BDO 2026 Home Loan Promo
PROMO MECHANICS

1. PROMO COVERAGE
   The BDO Home Loan Promo (“Promo’) runs from January 15, 2026 to March 31, 2026 (“Promo Period”). 
   
   The Promo is open to all Home Loan applications received from all channels, such as:
   • BDO Website (Online)
   • Any BDO Branch nationwide
   • BDO-accredited Brokers and Developers 
      
2. PROMO OFFERS
   Qualified borrowers under the Promo may enjoy the following benefits: 
   • Low Interest Rates:
     • 6.00% fixed for 1 year
     • 6.50% fixed for 5 years
     • 8.50% fixed for 10 years
   • Waived Fees of up to P25,000
     • Covers Registration Fees
     • For online applications, waiver also includes Appraisal Fee
   • Free 1st Year Fire Insurance
     • Applicable to ready-for-occupancy (RFO) residential properties only
        
3. ELIGIBILITY CRITERIA
   To qualify for the Promo: 
   • Home Loan Applications must be booked within the Promo Period.
   • Minimum loan amount:  Php 1,000,000.00
   • Minimum Loan Term:    5 years
      
4. LOCK-IN PERIOD AND CHARGE BACK
   The loan is subject to a 5-year locked-in period. In the event of full loan pre-termination or early payment within 5 years from loan release, the full amount of waived fees and the fire insurance premium will be charged back and reflected in the Borrower’s Statement of Account.
   
   
5. LOAN PURPOSE COVERAGE & EXCLUSIONS
   The Promo applies to all Home Loan purposes. 
   • For Construction Loan, the following conditions apply:
     • First loan release must be within the Availment Period
     • Free First Year Home (Fire) Insurance does not apply.
       
       Exclusions: 
     • New loan used to pay off existing BDO Home Loan
     • Loans to foreign borrowers
        
6. WAIVED FEE 
   The waived registration fee of up to Php 25,000 will be deducted from the fees payable before the loan is released. 
   
   
7. FREE 1ST YEAR FIRE INSURANCE
   Applies only to ready-for occupancy residential properties.
   
   Pre-selling property/ies are not qualified to avail of the free fire insurance offer.
   
   Fire Insurance renewal from 2nd to 5th year must be coursed through BDO Insurance & Reinsurance Brokers, Inc. In case of non-renewal or endorsement of existing insurance, the amount of waived 1st year premium will be charged back and reflected in the Statement of Account.
   
   
8. GENERAL MECHANICS
   
   All qualified applications for the Promo will undergo standard evaluation and approval process of BDO, subject to completion of required loan documents.
   
   The promo is non-transferable, non-convertible to cash, and may not be availed in conjunction with other promo and/or offers of BDO Home Loan.
   
   In case of dispute, the decision of BDO, with concurrence of DTI, shall be final. These Terms and Conditions are subject to any relevant law, government direction and regulation. The promotion will be void where prohibited or restricted by law or government regulations.
    

Per DTI Fair Trade Permit No. FTEB- 246400, Series of 2026.