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| Checklist of Requirements
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| Pre-processing Requirements
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| A.
| Borrower Information
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| Duly accomplished application form
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| 2 valid identification cards
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| B.
| Income Documents
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| If locally employed
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| Certificate of Employment (COE) indicating salary, position & length of service
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| Income Tax Return (ITR) for the last 2 years or W2
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| If Expat Pinoy (Overseas Filipino Worker)
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| Certificate of Employment duly authenticated by the Philippine Consulate
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| Crew Contract & Exit Pass from POEA (for seafarers)
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| Proof of monthly remittances
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| Notarized or authenticated Special Power of Attorney (BPIFSB format)
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| If Self-Employed
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| Articles of Incorporation/By-laws/SEC Registration
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| Audited Financial Statements for the last 2 years
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| Department of Trade & Industry (DTI) Registration
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| ITR with Statement of Assets & Liabilities (SAL) for the past 2 years
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| Bank statements for the last 6 months
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| List of Trade References (at least 3 names with contact nos. of major suppliers/customers)
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| If Practicing Doctor
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| Clinic address/es and schedules
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| If from Commission
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| Vouchers or bank statements (for the last 6 months reflecting commission income)
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| If from Rental of Properties
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| Rental/Lease contracts (indicating name of tenants & rental amounts with complete addresses of properties being rented)
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| Photocopy of Transfer Certificate of Title (TCT) &/or Condominium Certificate of Title (CCT)
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| C.
| Collateral Documents
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| Clear copy of owner's duplicate of TCT/CCT
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| Lot/Vicinity map certified by geodetic engineer
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| Photocopy of tax declaration/tax receipts/tax clearance
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| Endorsement letter/computation sheet/contract to sell from developer stating the contract price (for accredited developer project)
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| For Construction Loan
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| Complete set of building plan
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| Bill of materials/specification/cost estimates
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| Building permit
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| Refinancing of Loan
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| Statement of account from mortgage lender
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| Proof of payment for the last 6 months
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| D.
| Fees
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| Non-refundable appraisal fee of P3,000
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| Post Approval Requirements
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| Original owner's copy of TCT/CCT
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| Certified true copy of the latest Realty Tax Declaration on land and improvements under the name of the borrower/mortgagor
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| Original copy of latest Real Estate Tax Clearance
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| Health Declaration form (supplied) for MRI enrollment with Ayala Life
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| Medical examination with Ayala Life, if applicable
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| Fire/Lightning/Earthquake insurance coverage through BPI-MS, if applicable
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| Opening of deposit account with any BPI or BPI Family Savings Bank
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| For Corporate borrowers, Board Resolution/Secretary's Certificate (form supplied), if applicable
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| Four copies of Special Power of Attorney, if applicable
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| Fees
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| Mortgage Registration Fees
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| Mortgage Redemption Insurance Premium
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| Fire/Lightning/Earthquake Insurance Premium
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