You are inquiring about Home Loan

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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 Cost

• 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

Built-In Insurance

Insurance Premiums for 1-year coverage can be paid
in 12 equal monthly installments, without interest and
billed together with your monthly amortization. Your
insurance coverage will automatically renew annually
for the entire term of your 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
15 years 10 years

Fast Processing Time
Get loan approval in as fast as five (5) working days upon submission of complete application documents.




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

  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




Apply Now

Apply Online


For Inquiries

Provide contact details Call BDO Customer Center at (02) 8631-8000