Check Here the BPI Home Loan Requirements 2026 for Application
BPI HOME LOAN REQUIREMENTS 2026 – For overseas Filipinos workers (OFWs) who want to apply for the offer, here is a guide on the required documents in applying for the offer of the Bank of the Philippine Islands.
Many Filipinos took a chance to work abroad in search of better opportunities and higher pay. Undeniably, for most Overseas Filipino Workers (OFWs) who spend their years away from their loved ones, owning a home is a lifelong dream they wish to achieve. While limited budgets have often kept this dream out of reach, there are now institutions that are ready to help the OFWs fulfill that dream.
In the Philippines, one of the most trusted banks that OFWs can turn to is the Bank of the Philippine Islands or more popularly called BPI. With a wide range of financial products which includes savings and checking accounts, loans and credit cards, BPI has long been a reliable partner for many Filipinos in and out of the country.
Some BPI branches are even operating even on Saturdays. Thus, their services are really accessible. Below, you’ll find the BPI Home Loan requirements for OFWs who wish to apply for the offer of the bank.
Before reviewing the BPI Home Loan requirements, it’s important to know the purposes this loan can cover. You may apply to finance any of the following:
- The purchase of a residential property
- House construction
- Home renovation
The BPI Housing Loan is available not only to locally-employed and self‑employed Filipinos but also to OFWs. To qualify, the applicants must meet the following criteria:
- A Filipino citizen or a foreigner married to a Filipino citizen
- At least 21 years old at the time of application and not older than 70 years upon loan maturity
- With sufficient income
There are different sets of BPI Home Loan requirements depending on whether you are locally-employed, self‑employed, an OFW, or a pensioner. For OFWs who want to apply for the offer, the following documents are required:
- Duly accomplished BPI Housing Loan Application Form
- Two (2) valid Identification Cards, which may include:
- Philippine National ID (PhilID/ePhilID)
- Company IDs issued by BSP, SEC, or IC‑regulated entities
- 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 ID
- PRC ID
- Senior Citizen ID
- SSS ID
- TIN ID
- UMID
- Voter’s ID
- Latest employment contract, with authorization letter for verification
- Proof of bank remittance, with authorization letter for verification
- Details of crewing manager (for seafarers)
- Attorney‑in‑Fact or loan administrator (preferably a next of kin), including full name, contact details, mailing address, and valid government IDs
The BPI Home Loan requirements also include collateral documents. These must be prepared and submitted as part of the application:
- Photocopy of Owner’s Duplicate Copy of the Condominium Certificate of Title or Transfer Certificate of Title (as applicable)
- Photocopy of updated Tax Declaration, Tax Clearance, and Tax Receipt
- Photocopy of notarized Contract‑to‑Sell or Offer‑to‑Sell from the registered property owner (for private sellers)
- Signed Authorization Letter for Tax Mapping and Property Inspection (for secondary market properties)
- Photocopy of notarized Contract‑to‑Sell, Letter of Endorsement, or Official Computation Sheet from developers (for accredited developer tie‑up properties)
- Non‑refundable appraisal fee of ₱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, and Scope of Work/Cost Estimates (for construction loan)
To apply for the Home Loan offer of BPI, visit the nearest branch of the bank and submit your documents. Have you also heard about the BPI Cash Loan offer?