Guide on BPI Housing Loan Requirements 2026 for Application
BPI HOUSING LOAN REQUIREMENTS 2026 – If you are a pensioner who wants to apply for the offer of the Bank of the Philippine Islands, here are the documents you must submit.
Owning a house now after you hit 60 is no longer impossible. There are a few trusted entities that have actually crafted offers that are open even for those who are already in their senior years. It is not too late to achieve your dream house and live comfortable.
In the Philippines, one of the reputable banking entities with a housing loan offer that is open even for pensioners if the Bank of the Philippine Islands. The private banking company has earned the trust of millions of Filipinos for providing excellent services for several decades now since 1970s.
BPI has a wide range of offers. While its credit cards offers include the BPI Debit Mastercard, its loan offers include the BPI Housing Loan that is ready to finance the purchase of vacant residential lots and real-estate properties, a house construction, as well as a home renovation. There is a unique set of BPI Housing Loan requirements for pensioners which you can check below.
Before checking on the specific BPI Housing Loan requirements for application, it is best to first check on the eligibility criteria for application. To qualify for the loan offer, the loan applicant must be:
- 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
As mentioned, there are varying BPI Housing Loan requirements for application. If you are a pensioner, here are the documents that you need to prepare and submit to the banking entity 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
- Certificate of Pension, with authorization letter to verify
- Bank statements of pension account, with authorization letter to verify
- SSN
The BPI Housing Loan requirements include collateral documents or those that pertain to the property involved in the loan transaction. Make sure you prepare and submit the following for the loan application:
- 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)
Aside from the loan offer, the Bank of the Philippine Islands also has the BPI Cash Loan offer.