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.

Name *

First Name

Middle Name

Last Name

Birthdate

Month

Day

Year

Mobile No. *

Prefix No

Mobile No.

Residence Tel No. Email Address*

Area Code

Telephone No.

Im Inquiring from: *

Complete Address *

Number (#)

Street

Subdivision / Barangay

Province

Municipality / City

Loan Amount (your loan should be at least 500,000) *

Loan Purpose *

Employment Type *

For fields that do not apply, please indicate NA
* Indicates required fields

In compliance with the requirements of the Data Privacy Act, I hereby give my consent to BDO Unibank, Inc. and its subsidiaries (collectively referred to as “BDO Group”) to process, store, disclose or share my personal information or sensitive personal information obtained from me in the course of my transaction/s with BDO. I confirm that I understand and agree that these information may be disclosed or shared within the BDO Group for cross-selling purposes to offer and provide new or related products and services of the BDO Group. Further, I hereby give my consent to any member of the BDO Group to process, collect, use, store, share or disclose my personal information or sensitive personal information among themselves, or to third parties. I confirm that I understand and agree that my information may continue to be processed, collected, used, stored, or disclosed for ten (10) years from my last transaction date with any member of the BDO Group or until the expiration of the retention limits set by applicable laws, whichever comes later. I hereby acknowledge and understand that should I wish to withdraw my consent to receive information about new or related products and services of the BDO Group, or to access, update, or correct certain personal data as set out in this form, I may communicate directly with BDO Unibank, Inc. Data Protection Officer through data_protection_officer_bdounibankinc@bdo.com.ph. I further acknowledge and understand that I may access and view BDO Unibank, Inc. Data Privacy Statement at https://www.bdo.com.ph/privacy-statement or obtain a copy thereof from a BDO Unibank, Inc. branch office.

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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 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
Loan.

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 years	15 years	10 years

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

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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