BDO offers one of the Philippines' most competitive housing loan rates — starting at 6.00% p.a. fixed — and Nook helps you apply for free, with no bank visits required.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home lenders, offering housing loans for purchases, construction, renovation, and refinancing. Their 2026 fixed rates start at 6.00% p.a. for a 1-year fixed term — one of the most accessible entry rates among major Philippine banks. With a minimum monthly income requirement of just ₱50,000 and a typical approval timeline of 30 days, BDO is a strong fit for salaried employees, BPO workers, OFWs, government staff, and self-employed professionals alike. If you're comparing options, our BDO home loan interest rate guide for 2026 breaks down how their rates stack up across fixed periods.
Whether you're buying a ready-for-occupancy condo, a resale house and lot, or a pre-selling property, BDO's housing loan covers a wide range of purposes — including home equity and foreclosed property acquisitions. For borrowers already carrying a BDO or other bank housing loan at 7.5% or higher, refinancing through Nook can unlock significant monthly savings without any broker fees. Nook is 100% free to borrowers, and our team handles the paperwork, comparisons, and follow-ups on your behalf. Before you apply, it's worth reviewing the complete BDO housing loan requirements so you know exactly what documents to prepare.
Applying for a BDO housing loan through Nook takes minutes online. Once you submit your details, our mortgage specialists match your profile against BDO's eligibility criteria and flag any gaps before you submit — reducing the risk of delays or rejections. BDO's 40% maximum debt-to-income ratio is standard for Philippine banks, meaning your total monthly loan obligations (including the new housing loan) should not exceed 40% of your gross monthly income. Note that interest rates are subject to change; always verify the latest rates with Nook or directly with BDO before finalising 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 housing loan rate starts at 6.00% p.a. for a 1-year fixed term as of 2026. This applies to both new purchase loans and refinancing. Rates are subject to change, so we recommend checking with Nook for the most up-to-date offer before you apply.
BDO typically approves housing loans within 30 days from submission of complete documents. Delays are most common when supporting documents are incomplete or income verification takes longer for self-employed applicants. Applying through Nook helps ensure your file is complete before it reaches BDO, which can speed up the process.
BDO requires a minimum monthly income of ₱50,000 for housing loan applicants. This applies across employment types including private employees, government workers, OFWs, BPO workers, and self-employed professionals. Combined income from spouses may be considered to meet this threshold.
Yes — refinancing is one of BDO's supported loan purposes, and Nook specialises in helping Filipino homeowners switch to lower rates. If you're currently paying 7.5% or more on a home loan with any bank, refinancing to BDO's 6.00% rate could save you thousands of pesos every month. Nook's service is completely free to borrowers.
BDO housing loans cover a broad range of property types including ready-for-occupancy (RFO) units, pre-selling properties, resale house and lots, new construction, renovation projects, foreclosed properties, and home equity loans. Both condominium units and titled land with improvements are generally eligible, subject to BDO's appraisal and collateral requirements.
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