Why choose BDO Home Loan
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Application requirements
- At least 21 years old but not exceeding 70 years old at the end of the loan term
- Filipino citizen or Foreign Nationals
- Minimum gross family income of ₱50,000/month or its equivalent in foreign currency
- With stable source of income from employment or business
- Locally Employed: at least 2 years with current company
- Self-Employed: at least 2 consecutive profitable years of operation
- Employed Abroad: 2-3 years consecutive employment. Assignment of Beneficiary as Loan Administrator if not in the Philippines at the time of application
Get Pre-qualified
Click here to fill-out and submit your personal and financial information and know the BDO Loan terms that you may qualify for.
• Completely filled-out application form
INCOME DOCUMENTS
- Bank Statement, non-BDO Account
- Audited Financial Statements for the last two (2) years
- Latest proof of remittance for the last three (3) months
- Latest three (3) months payslips
- Latest Certificate of Employment with Income (COEI)
- Latest Crew Contract, if sea-based
COLLATERAL DOCUMENTS
If property is from a Developer accredited with BDO
- Contract to Sell (CTS)
- Photocopy of TCT/CCT and/or Contract to Sell (CTS)
- Photocopy of Tax Declaration
- Authorization of Tax Mapping signed by present owner
- Copy of payment for Appraisal Fee
- Photocopy of TCT
- Photocopy of Tax Declaration
- Building Plan
- Building Specifications
- Copy of payment for Appraisal Fee
(For submissions, whichever is applicable). Click here.
• Completely filled-out application form
• Photocopy of one (1) valid ID matching application details
• Marriage Contract, if applicable
INCOME DOCUMENTS
Locally Employed (any of the following)
- Latest three (3) months payslips
- Latest Certificate of Employment with Income (COEI)
- Latest Income Tax Return (ITR)
- Certificate of Business Registration from SEC, if applicable
- Bank Statement, non-BDO Account
- Audited Financial Statements for the last two (2) years
- Latest proof of remittance for the last three (3) months
- Latest three (3) months payslips
- Latest Certificate of Employment with Income (COEI)
- Latest Crew Contract, if sea-based
COLLATERAL DOCUMENTS
If property is from a Developer accredited with BDO
- Contract to Sell (CTS)
- Photocopy of TCT/CCT and/or Contract to Sell (CTS)
- Photocopy of Tax Declaration
- Authorization of Tax Mapping signed by present owner
- Copy of payment for Appraisal Fee
- Photocopy of TCT
- Photocopy of Tax Declaration
- Building Plan
- Building Specifications
- Copy of payment for Appraisal Fee
(For submissions, whichever is applicable). Click here.
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Frequently Asked Questions
- If married, you can add up your spouse's income
- If single, you may apply with a co-borrower who will have a joint obligation in paying the loan
- If you receive commissions as additional income, you can have this considered as part of your salary
- If collateral is within 30km radius from any BDO branch - ₱5,000
- If collateral is outside 30km radius from any BDO branch - ₱5,500
- Handling fee - ₱3,000
- Notarial fee - ₱200 per document
- Registration fee - Variable
- Doc Stamp Tax
- ₱1.50 for every ₱200 of the loan amount -
- Credit Life Insurance (CLI) Premium
- ₱4.75 for every ₱1,000 of the loan amount (assuming standard rate for borrowers up to 49 years old)
- ₱6.50 for every ₱1,000 of the loan amount (assuming standard rate for borrowers ages 50 to 69 years old)
- Fire Insurance (FI) Premium
For Construction or Renovation loan
- Inspection Fee - ₱1,500 per inspection
- Contractor's All-Risk Insurance (CARI)
- Visit any BDO Remit Office or accredited remittance partner abroad.
- Fill out form to credit funds to your BDO Account assigned under ADA
- Visit any of BDO's Correspondent Bank abroad.
- Fill out form:
- If Credited to BDO Deposit Account
- Beneficiary Bank (use SWIFT Code BNORPHMM)
- Beneficiary Name (should be the account name of the client)
- Beneficiary's BDO Deposit Account Number
- Amount of Payment
- Purpose of Remittance, specify PAYMENT FOR HOME LOAN
- If Direct Payment via PN No.
