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| Product Features
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| Qualified Applicant:
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| Filipino, of legal age but not more than 65 years old upon maturity of the loan. Foreign nationals married to Filipinos should execute an Affidavit of Support and Waiver of Rights over the collateral property.
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| Loan Amount:
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Minimum of P400,000
Maximum of 70% of appraised value of vacant lot, house & lot, townhouse and residential condominium 80% of appraised value of house & lot not to exceed P5M (provided applicant is employed and purpose is for owner occupancy)
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| Loan Term:
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Maximum of 25 years for house & lot and townhouse
10 years for vacant lot and residential condominium
10 years for refinancing and multi-purpose loan
5 years for business loan
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| Interest Rate:
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| Fixed interest rates for 1, 2, 3, 5, 6 to 25 years
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| Collateral:
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| Registered first real estate mortgage
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| Gross Monthly Income:
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| Minimum of P40,000
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| Repayment Mode:
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| Equal monthly amortization of principal & interest
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| Payment Option:
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| Automatic debit arrangement (ADA) with any BPI or BPI Family Savings Bank Branch
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| Manner of Loan Release:
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| Lump sum and staggered release for construction purposes
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| Processing Period:
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| 5 days credit decision for loan amounts below P5M
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