Check Here the BPI Home Loan Requirements 2026 for Application
BPI HOME LOAN REQUIREMENTS 2026 – For self-employed individuals, here is a guide on the required documents in applying for the offer of the Bank of the Philippine Islands.
Are you a self‑employed individual looking for an access to funds for various reasons? Many people worry that loan programs are only designed for salaried employees — but that is not always the case. There are excellent financing options available for entrepreneurs and business owners. Some of these offers are those provided by the Bank of the Philippine Islands.
More popularly known as BPI, the bank is one of the country’s most established banking entities. It is trusted by millions of Filipinos both locally and abroad. Over the years, it has also built a solid reputation by offering a wide range of financial products.
BPI got savings and checking accounts to investment services, credit cards, and various loan offers. Among its loan offers is the BPI Home Loan offer.
The BPI Home Loan offer is ready to finance the purchase of residential properties which may include the following:
- vacant residential lot
- house and lot
- condominium unit
- townhouse
The offer is also ready to finance house constructions provided that you get approved by the bank after submitting a complete list of BPI Home Loan requirements as well as passing the qualifications set by the loan provider. It is open for:
- 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
For self-employed Filipinos who want to apply for the loan offer, here are the BPI Home Loan requirements that you must prepare:
- 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 you are earning as a part-owner of a partnership or a corporation, here are the the BPI Home Loan requirements that you prepare and include in applying for the offer:
- individual ITR
- Payroll account where claimed salaries are credit, with authorization letter to verify
Moreover, it is also important to know that the bank also require collateral documents. Here are the additional BPI Home Loan requirements that you must prepare in terms of the collateral:
- 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)
Head to a branch of BPI nearest to you to apply for the loan offer. Are you also interested to know about the BPI Cash Loan offer of the bank?