List of BDO Housing Loan Requirements 2026 You Must Prepare for Application
BDO HOUSING LOAN REQUIREMENTS 2026 – If you are an OFW and you want to apply for the offer, here are the documents you must prepare and submit to BDO Unibank.
Most people share two (2) huge dreams — a house of their own and their dream car. They are even part of the reasons why many Filipinos opted to work abroad in the pursuit of achieving better compensations that could afford a real estate property and their dream car. However, truth be told that even overseas Filipino workers (OFWs) sometimes need the assistance provided by loans.
When it comes to achieving your dream house through a loan, if you are an OFW, one of the trusted banking entities that you may actually turn to is BDO Unibank. It is operating in the Philippines since 1968.
BDO Unibank has several bank account, credit card, loan, and insurance policy offers among others. Aside from the BDO Car Loan offer, the bank also has the Housing Loan offer that is ready to finance the following purposes:
- acquisition of a residential property
- house construction
- home equity loan
There are varying BDO Housing Loan requirements for application. Before checking on the documents that you will need, it is important to first check the eligibility criteria to ensure your qualification to the loan offer.
To be eligible to apply for the BDO Unibank loan offer, the loan applicant should meet the following qualifications for application:
- 21 years old and aboe 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
- 2-3 years consecutive employment
The bank has set different lists of BDO Housing Loan requirements among the employed and self-employed applicants as well as OFWs who wish to apply for the loan offer. If you are working abroad, here are the documents that you should prepare in applying for the loan:
If with BDO account
- completely filled-out application form
- If self-employed,
- Bank Statement, non-BDO Account
- Audited Financial Statements for the last two (2) years
- If OFW
- 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
If without BDO Unibank
- Completely filled-out application form
- Photocopy of one (1) valid ID matching application details
- Marriage Contract, if applicable
- If locally-employed
- Latest three (3) months payslips
- Latest Certificate of Employment with Income (COEI)
- Latest Income Tax Return (ITR)
- If self-employed
- Certificate of Business Registration from SEC, if applicable
- Bank Statement, non-BDO Account
- Audited Financial Statements for the last two (2) years
- If OFW
- 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
The collateral documents should be part of the BDO Housing Loan requirements that you must prepare for the loan application. 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
Aside from the car and housing loan offers, the bank also has the BDO Cash Loan offer.