BDO Housing Loan Interest Rates

by Gil on September 12, 2011

The Philippines has abundant large banks and it has various types such as thrift banks, commercial banks, rural banks, credit unions, non-banks and universal banks where Banco De Oro Universal Bank or commonly known as BDO is classified.

Background of BDO

Banco de Oro was started as a thrift bank called Acme Savings Bank in 1968 and that time it was one of the smallest banks in the Philippines. In 1976, it was renamed Banco de Oro Savings and Mortgage Bank by Henry Sy and in 1994 it became a commercial bank. Today, it is one of the largest, strongest and very well-known banks in the Philippines.

BDO offers products and services such as checking accounts where you need only P15,ooo to P25,000 with 0.5% interest rate, passbook savings account for a minimum balance of P5,000 with 0.5% interest rate, remittances, UITF, ATMs, Internet banking, electronic banking, loans and many more.

Interest Rate for BDO Housing Loan

All stages for owning a home that you need including financing charges such as transfer cost, tittle registrations fees, insurances and incidental expenses were bring together by BDO Housing Loan. If you are one of those Filipinos who were renting and still dreaming for a home that you may call it your own, maybe it is for you to grab the chance as BDO Housing Loan offers as low as 7.88% fixed interest rate for one year.

Below, you will see some rates that BDO offers. The highest rate was 11.5% fixed for 16-25years.

• 7.88% fixed for 1 year
• 9.75% fixed for 2-3 years
• 10.00% fixed for 4-5 years
• 11.00% fixed for 6-10 years
• 11.25% fixed for 11-15 years
• 11.5% fixed for 16-25 years

Please take note that the interest rates above may change anytime. Just visit their website for the latest update.

You may apply BDO housing loan through online banking, it is worry-free, more easier and faster, it only requires a few time and free-hassle. In addition, you may also apply by calling 631-8000 or 1-800-10-6318000 (domestic toll-free) or visit the nearest BDO branch or BDO On-site in your area.

{ 14 comments… read them below or add one }

magilyn silva March 29, 2012 at 7:09 am

ask q lng po kng pwde po aq mg apply ng housing loan in case po n ibenta etong inuupahan q.commercial po kc eto.


lirblog March 31, 2012 at 5:59 am

Hi magilyn,

Definitely, you can apply a housing loan if you will satisfy all requirements.


Joanne Co Pablico June 15, 2012 at 10:17 pm

ask ko lng po….made-delay po yung payment ko for june 29 ng 10 days….magkano po kaya magiging interest ko n kelangan ko mabayaran….thanks


Gil June 23, 2012 at 7:36 am

Hi Joanne,

I’m not sure how much BDO is charging for late payment. You may find it here:


Roxanne Okada December 27, 2013 at 12:33 am

gud am po,gusto ko lng pong malaman if pwede po ba akong mag loan kahit nakatira ako sa japan now gusto ko sanang mag karoon ng investment sa pilipinas sariling bahay po kaya ko naman pong mag bayad hindi ko lang talaga kaya pang bumili ng cash na house and lot sa ngayon po .sana po masagot nyo ang tanong ko.


Efren Macas February 19, 2014 at 8:58 am

Gud day po!
Ask lang po kung mag apply po kmi mag-awa ng Housing loan,kmi po ay nagtratrabaho dito po Saudi Arabia.Ano po ang requirements at kailangan naming gawin bukod sa xerox ng passport,salary income,certificate of employment,mayron po kmi yan.kailangan pa ba uuwi kmi ng pinas o pwd na i Authorized sa aming magulang.So gaano po katagal ang proceso ksi 1 month lang bakasyon namin.mayron po kaming Titulo sa bahay, 12 hec.Lupa at may mga tanim na Niyog at mangga.Gusto lang po nmin magLOan at mkapag Renovate ng bahay at mkapag START ng Business.So anong dapat namin gawin…
Salamat po!


Herbert Brioso April 27, 2014 at 7:32 pm

hello po sir/ma’am,

i am a OFW and i want to try to apply your housing loan program.. ano po ung mga requirements nyo? and maliban po sa housing loan ano pa po ang mga iba pang mailoan?


arman virtudazo August 3, 2014 at 1:36 pm

good day, ask lang po if i’m qualified to apply house contraction. OFW po, pero wala
akong BDO account,but i can provide all requirements to be needed in my application my collateral is 600 sqmtr lot, but my place is in remote area, along nabunturan compostela valley seems like you dont have branch in nabunturan, can i apply one of your branch in tagum city, davao del norte. please send to my email any information.


Gil August 15, 2014 at 8:42 am

Arman, you can directly check BDO website at I think you can apply through any branch nearest you. Nasa website nila yung mga requirements for bank loan.


lanie April 9, 2015 at 11:40 am

goodeve po.. ask ko lang po kung pde ba ko magloan for housing loan?
cno po pde makausap? thanks.


Gil April 9, 2015 at 11:59 am

Pumunta ka sa BDO bank na malapit sa lugar nyo.


Adonis May 14, 2017 at 12:08 am

Ask ko lng po..mgknu po interest kpg bhy at lupa ay 1.8m


Adonis May 14, 2017 at 12:11 am

Kpg po pinsok sa banko..mgkno po mgigng interest..s 10yrs mgknu po kda buwan plz rply thanks


Adonis May 14, 2017 at 12:13 am

Mgknu po interest kpg 1.8m s loob ng 10yrs..mgknu po a month


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