1. House and lot
2. Townhouse
3. Condominium
4. Vacant lot
Benefits
Affordable and rewarding
Enjoy 0.15%* rate discount as a NEXT client, down payment options as low as 10%** and flexible payment terms of up to 20 years.
*Terms and conditions apply.
**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.
Frequently asked questions
What properties are eligible for a Housing Loan?
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
The Program by NEXT
Train like a pro and get into top financial shape through tips, quips, and insights from the best of BPI.
| BPI is regulated by the Bangko Sentral ng Pilipinas