BDO offers a 1-year fixed rate starting at 6.00% p.a. — but most existing borrowers are still locked into rates of 7% to 10%. Here's how to read the schedule, understand repricing, and find out if you're overpaying.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and their 2026 rate card reflects a competitive starting point: a 1-year fixed rate of 6.00% p.a. for qualified borrowers. But understanding BDO's full interest rate schedule requires knowing how their repricing works. After your initial fixed period ends — whether that's 1, 3, or 5 years — your loan reprices to the prevailing rate at that time, which is typically higher. Many homeowners who took out loans between 2018 and 2023 are now sitting on repriced rates of 8% to 10%, paying thousands more per month than they need to. If you want to see how BDO's pricing stacks up against the competition, our BDO vs PNB housing loan comparison breaks down the full rate schedules side by side.
The fixed vs. variable distinction is critical for Filipino borrowers to understand. A fixed-rate period gives you payment certainty — your monthly amortisation stays the same regardless of market movements. Once that period lapses, your loan shifts to a variable or re-fixed rate based on the bank's benchmark, which in BDO's case is tied to their internal cost of funds. This means a loan that started at 6.50% in 2021 may have already repriced to 8.50% or higher by 2025. The good news: repricing moments are also your clearest opportunity to refinance. You are not locked in forever, and switching to a lender offering today's best rates through Nook costs you nothing in broker fees. You may also want to explore the BDO vs Chinabank vs Robinsons Bank comparison to see which lender suits your loan profile.
Through Nook, BDO is a verified partner bank with a minimum monthly income requirement of 50,000 pesos, a maximum debt-to-income ratio of 40%, and a typical approval timeline of 30 days. BDO accepts a wide range of borrower types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed — and supports loan purposes from refinancing and renovation to new construction and pre-selling properties. Nook's service is completely free to you as the borrower: we handle the comparison, paperwork coordination, and bank submission at no charge. Note that interest rates are subject to change; always verify the current rate with BDO or through Nook before submitting your application.
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Common questions
BDO's current 1-year fixed home loan rate starts at 6.00% p.a. for qualified borrowers in 2026. Rates vary depending on your loan term, fixed period selected, and individual credit profile. Always confirm the latest rate directly with BDO or through a free broker like Nook, as rates are subject to change without notice.
Once your fixed-rate period expires, BDO will reprice your loan based on their prevailing rate at the time of repricing. This new rate is often significantly higher than your original locked-in rate, which is why many borrowers see their monthly payments jump at the 1-, 3-, or 5-year mark. This repricing date is the ideal moment to compare offers and consider refinancing to a lower rate.
A fixed rate offers payment stability and protection against rate increases during the fixed period, making it easier to budget. A variable or shorter fixed period may start lower but exposes you to market fluctuations upon repricing. For most Filipino homeowners with a 15- to 25-year loan, locking in a competitive fixed rate during a low-rate environment — like the current 6.00% available through Nook — tends to offer the best long-term value.
Yes, you can refinance your BDO home loan — either to a new BDO product or to a different bank entirely offering a better rate. Refinancing is most cost-effective when your remaining loan balance is at least 1,000,000 pesos and you have at least 10 years remaining on your term. Nook can help you compare BDO's refinancing options against other partner banks for free, with no obligation.
Nook is a licensed digital mortgage broker and BDO is one of our verified partner banks. When you apply through Nook, we assess your profile, identify the most competitive loan offer across our bank network, and manage the submission process on your behalf — at zero cost to you. BDO accepts applications through Nook from a wide range of borrowers including employees, OFWs, and the self-employed, with a typical approval timeline of 30 days.
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