BDO housing loans start at 6.00% p.a. — see the exact eligibility criteria and documents you need, then apply through Nook for free broker assistance.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, offering competitive fixed rates starting at 6.00% p.a. for a 1-year fixed term. To qualify, applicants must be between 21 and 65 years old at the end of the loan term, earn a minimum monthly income of 50,000 pesos, and have a stable employment or business history of at least two years. BDO accepts a wide range of borrower types — including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and business owners — making it one of the most accessible lenders in the market. Loan purposes include refinancing, purchase of ready-for-occupancy and pre-selling units, new construction, renovation, home equity, foreclosed properties, and resale homes.
For salaried applicants, the core documents you'll need are a completed application form, valid government-issued IDs, your latest ITR (BIR Form 2316 or 1700), the past three months' payslips, and a certificate of employment with compensation. Self-employed applicants will need their ITR for the past two years, audited financial statements, business registration documents (SEC or DTI), and the past three months' bank statements. For OFWs, a copy of your employment contract, proof of remittance, and an SPA (Special Power of Attorney) for a local representative are typically required. Property documents — including a copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), tax declaration, and a location map — are required regardless of borrower type. For a full breakdown of BDO housing loan requirements, including property eligibility rules, see our detailed guide.
If you already have an existing home loan — whether with BDO or another bank — and your current rate is above 6.00%, refinancing through Nook could significantly reduce your monthly payment. Nook is a 100% free mortgage broker service that compares BDO and other partner banks on your behalf, handles your paperwork, and helps you secure the best available rate without any broker fees. BDO typically approves refinancing applications within 30 days, and your debt-to-income ratio must not exceed 40% of your gross monthly income. Check the latest BDO home loan interest rates for 2026 to see how your current rate compares. Interest rates are subject to change — always verify current rates with BDO or through Nook before applying.
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
BDO requires a minimum gross monthly income of 50,000 pesos for housing loan applicants. This applies to salaried employees, self-employed individuals, and professionals — though income documentation requirements differ depending on your employment type. OFWs and seafarers may use combined household income to meet this threshold.
BDO's typical approval timeline is around 30 days from the date of complete document submission. Incomplete applications or additional verification requirements can extend this timeline, so it's important to prepare all documents in advance. Applying through Nook helps ensure your file is complete before it reaches the bank, reducing unnecessary delays.
Yes, BDO accepts refinancing as a valid loan purpose, and their 6.00% p.a. 1-year fixed rate is competitive against what many borrowers are currently paying. If your existing loan rate is 7% or higher, refinancing to BDO could meaningfully reduce your monthly amortisation. Nook can run a free comparison to show you exactly how much you could save.
BDO finances a wide range of property types including ready-for-occupancy (RFO) units, pre-selling condominiums and house-and-lot projects, resale properties, new construction, and even foreclosed assets. The property must be located in the Philippines and must have a clean title — either a Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT). Home equity loans against existing titled property are also available.
BDO housing loans are available for terms typically ranging up to 20-25 years depending on the borrower's age and the loan purpose. BDO applies a maximum debt-to-income (DTI) ratio of 40%, meaning your total monthly loan obligations — including the new housing loan amortisation — should not exceed 40% of your gross monthly income. Keeping your existing debts low before applying will improve your chances of approval.
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