) * Major clients (at least 3)
• Authorization letter to conduct trade verification

a. Additional for part owners of a Partnership/Corporation:
• Individual ITR
• Payroll account where claimed salaries are credit, with authorization letter to verify

b. Additional for rental properties:
• Copy of TCTs/CCTs
• Copy of valid and notarized lease contracts Additional for transport business:
• Copy of LTFRB franchise decision of all units
• Copy of OR and CR of all units
• Authorization letter to conduct franchise verification with LTFRB
• Copy of valid ID of franchise owner

• Working account with authorization letter to verify
• Latest ITR with audited financial statements
• Clinic/office address with complete contact details (as applicable)

1. House and lot
2. Townhouse
3. Condominium
4. Vacant lot

BPI accepts refinancing with the following rates below:

Rates effective as of November 10, 2022

The above are indicative rates for new loan applications. Applicable repricing interest rate will apply for existing borrowers.

You have to be at least 21 years old but not more than 65 years old upon loan maturity
The minimum household income should be Php 40,000.

Minimum loan amount: Php 400,000
Maximum loan amount: Up to 90% of property value

Minimum loan term: 1 year
Maxium loan term: Up to 20 years