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BDO Unibank - description of the lender

Loan amount

maximum of 90% of the deposit account balance

Loan term

6 - 36 months

Company

BDO is a full-service universal bank in the Philippines. With a BDO Asenso Kabayan Secured Personal Loan, borrow as much as 90% of your BDO peso or 80% of your BDO dollar account balance.

Requirements

  • Filipino citizen or foreigner residing in the Philippines for more than two (2) years;
  • Must be 21 years old at time of application but no more than 70 years old upon maturity;
  • Minimum Gross Annual income
    - P120,000 for Salaried Employees;
    - P400,000 for Self-Employed / Professionals;
  • Must have a mobile phone and at least 1 landline phone at either residence or office;
  • Residence or office must be within BDO serviceable area;
  • Additional application requirement for Salaried Employees
    - Must be at least one (1) year tenure with the company;
    Additional application requirement for Self-Employed
    - Must be a sole proprietor or majority part-owner of a company; operating for at least two (2) years;
    Additional application requirement for Professionals
    - Must be in private practice for at least one (1) year.

    Documents

    Proof of Income for Salaried Employees
  • Photocopy of the latest BIR Form 2316 or W2 signed by employer's authorized representative (MANDATORY) and submit any of the following:
  • - Original Certificate of Employment and Income (COEI) issued in the last three (3) months indicating status, length of service and breakdown of compensation;
    - Photocopy of last full month pay slip;

    Proof of Income for Self-Employed/Professionals
  • Photocopy of Registration of Business Name;
  • For Single Proprietorship issued by the DTI (Department of Trade and Industry);
  • For Partnerships issued by the SEC (Securities and Exchange Commission)
  • - Photocopy of latest ITR and W4 with BIR/Bank Stamp (MANDATORY);
    - Photocopy of latest Audited Financial Statements for the last two (2) years;
    - Photocopy of Bank Statements for the last six (6) months (OPTIONAL);

    Proof of Identification
  • Photocopy of at least two (2) valid photo-bearing identification documents, front and back, issued and signed by an official authority.
  • Address

    7899 Makati Avenue
    Makati City 0726, Philippines

    Additional information

    (02) 631-8000
    callcenter@bdo.com.ph

    Other offers

    Minimum loan amount
    20000 ₱
    Maximum loan amount
    500000 ₱
    Minimum loan term
    6 months
    Maximum loan term
    18 months
    Max. APR
    69 %
    Minimum age
    18 years
    Loan granting
    Excellent
    Online application
    Apply now balikbayad.ph
    Who can apply:
    • - Workers currently working abroad with an active employment contract;
    • - Balik Manggagawa, or workers who previously worked abroad and planning to go back but have no specific funds;
    • - First time OFWs.
    Loans designed for Overseas Filipino Workers (OFWs)
    Representative example: Loan amount: 20000 ₱, Loan Term: 6 months, Monthly payment: 4747 ₱, Total amount repayable: 28482 ₱, APR: 69 %
    NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
    Minimum loan amount
    10000 ₱
    Maximum loan amount
    90% of the deposit account balance
    Minimum loan term
    6 months
    Maximum loan term
    36 months
    APR
    17.06 - 41.71 %
    Minimum age
    21 years
    Loan granting
    Excellent
    Online application
    Apply now bdo.com.ph
    Requirements:
    • - Filipino citizen or foreigner residing in the Philippines for more than two years;
    • - Must be 21 years old at time of application but no more than 70 years old upon maturity;
    • - Minimum Gross Annual income: P120,000 for Salaried Employees, P400,000 for Self-Employed / Professionals;
    • - Must have a mobile phone and at least 1 landline phone at either residence or office;
    • - Residence or office must be within BDO serviceable area.
    Representative example: Loan amount: 10000 ₱, Loan Term: 12 months, APR: 26.63 %
    NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
    Minimum loan amount
    10000 ₱
    Maximum loan amount
    200000 ₱
    Minimum loan term
    3 months
    Maximum loan term
    12 months
    Max. APR
    36 - 81.23 %
    Minimum age
    18 years
    Loan granting
    Excellent
    Online application
    Apply now fundko.com
    Requirements:
    • - Stable source of income;
    • - Your debt obligations do not exceed 20% of your monthly gross income.
    Representative example: Loan amount: 10000 ₱, Loan Term: 12 months, Monthly payment: 1133,33 ₱, Total amount repayable: 13599,96 ₱, APR: 36 %
    NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
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