Mga Benepisyo ng Pabahay Loan
Mataas na Loan Amount​
Mag-loan up to 90% of the appraised property value.​
Affordable Monthly Installment​
Bayaran ng up to 20 years ang loan amount.
Accessible Nationwide
Serving Filipinos in rural and remote communities across the country.
Learn more about Pabahay Loan
- 21 years old at the time of loan application and not older than 70 years old at loan maturity
- With at least ₱50,000 gross monthly family income from:​
- Employment/OFW (regular employee status)
- Business (at least 2 years in operation)​
- Completely filled out Pabahay Loan Application Form
- 2 Valid IDs
- Proof of billing residence
- Marriage Contract, if applicable
- Latest 3 months payslips
- Latest Certificate of Employment with Income (COEI)
- Latest Income Tax Return (ITR) or BIR Form 2316
- Proof of business registration
- Bank statement for the last 3 months for non-BDO accountholder
- Audited Financial Statement (AFS) for the last 2 years
- Income Tax Return (ITR) for the last 2 years
- Latest proof of remittance for the last three months – must be duly verified with the remittance company, remitting bank, or a BDONB/BDO branch if via CASA.
- Latest 3 months payslips
- Latest Certificate of Employment with Income (COEI)
- Latest crew contract, if sea-based
- TCT/CCT
- Tax Declaration
- Tax Clearance
- Building plan and specifications (for house construction)
- Bill of materials (for house construction)
- Copy of official receipt for appraisal fee
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Kung may tanong o kailangan ng assistance, maaaring 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.
Oo, maaari kang magdagdag ng co-borrower para ma-attain ang ₱50,000 gross monthly family income. Ang qualified na co-borrower ay hanggang 2nd degree of consanguinity or affinity.
Maaaring gamitin ang proceeds ng Pabahay Loan para bumili, magpatayo, o magpaayos ng bahay. Maaari rin itong gamitin para sa ibang pangangailan katulad ng edukasyon, medical, investment, at kahit home loan refinancing.
Ang appraisal fee ay depende sa location ng property.​
  - Within a 30 km. radius from BDONB or BDO branch -  ₱5,000​
  - Outside a 30 km. radius from a BDONB or BDO branch -  ₱7,500​
  - Outside 60 km. radius from a BDONB or BDO branch -  ₱10,000
Makikita ang updated na interest rates ng Pabahay Loan dito.
Oo.
Ang appraisal fee ng magkatabing properties ay ₱500 per additional title. Sa magkaibang lokasyon, ang karagdagang fees ay naaayon sa naturang lugar nito:​
  - Within a 30 km. radius from BDONB or BDO branch -  ₱5,000​
  - Outside a 30 km. radius from a BDONB or BDO branch -  ₱7,500​
  - Outside 60 km. radius from a BDONB or BDO branch -  ₱10,000
Ang appraisal fee ay kailangang bayaran upon loan application para maisagawa ang field appraisal.​
Maaaring ma-refund ang appraisal fee kung na-cancel ang application at wala pang naganap na field appraisal inspection.​
- Usage/Classification -Â residential or mixed used
- Property Type - house and lot, vacant lot, townhouse, condominium
- ₱5,000 service fee​
- Insurance if client has no existing insurance policy​
- Documentary Stamp Tax (DST) – ₱1.50 for every ₱200 of the approved loan amount
- Registration fees (variable to be computed once approved)​
- All of the above can be deducted from the loan proceeds.
- Inspection fee applicable for construction loan - P1,500 per inspection
- Contractor's All-Risk Insurance (CARI) - based on the amount of building materials and occupancy
Automatic Debit Arrangement (ADA). Kailangang i-maintain ng client ang kanyang BDO Network Bank checking/savings account balance na naka-register sa ADA.
Oo. Maaari ninyong gawing collateral ang inyong bahay upang makakuha ng dagdag na pondo na maaaring gamitin sa pagbili o pagpapatayo ng bagong bahay, pagpaparenovate ng kasalukuyang tirahan, pagbili ng property para sa investment, o iba pang personal na pangangailanga
Oo. Maaari kayong mag-avail ng Pabahay Loan para makapagpatayo ng bahay sa inyong lote.
Gustong mag-apply ng Pabahay Loan?
Contact us
BDO Network Bank Head Office:
Km. 9, Sasa, Davao City, Davao Del Sur, Philippines
BDO Network Bank Customer Service
Hotline: (+63) 82 233-7777
Mobile: (+63919) 058-5000 (accepts calls only)
Email: customerservice@bdonetworkbank.com.ph
Facebook Page: https://www.facebook.com/BDONetworkBankPH
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.
