» Competitive/Low Processing Fees
Processing Fee: P1,200
Documentary Stamps: P1.00 for every P200 approved loan amount (applicable to approved loan amount > P250 or for business purpose regardless of the amount)
Late Payment Fee: 3% per month (on unpaid installments)
» No Collateral, No Guarantor, No Deposit Required
Use it for almost anything and everything
Health and Wellness
Special Events (weddings/anniversaries/etc.)
Balance Transfer/Debt Consolidation
Personal Investments (business/insurance)
Lot Down Payments
» Loan Amount
» Loan Release
Credit to BDO account
» Flexible Payment Terms
Choice of payment terms that suit client's needs
Pay in 6 months, 12 months, 18 months, 24 months or 36 months
» Fixed Monthly Payments
Easy on the budget
Pay the same amount every month
» Various Payment Options
Auto-debit BDO account
Post Dated Checks
» Earn Reward Points via BDO Rewards
Which can be redeemed at any SM Department Store for items of your choice.
» Apply at your Convenience
At any BDO or Onsite Branches nearest you and submit your application form and complete documents.
» Re-Availment Feature or Top-Up Loan
Additional loan equal to or greater (submission of new income docs) than the original loan
Subject to at least 50% paid up loan from the original loan term
Part of the proceeds will be used to pay-off outstanding balance of original loan.
» Eligibility Criteria
21-70 years old
o Employed: Regular employee at current employer for at least 2 years; or at least 2 years combined employment with present and previous employer
:: Sole proprietor, partner, or a shareholder of a company
:: Business should have been operating for at least 2 continuously successful and profitable years;
:: Business is acceptable
:: Practicing his/her profession for at least 2 continuously successful and profitable years
:: Profession is acceptable
Minimum Income Requirement:
o P120,000/yr - Employed
o P400,000/yr - Self-employed & Professional
o Must be residing at BDO serviceable areas
o Must be a resident at his/her current or previous address for at least two years
o Residence area must be acceptable
» Documentary Requirements
Properly accomplished and signed SuperLite application form
Valid ID (Passport; Driver's License; PRC ID; TIN, SSS, GSIS, or Pag-Ibig ID; Company ID; Other government issued IDs)
o Latest BIR Form 2316
o Any of the following:
:: Original Certificate of Employment & Compensation
(issued within the past 3 months)
:: Copy of latest full month payslip (original)
o Latest BIR Form 1701
o Complete business papers (single, partnership or corporation)
o Audited Financial Statements for the last two years
o Any of the ff: Bank Statements for the last 6 months/Other verifiable proof of income or business volume such as amount of purchases from suppliers, volume of sales to investments.
Frequently Asked Questions
1. How do you compute for the monthly amortization?
The formula is PTR, where P stands for principal, T stands for the term, and R stands for interest rate:
o R X T = AOR (Add-on Rate)
o P X (AOR + 100%) = TLA (Total Loan Amount)
o TLA/T = MA (Monthly Amortization)
Let's assume for a SuperLite Personal Loan:
o P = P30,000
o T = 12 months
o R = 1.3%
o 1.3% X 12 months = 15.60
o P30,000 X (15.60 + 100) = P34,680.00
o P34,680.00/12 months = P2,890.00/month
2. Is the total loan proceeds the same as the approved loan amount?
No, the Processing Fee and DST will be deducted from the loan proceeds.
3. Can the client pay for the entire loan before it matures? How?
Yes, the client can. Client calls up BDO Call Center to inquire about his/her remaining balance.
4. Will the client be charged a pre-termination fee?
No pre-termination fee will be charged from clients.
5. When can a borrower avail of another loan?
As soon as client has paid up at least 50% of the original loan tenor.
6. Are all re-availments guaranteed of approval?
No, all application is subject for credit evaluation.