Check here the BPI Housing Loan Offer for New Home Acquisition
BPI HOUSING LOAN 2025 – Here are the excellent features of the offer of the Bank of the Philippine Islands that is ready to help you achieve your goals.
Most people dream of two things — to be driving a car that you can call your own and to live under your own roof. While a car and a house are indeed huge purchases, there are entities that are willing to help you achieve them.
In the country, there are trusted banks that are providers of home loans. One of the reputable banking entity with an offer that is packed with excellent features is the Bank of the Philippine Islands. It is operating in the Philippines for several decades now since 1851.
The Bank of the Philippine Islands provides several financial products for decades now — varieties of deposit and savings accounts, credit cards, loans, and many others. It also offers investment products as well as insurance policies.
With regards to the loan offers of the bank, aside from the Personal Loan or also called the BPI Cash Loan offer, the bank also has the BPI Housing Loan. It is open to finance a real estate property acquisition. You may purchase any of the following under the loan offer:
- House and Lot
- Townhouse
- Condominium Unit
- Vacant Lot
The bank has set a range of loanable amounts under the BPI loan offer but the actual borrowing amount is based on several considerations including the capacity of the client and the value of the property. Meanwhile, here are the minimum and maximum loanable amounts under the offer:
- Minimum Loanable Amount: Php 400,000.00
- Maximum Loanable Amount: Up to 90% of the value of the property
The maximum loan term under the Housing Loan offer is 20 years. With regards to the interest rate, there are varying interest rates depending on your chosen fixing period. Here’s a guide:
| 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% |
It is important to know that like in other housing loans, the Bank of the Philippine Islands require a downpayment. The advantage with the BPI Housing Loan offer is that it comes with a low downpayment.
BPI requires as low as 10% of the value of the property for the downpayment. The loan offer has a wide accessibility considering the number of BPI branches across the nation. There are even BPI branches abroad now.
The Housing Loan offer is open for both employed and self-employed individuals. Qualified Overseas Filipino Workers (OFWs) may also apply for the loan offer. Do you want to apply for the loan offer? Here is a guide on the documents that you must prepare based on your source of income: