BDO Unibank offers one of the Philippines' most trusted housing loan programs — with a 1-year fixed rate of 6.00% p.a. Apply through Nook for free and skip the guesswork.
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Why this matters
BDO Unibank is one of the Philippines' largest banks and a go-to choice for housing loans in 2026. Whether you're buying a ready-for-occupancy condo, building a new home, or refinancing an existing loan, BDO offers a range of loan purposes including RFO, pre-selling, renovation, home equity, and refinancing. Their 1-year fixed rate of 6.00% p.a. is competitive in today's market, and with a minimum monthly income requirement of ₱50,000 and a maximum debt-to-income ratio of 40%, BDO caters to salaried employees, government workers, BPO professionals, OFWs, and the self-employed alike. Typical approval takes around 30 days when your documents are complete. For a full breakdown of what BDO looks for in applicants, see our complete guide to BDO housing loan requirements.
If you already have an existing home loan — whether with BDO or another bank — refinancing in 2026 could be one of the smartest financial moves you make. Many Filipino homeowners are still paying rates of 8% to 10% or higher, locked in from loans taken out several years ago. Switching to BDO's current 6.00% fixed rate through Nook could reduce your monthly payment by thousands of pesos and save you hundreds of thousands over the life of your loan. The savings example above is based on a ₱3,000,000 loan with a 20-year remaining term — run your own numbers using Nook's free mortgage calculator to see what you could save. You can also explore BDO's current home loan interest rates and how they compare for a deeper rate analysis.
Applying through Nook is completely free for borrowers. As the Philippines' first digital mortgage broker, Nook handles the comparison, paperwork coordination, and bank submission on your behalf — saving you time and giving you access to multiple lenders in a single application. There's no fee, no obligation, and no hard sell. Just a faster, clearer path to the right home loan for your situation. Note: Interest rates are subject to change. Please verify current BDO rates at the time of 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 housing loan rate is currently 6.00% p.a., which also applies to their Home Equity loan product. This rate is subject to change, so it's best to confirm the latest figure when you're ready to apply. Nook always displays up-to-date partner bank rates so you can compare accurately before committing.
BDO accepts applications from a wide range of employment types including private sector employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is ₱50,000, and your total debt obligations must not exceed 40% of your gross monthly income. Age and citizenship requirements also apply — Nook can help you assess your eligibility before you apply.
BDO housing loans cover a broad range of purposes: purchasing a ready-for-occupancy (RFO) or pre-selling property, new construction, renovation, home equity (cash-out), acquiring foreclosed properties, reselling, and refinancing an existing home loan from BDO or another bank. This flexibility makes BDO a practical choice whether you're a first-time buyer or a seasoned homeowner looking to restructure your debt.
BDO's typical approval timeline is around 30 days from the date your complete documents are submitted. Delays most commonly occur when documents are missing, inconsistent, or require additional verification — particularly for self-employed applicants or OFWs. Applying through Nook helps because our team reviews your documents before submission to reduce the chance of back-and-forth with the bank.
Yes, Nook's service is 100% free for borrowers. Nook earns a referral fee from the bank upon successful loan release, so there's no cost to you at any stage of the process. You get access to Nook's mortgage advisors, document checklist, and multi-bank comparison — all without paying a single peso in broker fees.
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