Home Loan

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You are inquiring about Home Loan

Please fill in the fields below and an Account Officer will get in touch with you. All fields are mandatory.

To know more about Home Loan or to apply for a loan online, you may click the corresponding button at the bottom of the page.

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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.

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.

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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