What Are the Requirements of the BPI Home Loan?

Borrowers must submit 3 types of documents:

General Documents:
● Duly accomplished application form
● 2 Valid IDs
● If married, both spouses to sign on the application form
● If with co-borrower or co-mortgagor, a separate application form is needed

Income Documents:
If Locally Employed
● Certificate of Employment (COE) indicating salary, position and length of service
● Latest Income Tax Return (ITR) for the last 2 years

Self-Employed
● Articles of incorporation and by-laws with SEC registration certificate
● Audited financial statements for the last 2 years
● DTI or SEC Registration
● ITR w/ Statement of Assets and Liabilities (SAL) for the last 2 yrs
● List of trade references (at least 3 names with telephone nos. of major suppliers/customers)
● Bank statements for the past 6 months

If OFW
● Contract or Certificate of Employment (COE) authenticated by the Philippine Consulate
● Crew contract and exit pass validated by POEA (seaman)
● Proof of monthly remittances
● Notarized or authenticated Special Power of Attorney (SPA) in BPI FSB format

If Practicing Doctor
● Clinic address/es and schedule

Collateral documents:
● Photocopy of title
● Lot plan with vicinity map
● Photocopy of tax declaration