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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Day

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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

Submit through any of the following channels:

• Apply Online

• BDO Home Loan Provincial Business Centers

• More than 1,000 BDO Branches Nationwide

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TOOLS TO HELP YOU

Home Loan Calculators

Compute for a loan package that suits your budget using the Home Loan Calculators

Know your Monthly Amortization based on the amount you would like to borrow.

Know the Maximum Amount that you can Borrow based on your monthly income.