BDO housing loans are open to salaried employees, OFWs, self-employed professionals, and more — with a minimum monthly income of just ₱50,000 and approval in as fast as 30 days.
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Why this matters
BDO Unibank is one of the Philippines' most accessible home loan lenders, with a straightforward set of requirements designed to accommodate a wide range of Filipino borrowers. To qualify, you must be a Filipino citizen (or a foreign national married to a Filipino), between 21 and 65 years old at loan maturity, and earning a minimum monthly income of ₱50,000. BDO accepts applicants from the private sector, government employees, BPO workers, OFWs and seafarers, self-employed individuals, and licensed professionals — making it one of the more inclusive options available. Their current 1-year fixed rate starts at 6.00% p.a. for both standard home loans and home equity products. For more on how BDO's rates compare, see our BDO Home Loan Interest Rate 2026 guide.
In terms of documents, BDO typically requires two valid government-issued IDs, a recent certificate of employment and pay slips (for salaried borrowers), or audited financial statements and business registration papers (for self-employed applicants). OFWs will also need to provide their employment contract, POEA documentation, and proof of remittance. For the property itself, you'll need a copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), a recent tax declaration, and a vicinity map. If you're refinancing, your existing loan statement of account will also be required. Nook helps you organize and submit all of these documents digitally — completely free of charge.
If you're already an existing BDO borrower wondering whether you're paying too much, it's worth checking whether refinancing makes sense for your situation. Many homeowners are currently locked into rates between 7% and 10%, while BDO's Nook-accessible rate sits at 6.00% p.a. — a difference that can translate to tens of thousands of pesos saved every year. Nook acts as your free mortgage broker, comparing BDO alongside other partner banks so you get the best possible deal without paying a single peso in broker fees. Rates are subject to change, so we always recommend verifying current BDO housing loan requirements and rates before you apply.
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 for housing loan applicants. This applies across employment types — including salaried employees, self-employed individuals, OFWs, and licensed professionals. Combined spousal income may also be considered to help you qualify for a higher loan amount.
BDO accepts any two government-issued photo IDs, such as a passport, driver's license, SSS/GSIS ID, PRC license, PhilHealth card, or Postal ID. At least one ID should show your signature and current address. Make sure both IDs are valid and not expired at the time of application.
Yes, BDO explicitly accepts OFWs and seafarers as eligible borrowers. You'll need to provide your employment contract, POEA documentation, proof of remittance, and the standard property documents. Nook can help OFW applicants prepare and submit everything remotely, without needing to be in the Philippines.
BDO typically requires the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), the latest tax declaration for land and improvements, a location or vicinity map, and a floor plan or lot plan. For refinancing applications, you'll also need your current loan's statement of account and mortgage documents.
BDO's typical approval timeline is around 30 days from the submission of complete documents. Delays often occur when requirements are incomplete, so it pays to prepare everything in advance. Applying through Nook helps streamline the process — our team reviews your documents before submission to minimize back-and-forth with the bank.
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