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.
Benefits
Affordable
Enjoy low rates, down payment options as low as 10%*, and flexible payment terms of up to 20 years.
*Subject to the property appraisal report of the bank.
Easy to apply
Apply through any of the BPI branches nationwide or through the bank’s network of accredited brokers and developers.
Reliable
Start your new housing loan journey with us and we will guide you in every step of the way.
How to apply
Apply in the branch
Apply online
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.
Tools and services
Let's help turn that dream home into reality.
Frequently asked questions
What properties are eligible for a Housing Loan?
1. House and lot
2. Townhouse
3. Condominium
4. Vacant lot
What are the rates for home acquisition?
BPI accepts refinancing with the following rates below:
| Fixing period (years) | Rate |
| 1 | 7.00% |
| 2 | 7.25% |
| 3 | 7.75% |
| 4 | 8.00% |
| 5 | 8.25% |
| 10 | 10.25% |
| 15 | 10.50% |
| 20 | 12.00% |
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.
What are the qualifications to apply for a housing loan?
You have to be at least 18 years old but not more than 70 years old upon loan maturity. The minimum household income should be Php 40,000.
What is the minimum and maximum loan amount?
Minimum loan amount: Php 400,000
Maximum loan amount: Up to 90% of property value
What is the term of the loan?
Minimum loan term: 1 year
Maximum loan term: Up to 20 years
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| BPI is regulated by the Bangko Sentral ng Pilipinas