BDO Loan Calculator

Our free BDO loan calculator is a comprehensive tool designed to help you calculate monthly payments, loan eligibility, and repayment schedules for all types of BDO loans in the Philippines. Whether you're planning to take out a personal loan, finance a car, purchase a home or condo, apply for a business loan, get a cash loan, use credit to cash, manage credit card debt, or determine loan eligibility based on your salary, this calculator provides accurate estimates based on BDO's lending standards.

The calculator supports multiple loan types including personal loans, car loans, home loans, condo loans, business loans, cash loans, credit to cash loans, credit card loans, and salary-based loans. For personal loans, the calculator helps you understand your monthly payment obligations and total interest costs. Car loan calculations help you plan your vehicle financing with options for down payments. Home loan and condo loan calculations account for additional costs such as property tax and home insurance, giving you a complete picture of your monthly housing expenses.

BDO offers special rates for Overseas Filipino Workers (OFW) and teachers, providing lower interest rates and better terms. The calculator automatically adjusts rates when you select the OFW or teacher option, helping you see the savings you can enjoy. OFW loans typically offer 0.5% to 1% lower interest rates, while teacher loans provide preferential rates for educators. This feature is particularly valuable for OFW and teachers who want to maximize their loan benefits.

The salary-based loan calculator helps you determine how much you can borrow based on your annual income, following BDO's lending guidelines. This is especially useful for OFW and teachers who want to understand their loan eligibility. Cash loans provide quick access to funds for immediate needs, while credit to cash loans allow you to convert your credit card limit into cash. Credit card loan calculations help you understand the cost of credit card cash advances and balance transfers. Business loans support entrepreneurs and business owners with financing options for their ventures.

All calculations are performed using standard Philippine lending formulas and consider factors such as loan amount, interest rate, loan term, and optional extra payments. The payment schedule shows a detailed amortization table with all monthly payments, helping you visualize how your loan balance decreases over time. You can export the payment schedule to Excel for further analysis and record-keeping, making it easy to track your loan payments and plan your finances.

This calculator is particularly useful for comparing loan options, understanding the impact of interest rates on your monthly payments, and planning your financial future. Whether you're a first-time borrower, an OFW looking to invest in the Philippines, a teacher seeking affordable financing, or someone managing multiple loan types, our BDO loan calculator provides the insights you need to make confident financial decisions. The tool follows BSP guidelines and BDO banking standards for loan calculations, ensuring accuracy and compliance with Philippine financial regulations.

The calculator is designed for the Philippine market and uses Philippine Peso (PHP) currency formatting. It supports various loan scenarios including regular loans and loans for OFW and teachers, who benefit from preferential rates and terms. The Excel export feature allows you to save your payment schedule for offline reference and financial planning purposes. Whether you're using the BDO mobile app or planning your loan application, this calculator helps you make informed decisions about your borrowing needs, including 5-year loan terms and other flexible repayment options.