Use our free BDO home loan calculator to estimate your monthly amortization based on your salary — then see how much you could save by refinancing to as low as 5.99% p.a. through Nook.
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Why this matters
BDO Unibank is one of the Philippines' most trusted home loan providers, offering fixed rates starting at 6.00% p.a. for a 1-year fixed term through Nook. But if you took out your BDO home loan a few years ago — or you're currently paying a rate between 7% and 10% — you could be leaving tens of thousands of pesos on the table every year. Our calculator lets you input your loan amount and remaining term to instantly see what your monthly amortization should look like at today's competitive rates. Whether you're computing for a 10, 15, or 20-year term, the numbers can be eye-opening. You can also check the latest BDO home loan interest rates for 2026 to make sure you're comparing against the most current figures.
Qualifying for a BDO home loan — or refinancing your existing one — depends heavily on your monthly income. BDO requires a minimum monthly income of P50,000, and your total debt obligations (including your home loan amortization) generally should not exceed 40% of your gross monthly income. This means if you earn P60,000 a month, your maximum allowable monthly housing payment is around P24,000. Plugging these figures into a calculator helps you identify the right loan amount and term before you ever walk into a branch or submit documents. If you want to understand the full picture of what BDO requires, the complete guide to BDO housing loan requirements breaks down everything from employment types to supporting documents.
The smartest move many Filipino homeowners are making in 2026 is refinancing their existing home loans — switching from a higher rate to a lower one — without changing banks or going through the full purchase process again. Through Nook, you can compare BDO's current refinancing rates alongside other top Philippine banks including BPI, Metrobank, Security Bank, and more, all in one place and completely free. Nook's service costs borrowers nothing: we're paid by the banks, not by you. BDO's refinancing approval typically takes around 30 days, and eligible employment types include private employees, government workers, OFWs, self-employed professionals, and BPO workers. Interest rates are subject to change — always verify the latest figures with your bank or through Nook before making any financial decisions.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Your monthly amortization depends on three factors: the loan amount, the interest rate, and the loan term. For example, a 3,000,000 loan at 6.00% p.a. over 20 years results in a monthly payment of approximately 21,496 pesos. You can use Nook's free calculator above to instantly compute amortizations across different terms and rates.
BDO requires a minimum gross monthly income of P50,000 for home loan applicants. Your monthly loan amortization generally cannot exceed 40% of your gross monthly income — so at P50,000, your maximum monthly housing payment would be around P20,000. This income threshold applies to private employees, government workers, OFWs, self-employed individuals, and professionals.
As a Nook partner bank, BDO currently offers a 1-year fixed rate of 6.00% p.a. for home loans and home equity products. Rates are subject to repricing after the fixed period and may change based on market conditions — always confirm the latest rate directly with BDO or through Nook before applying.
Yes, and many Filipino homeowners are doing exactly that in 2026. If your current home loan rate is between 7% and 10%, refinancing to BDO's current rates (or another bank's competitive offer) through Nook could save you thousands of pesos every month. Nook is a free broker service — we compare multiple banks on your behalf at no cost to you.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. You share your loan details once, and we match you with the best available rates from our partner banks — including BDO, BPI, Metrobank, Security Bank, and more. We handle the comparison so you don't have to visit multiple branches, and we guide you through the application process from start to approval.
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