BDO Home Loan

Whether you plan to buy a property, build a new home or refurbish an existing one, there's a BDO Home Loan for you.

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Home Loan

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Application requirements

 
  • At least 21 years old but not exceeding 70 years old at the end of the loan term
  • Minimum gross family income of ₱50,000/month or its equivalent in foreign currency
  • With stable source of income from employment or business
    1. Locally Employed: at least 2 years with current company    
    2. Self-Employed: at least 2 consecutive profitable years of operation
    3. Employed Abroad: 2-3 years consecutive employment. Assignment of Beneficiary as Loan Administrator if not in the Philippines at the time of application

Get Pre-qualified
Click here to fill-out and submit your personal and financial information and know the BDO Loan terms that you may qualify for. 

BASIC DOCUMENTS
• Completely filled-out application form

INCOME DOCUMENTS
Self-Employed
  1. Bank Statement, non-BDO Account
  2. Audited Financial Statements for the last two (2) years
OFW (any of the following)
  1. Latest proof of remittance for the last three (3) months
  2. Latest three (3) months payslips
  3. Latest Certificate of Employment with Income (COEI)
  4. Latest Crew Contract, if sea-based

COLLATERAL DOCUMENTS
If property is from a Developer accredited with BDO
  1. Contract to Sell (CTS)
If property is from an individual seller or a Developer not accredited with BDO
  1. Photocopy of TCT/CCT and/or Contract to Sell (CTS)
  2. Photocopy of Tax Declaration
  3. Authorization of Tax Mapping signed by present owner
  4. Copy of payment for Appraisal Fee
If Construction Loan
  1. Photocopy of TCT 
  2. Photocopy of Tax Declaration
  3. Building Plan
  4. Building Specifications
  5. Copy of payment for Appraisal Fee

 

BASIC DOCUMENTS
• Completely filled-out application form
• Photocopy of one (1) valid ID matching application details
• Marriage Contract, if applicable

INCOME DOCUMENTS
Locally Employed (any of the following)
  1. Latest three (3) months payslips
  2. Latest Certificate of Employment with Income (COEI)
  3. Latest Income Tax Return (ITR) 
Self-Employed
  1. Certificate of Business Registration from SEC, if applicable
  2. Bank Statement, non-BDO Account
  3. Audited Financial Statements for the last two (2) years
OFW (any of the following)
  1. Latest proof of remittance for the last three (3) months
  2. Latest three (3) months payslips
  3. Latest Certificate of Employment with Income (COEI)
  4. Latest Crew Contract, if sea-based

COLLATERAL DOCUMENTS
If property is from a Developer accredited with BDO
  1. Contract to Sell (CTS)
If property is from an individual seller or a Developer not accredited with BDO
  1. Photocopy of TCT/CCT and/or Contract to Sell (CTS)
  2. Photocopy of Tax Declaration
  3. Authorization of Tax Mapping signed by present owner
  4. Copy of payment for Appraisal Fee
If Construction Loan
  1. Photocopy of TCT 
  2. Photocopy of Tax Declaration
  3. Building Plan
  4. Building Specifications
  5. Copy of payment for Appraisal Fee
 

Apply now

Application Process

Frequently Asked Questions

  • Purchase of real estate property: house and lot, townhouse, condominium or vacant lot
  • Construction of a new house: covers cost for building your new home.
  • Personal Expenses: access funds for purchase and installation of solar panels, home renovation, education, medical and other personal needs using your property as collateral.

Combined gross family income is considered for a BDO Home Loan.
  • If married, you can add up your spouse's income
  • If single,  you may apply with a co-borrower who will have a joint obligation in paying the loan
  • If you receive commissions as additional income, you can have this considered as part of your salary

Upon Application
Appraisal fee
  • If collateral is within 30km radius from any BDO branch - ₱5,000 
  • If collateral is outside 30km radius from any BDO branch - ₱5,500
After Approval
  • Handling fee - ₱3,000 
  • Notarial fee - ₱200 per document 
  • Registration fee - Variable 
  • Doc Stamp Tax
  • ₱1.50 for every ₱200 of the loan amount  - 
  • Credit Life Insurance (CLI) Premium

    - ₱4.75 for every ₱1,000 of the loan amount (assuming standard rate for borrowers up to 49 years old)

