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Have something to add to this story. Share it in the comments. Banco de oro cash loan in ofw worker. BDO Kabayan Program - Unsecured. BDO Kabayan Program - Secured. Basic Requirements. Filipino citizen or foreigner residing in the Philippines for more than two (2) years Must be 21 years old at time of application but no more than 70 years old upon maturity Minimum Gross Annual income P120,000 for Salaried Employees P400,000 for Self-Employed Professionals Must have a mobile phone and at least 1 landline phone at either residence or office Residence or office must be within Simple personal loan agreement serviceable area Additional application requirement for Salaried Employees Must be at least one (1) year tenure with the company Additional application requirement for Self-Employed Must be a sole proprietor or majority part-owner of a company operating for at least two (2) years.
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