List of BDO Housing Loan Requirements 2026 You Must Prepare for Application
BDO HOUSING LOAN REQUIREMENTS 2026 – If you are self-employed and you want to apply for the offer, here are the documents you must prepare and submit to BDO Unibank.
Are you ready to take the step towards your dream house but you are somehow anxious because you are self-employed? There is actually nothing to worry about. There are excellent offers that await you and one of the best is the offer of the BDO Unibank.
The BDO Unibank is one of the trusted banks in the Philippines which has millions of clients for several decades now. It is also one of the biggest banking entities in the country with a wide array of offers.
Through the years, the BDO Unibank has continuously expanded its offers to provide its clients and the public with excellent finance products — savings and checking accounts, credit cards, loans, etc.
When it comes to the loans offered by this reputable banking entity, aside from the BDO Kabayan Loan which is exclusive for overseas Filipino workers (OFWs), the bank also has the BDO Housing Loan that is open not only for the employed individuals but as well as the self-employed ones.
The Housing Loan offer of BDO Unibank is ready to finance several purposes. You may apply for it to fund any of the following:
- purchase of a real estate property
- home construction
- home equity loan
If you already have an existing house and lot, a condominium unit, or another residential property and you need some cash, you can actually use your property as the collateral to obtain funds. As mentioned, the loan offer is not only open for the salaried but as well as the non-salaried individuals but there are varying BDO Housing Loan requirements for application.
Meanwhile, before you check out the BDO Housing Loan requirements that you must prepare in applying for the loan offer, it is best to first check the eligibility criteria under it. If you are self-employed, to qualify for the loan, the applicant should meet the following eligibility requirements:
- 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
There is also a different list of BDO Housing Loan requirements if you already have an existing BDO account or none. Here is a guide on the documents required under the offer:
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
You must also include in your list of BDO Housing Loan requirements to submit the documents that pertain to the collateral. BDO Unibank requires the following:
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
Meanwhile, if you need funds for other purposes and cannot use any property as the collateral, you might also like to check out the BDO Cash Loan offer. It is also open for both employed and self-employed individuals.