About BPI
BPI offers home financing with terms up to 20 years. Apply through a branch or accredited broker or developer.
Loans and services
This page covers Housing Loan. You can also compare these BPI offers.
How to repay
For BPI Housing Loan, use the payment instructions issued with your agreement. Confirm the receiving biller or account, loan reference and posting time with BPI before sending money. After paying, reconcile the receipt against this loan’s balance.
If you cannot repay on time
For your BPI Housing Loan, prepare a household budget and ask the mortgage servicing team about a revised payment schedule before arrears grow. Request the effect on interest, the final maturity date and property-related charges in writing. Selling the property or surrendering it does not automatically clear the balance.
Loan details
- Loan product
- Housing Loan
- Loan type
- Housing loans
- Provider / channel
- Bank
- Published amount
- From ₱400,000
- Repayment period
- 1–30 years · acquisition page
- Rate disclosure
- By quotation: Fixing period affects rate
- Access condition
- Open application
- Published income threshold
- Household income: ₱40,000/month.
- Pricing coverage
- Quote required
Requirements & eligibility
Eligibility
- Age 18–70 at maturity. Household income at least ₱40,000/month.
- Eligible house/lot, townhouse, condo or vacant lot, property assessment required.
Documents to prepare
- Application and two IDs. Employees: COE, three months payslips, ITR and verification authorization.
- Business: registration/permit, ITR with audited accounts, six months working-account records and trade references. Property title/tax records and sale documents.
Amount conditions: Up to 90% of property value, subject to assessment.
Income basis: Household income: ₱40,000/month.
Source discrepancy: Acquisition FAQ states up to 30 years, the overview and All-In Financing page state 20 years. Confirm the applicable programme and purpose.
Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.
Costs to consider
A current rate table and full fees were not verified on the product page. Ask for the initial fixing period, repricing basis, appraisal fee and required insurance.