BDO home loan rates start at 6.00% p.a. for new borrowers — but if you took out your loan a few years ago, you could be paying 8% or more and not even know it's time to reprice or refinance.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and for good reason — they offer competitive fixed-rate periods, flexible loan purposes, and broad eligibility across employment types including private employees, government workers, OFWs, seafarers, BPO employees, self-employed professionals, and business owners. BDO's 1-year fixed rate currently sits at 6.00% p.a., which is among the most accessible entry points in the Philippine home loan market. However, after your fixed period ends, your loan automatically reprice to whatever BDO's prevailing rate is at that time — and many homeowners are surprised to find their rate has quietly climbed to 8%, 9%, or even higher. If you haven't reviewed your loan since you first signed, there's a real chance you're overpaying every single month. You can find a full breakdown of how repricing works in our BDO home loan interest rate and refinancing guide.
Refinancing through Nook means comparing BDO's current rates alongside offers from 10+ other partner banks — all in one place, at no cost to you. Nook's service is 100% free for borrowers; we're compensated by the bank, not by you. Whether you want to stay with BDO at a better repriced rate or move to a new bank offering a lower fixed rate, Nook's mortgage specialists will help you model both scenarios and choose the option that saves you the most. The best refinance rate currently available through Nook is 5.99% p.a. — and on a ₱3,000,000 loan, even a 2-percentage-point drop can mean saving hundreds of thousands over the life of your loan.
Eligibility for a BDO home loan or refinance requires a minimum monthly income of ₱50,000, and BDO typically completes approvals within 30 days — faster than many borrowers expect. Their maximum debt-to-income (DTI) ratio is 40%, which means your total monthly loan obligations should not exceed 40% of your gross monthly income. If you're unsure whether you qualify or want to check what documents you'll need, our complete guide to BDO housing loan requirements walks you through everything step by step. Apply through Nook today and let us do the rate shopping for you.
Note: Interest rates are subject to change. Please verify current rates with BDO or through Nook before making any financial decisions.
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 is currently 6.00% p.a., making it one of the more competitive entry rates among Philippine banks. Rates are subject to change, so it's worth confirming the latest figures directly with BDO or by applying through Nook, where a mortgage specialist can pull current offers across multiple banks at the same time.
Once your fixed-rate period expires, BDO will reprice your loan based on their prevailing rate at that time, which is typically higher than your original fixed rate. Many borrowers don't actively monitor this and end up paying a significantly elevated rate for years — reviewing your loan at or before your repricing date can unlock meaningful savings.
Yes — Nook can help you refinance whether you want to stay with BDO at a negotiated repriced rate or switch to a different partner bank offering a lower rate. The process is fully facilitated by Nook at zero cost to you, and you'll be able to compare multiple bank offers side by side before making a decision.
BDO requires a minimum monthly income of ₱50,000 and accepts a wide range of employment types including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. Your total monthly debt obligations must not exceed 40% of your gross income, which is BDO's maximum DTI threshold.
BDO typically completes the approval process within 30 days, which is relatively fast for a Philippine bank loan. Applying through Nook can help streamline this further, as our specialists will ensure your documents are complete and correctly submitted before the application is forwarded to BDO — reducing the chance of delays.
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