Promo Mechanics:

1. The BDO Home Loan Online (“Promo”) is open to all Home Loan applications submitted online via www.bdo.com.ph from March 1 to June 30, 2025 (“Promo Period”).   
   
   
2. The Home Loan application should be subsequently approved and booked by September 30, 2025 (“Availment Period”).
   
   
3. The Promo extends the following offers: 
   
   • Low Interest Rates:
      - 6.00% fixed for 1 year
      - 6.50% fixed for 2 to 3 years
      - 6.75% fixed for 4 to 5 years
   • Waived Registration Fees of up to P25,000
   • Free 1st Year Fire Insurance Premium
   
   
4. To qualify for the Promo, the following requirements must be met:
   
   • Submission of filled-out Home Loan application form with complete application documents
   • Loan amount of at least  P1,000,000.00
   • Loan term of at least 5 years
   • Home Loan-related insurances (i.e. Credit Life and Fire) should be coursed through BDO. Endorsement of other or existing insurance are not allowed. 
   
   
5. The Promo is applicable to all Home Loan purposes.
   
   • For Construction Loan, the following conditions apply:
      - First release must be within the Availment Period
      - Promo rate is limited to 1-year fixed rate only 
      - Free 1st Year Fire Insurance is not applicable.
   
   Exclusions:
   • Additional loan on property/ies currently mortgaged with BDO
   • New loan to pay off existing Home Loan
   
   WAIVED FEE
   
   
6. Fees to be waived is up to P25,000, which will be applied as a reduction to the loan fees that the client will pay prior the release of the Home Loan.
   
   
7. The loan is locked-in for 5 years. In case the loan is terminated or paid in full within 5 years after loan release, the full amount of waived fees will be charged accordingly, which will be reflected in the Statement of Account.
   
   FREE 1ST YEAR FIRE INSURANCE
   
   
8. The Free 1st Year Fire Insurance is applicable to property/ies for residential occupancy only.
   
   
9. Renewal of Fire Insurance from 2nd to 5th year must be coursed through BDO Insurance. In case of non-renewal or endorsement of existing insurance, amount of waived insurance premium shall be charged accordingly, which will be reflected in the Statement of Account.
   
   GENERAL MECHANICS
   
   
10. All applications qualified for the Promo will undergo standard evaluation and approval process of BDO, subject to completion of required loan documents.
    
    
11. The promo is non-transferable, non-convertible to cash, and may not be availed in conjunction with other promo and/ or offers of BDO Home Loan.
    
    
12. In case of dispute, BDO’s decision, with concurrence of DTI, shall be final. These Terms and Conditions are subject to any relevant law, government direction and regulation. The promotion will be void where prohibited or restricted by law or government regulations. 

Per DTI Fair Trade Permit No. FTEB-214425 Series of 2025.