BDO offers one of the Philippines' most accessible housing loans — with rates starting at 6.00% p.a. and approval in as fast as 30 days. Apply through Nook for free broker assistance and zero added cost.
SAMPLE SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks — and their housing loan product reflects that reputation. With a 1-year fixed rate of 6.00% p.a., BDO offers competitive pricing for Filipino homebuyers and homeowners looking to refinance. The bank accepts a wide range of borrower profiles including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income requirement of just ₱50,000. Whether you're buying a ready-for-occupancy unit, financing a pre-selling property, or funding a renovation, BDO has a loan purpose that fits your situation. You can learn more about BDO housing loan requirements to check if you qualify before applying.
If you already have an existing home loan — whether with BDO or another bank — refinancing could significantly reduce your monthly payments. Many Filipino homeowners are still paying rates of 8% to 10% or higher, often because their fixed-rate period has expired and their loan rolled over to a much steeper rate. By refinancing to BDO's current 6.00% rate through Nook, you could save thousands of pesos every month without paying a single peso in broker fees. Nook's service is completely free to borrowers — we're compensated by the bank, not by you. For a deeper look at how BDO's rates compare over time, check out our BDO home loan interest rate guide for 2026.
Applying through Nook means you get expert guidance at every step — from checking your eligibility and preparing your documents, to submitting your application and following up with BDO on your behalf. BDO typically processes housing loan applications within 30 days, and with Nook in your corner, you'll avoid common delays caused by incomplete submissions. The bank maintains a maximum debt-to-income (DTI) ratio of 40%, so we'll help you understand exactly how much you can borrow before you apply. Interest rates are subject to change — we recommend verifying the latest rates with Nook or directly with BDO before proceeding with 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 current 1-year fixed rate for housing loans is 6.00% p.a., which also applies to their Home Equity loan product. This rate is among the most competitive available from a major Philippine commercial bank in 2026. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with BDO before submitting your application.
BDO accepts applicants from a wide range of employment backgrounds, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱50,000 and a total debt-to-income ratio of no more than 40%. Meeting these baseline requirements doesn't guarantee approval, but Nook can help you assess your eligibility before you apply.
BDO's housing loan can be used for a broad range of purposes: purchasing ready-for-occupancy (RFO) or pre-selling units, buying resale or foreclosed properties, funding new construction, financing home renovations, taking out a home equity loan, or refinancing an existing mortgage. This flexibility makes BDO a strong option for both first-time buyers and existing homeowners looking to restructure their debt.
BDO typically completes housing loan approvals within 30 days from the time a complete application is submitted. One of the most common causes of delays is incomplete or incorrect documentation, which is where Nook's assistance becomes especially valuable. Our team reviews your documents before submission to minimise back-and-forth with the bank and help keep your application on track.
Yes — Nook's mortgage brokering service is 100% free for borrowers. We do not charge application fees, consultation fees, or any hidden costs. Nook is compensated directly by partner banks like BDO when a loan is successfully facilitated, so you get expert support and access to competitive rates at no cost to you.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →