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BPInoy Seafarer's Home Loan

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BPInoy Seafarer's Home Loan

Post  cadeteng_very_brave on Mon Apr 05, 2010 2:18 am

Owning your own home is now within your reach through the BPInoy Seafarer's Home Loan Program .

Find out more!


1. What is the BPInoy Seafarer's Home Loan Program?


The BPInoy Seafarer's Home Loan Program was especially packaged by BPI Direct in partnership with its accredited Manning Agency clients for qualified seafarers and employees. Through this Program, you are assured of low interest rates, easy-on-the pocket loan amortization, speedy loan processing and worry-free loan payment even during off-board months. We even tied-up with accredited real estate developers to make available properties that are of the highest quality, yet very affordable.

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2. What does accredited agency mean?


An accredited Manning Agency is one with an existing Allottee Payroll Remittance Agreement with BPI. This means that your allotments are coursed through BPI.

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3. What is meant by off-board months?


These are the months in a year when you do not have an active contract with any shipping company.

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4. How can BPI Direct help me pay my monthly amortization during these off-board months?


This is what is special about the BPInoy Seafarer's Home Loan Program. Your payment schedule was programmed such that the monthly payments you make during your contract period are sufficient to answer for the required monthly payments during your off-board months.

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5. Who are qualified to apply for this type of loan?


Seafarers and employees of Manning Agencies with an existing Allottee Payroll Remittance Agreement with BPI are qualified to apply for this loan. You should not be over 60 years old and earning a minimum monthly salary of P40,000.00.

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6. What are the pre-processing documentary requirements?


For seafarers - Certificate of Employment from your Manning Agency and your POEA-authenticated contract.


For Manning Agency employees - Certificate of Employment indicating annual salary and position

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7. What are the loan terms available?


Loans are payable for a minimum of 5 years and a maximum of 15 years.

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8. What is the interest rate?


We guarantee that your loan rates will be one of the lowest in the market.

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9. What is the minimum loanable amount?


The minimum loanable amount is P400,000.00.

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10. My spouse is unemployed, will I still qualify for the Program?


Yes, you can still qualify as long as your minimum monthly salary is P40,000.00.

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11. Can a property located outside of Metro Manila still qualify for this loan program?


Yes, BPI Direct will process loans for properties outside of Metro Manila.

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12. Who are your partner real estate developers? Can I purchase a property from other developers?


Currently, our partners are Avida Land and Ayala Land. Yes, you can purchase a property from other developers and still qualify to apply for the BPInoy Seafarer's Home Loan.

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13. How can I apply for the BPInoy Seafarers Home Loan Program?


Simply log on to www.bpidirect.com and choose Learn More under Loans. You may also call BPI Express Phone 89-100.

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