BDO offers a 1-year fixed rate starting at 6.00% p.a. — but most existing BDO borrowers are still paying 7% to 9% after repricing. See exactly what you could save by refinancing today.
TYPICAL BDO BORROWER SAVINGS
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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 with a current rate of 6.00% p.a. for both standard home purchase loans and home equity products. That headline rate is competitive — but it only applies for the initial fixed period. Once your loan reprices, the rate adjusts to BDO's prevailing board rate, which for many existing borrowers has crept up to between 7% and 9% p.a. over recent years. If you haven't reviewed your loan since it was first approved, there's a strong chance you're paying significantly more than you need to. For a full breakdown of BDO's current rate tiers and how they compare across fixed periods, see our BDO home loan interest rate guide for 2026.
Refinancing your BDO home loan — either back to BDO at a new promotional rate or to another lender through Nook — can lock in today's lowest available rate of 5.99% p.a. and reduce your monthly amortization by thousands of pesos. On a ₱3,000,000 outstanding balance with 20 years remaining, moving from 8.00% to 5.99% saves over ₱3,500 every single month. That's more than ₱42,000 a year you keep in your pocket instead of paying to the bank. Nook's service is completely free to borrowers — we're paid by the banks, not by you. Before you apply directly, it's worth understanding BDO's housing loan requirements so you know what documents to prepare and whether you qualify.
BDO accepts applications from a wide range of borrower profiles including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. Minimum monthly income requirement is ₱50,000, and BDO typically approves loans within 30 days. Maximum debt-to-income ratio is 40%, meaning your total monthly loan obligations — including the new home loan payment — should not exceed 40% of your gross monthly income. Nook compares BDO's offer against every other partner bank simultaneously, so you always see who is offering the best rate for your specific profile before you commit to anything.
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 both home purchase loans and home equity products. This rate applies during the initial fixed period — after repricing, your rate will move to BDO's prevailing board rate, which varies based on market conditions at the time of repricing.
At the end of your fixed-rate period, BDO will reprice your loan to their current board rate, which is typically higher than the initial promotional rate. Many borrowers who took out loans between 2018 and 2022 are now paying 7% to 9% p.a. after repricing — if this applies to you, refinancing could significantly reduce your monthly payment.
Yes — you can refinance your BDO loan either back to BDO at a new fixed rate or to a different bank offering a more competitive rate. Nook compares all available lenders for free and can identify whether staying with BDO or switching banks will give you the better deal based on your outstanding balance and remaining term.
On a ₱3,000,000 balance with 20 years remaining, refinancing from 8.00% down to 5.99% p.a. reduces your monthly amortization by approximately ₱3,519 — that's over ₱42,000 saved in the first year alone. Over the remaining 20-year term, the total interest savings exceed ₱600,000.
Yes, Nook's service is 100% free to borrowers. Nook is compensated directly by the banks when a loan is successfully placed, so you pay nothing to access rate comparisons, document assistance, or application support. There are no hidden fees charged to you at any point in the process.
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