Home Loan | BDO Unibank, Inc.

Live your way with BDO Home Loan

Take the first step to make your home ownership plans come to life.

A guide to your home loan journey with BDO

Thinking of buying?

Get estimates of your monthly payment.

Looking for a home?

Start your property search today.

Considering financing?

Know how much loan you may borrow.

Applying for a home loan?

Get started with BDO Home Loan.

Why choose BDO Home Loan

Finance various home-related plans

Buy a property, build a new home, renovate your existing property and more.

Low Interest Rates

Enjoy low interest rates with an option for a longer fixing period

Affordable Cash-Out Options

Pay your loan-related fees and insurance premium in easy terms.

Light Payment Scheme

Choose 60-day Grace Period or pay Interest Only for the first six (6) months.

Flexible Loan Terms

Borrow up to 80% of the appraised property value, payable up to 20 years.

Home Loan Online Promo

Enjoy low rates, waived fees of up to P25,000, plus get a FREE first year fire insurance. Promo until June 30, 2025.

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
Fill out the form here 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

Bank Statement, non-BDO Account
Audited Financial Statements for the last two (2) years

OFW (any of the following)

Latest proof of remittance for the last three (3) months
Latest three (3) months payslips
Latest Certificate of Employment with Income (COEI)
Latest Crew Contract, if sea-based

COLLATERAL DOCUMENTS
If property is from a Developer accredited with BDO

Contract to Sell (CTS)

If property is from an individual seller or a Developer not accredited with BDO

Photocopy of TCT/CCT and/or Contract to Sell (CTS)
Photocopy of Tax Declaration
Authorization of Tax Mapping signed by present owner
Copy of payment for Appraisal Fee

If Construction Loan

Photocopy of TCT
Photocopy of Tax Declaration
Building Plan
Building Specifications
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)

Latest three (3) months payslips
Latest Certificate of Employment with Income (COEI)
Latest Income Tax Return (ITR)

Self-Employed

Certificate of Business Registration from SEC, if applicable
Bank Statement, non-BDO Account
Audited Financial Statements for the last two (2) years

OFW (any of the following)

Latest proof of remittance for the last three (3) months
Latest three (3) months payslips
Latest Certificate of Employment with Income (COEI)
Latest Crew Contract, if sea-based

COLLATERAL DOCUMENTS
If property is from a Developer accredited with BDO

Contract to Sell (CTS)

If property is from an individual seller or a Developer not accredited with BDO

Photocopy of TCT/CCT and/or Contract to Sell (CTS)
Photocopy of Tax Declaration
Authorization of Tax Mapping signed by present owner
Copy of payment for Appraisal Fee

If Construction Loan

Photocopy of TCT
Photocopy of Tax Declaration
Building Plan
Building Specifications
Copy of payment for Appraisal Fee

Apply Now

Apply Online

Submit your documents and application form online for a hassle-free digital application.

Download Form

For Individual Borrowers

Download and complete the form at a time that works for you.

Download Form

For Corporate Borrowers

Download and complete the form at your convenience.

Application Process

✓

Step 1: Check qualifying requirements

Age, citizenship, and
income eligibility.

Step 2: Prepare the required documents

Provide required IDs
and fill out forms.

Step 3: Submit the application form

Apply online or through
any BDO Loans Center.

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

Visit any of BDO's Correspondent Bank abroad.
Fill out form:

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
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:

Log in to your BDO Online Banking.
Go to Enrollment Services.
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

Check your account here.
Fill out the form with your loan account and personal details.
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.

Request for Statement of Account for the computation of full payment here.

Please ensure to keep your contact information updated:

Go to Loan Client Request and choose Loan Information Update
Click Client Information and choose your applicable category
Accomplish the online form and click Submit

To request copy of your loan document(s), amortization schedule or full payment computation:

Go to Loan Client Request and choose Document Request
Click the appropriate link for the document you want to request
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.

Request for partial payment here.

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

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Loan Client Request

View your loan account details.

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

Submission of Endorsed Life Insurance Policy

Submit the following at nearest BDO branch

Customer Request Form
Photocopy of Life Insurance Policy, endorsed to BDO Unibank, Inc.
Letter of Undertaking

(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

Set an appointment as soon as you receive a notification to claim your collateral documents

Online Scheduler

Note: Choose your preferred date and time from 9:00am to 3:00pm 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. View the complete requirements here.

Individual / Sole Borrower
Two (2) or more Borrowers / Mortgagors
Corporation

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 1-month claim period from the date of notification release of collateral documents. After which, a Safekeeping Fee will be charged. Details as follows:

After 1 month from the notification of availability of collateral document - ₱500 per Loan Account
Every 6 months thereafter, that the documents remain unclaimed - Additional ₱500

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:

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

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)

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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	House & Lot / Townhouse / Construction	Condo Unit	Vacant Lot
Min. Loan Amount	₱500,000		₱300,000
Max. Loan vs Appraised Value of Property	80%	70%	70%
Max. Loan Term	20 years	15 years	10 years