BDO offers a 1-year fixed rate starting at 6.00% p.a. — but if you took out your home loan years ago, you could be paying far more. See how much you can save by refinancing through Nook for free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate terms, competitive processing, and loan purposes ranging from ready-for-occupancy purchases to refinancing and home equity. For 2026, BDO's 1-year fixed rate starts at 6.00% p.a. — an attractive entry point for new borrowers and a benchmark worth comparing against what you're currently paying. If your existing BDO loan was repriced after an initial fixed period, your rate may have climbed to 8%, 9%, or even higher. That gap translates directly into thousands of pesos leaving your pocket every month. You can explore the full picture in our BDO home loan interest rate and refinancing guide.
Refinancing your BDO home loan — whether to BDO itself or to another Nook partner bank offering a sharper rate — is one of the most effective ways to reduce your monthly obligations without changing your home. On a ₱3,000,000 outstanding balance with 20 years remaining, the difference between an 8.50% rate and a 6.00% rate is roughly ₱3,836 per month. Over the life of the loan, that compounds into significant savings you could redirect toward other financial goals. Nook shops across multiple partner banks simultaneously so you get the best available offer — and our service is completely free to you as the borrower.
BDO accepts applications from a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. The minimum qualifying monthly income is ₱50,000, and approvals typically take around 30 days. If you're unsure whether you qualify or want to know what documents you'll need, our complete guide to BDO housing loan requirements walks you through everything step by step. Interest rates are subject to change — always verify the current rate with Nook or BDO before submitting your application.
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 starts at 6.00% p.a. for 2026. This applies to both new purchase loans and refinancing applications. Rates are subject to change, so it's worth checking with Nook to confirm the latest available offer before you apply.
Yes — you can refinance your BDO loan either back to BDO at a new fixed rate or to a different Nook partner bank that may offer a more competitive rate for your profile. Nook compares options across multiple banks at no cost to you, so you always see the best available deal before committing.
On a ₱3,000,000 loan with 20 years remaining, switching from 8.50% to 6.00% saves approximately ₱3,836 per month, or over ₱46,000 per year. Total savings over the remaining loan term could exceed ₱690,000 — money that stays in your household budget instead of going to interest.
BDO requires a minimum monthly income of ₱50,000 and accepts borrowers from private employment, government, BPO, OFW/seafarer work, self-employment, and licensed professions. Your total debt-to-income ratio should not exceed 40%. For a full checklist of documents and eligibility criteria, see our BDO housing loan requirements guide for the Philippines.
BDO's typical approval timeline is around 30 days from submission of complete documents. Applying through Nook can help streamline the process because our team reviews your documents before submission and ensures nothing is missing. Since Nook is a free service, there's no downside to letting us manage the application on your behalf.
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