BDO offers competitive housing loan rates starting at 6.00% p.a. — but if you're already paying 7% or more, you could be saving thousands every month without switching banks.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering financing for ready-for-occupancy properties, pre-selling condominiums, lot purchases, house construction, and home equity loans. In 2026, BDO's housing loan interest rate starts at 6.00% p.a. on a 1-year fixed term — making it one of the more competitive options available to Filipino borrowers today. Minimum monthly income requirement is ₱50,000, and BDO accepts a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Typical loan approval takes around 30 days, and BDO maintains a maximum debt-to-income ratio of 40%. For a deeper look at how BDO's rates compare across fixing periods, see our BDO home loan interest rate guide for 2026.
Whether you're a first-time buyer or an existing homeowner, understanding the full cost of your BDO housing loan is critical. Monthly amortizations on a ₱3,000,000 loan at 8.50% over 20 years reach approximately ₱26,164 — but at BDO's current rate of 6.00%, that same loan costs closer to ₱22,115 per month. That's a difference of over ₱4,000 every single month. If you already have a home loan — with BDO or any other bank — and your rate is higher than 6.00%, refinancing through Nook could dramatically reduce what you pay. Nook is a 100% free mortgage broker service that compares offers from multiple Philippine banks on your behalf, including BDO, so you always get the best deal without the paperwork headache.
Before you apply, it's worth understanding exactly what BDO requires from applicants. From income documents and employment certificates to property appraisals and title requirements, the checklist can feel overwhelming — but it doesn't have to be. Our complete guide to BDO housing loan requirements walks you through every document you'll need, step by step. And remember: whether you're applying fresh or refinancing an existing loan, Nook's advisors can guide you through the entire process at zero cost to you. Interest rates are subject to change — always verify the latest rates directly 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 housing loan interest rate starts at 6.00% p.a. on a 1-year fixed term as of 2026. Rates vary depending on the fixing period you choose — longer fixed periods typically carry slightly higher rates. Always confirm the latest rates with BDO directly or through Nook, as rates are subject to change.
BDO accepts applications from a wide range of borrowers, including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱50,000 and your total monthly debt obligations must not exceed 40% of your gross monthly income. Filipino citizens and qualified foreign nationals may apply.
BDO typically processes and approves housing loan applications within 30 days, provided all required documents are complete and the property appraisal is done. Incomplete submissions are the most common cause of delays, so preparing your documents in advance is strongly recommended. Applying through Nook gives you a dedicated advisor who helps ensure your file is complete before submission.
Yes — BDO accepts home loan refinancing applications, and Nook can help you apply as a free mortgage broker. If your current rate is above 6.00%, refinancing to BDO's current rate could save you tens of thousands of pesos per year. Nook compares BDO's offer alongside other partner banks so you're guaranteed to see your best available option before deciding.
BDO's housing loan covers a broad range of purposes: purchase of ready-for-occupancy (RFO) or pre-selling properties, home construction on a titled lot, home renovation, reselling, foreclosed property acquisition, and home equity loans for existing BDO borrowers. This flexibility makes BDO a strong choice for both first-time buyers and homeowners looking to unlock the value of their property.
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