BDO home loan interest rates start at 6.00% p.a. — but Nook can connect you to rates as low as 5.99% p.a. for free. Find out how much you could save by refinancing today.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan lenders, offering fixed-rate periods ranging from 1 to 5 years before your loan transitions to a variable (repriced) rate. For 2026, BDO's 1-year fixed rate sits at 6.00% p.a. — competitive by Philippine bank standards. However, many existing BDO borrowers locked in rates years ago and are now paying between 8% and 10% p.a. after repricing. If you haven't reviewed your rate recently, there's a strong chance you're leaving thousands of pesos on the table every single month. You can learn more about how BDO structures its products in our BDO home loan interest rate guide for 2026.
Refinancing your BDO home loan means replacing your existing loan with a new one — either through BDO itself or through another lender — at a lower interest rate. Through Nook, you can compare BDO alongside 10+ other Philippine banks in a single application. Nook is a 100% free service for borrowers: no broker fees, no hidden charges, no obligation. Our platform does the heavy lifting of matching your profile to the lender most likely to approve you at the best possible rate. BDO accepts applications from employed, self-employed, OFW, and professional borrowers, with a minimum monthly income requirement of ₱50,000 and typical approval timelines of around 30 days.
To calculate your potential monthly savings, use the comparison above as a guide. A ₱3,000,000 loan at 8.50% p.a. over a remaining 20-year term costs significantly more per month than the same balance refinanced at 6.00% p.a. The difference compounds dramatically over time. Before your next BDO repricing date, it's worth checking whether refinancing makes sense — and Nook makes that check completely free. If you're also exploring what documents and eligibility criteria BDO requires, our complete BDO housing loan requirements guide covers everything you need to prepare. Note: interest rates are subject to change — always verify current rates directly with your lender or through Nook before making 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 1-year fixed home loan rate for 2026 is 6.00% p.a. This applies to new loan applications and refinancing. After the fixed period ends, your loan will be repriced to the prevailing variable rate, which is why monitoring your rate regularly is important.
Repricing happens when your fixed-rate period ends and BDO resets your interest rate to their current variable rate. This can cause your monthly payment to increase — sometimes significantly. If your repricing date is approaching and the new rate is higher than what's available elsewhere, refinancing to another lender through Nook could lock in a better rate before the increase takes effect.
Yes — refinancing an existing BDO home loan is one of the most common reasons Filipinos use Nook. Whether you refinance back into BDO at a new rate or switch to another partner bank, Nook compares your options across multiple lenders at no cost to you. The best time to refinance is typically 3–6 months before your current fixed period expires.
Your monthly amortization depends on your loan amount, interest rate, and remaining loan term. For example, a ₱3,000,000 loan at 6.00% p.a. over 20 years results in a monthly payment of approximately 21,492 pesos. Nook's comparison tool automatically calculates this for your specific loan details so you can see your exact savings before committing.
Yes, Nook charges borrowers absolutely nothing. Nook earns a referral fee from the bank you choose — only if your loan is successfully approved and disbursed. There are no upfront fees, no consultation charges, and no obligation to proceed after receiving your comparison results. You get the same bank rate you'd receive applying directly, with expert guidance included.
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