BDO housing loans now start at 6.00% p.a. — but if you're on an older rate, you could be overpaying by thousands every month. Refinance through Nook for free and see how much you can save.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive fixed rates starting at 6.00% p.a. for a 1-year fixed term. Whether you're buying a ready-for-occupancy property, financing new construction, or looking to refinance your existing BDO home loan to a lower rate, BDO offers flexible loan purposes and accommodates a wide range of employment types — including private employees, government workers, OFWs, seafarers, self-employed professionals, and BPO employees. The minimum qualifying monthly income is 50,000, and most applications are approved within 30 days.
Many Filipino homeowners took out their housing loans when rates were between 7% and 10%. If your current loan is still on one of those older rates, refinancing to BDO's current 6.00% could meaningfully reduce your monthly amortisation. On a 3,000,000 loan with 20 years remaining, the difference between an 8.50% rate and 6.00% amounts to thousands of pesos every single month — money that could go toward your family's needs instead. Before committing to your current lender's re-pricing offer, it's worth checking what BDO and other banks can offer you through Nook's free comparison service.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We do the legwork of comparing BDO's housing loan against other partner banks so you get the best available rate without paying a single centavo in broker fees. Check the complete BDO housing loan requirements to understand what documents you'll need, then apply through Nook in minutes. Note: Interest rates are subject to change. Please verify current rates with BDO or through Nook before making 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 currently offers a 1-year fixed rate of 6.00% p.a. for housing loans, including refinancing. This is one of the most competitive rates available in the Philippine market right now. Rates are subject to change, so we recommend verifying the latest figures with BDO directly or by applying through Nook, where we confirm live rates on your behalf.
BDO offers home loans for a wide range of property types and purchase prices, with loanable amounts typically starting from 1,000,000 and going up depending on your income, the appraised value of the property, and your debt-to-income ratio. BDO applies a maximum DTI (debt-to-income ratio) of 40%, meaning your total monthly loan obligations — including the new housing loan — should not exceed 40% of your gross monthly income. A minimum monthly income of 50,000 is required to qualify.
BDO's typical housing loan approval timeline is around 30 days from submission of complete documents. The actual timeline can vary depending on the complexity of your application, the property type, and how quickly supporting documents are verified. Applying through Nook can help streamline the process, as our team helps ensure your documents are complete and correctly submitted from the start.
BDO accepts a broad range of employment and income types, including private sector employees, government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. This makes BDO one of the more accessible banks for Filipino borrowers across different income sources. The key requirement is meeting the minimum monthly income threshold of 50,000 and maintaining a debt-to-income ratio within BDO's 40% cap.
If your current home loan rate is above 7%, refinancing to BDO's 6.00% fixed rate could result in significant monthly and long-term savings — potentially hundreds of thousands of pesos over the life of your loan. Nook's refinancing service is 100% free for borrowers, so there's no cost to finding out how much you could save. We compare BDO against other partner banks to make sure you're getting the best rate available for your situation.
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