Expert insights on loans, banking, investments, and financial planning in the Philippines
This comprehensive guide details Business Financing Solutions (BFS) loans in the Philippines, crucial for MSMEs. We cover definitions, eligibility, providers, application processes, and offer a detailed comparison of major banks.
At five years BDO, BPI, PSBank and China Bank all quote 8.00% and Metrobank 8.25%, so Philippine mortgage lenders differ less on headline rates than on how long you can fix, how much they finance and how they reprice. BDO resets at the highest of the 364-day T-bill plus 4% or its board rate, which points to about 9.4% today.
BDO advertises its personal loan at a 1,25% monthly add-on rate, but the disclosed effective interest rate runs from 25,98% to 26,76% a year — and the most expensive tenor is 18 months, not the longest. Here is the full rate table, why an add-on rate works this way, the ₱1.300 fee taken off the disbursement, and what the caps do and do not cover.
BDO car loan Philippines July 2026: ₱50,000 income floor, 20%+ down payment, age to 70 at maturity, pre-owned 6-year rule, documents, EIR disclosure and illustrative 36/48/60-month payments.
This guide details how assumable mortgages work in the Philippines. It covers banks, Pag-IBIG, eligibility, application steps, and current rates for buyers in 2026.
This guide demystifies "associated bank auto finance" in the Philippines, focusing on local bank auto loans and dealer-bank tie-ups. Learn how to compare offerings from major Philippine banks like BDO, BPI, Metrobank, PNB, and Security Bank, understand eligibility, requirements, and the application process under current BSP conditions.
This comprehensive guide examines Ascend Loans, a specialized non-bank lending service for Philippine SMEs. We compare its offerings with traditional bank loans from BDO, BPI, Metrobank, PNB, and Security Bank, highlighting key differences in eligibility, rates, and application processes.
This guide details how American Express personal loans function in the Philippines. Learn about the "Loan on Card" service offered exclusively through BDO Unibank for eligible Amex credit card holders. Understand the application process, interest rates, and eligibility criteria.
AEON Personal Loan offers quick cash solutions in the Philippines. This review covers its features, interest rates, eligibility, and comparison with major bank loans.
