• Home Renovation / Upgrades
• Tuition / Education
• Furniture
• Appliances / Electronic Gadgets
• Vacation / Travel
• Balance Transfer / Debt Consolidation
• Special Events
• Health and Wellness
• Medical Emergencies

• The following are the type of deposits allowed for this facility:
  • Peso or Dollar Current or Savings Account
  • Peso or Dollar Time Deposit – at least co-terminous with the loan tenor
• The minimum deposit requirement is P15,000 or its dollar equivalent. Though, the loan proceeds will be in Pesos.
• Applicant should be the OFW only. However, if the deposit collateral is a joint account, beneficiary may apply as a principal borrower of the loan
• The following cannot be allowed to be held as collateral
  • “In Trust For” accounts
  • Accounts with existing/ongoing hold-out arrangements

• Minimum of P10,000

• For Peso account, maximum of 90% of the deposit account balance
• For Dollar account , maximum of 80% of the deposit account balance; the prevailing buying rate shall be used to determine peso equivalent.

• 3 months (for Unsecured)
• 6 months
• 12 months
• 18 months
• 24 months
• 36 months

• Secure and additional Personal loan equal to or greater than the original Personal Loan (subject to submission of new income documents)
• For BDO Kabayan Personal Loan (Secured and Unsecured)
  • Existing Personal Loan with good standing may qualify for re-availment or top-up plan

• Submit your application at any of our BDO branches nationwide
• For our Kabayans working abroad, you may use the BDO Kabayan Application forms by clicking the following links:
  • BDO Kabayan – Secured
    1. Application Form
    2. Deed of Assignment Form
    3. Special Power of Attorney
    4. Auto-Debit Arrangement Form
    5. Beneficiary Information Form
  • BDO Kabayan – Unsecured
    1. Application Form
    2. Authorization Form
    3. Auto-Debit Arrangement Form
    4. Beneficiary Information Form

Personal Loan

BDO Kabayan Program - Unsecured

BDO Kabayan Program - Secured

Basic Requirements

• Filipino citizen or foreigner residing in the Philippines for more than two (2) years
• Must be 21 years old at time of application but no more than 70 years old upon maturity
• Minimum Gross Annual income
  • P120,000 for Salaried Employees
  • P400,000 for  Self-Employed / Professionals
• Must have a mobile phone and at least 1 landline phone at either residence or office
• Residence or office must be within BDO serviceable area
• Additional application requirement for Salaried Employees
  • Must be at least one (1)  year tenure with the company
• Additional application requirement for Self-Employed
  • Must be a sole proprietor or majority part-owner of a company operating for at least two (2) years.
• Additional application requirement for Professionals
  • Must be in private practice for at least one (1) year
     

Document Requirements

Pre Approval

Proof of Income for Salaried Employees

• Photocopy of the latest BIR Form 2316 or W2 signed by employer's authorized representative (MANDATORY) and submit any of the following:
  • Original Certificate of Employment and Income (COEI) issued in the last three (3) months indicating status, length of service and breakdown of compensation
  • Photocopy of last full month pay slip

Proof of Income for Self-Employed/Professionals

• Photocopy of Registration of Business Name
• For Single Proprietorship issued by the DTI (Department of Trade and Industry)
• For Partnerships issued by the SEC (Securities and Exchange Commission)
  • Photocopy of latest ITR and W4 with BIR/Bank Stamp (MANDATORY)
  • Photocopy of latest Audited Financial Statements for the last two (2) years
  • Photocopy of Bank Statements for the last six (6) months (OPTIONAL)

Proof of Identification - Photocopy of at least two (2) valid photo-bearing identification documents, front and back, issued and signed by an official authority such as:

• Passport
• Driver's License
• Professional Regulations Commission (PRC) ID
• National Bureau of Investigation (NBI) Clearance
• Police Clearance
• Postal ID
• Voter's ID
• Barangay Certification
• Government Service Insurance System (GSIS) E-card
• Social Security System (SSS) Card
• Senior Citizen Card
• Overseas Workers Welfare Administration (OWWA) ID
• OFW ID
• Seaman's Book
• Alien Certification of Registration/Immigrant Certificate of Registration
• Government Office and GOCC ID, e.g. Armed Forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)
• Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
• Department of Social Welfare and Development Certification (DSWDC)
• Integrated Bar of the Philippines ID
• Company ID's issued by private entities or institutions registered or supervised either by BSP, SEC or IC.

For Resident Foreigners Only

• Copy of Employment Contract or Certificate of Employment
• Letter from the Embassy (if Embassy Official)
• Submit photocopy of any of the following:
  • Valid passport  with Resident Visa; OR
  • Work Permit and valid Visa; OR
  • Special Investor's Resident Visa and Visas Philippine Economic Authority or Visa with Eo226; OR
  • ACR or ICR or ACR1

BDO Kabayan Program

Loan Mechanics

Processing Guidelines