BDO's 1-year fixed rate starts at 6.00% p.a. — but if you took out your home loan a few years ago, you could be paying 7% to 10% or more. Here's everything you need to know about BDO's 2026 rate schedule, repricing terms, and how to refinance for less.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, offering fixed-rate periods of 1 year and beyond, as well as variable and home equity options. In 2026, BDO's advertised 1-year fixed rate is 6.00% p.a. — competitive by market standards. However, after your fixed period ends, your loan automatically reprices to BDO's prevailing rate at that time, which can push your monthly payment significantly higher. Many homeowners don't realise this repricing is coming until they see a bigger deduction on their statement. If you're approaching a repricing date — or you've already been repriced to a higher rate — this is exactly the right time to review your options. You can explore BDO's current rates and refinancing guide for a deeper breakdown of how fixed terms, variable rates, and repricing schedules work together.
Refinancing your BDO home loan means transferring your outstanding balance to another bank (or back to BDO itself) at a lower rate, effectively resetting your fixed period and reducing your monthly payment. Through Nook, Filipino homeowners can compare BDO alongside other leading banks — all in one place, completely free. Nook's team of licensed mortgage specialists handles the paperwork, bank coordination, and follow-up so you don't have to. There are no broker fees charged to borrowers, ever. BDO accepts applications from private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of ₱50,000 and a typical approval timeline of around 30 days. If you're unsure whether you qualify, the BDO housing loan requirements guide walks through everything from income documents to property eligibility.
The potential savings from refinancing are substantial. On a ₱3,000,000 outstanding balance with 20 years remaining, moving from an 8.50% rate to BDO's current 6.00% rate could reduce your monthly payment by nearly ₱4,000 — that's over ₱47,000 saved in the first year alone, and more than ₱700,000 over the life of the loan. Even a 1–2 percentage point reduction makes a meaningful difference when compounded over a 15 to 20-year term. Rates are subject to change and borrowers should verify current rates directly with the bank or through Nook before making any financial decisions.
How it works
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Common questions
BDO's 1-year fixed home loan rate in 2026 starts at 6.00% p.a. for both standard home loans and home equity loans. Rates vary depending on the fixing period you choose, your loan amount, and your credit profile — so it's worth comparing options across multiple banks before committing. Always confirm the latest rates directly with BDO or through a licensed mortgage broker like Nook, as rates are subject to change.
When your fixed-rate period ends, BDO reprices your loan to their prevailing variable or fixed rate at that time — which may be higher than what you originally locked in. You'll typically receive a repricing notice 30–60 days before the change takes effect, giving you a window to accept the new rate or explore refinancing alternatives. This repricing moment is one of the most financially impactful events in your home loan journey, and many borrowers use it as the trigger to refinance to a lower rate.
Yes — Nook works with BDO as a partner bank and can help you refinance either to BDO or away from BDO to another lender offering a better rate. The entire process is free for borrowers; Nook earns a referral fee from the bank upon successful loan release. You simply submit your documents once, and Nook's mortgage specialists handle the rest, including negotiations and bank coordination.
Savings depend on your outstanding balance, remaining term, and the difference between your current rate and the new rate available to you. As a rough guide, on a ₱3,000,000 loan with 20 years remaining, dropping from 8.50% to 6.00% saves approximately ₱3,949 per month, or over ₱710,000 over the loan term. Use Nook's free calculator or speak with a Nook specialist to get a personalised savings estimate based on your actual loan details.
BDO requires a minimum monthly income of ₱50,000 and accepts borrowers across a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The maximum debt-to-income (DTI) ratio is 40%, meaning your total monthly debt obligations — including the new loan payment — should not exceed 40% of your gross monthly income. For a full list of documentary requirements, see the complete BDO housing loan requirements guide.
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