SME Loan

You can borrow up to 70% of the value of your real estate properties.

For instance, you can loan up to 5.6M for a House & Lot with an appraised value of 8M.

Appraised value maybe determined during property appraisal, upon loan application.

*Subject to change without prior notice.
You can pay the loan-related fees at any BDO branch.

If you have submitted your application form along with your identification, income and property or collateral documents, you will receive a loan decision within 10 banking days.

For Term Loan

   • Monthly loan payments are deducted from your enrolled BDO account via Automatic Debit Arrangement (ADA)

      You may refer to your Amortization Schedule for your monthly payment and loan details.

For SME Ready Check

   • Minimum amount due is deducted from your enrolled BDO account via ADA.

   • Outstanding Balance maybe paid in partial or in full over the counter at any BDO branch nationwide.

You need to settle at least 5% of your availed amount every quarter.

This will be added to your minimum amount due.

For easy monitoring of your transactions, you can check your monthly electronic Statement of Account (eSOA) which indicates your available credit line, minimum amount due, total outstanding balance and other credit line details.

Note: Please ensure that your account is sufficiently funded before the due date of your monthly loan payments to avoid penalties and late payment charges.

Yes. Getting insurance is important for your own security and to protect your property from unfortunate incidents that may happen during the term of your loan.

Credit Life Insurance (CLI) – Financial protection in case of untimely death or total disablement. It can pay off your loan’s total outstanding balance.

Fire Insurance (FI) – Financial protection for the property. It can pay off the damages or loss due to fire, calamity, catastrophe, etc.

Contractors All Risk Insurance (CARI) – Applicable to Construction Loan, it provides coverage for damage / risks normally associated with the construction project.

For Term Loan clients, BDO offers payment of insurance premium under the BUILT-IN INSURANCE facility.

Under this, premium is spread out in 12 monthly installments without interest and billed together with your monthly amortization.

For SME Ready Check, premium payment may either be deducted from an enrolled BDO Account via Automatic Debit Arrangement (ADA) or paid Over The Counter (OTC) at any BDO Branch nationwide.

BDO Online Banking
To access BDO’s Online Banking, you should have an enrolled BDO Deposit Account or Credit Card.

If you are not yet enrolled, click here to access BDO Online Banking.

To set-up your SME Loan Account.

1. Log in to your BDO Online Banking
2. Go to Enrollment Services.
3. Add your SME Loan Account.

Once your account is set-up, you may view your Account and Transaction Details, such as Account Number, Interest Rate, Monthly Amortization, Outstanding Balance, etc.

BDO Loans Quick Inquiry

1. Click here to check your account. 
2. Fill out the form with your loan account and personal details.
3. You will receive a One-Time Password (OTP) through your registered mobile number to complete your log in.

Note: Online Banking and BDO Loans Quick Inquiry is only applicable for Term Loan.

Please ensure to keep your contact information updated.

1. Click here to update your contact details.

2. On Update Client Information tab, choose whether you’re an Individual or Corporation.

3. Complete your loan details and click Submit.

To request for a copy of your loan documents, amortization schedule or full payment computation.

1. Click here to request for documents 

2. On Document Request tab, check needed document and click Request Online.

3. Complete your loan details and click submit.