BDO offers a 1-year fixed rate starting at 6.00% p.a. — but thousands of Filipino homeowners are still paying 8% or more on older loans. Here's how to check where you stand and what you could save.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and its current 1-year fixed rate of 6.00% p.a. is genuinely competitive — especially compared to the 7.5% to 9.5% rates that many existing BDO borrowers locked in during previous repricing cycles. If you took out a BDO housing loan three or more years ago and haven't refinanced, there's a strong chance your monthly amortization is higher than it needs to be. The good news is that refinancing — either back into BDO at a new rate or across to another Nook partner bank — is now faster and simpler than most homeowners expect. You can also compare BDO and PNB's current housing loan rates side by side to see which lender suits your situation better.
When you refinance your home loan, the existing balance is paid off by a new lender (or repriced by the same lender) at a lower interest rate. On a 3,000,000 peso balance with 20 years remaining, dropping from 8.00% to 6.00% reduces your monthly payment by over 3,000 pesos — that's real money back in your household budget every single month. BDO's home loan product is available to salaried employees, government workers, BPO professionals, OFWs, and self-employed borrowers, with a minimum monthly income requirement of 50,000 pesos and a maximum debt-to-income ratio of 40%. Typical approval takes around 30 days when documents are complete. For a broader view of how BDO compares across lenders, see our BDO vs Chinabank vs Robinsons Bank rate comparison.
Nook is a free digital mortgage broker that does the comparison and application work for you. We submit your profile to multiple partner banks — including BDO — and surface the best available rate for your loan amount, income, and property type. There are no broker fees, no hidden charges, and no obligation to proceed. Interest rates are subject to change; always verify the latest rates with the bank or through Nook before making a decision.
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
BDO's current 1-year fixed rate starts at 6.00% p.a. for qualified borrowers, including its Home Equity product at the same rate. Rates are subject to repricing at the end of each fixed period, so your long-term cost will depend on market conditions at each repricing date. Always confirm the latest rate schedule directly with BDO or through Nook before applying.
BDO's 6.00% 1-year fixed rate is competitive within the Philippine market, sitting at a similar level to other major lenders like BPI and Security Bank. However, the best rate for you will depend on your income profile, loan amount, and property type — different banks price risk differently. Nook can compare BDO against other partner banks for free so you can see your actual options side by side.
Yes — if your current BDO rate is above 6.00%, you may be able to refinance either back into BDO at a fresh rate or switch to another lender offering a better deal. Refinancing is typically available once your existing loan has been active for at least one year and your account is in good standing. Nook handles the comparison and application process at no cost to you.
BDO requires a minimum monthly income of 50,000 pesos and a maximum debt-to-income ratio of 40%, meaning your total monthly loan obligations should not exceed 40% of your gross income. BDO accepts borrowers across a wide range of employment types including private employees, government workers, OFWs, seafarers, self-employed individuals, and licensed professionals. Loan purposes include refinancing, home equity, renovation, new construction, pre-selling, RFO, reselling, and foreclosed properties.
BDO's typical approval timeline is around 30 days from the date of complete document submission. Delays usually happen when supporting documents — such as income proof, title copies, or tax declarations — are incomplete or need certification. Applying through Nook means you get a checklist upfront and a dedicated advisor to help you avoid common delays.
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