BDO offers one of the most competitive home loan rates in the Philippines — and through Nook, you can apply for free and get matched with the best available rate in minutes.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks, and its home loan product is a top choice for first-time buyers and property investors alike. With a 1-year fixed rate of 6.00% p.a., BDO offers accessible financing for ready-for-occupancy units, pre-selling properties, new construction, and even reselling or renovation projects. To qualify, applicants typically need a minimum monthly income of ₱50,000, and BDO accommodates a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. Approval typically takes around 30 days, making it a reliable option for buyers who need a clear timeline. For a full breakdown of what documents you'll need, see our complete guide to BDO housing loan requirements.
When applying for a BDO home loan, one of the most important factors is your Debt-to-Income (DTI) ratio — BDO requires this to be no higher than 40%. This means your total monthly debt obligations, including your new home loan payment, should not exceed 40% of your gross monthly income. For a loan of ₱3,000,000 over 20 years at 6.00%, your estimated monthly amortisation would be around ₱22,033 — well within reach for a household earning ₱60,000 or more per month. Applying through Nook gives you the added advantage of having a dedicated mortgage broker review your profile before submission, helping you avoid common application pitfalls at zero cost to you.
Already have a home loan with BDO or another bank and wondering if you could be paying less? Many Filipino homeowners are still locked into rates of 8% to 10% from loans taken out several years ago. Current BDO refinancing rates are significantly more competitive, and switching could save you tens of thousands of pesos every year. Whether you're a new buyer or an existing homeowner looking to reduce your monthly payments, Nook makes it simple to explore your options — for free. Interest rates are subject to change; always verify the latest rates with your bank or through Nook before making a financial decision.
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 home loans are open to a wide range of applicants, including private and government employees, BPO workers, self-employed individuals, licensed professionals, OFWs, and seafarers. Applicants must have a minimum monthly income of ₱50,000 and meet BDO's credit and documentation requirements. Both Filipino citizens and qualified foreign nationals purchasing property in the Philippines may apply.
BDO's current 1-year fixed home loan rate is 6.00% p.a., which applies to both new purchase loans and home equity products. Rates are fixed for the initial lock-in period and may be repriced thereafter based on prevailing market rates. We recommend verifying the latest rates directly with BDO or through Nook, as rates are subject to change.
BDO typically processes and approves home loan applications within approximately 30 days, provided all required documents are submitted correctly and completely. Incomplete submissions or property title issues can delay the process. Applying through Nook helps ensure your documents are in order before submission, reducing the risk of delays.
BDO determines your maximum loan amount based on the appraised value of the property and your capacity to pay, as assessed through your income and existing debt obligations. Your total monthly debt payments — including the new home loan — must not exceed 40% of your gross monthly income (DTI ratio). Applying through Nook gives you a free pre-assessment to help you understand how much you may qualify for before you formally apply.
BDO home loans cover a broad range of property types, including ready-for-occupancy (RFO) units, pre-selling condominiums and house-and-lot packages, new construction, reselling properties, and renovation projects. BDO also offers home equity loans if you already own a property and need to access its value. This flexibility makes BDO a practical choice for buyers at different stages of the property journey.
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