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

• 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.




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

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


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

• 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
  Registration from
  DTI or SEC, Articles
  of Partnership or
  Articles of
  (whichever is

• Business
  Background or
  Company Profile

Any of the following:

• Proof of Remittance
  for the last 3

• Latest Crew
  Contract, if sea

• 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




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.

Home Loan Steps & Tips

Home ownership made possible through BDO Home Loan.

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




Apply Now

Apply Online


For Inquiries

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