List of BDO Housing Loan Requirements 2025 You Must Prepare for Application
BDO HOUSING LOAN REQUIREMENTS 2025 – For self-employed individuals who want to apply for the BDO Unibank offer, here is a guide on the documents required by the bank for application.
Nowadays, more and more people are into big goals. These targets usually include the purchase of a car and a house which will not only benefit a single person but a family. Are you one of the people who wants to acquire a residential property soon?
Truth be told that the acquisition of a residential property requires a huge amount of money and not everyone is ready to do it in cash. Meanwhile, there are entities that you can turn to like the BDO Unibank.
The BDO Unibank is one of the biggest and the most trusted banking entities in the Philippines for decades now. It has several offers from bank accounts to loans to credit cards and a lot more.
Aside from the BDO Cash Loan offer, the bank also has the BDO Housing Loan that is open for several purposes. You may apply for the offer for the financing of a real estate property purchase, a home construction, or a home equity loan.
Moreover, if you have an existing house and lot or another type of residential property, you may use your property as the collateral in obtaining funds for other goals. The loan offer is open not for both salaried and non-salaried individuals and there are varying BDO Housing Loan requirements for application.
Before checking on the BDO Housing Loan requirements that you need to submit, it is best to first check on the qualifications under the offer. To be eligible to apply for the loan offer, an applicant must meet the following qualifications:
- 21 years old and above upon the loan application
- 70 years old and below at the end of the loan term
- Filipino citizen or Foreign Nationals
- earning at least ₱50,000/month or its equivalent in foreign currency as gross monthly income
- at least 2 consecutive profitable years of operation
The BDO Housing Loan requirements also vary if the loan application has an existing account with BDO Unibank or none. For self-employed individuals, here are the documents required for application:
If with BDO account
- Bank Statement, non-BDO Account
- Audited Financial Statements for the last two (2) years
If without BDO Unibank
- Completely filled-out application form
- Photocopy of one (1) valid ID matching application details
- Marriage Contract, if applicable
- Certificate of Business Registration from SEC, if applicable
- Bank Statement, non-BDO Account
- Audited Financial Statements for the last two (2) years
The BDO Housing Loan requirements for application also includes documents pertaining to the property. Here’s a guide on the other documents you must submit for the loan application to BDO:
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 for the purpose of house construction
- Photocopy of TCT
- Photocopy of Tax Declaration
- Building Plan
- Building Specifications
- Copy of payment for Appraisal Fee
Aside from the cash loan and the housing loan offers, BDO also has an offer for business owners — the BDO SME Loan.