Adulting 101: How to Get a Personal Loan from BDO Without Adulting Too Hard
Let's face it, adulting is tough. Between the never-ending bills, the existential dread, and the constant urge to nap under your desk, it's easy to feel like you're drowning in a sea of responsibilities.
But fear not, fellow adult-ish human! Sometimes, a little financial help can go a long way. And that's where BDO's Personal Loan comes in, like a knight in shining armor...except instead of a horse, it rides on a metaphorical wave of financial freedom.
 |
| How To Have Personal Loan In Bdo |
So, you want a BDO Personal Loan? Buckle up, buttercup, because here's the not-so-adulting guide to getting one:
Step 1: Assess Your Adultness Level (Optional, but Highly Entertaining)
Tip: Note one practical point from this post.
- Do you make your bed most days (or at least throw a decorative pillow on top of the rumpled mess)? Adult Points +1
- Can you cook something besides instant noodles without setting off the fire alarm? Adult Points +2
- Have you successfully folded a fitted sheet without questioning the meaning of life? Adult Points +5 (Congratulations, you're practically an adulting rockstar!)
If you scored above 3, you're probably qualified to proceed. If not, maybe consider mastering basic adulting skills before applying for a loan.
Step 2: The Not-So-Scary Eligibility Quiz
BDO has some requirements, but they're not trying to be your evil loan overlord:
QuickTip: Look for lists — they simplify complex points.
- Be a Filipino citizen or a resident for over 2 years.
- Be at least 21 years old and not older than 60 upon loan maturity. (They don't discriminate against the young or the young at heart, as long as your heart is young enough to handle some responsibility.)
- Meet the minimum income requirement: This depends on if you're a salaried employee, self-employed, or a professional, but it's all clearly listed on the BDO website https://www.bdo.com.ph/personal/loans/personal-loan.
Basically, if you're a responsible, semi-adult human being with a decent income, you're in the game!
Step 3: Gather Your Grown-Up Stuff (a.k.a. Documents)
This is where things get slightly less fun, but hey, adulting rarely involves confetti cannons. Here's what you'll need:
QuickTip: Slow down when you hit numbers or data.
 |
- Proof of ID: Think driver's license, passport, or any government-issued ID that screams "I'm a real person, I swear!"
- Proof of income: Pay slips, bank statements, or your tax return - basically anything that proves you're not a financial black hole.
- Other documents: Depending on your situation, you might need additional documents like business permits or proof of remittance. (Don't worry, BDO has a handy checklist on their website https://www.bdo.com.ph/personal/loans/personal-loan to make sure you're not missing anything.)
Step 4: Submit Your Application and Adult Like Nobody's Watching
You can do this at any BDO branch nationwide, or even online if you're feeling particularly adult-ish. Then, wait patiently (because adulting also involves delayed gratification, sigh). BDO will review your application and let you know their decision within a few banking days.
Tip: Keep your attention on the main thread.
Step 5: Celebrate (or Adult Even Harder, Depending on the Outcome)
If you get approved, do a little happy dance (because responsible adults can still celebrate!). If not, don't despair! There are other options available, and BDO can help you explore them. Remember, adulting is a journey, not a destination, and sometimes that journey involves a few detours.
Remember, this is just a lighthearted guide. For all the official details and requirements, head over to the BDO website https://www.bdo.com.ph/personal/loans/personal-loan. They have all the serious stuff you need to know, presented in a way that, hopefully, won't make you cry from adulting overload.
 |
