See every BDO fixed-rate period side by side — with real sample amortizations. Then find out if you can do better with Nook's free refinancing service.
TYPICAL BDO REFINANCE SAVINGS
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and its fixed-rate packages are among the most competitive in the market. For 2026, BDO offers a 1-year fixed rate starting at 6.00% p.a. for both standard home purchase loans and home equity loans — making it an attractive option whether you're buying a property or unlocking the value of one you already own. BDO accepts borrowers across a wide range of employment types, including private employees, government workers, BPO professionals, OFWs and seafarers, the self-employed, and licensed professionals, with a minimum monthly income requirement of ₱50,000. Typical loan approval takes around 30 days, and BDO supports loan purposes including refinancing, renovation, new construction, pre-selling, RFO, reselling, and foreclosed properties. If you want to understand the full picture of BDO's current rates and how refinancing works, that guide walks through the details step by step.
What many existing BDO borrowers don't realize is that the rate they signed up for years ago — often between 7.50% and 10% — may be significantly higher than what's available today. On a ₱3,000,000 loan with 20 years remaining, dropping from 8.50% to 6.00% cuts your monthly payment by nearly ₱4,000 and saves you close to ₱1,000,000 over the life of the loan. Even borrowers who originally took out their loan with BDO can refinance — either back into BDO at a better rate, or across to another Nook partner bank if that offers a more competitive deal. Nook's platform compares options across multiple lenders so you always see the best available rate for your profile. Before you apply, it's worth reviewing the complete BDO housing loan requirements guide so you know exactly what documents to prepare.
Nook's service is completely free to borrowers — we're paid by the banks, not by you. That means you get independent advice, multi-bank comparison, and end-to-end application support at no cost. If you're currently paying more than 6.00% on your home loan, there's a real chance refinancing through Nook could save you tens of thousands of pesos every year. Interest rates are subject to change and we recommend verifying current rates directly with BDO or through Nook before making any 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's 1-year fixed rate for home loans in 2026 starts at 6.00% p.a., applicable to both standard home purchase loans and home equity loans. Rates for longer fixed periods (3-year, 5-year, etc.) are typically higher and should be confirmed directly with BDO or through Nook, as they are subject to change. Nook can help you compare BDO's current rates against other partner banks to find the best deal for your situation.
BDO accepts borrowers from a wide range of employment backgrounds — including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your total debt obligations (including the new home loan payment) should not exceed 40% of your gross monthly income. Typical loan approval takes around 30 days from submission of complete documents.
Yes — Nook works with BDO as a partner bank, which means you can refinance your current home loan into BDO (or from BDO to another lender) through Nook's free service. If you're currently paying 7.50% or higher, refinancing to BDO's 6.00% fixed rate could significantly reduce your monthly payment and total interest cost. Nook handles the comparison, paperwork, and bank coordination on your behalf at no charge to you.
BDO's home loan program covers a broad range of purposes: refinancing an existing loan, home equity (releasing equity from a property you own), buying a ready-for-occupancy (RFO) or pre-selling property, purchasing a resale or foreclosed property, new construction, and renovation. This flexibility makes BDO suitable for a wide variety of borrower needs. If you're unsure which loan purpose applies to your situation, Nook's advisors can help you identify the right product.
On a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to 6.00% reduces your monthly payment from approximately ₱26,035 to ₱22,153 — a saving of around ₱3,882 per month or over ₱46,000 per year. Over the full remaining term, that adds up to more than ₱900,000 in total interest savings. Your actual savings will depend on your outstanding balance, remaining term, and the rate you're currently paying — use Nook's free calculator to get a personalised estimate.
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