BDO's 1-year fixed home loan rate starts at 6.00% p.a. — but most existing BDO borrowers are still paying 7% to 9% or more. Here's what you need to know before your next repricing date.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, offering fixed-rate periods of 1, 2, 3, 5, and 10 years before loans reprice to a variable rate tied to BDO's prevailing board rate. In 2026, BDO's 1-year fixed rate for new and refinancing borrowers is 6.00% p.a. — a meaningful drop from the 8% to 9% rates that many existing borrowers locked in during 2021 to 2023. If your loan is approaching a repricing date, now is the time to review whether staying with BDO or refinancing to a lower rate through another lender makes better financial sense. You can also compare BDO against PNB's current housing loan rates to see which bank offers the better deal for your situation.
Understanding BDO's repricing schedule is critical for homeowners who want to avoid payment shock. When your fixed-rate period ends, BDO reprices your loan based on current market conditions — and if rates have moved up since you first borrowed, your monthly amortisation can increase significantly. Borrowers who proactively refinance before their repricing date often lock in lower rates and avoid this uncertainty entirely. Through Nook, you can apply to refinance with BDO or compare BDO's offer against other partner banks — all at zero cost to you. BDO accepts applications from private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and professionals, with a minimum monthly income requirement of 50,000 pesos and typical approval in around 30 days.
If you're an existing BDO borrower, it's worth checking what rate you're currently paying and comparing it to what's available in the market today. A 2 to 3 percentage point difference on a 3,000,000 peso loan translates to tens of thousands of pesos saved every year. Nook's free service helps you gather offers from multiple banks — including BDO — so you can make an informed decision without the legwork. For a broader view of how BDO stacks up against other lenders, see our three-way comparison of BDO, Chinabank, and Robinsons Bank home loan rates. Note that all interest rates are subject to change — always verify current rates directly with the bank or through Nook before making any financial decisions.
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Common questions
BDO's 1-year fixed home loan rate in 2026 is 6.00% p.a. for both new purchase and refinancing applications. Rates for longer fixed periods (2, 3, 5, or 10 years) are typically higher, and all rates are subject to change — check with BDO or apply through Nook to get the most current figures.
When you take out a BDO home loan, your interest rate is fixed for the period you choose (e.g., 1 or 3 years). After that period ends, BDO reprices your loan based on its prevailing board rate at the time of repricing. If rates have risen since you first borrowed, your monthly payment will increase — which is why many borrowers choose to refinance before their repricing date.
Yes — refinancing allows you to move your existing home loan to a new lender offering a lower interest rate, reducing your monthly amortisation. You can also refinance within BDO if they offer a competitive repricing deal. Nook can help you compare both options for free, so you'll know exactly which path saves you more money.
BDO requires a minimum monthly income of 50,000 pesos and a maximum debt-to-income ratio of 40%. The bank accepts applications from private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and professionals. Typical loan approval takes around 30 days from submission of complete documents.
Yes — Nook's mortgage brokering service is 100% free for borrowers. Nook earns a referral fee from the bank, not from you, so you get access to BDO's rates and a side-by-side comparison with other lenders at no cost. There are no hidden fees or obligations to proceed after receiving your loan comparison.
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