List of BPI Housing Loan Requirements 2026 for Application
BPI HOUSING LOAN REQUIREMENTS 2026 – If you are a locally-employed individual who wants to apply for the offer, here are the documents you must submit.
Nowadays, you do not have to wait for several years before you can finally live in a house that you can call your own. There are now some trusted entities that has crafted offers to help eligible people achieve their dreams sooner. One of them is the Bank of the Philippine Islands.
More popularly called as BPI, the Bank of the Philippine Islands is operating in the country for several decades now and has widely earned the trust of millions of Filipinos. It has a wide range of finance product offers which it continuously expand and fill with excellent features.
BPI got different savings and checking bank accounts, credit cards, loans, investment products, etc. While its credit card offers include the BPI Amore Cashback Credit Card that can help you earn from your purchases, its loan offers got the Housing Loan that is ready to help you achieve your dream house.
The Housing Loan offer of the Bank of the Philippine Islands is ready to finance several purposes including the following:
- acquisition of a residential property
- a house construction
- a home renovation
- an existing home loan refinancing
Do you want to apply for the loan offer? It is open for both salaried and non-salaried individuals. Before checking on the BPI Housing Loan requirements which vary among the locally-employed and self-employed loan applicants, it is best to first check the qualifications under the offer.
To be eligible to apply for the loan, the loan applicant should meet the following qualifications:
- either a Filipino citizens or foreigners married to a Filipino citizen
- at least 21 years at the time of the loan application for primary borrowers and not more than 70 years old upon the loan maturity
- with sufficient income
If you are a locally-employed individual who wants to apply for the Housing Loan offer of the Bank of the Philippine Islands, here are the documents that you need to prepare and submit to the bank for the loan application:
- duly-accomplished BPI Housing Loan Application Form
- 2 valid Identification Cards which may include the following:
- Philippine National ID (PhilID/ePhilID)
- Company IDs issued by private entities registered with or supervised or regulated either by BSP, SEC or IC
- Driver’s License issued by LTO
- GSIS ID
- MARINA ID
- OFW ID
- OWWA ID
- Pag-IBIG ID (with photo)
- Passport
- PWD ID issued by NCDA
- PhilHealth ID (with photo)
- Philippine Postal IDPRC ID
- Senior Citizen ID
- SSS ID
- TIN ID
- UMID
- Voter’s ID
- latest Certificate of Employment or COE
- latest 3 months pay slip
- latest Income Tax Return or ITR
- Authorization letter to verify employment
The BPI Housing Loan requirements may also include bank statements of your payroll account with authorization letter for verification as a proof of income. If you are earning through a commission-based income, you must submit the following documents in applying for the loan:
- 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
The Housing Loan offer of the Bank of the Philippine Islands is open not only for Filipinos but as well as employed foreigners who have a Filipino spouse who can act as the primary borrower. In this case, the BPI Housing Loan requirements for application include the following:
- Photocopy of Owner’s Duplicate Copy of the Condominium Certificate of Title or Transfer Certificate of Title (as applicable)
- Photocopy of the updated Tax Declaration, Tax Clearance, Tax Receipt
- Photocopy of notarized Contract-to-Sell or Offer-to-Sell from registered owner of property (for private sellers)
- Signed Authorization Letter for Tax Mapping and Inspection of Property (for properties in secondary market)
- Photocopy of notarized Contract-to-Sell / Letter of Endorsement / Official Computation Sheet from developers (for accredited developer tie-up properties)
- Non-refundable appraisal fee of Php 5,000 (inclusive of title verification)
- Photocopy of latest Statement of Account with existing mortgagor (for refinancing)
- Complete set of Building Plan, Bill of Materials, Scope of Work/Cost Estimates (for construction loan)
To apply for the BPI loan offer, visit a branch of the bank nearest to you and submit your documents to begin the loan application process. You might also like to check the BPI Cash Loan offer.