You are inquiring about Home Loan

First Name
Middle Name
Last Name
Prefix No
Mobile No.
Area Code
Telephone No.
Number (#)
Street
Subdivision / Barangay
Province
Municipality / City
Area
State
For fields that do not apply, please indicate NA
* Indicates required fields
Image CAPTCHA
Enter the characters shown in the image.

 

 

WHAT WE OFFER

Various Home Loan Options

BDO offers financing assistance for the following loan purpose:

• Purchase of House and Lot / Townhouse Unit

• Purchase of Condominium Unit

• Purchase of Vacant Lot

• Construction of House

• House Renovation / Home Improvement

• Reimbursement of Acquisition

• Refinancing / Loan Take-out

Affordable Cash Out

All-in Financing

• Spread out payments of your mortgage fees and
   loan-related charges up to the term of your Home
   Loan.


Light Payment Options
Choose from the following options:

• 60-day Grace Period
   First payment to start sixty (60) days after the release
   of your loan, subject to applicable interest.
 

• Interest Only for the first six (6) months
   Principal and interest payments to start right after.

More

Flexible Loan Terms

  House & Lot/ Townhouse/ Construction Condo Unit Vacant Lot
Min. Loan Amount P500,000 P300,000
Max. Loan vs.
Appraised Value of Property
80% 70% 70%
Max. Loan Term 20
years
15 years 10 years

 

Low Interest Rates
Enjoy low rates with options for longer fixing period to help you manage your monthly payments.

Fast Processing Time
Get loan approval within five (5) working days for Metro Manila and ten (10) working days for provincial areas upon submission of complete application documents.

Reward Points via BDO Rewards
Earn BDO Rewards points which can be redeemed at any SM Department Store for items of your choice.

 

______________________________________________________________

HOW TO APPLY

Step 1: Check Your Qualifications

• At least 21 years old but not exceeding 70 years old at the
  end of the loan term

• Filipino Citizens or Foreign Nationals

• Minimum gross income of P50,000/month or its equivalent in
  US Dollars

• With stable source of income from employment or business

Locally Employed Self-Employed Employed Abroad

At least 2 years with current company

At least 2 consecutive profitable years of operation

• 2 to 3 years consecutive employment

• Assignment of Beneficiary as Loan Administrator if not in the Philippines at the time of application.

 

Step 2: Prepare The Requirements

Basic Documents

• Completely filled-out application form

• Photocopy of one (1) valid ID matching application
  details

  Acceptable IDs: Passport, Driver’s License, SSS, PRC,
  OWWA ID, OFW ID, Seaman’s Book

• Marriage contract, if applicable

 

Income Documents

Locally Employed Self-Employed Employed Abroad

• Latest Income Tax Return or BIR Form 2316

• Latest three (3) months payslip

• Certificate of Employment with Income (COEI)

• Photocopy of Audited Financial Statements for the last two (2) years with latest ITR

• Bank Statements or Photocopy of Passbook for the last six (6) months

• Certificate of Business Registration from DTI or SEC, Articles of Partnership or Articles of Incorporation (whichever is applicable)

• Business Background or Company Profile

Any of the following:

• Proof of Remittance for the last 3 months

• Latest Crew Contract, if sea based

• Consularized Certificate of Employment with Income (COEI) or latest three (3) months payslips

If with Additional Source of Income from Rental of Property/ies

• Lease Contract
• Photocopy of Title

 

List of acceptable Visas for Foreign Nationals
   (for submission, whichever is applicable). Click here.

 

• Collateral Documents

• Photocopy of Title
• Lot Plan with Vicinity Map
• Photocopy of Tax Declaration
     

Additional Documents

For Construction Loan*

• Building / Floor Plan of proposed improvement
• Bill of materials
• Building Specification of proposed finishes

*All documents must be certified by an Architect or Civil Engineer
 

For Refinancing / Loan Take Out

• Statement of Account from current bank and
  official receipts for the last three (3) months

Step 3: Submit Application Form and Requirements

Submit through any of the following channels:

Apply Online

• BDO Home Loan Provincial Business Centers

• More than 1,000 BDO Branches Nationwide

 

______________________________________________________________

TOOLS TO HELP YOU

Home Loan Steps & Tips

Home ownership made possible through BDO Home Loan.

Check out practical steps and tips to owning your new home.

 

 

 

 
 
Share
 

Apply Now

Apply Online

 

For Inquiries

Provide contact details Call BDO Customer Center at 631-8000 Text BDOLOANS to 2256