Housing Loan for Construction
Design a home today and start building tomorrow. Begin the construction of your real estate property without any hassle.
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Benefits
Affordable

Enjoy low rates, down payment options as low as 10%*, and flexible payment terms of up to 20 years.

*Subject to the property appraisal report of the bank.

Easy to apply

Apply through any of the BPI branches nationwide or through the bank’s network of accredited brokers and developers.

Reliable

Start your new housing loan journey with us and we will guide you in every step of the way

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Quick guide

How to apply for a Housing Loan in the branch?


1. Go to any BPI branch.
2. Completely fill out the application form.
3. Submit the requirements. Your application will be reviewed and processed.
4. If your application is approved, you will receive an SMS notification and will be asked to visit the branch or a Loans Business Center
5. Sign the loan documents.​​​​​​​


How to apply for a Housing Loan online?


1. Completely fill out our Housing Loan online application form.
2. Submit the requirements. Your application will be reviewed and processed.
3. If your application is approved, you will receive an SMS notification and will be asked to visit the branch or a Loans Business Center
4. Sign the loan documents.

Housing Loan Application
Apply for a Housing Loan and move in to your dream home.
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Frequently asked questions

What activities are eligible for housing loan construction?

1. House construction on a vacant lot
2. House construction after demolishing an existing structure
3. House construction and lot purchase combined

What are the rates for Home Construction?


​​​​​​
​​​​​​​Rates effective as of November 10, 2022
The above are indicative rates for new loan applications. Applicable repricing interest rate will apply for existing borrowers.

What are the qualifications to apply for a Housing Loan?

1. You have to be at least 21 years old but not more than 65 years old upon loan maturity
2. The minimum household income should be Php 40,000

What is the minimum and maximum loan amount?

Minimum Loan Amount: Php 400,000
Maximum Loan Amount: Up to 90% of property value

What is term of the loan?

Minimum Loan Term: 1 year
Maxium Loan Term: Up to 20 years

What are the requirements to apply and avail of a loan?

You may view the list of requirements here.

Who can I contact if I have questions about BPI Housing Loan?

Who can I contact for any inquiries or concerns?

For inquires and comments, send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.

Related information

Housing Loans Self Assessment

Know if you're ready to own your dream home.

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Housing Loan Payment Solutions

Check out our affordable payment options to own your dream house.

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List of Requirements

Any inquiries/questions regarding your loan? Click our Help & Support site a Housing Loan and move in to your dream home.

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