Benefits
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Fixed monthly installments

Pay your hospital expenses in fixed monthly installments.

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Low add-on rate

Get as low as 0.75% monthly add on rate for 36 months.

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Fast processing

Have your application processed in as fast as 5 banking days.

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Use 100% of your available limit

Avail up to 100% of your credit limit.

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Real 0% Special Installment Plan (SIP)

Get additional credit limit for your installment transactions with your BPI Credit Card.
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SIP with Monthly Add-On

Pay for your purchases at low monthly installment add-on rate at our partner merchants.
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Special Installment Plan at Partner Health and Wellness Merchants

Enjoy a special installment plan of up to 24 months with our health, wellness, hospitals, clin
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BPI Real Deal with Ogawa

Get a free UV sterilizer box worth Php 2,000 and enjoy up to 40% off on select items with your
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Special Installment Plan at Partner Home Improvement Merchants

Enjoy Real 0% installment of up to 12 months on insurance premiums with our partner merchants
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BPI Promotions

Check out the latest offers, deals, and discounts when you shop using your BPI Card.
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Rates

Term

Monthly
AOR

Factor rate

EIR PA

3

1.00%

0.343333

17.91%

6

1.00%

0.176667

20.29%

9

1.00%

0.121111

21.11%

12

0.75%

0.090833

16.22%

18

0.75%

0.063056

16.42%

24

0.75%

0.049167

16.43%

360.75%0.035278

16.24%

Notes:

  • Effective Interest Rate (P.A) of 21.01% on 36-month term.
  • A service fee of Php 300 will be charged for each S.I.P. Loan Availment. This fee will be reflected in the succeeding statement of account.
  • Rates are effective November 3, 2020 until further notice in compliance with BSP Circular 1098.

 

Sample interest computation for S.I.P. for Hospital

Loan amount: Php 20,000.00
Term: 12 months
Add-on rate (per month): 1.00%
Effective interest rate (per month): 1.79%
Factor rate: 0.037678
Monthly amortization: Php 1,866.67
Total interest: Php 2,400

MonthS.I.P. Loan Monthly amortization  Interest Principal paymentsOutstanding principal balance
0     20,000 00       20,000.00
1          1,866.67357.62       1,509.05       18,490.95
2          1,866.67330.64       1,536.03       16,954.92
3          1,866.67303.17       1,563.50       15,391.43
4          1,866.67275.21       1,591.45       13,799.97
5          1,866.67246.76       1,619.91       12,180.06
6          1,866.67217.79       1,648.88       10,531.19
7          1,866.67188.31       1,678.36         8,852.83
8          1,866.67158.3       1,708.37         7,144.46
9          1,866.67127.75       1,738.92         5,405.55
10          1,866.6796.66       1,770.01         3,635.53
11          1,866.6765.01       1,801.66         1,833.88
12          1,866.6732.79       1,833.88                0.00

Avail S.I.P. for Hospital now

Simply visit any BPI branch near you.

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