BPI MyBahay
Your family dream home now made affordable and within your reach with low downpayment and longer payment terms. Plus, earn interest rebates when you pay on time.
Program Highlights
As low as 5% downpayment

Your equity can be as low as 5% of property’s appraised value or total contract price, subject to developer tie-up program.

Easy application, Fast processing

Head to any of BPI’s over 1,000 branches nationwide to start planning when you can move in.

30 year loan term

Stretch your payment period to as long as 30 years for lower monthly amortization.

Automatic Debit Arrangement

Sign up for automatic debit arrangement for worry-free payments.  You can also pay online, via GCash or at BPI payment centers.

Earn 2% interest rebates

A first from BPI MyBahay - pay on time and get 2% rebate on interest payments every year.

Apply starting with Php 25,000 monthly income

Lower income requirement - families with gross monthly income of Php 25,000 and higher are welcome to apply.

Program Mechanics

BPI MyBahay provides opportunity for Filipino middle-class households to own a home which requires minimum downpayment and flexible loan term, making home ownership more affordable and possible.

All residential properties, excluding vacant lots, are allowed; however, limited to a maximum collateral value (i.e. Total Contract Price or Total Appraised Value) of Php 3,000,000 only.

Program Features

1. Minimal cash out of 5% versus the bank’s total appraised value of collateral or the total contract price, subject to developer tie-up program of the bank.

2. Longer repayment term of 30 years.

3. Interest rebate (2% of total interest paid) every loan anniversary, if borrower incurred no late payments.

4. Minimum gross household income requirement of Php 25,000.

5. Allowed loan purpose are for acquisition and occupancy of real estate property or refinancing (loan take-out) only.

BPI MyBahay vs. BPI Housing Loan

Regular Housing Loan 

BPI MyBahay

GMI Requirement

Php 40,000 

Php 25,000 

Loanable Value

Up to 90% of appraised value or Total Contract Price*

Up to 95% of appraised value or Total Contract Price*

Maximum Loan Term

Maximum 20 years

Maximum 30 years

* subject to bank’s developer tie-up program

Customer Support


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

Related Information

Housing Loan Payment Solutions

Check out the 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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