BDO offers one of the Philippines' most competitive housing loan rates — and through Nook, you can compare BDO against top banks and apply for free. See how much you could save by refinancing today.
BDO REFINANCE SAVINGS ESTIMATE
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted financial institutions, and its housing loan product reflects that reputation. With a 1-year fixed rate starting at 6.00% p.a., BDO offers accessible financing for home purchases, construction, renovation, and refinancing — covering property types from pre-selling condos and ready-for-occupancy units to resale homes and foreclosed properties. Minimum monthly income requirement is P50,000, and BDO accommodates a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. Typical loan approval takes around 30 days, and BDO's maximum debt-to-income ratio is 40%, giving most qualified borrowers meaningful borrowing capacity. For a full breakdown of what documents you'll need, see our complete BDO housing loan requirements guide.
If you already have a BDO housing loan — or a loan with another bank — refinancing could be one of the smartest financial moves you make in 2026. Many Filipino homeowners are still paying rates of 8% to 10% or higher, locked in during previous repricing cycles. By refinancing to BDO's current 6.00% rate through Nook, a borrower with a P3,000,000 outstanding balance on a 20-year term could reduce their monthly amortization by nearly P4,000 and save over P700,000 in total interest across the life of the loan. Nook's service is 100% free to borrowers — no broker fees, no hidden charges. Our advisors handle the paperwork, bank coordination, and follow-up on your behalf.
Nook works with BDO and other leading Philippine banks including BPI, Metrobank, Security Bank, RCBC, and more — so you're not limited to a single offer. We compare rates across our full panel of lenders and match you with the best deal for your situation. Whether you're a first-time applicant or looking to refinance an existing loan, understanding BDO's current interest rates and how they compare is the first step to making a smarter borrowing decision. Start your free comparison with Nook today — it takes less than five minutes. Note: interest rates are subject to change; please verify current rates with BDO or through Nook before submitting 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 housing loan rate starts at 6.00% p.a. for both standard home loans and home equity products. Rates are subject to repricing after the fixed period and may change — it's always best to verify the latest rates directly with BDO or through Nook before applying.
BDO accepts applications from a broad range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll generally need a minimum monthly income of P50,000 and a debt-to-income ratio that doesn't exceed 40% after the new loan is factored in.
Yes — refinancing is one of BDO's listed loan purposes, making it a strong option if you're looking to lower your interest rate or monthly payments. Through Nook, you can check if BDO or another partner bank offers the best refinance deal for your specific loan balance and remaining term, all at no cost to you.
BDO's typical approval timeline is around 30 days from submission of complete documents. Having all your requirements ready upfront — including proof of income, property documents, and government-issued IDs — can help avoid delays. Nook's advisors can guide you through the checklist to keep your application on track.
No — Nook's mortgage brokering service is completely free for borrowers. Nook is compensated directly by the bank upon successful loan disbursement, so you get expert guidance, bank comparison, and application support at zero cost. You can apply through Nook and still receive the same BDO rates available through any other channel.
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