Guide on BDO Multipurpose Loan Requirements 2026 for Application
BDO MULTI-PURPOSE LOAN REQUIREMENTS 2026 – For self-employed individuals, here are the documents that you will need.
In the Philippines, BDO Unibank stands among the most trusted financial institutions, serving millions of Filipinos both locally and abroad. With more than 1,800 branches nationwide, its services are highly accessible to the public.
The bank offers a broad range of products including deposit accounts, loans, credit cards, and investment options. One of its most sought-after loan programs is the Personal Loan, a flexible cash loan designed to meet various needs such as:
- personal purchases
- travel expenses
- vehicle repairs
- tuition or school-related payments
- event costs
BDO ensures affordability by offering competitive rates, with monthly add-on interest starting at just 1.25%. The program is open to salaried employees, self-employed individuals, and practicing professionals.
Borrowers may apply for amounts up to ₱2 million. Repayment terms are available in 6, 12, 18, 24, or 36 months, depending on the applicant’s preference and age at the time of application.
Application requirements differ between employed and self-employed applicants. For those who are self-employed or professionals, the following documents must be prepared:
- Completed and signed BDO Personal Loan Application Form
- Any of the following government-issued IDs:
- Preferred IDs – Driver’s License, Philippine Passport, TIN ID, SSS ID, GSIS eCard
- Other acceptable IDs – UMID Card, PhilSys ID, Voter’s ID, Postal ID, PRC ID, PhilHealth ID
- Copy of Employment Contract or Certificate of Employment
- Letter from the Embassy (for Embassy Officials)
- Proof of income (any of the following):
- Latest Income Tax Return stamped by the Bureau of Internal Revenue (BIR) and Audited Financial Statements for the past two (2) years (mandatory)
- Business Registration (mandatory)
- For sole proprietorship – issued by the Department of Trade and Industry (DTI)
- For partnerships or corporations – issued by the Securities and Exchange Commission (SEC)
- Latest three (3) months’ bank statements (optional)
Once all requirements are ready, applicants may proceed to the nearest BDO branch to file their loan application. Have you also heard about the BDO Auto Loan?