BDO offers a 1-year fixed rate of 6.00% p.a. — but if you're on an older loan, you could be paying significantly more. Check if refinancing could save you thousands every year.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive fixed-rate packages for new purchases, refinancing, and home equity loans. For 2026, BDO's 1-year fixed rate stands at 6.00% p.a. — one of the more accessible rates available from a major bank. However, if you took out your home loan several years ago, your current rate may have repriced upward and could now sit anywhere between 7.50% and 10% or higher, depending on your original terms and how many repricing cycles you've been through. That gap between what you're paying and what's currently available is exactly where Filipino homeowners are quietly losing money every month.
Refinancing your BDO home loan — or switching to BDO from another lender — can be a straightforward way to lock in a lower rate and reduce your monthly amortisation. Through Nook, you can apply to BDO and compare it against other partner banks at no cost. BDO accepts borrowers from a wide range of employment backgrounds including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of ₱50,000. Typical loan approval takes around 30 days, making BDO a practical option for homeowners who want a reliable timeline. For a full breakdown of what documents and qualifications you'll need, see our complete guide to BDO housing loan requirements.
Whether you're looking to refinance an existing loan or simply want to understand where BDO's rates stand in 2026, the smartest first step is to calculate your potential savings with your actual loan balance and remaining term. Nook's service is 100% free to borrowers — we're compensated by the banks, not by you. 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. If you'd like a deeper dive into how BDO's rates compare across different fixed periods, our BDO home loan interest rate and refinancing guide covers the full picture.
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 both new purchase loans and refinancing, including home equity loans. Rates are subject to change, so it's best to confirm the latest figures with BDO directly or through Nook before applying.
Yes — if your current BDO loan has repriced to a higher rate after your initial fixed period, refinancing can help you lock in a lower rate and reduce your monthly payments. You can refinance within BDO or switch to another lender through Nook, whichever gives you the better deal. Nook's comparison service is completely free for borrowers.
BDO requires a minimum monthly income of ₱50,000 for home loan applicants. This threshold applies across employment types including salaried employees, self-employed professionals, OFWs, and government workers. BDO also applies a maximum debt-to-income ratio of 40%, meaning your total monthly loan obligations should not exceed 40% of your gross monthly income.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. This is a standard turnaround for a major Philippine bank and applies to both new purchase and refinancing applications. Having all your requirements ready upfront helps avoid delays — see our complete BDO application guide for the full document checklist.
It depends on the size of your remaining balance and the rate difference involved — but in many cases, yes. Even with a shorter remaining term, a meaningful rate reduction (say, from 8.5% to 6.00%) on a balance of ₱2 million or more can still translate to hundreds of thousands of pesos in total interest saved. Nook can run the exact numbers for your situation at no charge.
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