- Beneficiary Bank (use SWIFT Code BNORPHMM)
- Beneficiary Name (should be the name of the client)
- Promissory Note Number (PN No.)
- Amount of Payment
- Purpose of Remittance, specify PAYMENT FOR HOME LOAN
Credit Life Insurance (CLI) – covers your outstanding loan balance, in case of total disability or untimely death.
Fire Insurance (FI) – covers loss or damage to your property caused by fire, calamity, catastrophe, etc.
Contractor’s All Risk Insurance – applicable to Construction or Renovation Loan, covers for the damages associated with the construction of your property. This is converted to Fire Insurance upon completion of construction.
With the Built-In Insurance Facility, BDO offers payment of CLI and FI annual premiums in 12 equal monthly installment at 0% interest and billed together with your monthly amortization.
If you don't have a BDO Online Banking Account yet, sign up here.
To set up your Home Loan Account:
- Log in to your BDO Online Banking.
- Go to Enrollment Services.
- Add your Home Loan Account.
BDO Loans Quick Inquiry
- Click here to check your account.
- Fill out the form with your loan account and personal details.
- You will receive a One-Time Password (OTP) through your registered mobile number to complete your log in.
There is no charge if you decide to partially pay your Home Loan. However, partial payment is suggested to be made on the anniversary due date of your loan. Note that the partial payment must be made on due date in addition to your monthly amortization.
Click here for the request for partial payment.
Loan Client Request
- Submit Customer Request Form at the nearest BDO branch.
Lengthening
- Filled Out Customer Request Form
- Proof Income (any of the following)
- Bank statement for the last 6 months
- Certificate of Employment (COE) / Income Tax Return (ITR) / Pay slip (if employed)
- Income Tax Return (ITR) / Audited Financial Statement (if self-employed)
- Updated Real Estate Tax Receipts and Tax Declaration on Land and Improvements
- Photocopy of Official Receipts for the appropriate fees paid
- Amendment Fee ₱3,000
- Processing Fee ₱3,000
- Documentary Stamps (computation: Outstanding Balance / ₱200 x 1.5)
- Filled Out Customer Request Form
- Proof Income (any of the following)
- Bank statement for the last 6 months
- Certificate of Employment (COE) / Income Tax Return (ITR) / Pay slip (if employed)
- Income Tax Return (ITR) / Audited Financial Statement (if self-employed)
- Updated Real Estate Tax Receipts and Tax Declaration on Land and Improvements
- Transfer Certificate of Title
- Condominium Certificate Title
- Loan Agreement
- Disclosure Statement
- Certificate of Full Payment
- Certificate of Mortgage
- Certificate of Outstanding Balance
- History of Payment
- Customer Request Form
- Photocopy of Life Insurance Policy, endorsed to BDO Unibank, Inc.
- Letter of Undertaking
Once request is approved, prepare the following for submission:
- Original copy of Endorsed Life Insurance Policy
- Should be issued by a Philippine Insurance company accredited by BDOI - Coverage period is not less than the term of the loan
- Official Receipt or Certificate of Full Payment for entire period
Prepare all requirements for the release of collateral. Click to see complete requirements.
Please bring your Covid-19 Vaccination Card. If unvaccinated, present a Negative Antigen Result taken within 30 days prior to appointment date.
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For any complaint or concern, the client may visit our branch or our BDO Consumer Assistance Management System online at https://www.bdo.com.ph/consumer-assistance. The client agrees and understands that BDO shall take actions within 7 to 10 banking days from receipt of complete information and relevant documents in hard copies or electronic form from the client. For complaints/concerns requiring more time to investigate and resolve, BDO will accordingly advise the client including the progress thereof.
Contact us
BDO Corporate Center:
7899 Makati Avenue Makati City 0726, Philippines Trunkline: (+632) 8840-7000
BDO Contact Center:
This channel is dedicated to handling the following concerns only:
- Updating of registered online banking contact information while overseas
- Facilitating online banking enrollments while overseas
- Reporting of phishing attempts and/or data privacy issues
The above-listed concerns shall be responded to within one (1) to two (2) days.