List of BDO Housing Loan Requirements 2026 You Must Prepare for Application
BDO HOUSING LOAN REQUIREMENTS 2026 – If you are locally-employed and you want to apply for the offer, here are the documents you must prepare and submit to BDO Unibank.
Aside from getting their dream car, another huge goal that many people share is achieving their dream house. Nowadays, there are trusted banking entities that are ready to help the Filipinos achieve their dream house. One of them is the BDO Unibank.
The BDO Unibank is one of the longest-serving banks in the Philippines which is in the service of countless Filipinos since 1968. Through the years, it has continuously expanded its offers and it now got several types of loans that attend to the pressing needs of most people.
Aside from the BDO Car Loan that is ready to finance the purchase of both brand new and pre-owned cars, the BDO Unibank also has the Housing Loan offer that is ready to finance any of the following loan purposes:
- real estate property acquisition
- house construction
- home renovation / improvement
- refinancing / loan take-out
- reimbursement of acquisition cost
Who are qualified to apply for the loan offer? This loan is actually open for both salaried and non-salaried individuals but there are varying BDO Housing Loan requirements for application. Before checking the documents that you need to prepare, it is best to first check on the eligibility criteria.
Here are the qualifications that a loan applicant should meet to be eligible to apply for the loan offer:
- 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 years with current company
As mentioned, there are varying BDO Housing Loan requirements for application. If you are locally-employed, here are the documents required by the bank in applying for the loan offer:
If with BDO account
- completely filled-out application form
If without BDO Unibank
- Completely filled-out application form
- Photocopy of one (1) valid ID matching application details
- Marriage Contract, if applicable
- Latest three (3) months payslips
- Latest Certificate of Employment with Income (COEI)
- Latest Income Tax Return (ITR)
There are also collateral requirements or the documents pertaining to the property involved in the loan that must be included in the BDO Housing Loan requirements for application. You need to prepare the following and submit them to BDO as well:
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 reputable bank also has the multi-purpose loan offer — the BDO Cash Loan.