Kabayan Loan

Dagdag na budget para sa negosyo, tuition, or home renovation. Simple lang. 

Mga Benepisyo ng Kabayan Loan

Mag-loan up to ₱300,000

Pwede mag-loan ng ₱30,000
hanggang ₱300,000.

Easy Application

Simple at mabilis ang proseso
sa pag-apply ng loan.

Minimal Requirements

Walang required na collateral.

Learn more about Kabayan Loan

 
  • BDO at BDO Network Bank Kabayan Savings Account holder na may good savings behavior​
  • OFW at beneficiary
  • Up to 70 years old​
 
Basic Requirements:​
  • Completely filled out Kabayan Loan Application Form
  • One (1) valid government-issued ID​ 
  • BDO or BDO Network Bank Kabayan Savings Account​
  • Active postpaid or prepaid mobile number​
  • Complete home address in the Philippines​
​Additional Requirements For Non-Pre-qualified Clients only:​
  • Co-borrower​
  • Proof of income (e.g., payslip, bank statement, or other acceptable documents)​
  • Proof of employment (e.g., employment contract)​
  • Income Requirement​
    • Minimum gross annual income of ₱240,000 or its equivalent in USD
  • Employment Tenure Requirement​
    • Middle-skilled, skilled, or professional workers: At least 2 years of continuous employment​
    • Domestic or unskilled workers: At least 3 years of continuous employment​

​Note: Both Pre-qualified and Non-Pre-qualified clients remain subject to credit evaluation and approval.

Kung may katanungan tungkol sa inyong existing loan o kung kailangan ninyo ng karagdagang assistance, maaari kayong makipag-ugnayan sa aming Account Officers, bumisita sa pinakamalapit na BDO Network Bank branch o loan office, mag-message sa BDO Network Bank PH Facebook page, mag-email sa customerservice@bdonetworkbank.com.ph, o tumawag sa (+63919) 058-5000 o (+6382) 233-7777.

 
 

  • Edad 25 to 70
  • Proof of identity, residence, income and employment
  • OFW na may Kabayan Savings account for at least 6 months

Ang Kabayan Loan ay unsecured loan kaya hindi kailangan ng collateral para makapag-avail ng loan.

Maaaring makapag-loan hanggang 3x ng gross monthly income ngunit kinakailangang mag-submit ng mga proof of income upang ito ay ma-evaluate. Ipapaliwanag ito sa iyo ng aming BDO Network Bank Account Officer.

Kung i-pre-terminate ang loan, may one-time processing fee na ₱3,000 na kailangang bayaran regardless kung magkano ang outstanding balance. Maaaring ma-waive ang fee kung ang dahilan ng pagpre-terminate ay para makapag-avail ng bagong loan.

Ang DST ay required lamang sa mga loans na hihigit sa ₱250,000.

Maaaring makuha ang approved loan within one (1) day.

Ang inyong loan proceeds ay ike-credit sa inyong nominated BDO or BDO Network Bank Kabayan Savings or CASA account.

Maaaring mag-avail ng repeat loan kung fully paid na ang current Kabayan Loan. Maaari iyang i-discuss sa inyo ng aming BDO Network Bank MSME Account Officer.

Oo, maaaring mag-apply kung natutugunan ang required employment history:
Para sa skilled, middle-skilled, at professional workers:
  • Kung iisang employer lamang, dapat hindi bababa sa 2 taon na tuloy-tuloy na employment o kontrata.
  • Kung may naging 2 o higit pang employer, maaaring pagsamahin ang tagal ng employment basta:
    • Tuloy-tuloy ang employment history; at
    • Ang kabuuang tagal ng employment ay hindi bababa sa 2 taon.    
Halimbawa:
- 2024: 10 buwan
- 2025: 8 buwan
- 2026: 8 buwan
Kabuuan: 26 buwan (mahigit 2 taon)
 
  • Kung mas mababa sa 2 taon ang total employment, dapat mayroong history ng multiple employment/contracts:
    • 2025: first contract – 6 months + second contract – 3 months
    • 2026: current contract – 5 months
Para sa domestic helpers at unskilled workers:
  • Dapat hindi bababa sa 3 taong tuloy-tuloy na employment o kontrata sa kasalukuyang employer o manning agency.

Oo, maaaring mag-apply. Sundin lamang ang mga sumusunod:
 
• Loan application
Ipadala via email ang accomplished application form at required documents sa BDO Network Bank Sales Team na humahawak ng iyong account.
 
• Loan release
Bago ang loan release at pagpirma ng loan agreement documents, kailangan maipasa ang physical copy ng notarized SPA (if issued in the Philippines) o consularized/apostilled SPA (if issued outside the Philippines). Maaring humingi ng prescribed SPA template sa BDO Network Bank Sales Team na humahawak ng iyong account. 
 
 
Paano mag-apply ng Kabayan Loan

Gustong mag-apply ng Kabayan Loan?

personal-loan

Inquire Now

I-share ang iyong mga detalye at makikipag-ugnayan sa iyo ang aming BDO Telesales Officer gamit ang BDO official number na (02) 8840 7000 or bibisitahin kayo ng aming BDO Network Bank Account Officer.
personal-loan

Download Forms

I-download ang forms, i-fill out, at ipasa sa pinakamalapit na branch sa iyo. 

Contact us

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BDO Network Bank Head Office:

Km. 9, Sasa, Davao City, Davao Del Sur, Philippines

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BDO Network Bank Customer Service

Hotline: (+63) 82 233-7777
Mobile: (+63919) 058-5000 (accepts calls only)

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Bilang savings bank subsidiary ng BDO Unibank Inc., ang BDO Network Bank (BDONB) ay naniniwala sa kakayahang umasenso ng bawat miyembro ng komunidad sa Pilipinas. Patuloy ang BDONB sa paglilingkod sa mga komunidad na nangangailangan ng banking access. Naghahatid ito ng mga produktong pinansiyal na akma sa mga pangangailangan ng mga nasabing komunidad tulad ng loans, deposits, cash management, remittance, at bills payment services.

Mahalaga sa BDONB na dumami pa ang matulungang maiangat ang kabuhayan at mapabuti ang kinabukasan. Prayoridad ng BDONB na bigyang buhay ang financial inclusion sa bansa, sa paniniwalang ito ay susi sa pag-unlad ng pangkalahatan.

BDO Network Bank is regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph

For concerns, please reach us through any of the channels listed in the BDO Network Bank Consumer Assistance page.

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