    - ₱6.50 for every ₱1,000 of the loan amount (assuming standard rate for borrowers ages 50 to 69 years old)

  • Fire Insurance (FI) Premium
    • Based on the appraised value of the improvement submitted, excluding parking lot for condo or land for residential property

For Construction or Renovation loan

  • Inspection Fee - ₱1,500 per inspection
  • Contractor's All-Risk Insurance (CARI)
    • Based on the amount of building materials and occupancy

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 OFWs/Immigrants, the following payment options are available:
 
Via Remittance to BDO Account
  • Visit any BDO Remit Office or accredited remittance partner abroad.
  • Fill out form to credit funds to your BDO Account assigned under ADA 
Via Fund Transfer thru SWIFT Code
  1. If Credited to BDO Deposit Account
    • Beneficiary Bank (use SWIFT Code BNORPHMM)
    • Beneficiary Name (should be the account name of the client)
    • Beneficiary's BDO Deposit Account Number
    • Amount of Payment
    • Purpose of Remittance, specify PAYMENT FOR HOME LOAN
  2. If Direct Payment via PN No.
    • Beneficiary Bank (use SWIFT Code BNORPHMM)
    • Beneficiary Name (should be the name of the client)
    • Promissory Note Number (PN No.)
    • Amount of Payment
    • Purpose of Remittance, specify PAYMENT FOR HOME LOAN

Insurance protects you, your family, and property in case of untoward incident/s that can happen during the term of your BDO Home Loan.

Credit Life Insurance (CLI) – covers your outstanding loan balance, in case of total disability or untimely death.

Fire Insurance (FI) – covers loss or damage to your property caused by fire, calamity, catastrophe, etc.

Contractor’s All Risk Insurance – applicable to Construction or Renovation Loan, covers for the damages associated with the construction of your property. This is converted to Fire Insurance upon completion of construction.

With the Built-In Insurance Facility, BDO offers payment of CLI and FI annual premiums in 12 equal monthly installment at 0% interest and billed together with your monthly amortization.
 

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

If you don't have a BDO Online Banking Account yet, sign up here.

To set up your Home Loan Account: 
  1. Log in to your BDO Online Banking.
  2. Go to Enrollment Services.
  3. Add your Home 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.

Partial payment refers to the advance payment applied to the outstanding loan principal balance.

There is no charge if you decide to partially pay your Home Loan. However, partial payment is suggested to be made on the anniversary due date of your loan. Note that the partial payment must be made on due date in addition to your monthly amortization.

Click here for the request for partial payment.

Please ensure to keep your contact information updated:
  1. Go to Loan Client Request and choose Loan Information Update
  2. Click Client Information and choose your applicable category
  3. Accomplish the online form and click Submit
To request copy of your loan document(s), amortization schedule or full payment computation:
  1. Go to Loan Client Request and choose Document Request
  2. Click the appropriate link for the document you want to request
  3. Accomplish the form and submit as instructed
Below requests will be charged with corresponding processing fees.
  • Payment Summary / History of Payment – ₱200
  • Certificate of Outstanding Balance – ₱100
  • Interest Applied & Total Interest Paid – ₱200 (for Home and SME Loan)
  • Certificate of Mortgage – ₱100 (for Home and SME Loan)

Pre-termination refers to paying the loan in full before your loan maturity date.

There is no pre-termination fee if you decide to fully pay your Home Loan. However, there is a one-time Processing Fee of ₱3,500.

Click here to request for Statement of Account for the computation of full payment.
 

Once your loan has been fully paid and cleared by the Bank, you will be notified via SMS/email of the availability of your collateral documents, which includes the title.

To request the release of your collateral documents, go to Loan Client Request and click Collateral Request.
 
Please be advised that there is a 6-month claim period for collateral documents. After which, a Safekeeping Fee will be charged, as follows:
  • After 6 months from date of SMS/email on the availability of collateral document – ₱500 per Loan Account
  • Every year thereafter that the documents remain unclaimed – Additional ₱500

Loan Client Request

Update your information

Make changes to your ADA account

Call BDO Contact Center at (+632) 8888-0000 for due date change and request for computation of accrued interest payable prior to change.

To Lengthen (add no. of years) or Shorten (lessen no. of years) your Loan Term, submit the following requirements at any BDO Branch.

