BPI home loan, applied for you — by Nook
BPI is one of the 20+ banks on Nook's lending panel. Pre-qualify in 3 minutes and a dedicated loan expert prepares your entire BPI home loan application, submits it and chases the bank for you — completely free.
Get a BPI home loan without dealing with the bank
The Bank of the Philippine Islands is one of the country's oldest and most trusted lenders, and a popular choice for housing finance — but applying directly still means branch visits, paperwork and weeks of follow-up. With Nook, you don't apply for your BPI home loan; we do the whole thing for you.
Nook is the Philippines' original and award-winning mortgage broker — awarded Best Mortgage Broker Philippines. When you pre-qualify, a dedicated Nook loan consultant is assigned to you. They prepare your BPI application, collect and check your documents, lodge everything with the bank and handle every back-and-forth until you're approved. You never fill in a bank form or queue at a branch.
Crucially, Nook doesn't only look at BPI. We compare BPI against 20+ banks at the same time, so you can see whether BPI gives you the sharpest rate and the best chance of approval — or whether another lender on the panel fits you better. You stay in control; we carry the work.
It's 100% free to you. Banks, including BPI, pay Nook a commission only once your loan is released — so expert brokering costs you nothing.
Why borrowers choose BPI through Nook
- One dedicated expert manages your whole BPI application end to end
- BPI compared against 20+ banks so you don't overpay
- No branch visits — the entire process is handled online and over chat
- Support every day from 9:00am to 9:00pm, including for OFWs abroad
- Completely free — BPI pays Nook, not you
BPI home loan options Nook can arrange
BPI home loans can finance a residential lot, house and lot, residential condominium, townhouse, apartment or residential building. Nook matches your goal to the right BPI product — or to another bank if it suits you better.
Property acquisition
Buy a house and lot, townhouse, condo or apartment with a BPI acquisition home loan.
Refinancing
Move an existing loan to BPI to chase a better rate — Nook handles the full takeout for free.
Construction & improvement
Finance building on a lot you own, or renovate and improve an existing home.
Home equity
Unlock the value in a property you already own for other major needs.
BPI home loan terms at a glance
The figures that shape a BPI housing loan — Nook confirms the current ones for your situation before you apply.
Minimum loan amount
Borrow from a minimum of ₱400,000, up to 80% of the property's appraised value — down payment options as low as 10%.
Loan terms
Up to 25 years for a house and lot, and up to 10 years for a vacant lot or condominium unit.
Approval speed
A loan decision in as fast as 2–5 days once your application is complete.
Who can apply
Filipino citizens, or a foreigner married to a Filipino; of legal age but not over 65 at loan maturity; combined household income of at least ₱40,000.
Understanding BPI home loan interest rates
Here's how BPI pricing actually works — and how Nook makes sure you get the best one available.
BPI has promoted its home loan under the banner "5678" — a 5-year fixing period at a 6.7% promo interest rate, with up to ₱80,000 in bank fees waived (₱1,000 in free bank fees for every ₱1,000,000 of loan). That promo ran until 30 June 2025, with loan booking on or before 30 September 2025, so it's a dated offer — Nook always confirms BPI's current pricing for your specific situation before you proceed.
BPI home loan rates are generally offered as a fixed rate for a period you choose, after which the loan moves to a repricing rate. Your final rate also depends on the loan amount, the property and your income profile.
Because advertised rates move and the lowest one isn't always the best fit, Nook checks BPI's current pricing for your specific situation and compares it against 20+ banks at once. You see the real numbers side by side and only proceed with BPI if it genuinely wins. This is the same free comparison Nook runs for every client.
How to apply for a BPI home loan with Nook
Pre-qualify
Answer a few questions at flow.nook.com.ph and see your options in about 3 minutes.
We match you
Nook compares BPI against 20+ banks and confirms your best-fit lender.
We do the legwork
Your BPI application, documents and bank follow-ups — all handled for you.
Get approved
Move into your home faster, with Nook beside you the whole way.
BPI home loan questions, answered
Can I get a BPI home loan through Nook?
Yes. BPI (Bank of the Philippine Islands) is one of the 20+ banks on Nook's lending panel, so you can apply for a BPI home loan through Nook for free. Nook prepares your full application, submits it to BPI and handles every follow-up for you — and at the same time compares BPI against the other banks so you only proceed if BPI is genuinely your best-fit lender. You never have to deal with the bank directly or visit a branch.
What is the interest rate on a BPI home loan?
BPI has promoted its home loan under the "5678" banner — a 5-year fixing period at a 6.7% promo interest rate, with up to ₱80,000 in bank fees waived (₱1,000 free for every ₱1,000,000 of loan). That promo ran until 30 June 2025 (with loan booking on or before 30 September 2025), so it's a dated offer. BPI rates are otherwise offered as a fixed rate for a term you choose before the loan moves to a repricing rate, and depend on the loan amount, property and your profile. Nook confirms BPI's current pricing for your situation and compares it against 20+ banks at the same time, so you can see whether BPI or another lender gives you the sharpest rate.
How do I apply for a BPI housing loan?
The easiest way is to pre-qualify with Nook in about 3 minutes at flow.nook.com.ph. Answer a few questions and a dedicated Nook loan consultant prepares and lodges your BPI housing loan application, gathers your documents and chases BPI for updates until you're approved. You don't fill in bank forms or queue at a branch — Nook does the whole application for you, and it's 100% free because BPI pays Nook a commission only once your loan is released.
Who is eligible for a BPI home loan in the Philippines?
BPI home loans are open to Filipino citizens, or a foreigner married to a Filipino citizen, who are of legal age but not more than 65 years old upon loan maturity and have a combined household income of at least ₱40,000. This covers employed and self-employed borrowers as well as OFWs and Filipinos abroad who can show stable income. Nook works with locally employed borrowers, business owners and overseas Filipinos every day. If BPI's criteria don't fit your situation, Nook simply matches you to another bank on its panel that does — at no cost to you.
Start your BPI home loan in 3 minutes.
Pre-qualify free and let a dedicated Nook expert handle the entire BPI application for you. Prefer to talk it through first? Chat to a live agent any day, 9am–9pm.
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