BDO home loan rates start at 6.00% p.a. for a 1-year fixed period — and if you already have a home loan at a higher rate, refinancing through Nook could save you thousands of pesos every month.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, offering fixed-rate periods of 1 year at 6.00% p.a. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home's equity for renovations or other needs, BDO's home loan product covers a wide range of purposes. To qualify, borrowers typically need a minimum monthly income of ₱50,000, and BDO accepts applicants from the private sector, government employees, BPO workers, OFWs, seafarers, self-employed professionals, and more. Approval usually takes around 30 days, and BDO keeps its debt-to-income ratio requirement at a manageable 40%. For a full breakdown of what you'll need to prepare, see our complete guide to BDO housing loan requirements.
If you already have a home loan — whether with BDO or another bank — and you're paying a rate of 8% or higher, there's a strong case for refinancing. Many Filipino homeowners took out their loans when rates were significantly higher and haven't reviewed their terms since. On a ₱3,000,000 loan with a 20-year remaining term, moving from 8.50% to 6.00% can reduce your monthly amortization by over ₱4,000 and save you more than ₱700,000 over the life of the loan. Nook connects you to BDO and other partner banks entirely for free — no broker fees, no commissions charged to you.
Choosing the right fixed-rate period matters, too. A 1-year fixed rate gives you BDO's lowest available entry rate, but it reprices annually based on prevailing market conditions. If you prefer longer-term predictability, Nook's mortgage advisors can walk you through the trade-offs and help you compare options across multiple lenders side by side. Read our 2026 BDO home loan interest rate guide to understand how rates are structured and what to expect at each repricing period. Note that all rates are subject to change — always verify current figures directly with the bank or through Nook before making a 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 currently offers a 1-year fixed rate of 6.00% p.a. for home purchase and refinancing loans. This rate is among the most competitive available from a major Philippine bank, though it is subject to change — we recommend checking with Nook or BDO directly for the most up-to-date figures before you apply.
BDO offers home loans for a wide range of amounts, commonly from ₱1,000,000 up to several million pesos depending on your income, the property value, and your debt-to-income ratio. BDO requires your total monthly debt obligations — including the new loan — to stay within 40% of your gross monthly income, so a higher income generally means you can borrow more.
BDO accepts borrowers from a broad range of employment types, including private-sector employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000. For a detailed checklist of documents and eligibility criteria, see our BDO housing loan requirements guide for the Philippines.
Yes — refinancing to BDO is one of the most popular use cases on Nook's platform. If you're currently paying 8% or more on a loan from another bank (or even an older BDO loan), Nook can help you apply to BDO at 6.00% with zero broker fees. The process is fully digital, and most approvals are completed within 30 days.
After the 1-year fixed period, your rate will reprice based on BDO's prevailing interest rate at that time, which is typically linked to market benchmarks. This means your monthly payment could go up or down at each anniversary. Many savvy borrowers use repricing as an opportunity to refinance again — Nook makes it easy to compare rates across banks at no cost to you whenever your rate is due for review.
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