Lengthening
  • Filled Out Customer Request Form
  • Proof Income (any of the following)
    • Bank statement for the last 6 months
    • Certificate of Employment (COE) / Income Tax Return (ITR) / Pay slip (if employed)
    • Income Tax Return (ITR) / Audited Financial Statement (if self-employed)
  • Updated Real Estate Tax Receipts and Tax Declaration on Land and Improvements
  • Photocopy of Official Receipts for the appropriate fees paid
    • Amendment Fee ₱3,000
    • Processing Fee ₱3,000
    • Documentary Stamps (computation: Outstanding Balance / ₱200 x 1.5)    
Shortening 
  • Filled Out Customer Request Form
  • Proof Income (any of the following)
    • Bank statement for the  last 6 months
    • Certificate of Employment (COE) / Income Tax Return (ITR) / Pay slip (if employed)
    • Income Tax Return (ITR) / Audited Financial Statement (if self-employed)
  • Updated Real Estate Tax Receipts and Tax Declaration on Land and Improvements

Click here for other loan inquries.

Request for loan documents related to your account.
  • Transfer Certificate of Title
  • Condominium Certificate Title
  • Loan Agreement
  • Disclosure Statement
Submit Request Form online
 

Ask for a statement indicating future amortizations due and its application to interest and principal.
 
Submit Request form online
 

Get computation of the amount needed to be paid to settle loan in full.
 
Submit Request Form online
 

Submit Online Form for the following requests:
  • Certificate of Full Payment
Submit Customer Request Form at the nearest BDO Branch for the following:
  • Certificate of Mortgage
  • Certificate of Outstanding Balance
  • History of Payment

Click here for other loan inquries.

Submission of Endorsed Life Insurance Policy
Submit the following at nearest BDO branch
(Applicable only if insurance is not yet fully paid; should be signed by all borrowers)

Once request is approved, prepare the following for submission:
  • Original copy of Endorsed Life Insurance Policy
    - Should be issued by a Philippine Insurance company accredited by BDOI
  • Coverage period is not less than the term of the loan
  • Official Receipt or Certificate of Full Payment for entire period

Click here for other loan inquries.

Set an appointment as soon as you receive a notification to claim your collateral documents 
Note: Choose your preferred date and time from 9:00 a.m. to 3:00 p.m. on banking days. No walk-ins allowed.
Should you miss your scheduled appointment, you may set a new appointment after three (3) banking days.

Prepare all requirements for the release of collateral. Click to see complete requirements.
Kindly expect an SMS and email confirmation of your appointment with a BDO email address where you should send a copy of one (1) valid government-issued ID (with 3 specimen signatures) of the Claimant/s (Borrower/s / Registered Owner/s and/or Authorized Representative) for advance validation. Original copies to be presented upon claiming of the collateral documents.

Please be advised that there is a 6-month claim period from the date of notification release of collateral documents. After which, a Safekeeping Fee will be charged. Details as follows:
  • After 6 months from notification of availability of collateral document – P500 per Loan Account
  • Every year, thereafter, that the documents remain unclaimed – Additional P500
 

Click here for other loan inquries.

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For any complaint or concern, the client may visit our branch or our BDO Consumer Assistance Management System online at https://www.bdo.com.ph/consumer-assistance. The client agrees and understands that BDO shall take actions within 7 to 10 banking days from receipt of complete information and relevant documents in hard copies or electronic form from the client. For complaints/concerns requiring more time to investigate and resolve, BDO will accordingly advise the client including the progress thereof.

Contact us

BDO Corporate Center

BDO Corporate Center:

7899 Makati Avenue Makati City 0726, Philippines Trunkline: (+632) 8840-7000

BDO Corporate Center

BDO Contact Center:

Hotline: (+632) 8888-0000

Outside Metro Manila

(PLDT/Globelines): #8888-0000

(For landline only, press # followed by 8888-0000)
 

International Toll-Free:

(IAC)+800-8-CALLBDO (2255-236)

(See list of IAC here)

BDO Corporate Center

callcenter@bdo.com.ph

This channel is dedicated to handling online banking enrollment and/or updating of registered online banking contact information of overseas clients. For phishing reports, please send the email to reportphish@bdo.com.ph.

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