BDO Home Loan

With BDO Housing Loan, you can achieve the home you want. Maximize your loan up to 80% while enjoying low interest rates and flexible payment terms for your convenience. You can also earn points that can be redeemed at any SM Department Store.

BDO Home Loan

Get Your Dream House With BDO Home Loan. Fast Application, Low Interest Rates And Convinient Housing Loan Terms. Apply Today!

Product Features

  • Make your first payment 60 days after the release of the loan. Helps your budget to furnish your new home.
  • Give you additional Loan to cover other EXpenses like mortgage registration fee, insurance premium, taxes and the like
  • You can earn Rewards points on your home Loan which can be redeemed at any SM Department store for items of your choice.


Product Name:
BDO Home Loan
With BDO Rewards Points that can be redeemed at any SM Dept Store.
Minimum Amount of Loan:
Maximum Amount of Loan:
Minimum Loan Tenure:
1 years
Maximum Loan Tenure:
20 years
Maximum Fixed Period:
5 years
Early Repayment:
Property Insurance Included:
Accepts Third Party Property Insurance:
Accepts Third Party Mortgage Insurance:
Does not Require Mortgage Insurance:
Payment Options:
Through Automatic Debit Arrangement (ADA) from an enrolled BDO Account
Application Approval Time:
Upon submission of full documents 5 working days for Metro Manila and 10 working days for provincial areas

Eligibility and Requirements

Eligible Property Types
House and Lot
Vacant Lot
House Construction
Home Loan Proceeds Can Be Used For:
Purchase of Property
Construction/Home Improvement
Reimbursement of Acquisition Cost

Property Types and Loan Purpose

Age Range of Borrower:
21-70 years
Minimum Annual Income:
Employment Work Status
Employed - Private Sector for 2 years
Employed - Government for 2 years
Self - Employed for 2 years
Professional for 2 years
Employed - BPO for 2 years
Employed - OFW/Seafarer for 2 years
Applicant Must Have a Landline Phone at Home or Office:
Need to Open Linked Bank Account:
Guarantor Requirements:
Collateral Requirements:
For the collateral documents , you may use your own home as a collateral for the loan with the following documentation, photocopy of title, lot plan with vicinity map, photocopy of tax declaration

Fees and Charges/Penalties

Appraisal Fee (properties within Metro Manila)
Appraisal Fee (properties outside Metro Manila)
Processing Fee
Notarial Fee (For Metro Manila only, for outside Metro Manila, fee will depend on the Notary Public)

Interest Rates Offered

Interest for Fixed Period Interest Effective Interest Fixed Variable Period Interest Rate Per Year
1 year fixed period 6.50% 0.00%
2 years fixed period 7.50% 0.00%
3 years fixed period 7.88% 0.00%
4 years fixed period 8.00% 0.00%
5 years fixed period 8.50% 0.00%


What are the eligibility requirements to apply for a housing loan?

  • Applicant must be a Filipino citizen
  • Foreigners may apply, as long as they submit Acceptable Visa*
  • At least 21 years old but not to exceed 70 years old upon loan maturity
  • Minimum gross family income must be P50,000.00 per month
  • Must have a stable source of income from employment or business
  • If employed, must have 2 years of tenure within the current company
  • If self-employed, must have at least 2 consecutive years of successful and profitable operation

What are the documentary requirements required?

Basic Documents

  • Completed and signed BDO application form
  • Clear copy of one (1) valid ID with photo
  • Marriage Contract, for married individuals
  • For foreigners: clear photocopy of Alien Certificate of Registration (ACR) indicating Visa status as Permanent Immigrant, or Alien Employment Permit (AEP), or Visa ID

Income Documents


  • Most recent Income Tax Return (ITR) or BIR Form 2316
  • Most recent 3 months pay slips
  • Certificate of Employment (COE) indicating salary breakdown

OFW (or Asenso Kabayan borrowers)

  • Most recent 3 months proof of remittances
  • Most recent 3 months pay slips
  • Certificate of Employment (COE) or Employment Contract authenticated by Philippine Consulate Office
  • For seafarers, latest Crew Contract and employment history or Crew Contract and Exit Pass from POEA


  • Business Registration Papers (Certificate of Registration from DTI for Single Proprietors, or SEC Articles of Partnership or Articles of Incorporation for Partnership or Corporations)
  • Most recent Audited Financial Statements (last 2 years) with latest ITR
  • Bank Statements (consecutive 6 months)
  • Trade References - List of Suppliers and Customers (at least 3 each) or List of Affiliated Hospitals/Clinics with address (for doctors)
  • Lease Contracts and copy of title (for income derived from rental)

*Types of Acceptable Visa for Foreigners

  • Quota or Preference Immigrant Visa Holders
  • Alien spouse of a Filipino citizen (Sec 13A Visa)
  • Natural-born Filipinos married to an Alien (Sec 13D Visa)
  • Returning Resident (Section 13E Visa)
  • Natural-born Filipinos naturalized in foreign country (Sec 13G Visa)
  • Clear Photocopy of Special Retiree's Resident Visa (SRRV)
  • Permanent Resident Status and working Visa granted by Subic Bay Metropolitan Authority (SBMA)
  • Working Visa issued to Embassy Officials

Collateral Documents

  • Clear Photocopy of TCT / CCT
  • Lot Plan including Vicinity Map certified by a Geodetic Engineer
  • Master Deed of Declaration of Restrictions (for condominiums)

Additional Documents:

For Construction Loan

  • Building Plan or Floor Plan
  • Bill of Materials and Labor Cost
  • Building Specifications certified by Architect/Civil Engineer

For Refinancing or Loan Take-out

  • Statement of account (SOA) and official receipts for the last 3 months

How can eCompareMo help me to get the best Home loan deal?

  • Use eCompareMo’s comparison portal now to get the best loan deals that’s right for you. Simply enter the loan information and other details, and you will receive matching loan products. After you’ve chosen the loan product, our Sales Representative will assist you through the loan processing. eCompareMo does not charge loan applicants for any type of processing fee.

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