Get the complete BDO housing loan requirements checklist for 2026 — and find out if refinancing through Nook could cut your monthly payment significantly.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive rates for both new purchases and refinancing. For 2026, BDO's 1-year fixed rate starts at 6.00% p.a. — making it a strong option for homebuyers and homeowners looking to reduce their borrowing costs. Whether you're buying a ready-for-occupancy unit, financing a new construction, or refinancing an existing home loan, understanding the full list of BDO housing loan requirements upfront will save you time and avoid delays in processing. For a deeper breakdown of income thresholds and supporting documents, see our BDO housing loan requirements 2026 income eligibility guide.
BDO accepts a wide range of borrower profiles including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and business owners. The minimum monthly income requirement is 50,000 pesos, and BDO typically processes approvals within 30 days. Your debt-to-income (DTI) ratio must not exceed 40%, meaning your total monthly debt obligations — including your new housing loan payment — should be within 40% of your gross monthly income. Getting your documents in order before you apply is the single most effective way to speed up your approval timeline. Our complete checklist for employed and self-employed applicants walks you through exactly what to prepare.
If you already have an existing home loan — whether with BDO or another bank — and you're paying a rate above 6.00%, refinancing through Nook could deliver meaningful savings. Nook is the Philippines' first digital mortgage broker, and the service is completely free to borrowers. We compare BDO's rates alongside other top Philippine banks so you can make a fully informed decision without any pressure or paperwork confusion. Interest rates are subject to change; always verify current rates directly with BDO or through Nook before making a final decision.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
To qualify for a BDO housing loan, you must be a Filipino citizen or a qualified foreign national, at least 21 years old at the time of application, and not older than 65 years old upon loan maturity. You must have a minimum gross monthly income of 50,000 pesos and a debt-to-income ratio that does not exceed 40%. BDO accepts salaried employees, self-employed individuals, OFWs, seafarers, and professionals across both private and government sectors.
Salaried applicants typically need to submit a duly accomplished BDO application form, valid government-issued IDs, a Certificate of Employment with compensation, and the latest one to three months' payslips. You will also need your Income Tax Return (ITR) or BIR Form 2316 for the most recent year, plus the required collateral documents such as a copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT). Additional documents may be requested depending on your loan purpose and the property type.
Self-employed applicants need to provide a duly filled application form, valid IDs, and audited financial statements for the past two years. You will also need your ITR for the last two years, a business registration document such as a DTI or SEC Certificate, and a business permit or Mayor's Permit. BDO may also request bank statements for the past three to six months to validate your income stability and cash flow.
BDO's 1-year fixed rate for housing loans is currently at 6.00% p.a. as of 2026, making it one of the more competitive options among major Philippine banks. Rates are subject to repricing after the fixed period, so it's important to understand the terms before committing. Through Nook, you can compare BDO's rates against other partner banks side by side — for free — to ensure you're getting the best deal available for your loan size and term.
Yes — Nook works directly with BDO as a partner bank, so you can use Nook to apply for a new BDO housing loan or to refinance your existing home loan through BDO. Nook's service is 100% free to borrowers; Nook earns a referral fee from the bank, not from you. The platform also lets you compare BDO's offer against other top Philippine banks so you can be confident you're choosing the most cost-effective option for your situation.
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