BDO's current 1-year fixed rate starts at 6.00% p.a. — but if you haven't repriced recently, you could be paying as much as 9% or more. Find out exactly what you should be paying.
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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 with a current rate of 6.00% p.a. for both standard home loans and home equity products. That's genuinely competitive — but the catch is that many existing BDO borrowers are still locked into older repricing cycles at rates of 8%, 9%, or even higher. If your loan hasn't been reviewed recently, there's a strong chance you're leaving thousands of pesos on the table every single month. You can check everything you need in our BDO home loan interest rate guide for 2026.
Refinancing your BDO home loan — whether you stay with BDO or move to a different lender — resets your rate to today's market levels and can dramatically reduce your monthly amortization. Nook is the Philippines' first digital mortgage broker, and we compare BDO's current offers alongside rates from 10+ other banks entirely for free. There are no broker fees charged to you, ever. BDO accepts borrowers from a wide range of employment types including private sector employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and business owners — with a minimum monthly income requirement of 50,000 pesos and typical loan approval within 30 days. If you want to understand what documents you'll need before you apply, our complete BDO housing loan requirements guide walks you through everything step by step.
The sample calculations on this page assume a 3,000,000 peso outstanding loan balance with a 20-year remaining term. Your actual savings will depend on your current rate, remaining balance, and term. Use Nook's free comparison tool to get a personalised figure in minutes — no commitment required. Please note that interest rates are subject to change; always verify the latest rates directly with BDO 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
BDO's current 1-year fixed rate for home loans is 6.00% p.a., which also applies to their Home Equity product. This rate is available to eligible borrowers across employment types including salaried employees, OFWs, and self-employed professionals. Rates are subject to change, so it's best to confirm the latest schedule through Nook or directly with BDO.
BDO offers a 1-year fixed rate period, after which your loan is repriced based on prevailing market rates at the time of repricing. This means your monthly payment can increase significantly after the fixed period expires if market rates have risen or if you don't negotiate a new rate. Refinancing before or at repricing time is one of the most effective ways to lock in a lower rate and avoid payment shock.
Yes — you can either reprice within BDO (asking them to apply a new fixed rate to your existing loan) or fully refinance with a different bank through Nook. Full refinancing typically gets you access to the most competitive rates across multiple lenders, while repricing keeps you with BDO but may offer fewer options. Nook compares both paths for free so you can make the best decision for your situation.
BDO requires a minimum monthly income of 50,000 pesos and a debt-to-income ratio of no more than 40%. They accept borrowers from a broad range of employment backgrounds including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Loan purposes covered include refinancing, home equity, renovation, reselling, and new construction, among others.
Yes, completely free. Nook earns a referral fee from the bank when a loan is successfully processed — you pay nothing for the comparison, application support, or broker service. You get access to rates from BDO and 10+ other Philippine banks with a single application, with no hidden charges on your side.
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