List of BPI Housing Loan Requirements 2026 for Application
BPI HOUSING LOAN REQUIREMENTS 2026 – If you are a self-employed individual who wants to apply for the offer, here are the documents you must submit.
Are you a self-employed individual and you want to start the journey towards your dream house soon but you are hesitant that no offer might take you in? If that’s the case, you might have yet to check about the loan offers of the Bank of the Philippine Islands.
More popularly called BPI, the Bank of the Philippine Islands is in the service of the Filipino people since 1851 and it has earned the trust of countless Filipinos. It got a wide range of offers including savings and checking accounts, loans, credit cards, and even investment products.
There are several BPI loans that are open for both employed and self-employed individuals and one of them is the BPI Housing Loan offer. This finance product that is packed with excellent features and has helped countless Filipinos achieve their dream house sooner.
The BPI Housing Loan offer can finance the purchase of residential properties whether it is a vacant residential lot, a house and lot, a condominium unit, or a townhouse. You may also apply for it to fund a house construction, a home renovation, or the taking-out of an existing home loan from another loan provider to BPI.
Before checking on the qualifications in applying for the offer of the Bank of the Philippine Islands, it is best to first ensure that you are qualified to apply for the loan offer. Here are the qualifications set by the bank:
- 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
The BPI Housing Loan requirements vary among the employed and self-employed individuals who want to apply for the loan. If you are self-employed, here are the documents that you need to prepare and submit to the bank:
- 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
- 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
If you are self-employed and earning as a part-owner of a partnership or a corporation, the BPI Housing Loan requirements that you need to submit for the loan application should include the following documents:
- individual ITR
- Payroll account where claimed salaries are credit, with authorization letter to verify
The BPI Housing Loan requirements also include collateral documents. You need to prepare and submit the following to the bank to apply for the loan offer:
- 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)
You might also be interested to check out the BPI Cash Loan offer of the bank.