Program highlights
green check icon

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.

green check icon

Easy application, fast processing

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

green check icon

30 year loan term

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

green check icon

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.

green check icon

Earn 2% interest rebates

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

green check icon

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.

Promotion 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.

List of requirements

Click our Help & Support site for any inquiries/questions regarding your housing loan.