BPI Family Housing Loans

22 April 2015 | Buffalo Grill, Cagayan de Oro City

CONFIDENTIAL
Product Types
A. Housing Loan

Acquisition
 Vacant Lot
 House & Lot
 Townhouse
 Condominium

House Construction
Home Improvement/Renovation
Loan Take-outs / Refinancing

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Product Types
B. Property Equity Loan

 Working Capital
 Construction/Improvement other than Collateral
 Acquisition of Lot / House & Lot / Condo other
than Collateral
 Personal Consumption

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Product Features

A. Qualified Applicants

- Filipino, of legal age but not more than 65 years

old upon loan maturity
- Individuals, both salaried & self-employed with
monthly income of 40K at least
- Foreign nationals married to Filipinos
- Dual Citizens (RA 9225)
- Naturalized Foreigners (BP 185)

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Product Features

B. Loan Amount

Maximum 80-90% of:

 Total Selling Price
 Total Appraised Value

Note: This is applicable if purpose is for occupancy.

For investment purposes, LCR will be 70%.

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Product Features

C. Loan Term
20 years – Locally Employed
15 years – Self-employed / Business Entities
10 years – Overseas Filipino Workers

D. Loan Rates
- Rate fixing option of 1,2,3,5,10 and 15 years; yearly re-
pricing thereafter.

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Rates as of April 2015

Published Rates can be viewed at

www.bpiexpressonline.com
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Requirements:

• Basic Documents
Duly Accomplished Application Form
Valid Government-issued ID of Borrower and Co-Borrower
Marriage Certificate, IF MARRIED
Certificate of No Marriage, IF SINGLE

• FOR EMPLOYED INDIVIDUALS

Latest Income Tax Return
Latest 3 months Payslips
Latest Certificate of Employment
Note: indicating salary, position, and length of service

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Requirements:
• FOR BUSINESS ENTITIES
 Latest Income Tax Return
 Latest Audited Financial Statements
 DTI Registration and/or Mayor’s Permit, IF SINGLE PROPRIETORSHIP
 SEC Registration, Articles and By-Laws, updated General Information
Sheet (GIS), IF CORPORATION/PARTNERSHIP
 Latest 6 months Bank Statements (working account)
• FOR SELF-EMPLOYED INDIVIDUALS
IF EARNING FROM RENTAL INCOME - Photocopy of Title and Lease Contract
(indicating full addresses of properties rented out, name of tenants and rental amounts),
IF EARNING FROM TRANSPORT BUSINESS - OR/CR, LTFRB Franchise and
Mayor’s Permit,
IF EARNING FROM COMMISSION – latest 6 months proof of commission /
Voucher
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Requirements:
• FOR OVERSEAS FILIPINO WORKERS
 COE or Contract indicating salary, position, and tenure, IF LOCAL HIRE
 English translated COE with latest 1 month payslip or Contract
 authenticated by Philippine Consulate, IF DIRECT HIRE
 Oath of Allegiance from the Philippine Embassy, IF DUAL CITIZEN
 Loan Administrator with address, contact no., and relationship to
 borrower, IF UNABLE TO PERSONALLY SUBMIT REQUIREMENTS
 Consularized Special Power of Attorney, IF UNABLE TO SIGN THE LOAN
 DOCUMENTS IN THE PRESENCE OF A BANK OFFICER IN THE
 PHILIPPINES
 Latest 6 months Proof of Remittance / Bank Statements

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Collateral Documents
• FOR ACCREDITED PROJECTS
 Signed Contract to Sell
 Endorsement Letter with Official Computation Sheet
 Signed Statements of Account with complete details

• FOR NON-ACCREDITED PROJECTS / INDIVIDUAL SELLER

 2 clear copies of TCT/CCT
 Location / Vicinity Map
 Photocopy of Tax declaration, Tax receipts, and Tax clearance
 Non-refundable appraisal fee

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Collateral Documents
• FOR CONSTRUCTION LOANS
 Building Plan (complete set)
 Bill of Materials / Specifications / Cost Estimates
 Scope of Work
 Building Permit

• FOR TAKE-OUT LOANS / REFINANCING

Latest Statement of Account from creditor bank
Proof of payment for the last 6 months

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Fees to paid

• Appraisal & Title Verification Fee

• Bank’s Handling & Processing Fee
• Mortgage Registration Fee
• Documentary Stamps Tax
• Notarial Fee
• Fire Insurance Premium
• Mortgage Redemption Insurance

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Kayang Kaya Pabahay Program

• This program aims to cover Socialized Housing Projects.

Loanable amount up to 95%

Loan term up to 30 years
Maximum Loan amount of Php 3 Million
Minimum loan amount of P 300,000

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Qualifications

1. Client should be 1st time home buyer - for owners occupancy

2. Subdivided title should be available under developers name
3. Gross Monthly Income of at least P 20,000
4. Permanent employee or Business operating for more than 2
years.

*subject to evaluation and client profile.

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Brokers Circle

Instant rewards
• 1% of loan amount

• Quarterly Treats

• Top Producer per quarter exclusive and delightful treat with

BPI Officers

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2014 TOP 3 BROKERS

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Special Awards

• Top broker per business Center with the highest Total Loan
Amount of booked Loans of at least P 10M for the year will be
rewarded with P 15,000

• Top broker per business Center with the highest Total number
of booked Loans of at least 5 accounts for the year will be
rewarded with P 10,000

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Special Awards

PLUS!
Every 1 Million Pesos Booked will give you a raffle ticket for a
chance to win splendid prizes at annual Raffle.

1st Prize P 25,000

2nd prize P 15,000

3rd Prize P 10,000

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 Special Awards
Annual Rewards
Platinum Award - P 1,000,000
Top Broker nationwide

Gold Star - P 200,000

Silver Star - P 150,000

Bronze Star - P 100,000

* May come form either Metro Manila or the Provincial Area.

* Brokers with at least P 25 M in totalm booked amount
* Top 3 brokers among all Business Centers nationwide will win the Gold, Silver, and Bronze stars respectively.

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 Special Awards

Dazzling Star - P 100,000

Top broker from among all Busines Centers Nationwide with the
Highest Number of Booked Loans ( min 10 account )

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 TOP 3 BROKERS
FIRST QUARTER
OF 2015

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 HARVEY TAWAKAL
Referred: P4,744,534.00

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 JANICE CASERIA
Referred: P3,718,537.20

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 JCA REALTY
Referred: P3,218,758.00

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 Congratulations
!!!

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Visit us. . .

Cagayan de Oro Business Center

2nd Floor BPI Lapasan Branch C.M. Recto Avenue,
Lapasan, Cagayan de Oro City 9000

Tel 856 2902 / Mobile 0917 577 5584

Account Officer - Mark Sumido

Marketing Assistants:
Gwyn Molion
Roy Estenzo

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 THANK YOU!

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