Get the complete BDO housing loan checklist for salaried and self-employed borrowers — plus see how refinancing through Nook could cut your monthly payment by thousands.
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Why this matters
BDO Unibank is one of the Philippines' most accessible home loan lenders, accepting borrowers across a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. To qualify for a BDO housing loan in 2026, you'll generally need to be between 21 and 65 years old at loan maturity, earn a minimum monthly income of at least 50,000 pesos, and have a debt-to-income ratio (DTI) no higher than 40%. BDO typically processes approved applications within 30 days, making it a solid choice for buyers who need a reliable timeline. For a full breakdown of eligibility rules and what affects your approval odds, see our complete BDO housing loan requirements guide.
The document checklist varies depending on your employment type. Salaried employees need to prepare a duly filled-out application form, one valid government-issued ID, certificate of employment with compensation (dated within 3 months), latest 3 months' payslips, ITR (BIR Form 2316) or BIR Form 1700, and proof of billing address. Self-employed applicants need to submit their DTI or SEC registration, business permits, audited financial statements for the past 2 years, bank statements for the past 6 months, and ITR for the past 2 years. All applicants will also need to provide property documents: a copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), a recent tax declaration, and a vicinity map or lot plan. Having these documents organized in advance can significantly speed up your approval.
Once you've secured your BDO housing loan, it's worth revisiting your rate after your fixed period ends. Many homeowners locked in rates of 8% to 10% or higher and are still paying those amounts years later — even as the market has shifted. Through Nook, you can refinance with BDO or compare across multiple partner banks to find a lower rate, potentially as low as 5.99% p.a., completely free of charge. Check out our BDO home loan interest rate guide for 2026 to understand current refinancing rates and whether switching could save you hundreds of thousands over the life of your loan. Interest rates are subject to change — always verify current rates directly with the bank 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 monthly income of 50,000 pesos for housing loan applicants. This applies across most employment types, including salaried employees, self-employed individuals, and OFWs. Your total monthly debt obligations — including the new loan payment — should not exceed 40% of your gross monthly income.
Self-employed applicants typically need to provide DTI or SEC registration, business permits, audited financial statements for the past 2 years, 6 months of bank statements, and income tax returns (ITR) for the past 2 years. Depending on the property type and loan purpose, BDO may request additional supporting documents. Preparing complete and updated files upfront helps avoid delays during processing.
BDO typically completes housing loan approvals within 30 days from the date of submission of complete documents. The timeline can be shorter if all required paperwork is in order and there are no discrepancies in your application. Working with a broker like Nook can help ensure your documents are properly organized before submission.
Yes, BDO accepts housing loan applications from OFWs and seafarers. You'll need to provide proof of income such as your employment contract, overseas employment certificate (OEC), and remittance records in addition to the standard requirements. A local co-borrower or attorney-in-fact is typically required to sign documents on your behalf while you're abroad.
Yes, refinancing is a great option if your current rate is higher than what's available in the market today. Through Nook, you can refinance your existing home loan with BDO or compare offers from multiple banks at no cost to you — Nook's service is 100% free for borrowers. Rates as low as 5.99% p.a. are currently available, and even a 1-2% reduction can translate to hundreds of thousands in savings over the remaining term of your loan. Note that interest rates are subject to change, so it's best to get a current comparison before deciding.
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