BDO offers competitive housing loan rates starting at 6.00% p.a. — and if you're currently paying more, Nook can help you refinance for free and cut your monthly payment significantly.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering housing loans for a wide range of purposes — from ready-for-occupancy (RFO) units and pre-selling condos to refinancing, renovation, and home equity. Their 2026 1-Year Fixed Rate starts at 6.00% p.a., making them one of the more competitive options for Filipino homebuyers and homeowners looking to reduce their borrowing costs. BDO accepts borrowers from a broad range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed, with a minimum monthly income requirement of P50,000. Typical loan approval takes around 30 days, and BDO maintains a maximum debt-to-income (DTI) ratio of 40%. For a full breakdown of what BDO requires to approve your application, see our complete BDO housing loan requirements guide for the Philippines.
If you already have an existing home loan — whether with BDO or another bank — and your current interest rate is above 6.00%, refinancing could save you thousands of pesos every month. Many Filipino homeowners are still paying rates of 7% to 10% or higher on loans taken out several years ago, simply because they haven't explored their options. Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We compare rates across BDO and our other partner banks so you get the best deal without the legwork. To understand how BDO's rates have moved and what refinancing could mean for your loan, read our BDO home loan interest rate guide for 2026.
Using the savings calculator above, a homeowner with a P3,000,000 outstanding loan currently paying 8.50% p.a. could reduce their monthly payment substantially by refinancing to BDO's 6.00% rate through Nook. Over a 20-year remaining term, that difference compounds into significant long-term savings. The process is straightforward: submit your details through Nook, we match you with the best available rate, and we handle the coordination with the bank — all at no cost to 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 housing loan rate currently starts at 6.00% p.a. as of 2026. This applies to both new home purchases and refinancing of existing loans. Rates are subject to change, so it's best to confirm the latest figures directly through Nook or with BDO before applying.
BDO accepts a wide range of borrower profiles including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and professionals. The minimum monthly income requirement is P50,000, and your total monthly debt obligations should not exceed 40% of your gross monthly income.
BDO housing loans can be used for purchasing ready-for-occupancy (RFO) or pre-selling properties, new construction, reselling, refinancing an existing home loan from another bank, home renovation, home equity (cash-out), and acquiring foreclosed properties. It's one of the most versatile home loan products available in the Philippine market.
BDO's typical loan approval timeline is around 30 days from the time you submit a complete set of documents. Working through Nook can help streamline this process since our team reviews your application before submission to make sure everything is in order, reducing the chance of delays due to incomplete requirements.
No — Nook's service is completely free to borrowers. We earn a referral fee from the bank, not from you. You get access to Nook's full mortgage brokering service, rate comparison across partner banks, and application support at zero cost, which means you have nothing to lose by letting us find you the best available rate.
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