BDO offers a 1-year fixed rate starting at 6.00% p.a. for housing loans in 2026 — and through Nook, you can apply or refinance for completely free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks, and its housing loan product remains a top choice for Filipino homebuyers and property investors in 2026. BDO offers a competitive 1-year fixed interest rate of 6.00% p.a., with loan purposes ranging from ready-for-occupancy (RFO) and pre-selling units to renovation, refinancing, and home equity. With a minimum monthly income requirement of just ₱50,000 and an approval timeline of around 30 days, BDO is accessible to a wide range of borrowers — including private employees, government workers, BPO professionals, OFWs, and the self-employed. For a full breakdown of what documents and qualifications you'll need, see our complete BDO housing loan requirements guide.
If you already have an existing home loan — whether with BDO or another bank — and you're currently paying a rate above 7%, there's a strong chance you're overpaying every single month. Many Filipino homeowners took out loans when rates were between 8% and 10%, and haven't revisited their terms since. Refinancing your loan to BDO's current 6.00% rate through Nook could cut your monthly amortization by thousands of pesos. For a deeper look at how BDO's rates have shifted and what refinancing could mean for you, read our BDO home loan interest rate guide for 2026.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We work directly with BDO and other leading banks to find you the most competitive rate available, handle the paperwork, and guide you through every step of the application or refinancing process. Whether you're buying your first home or looking to reduce the cost of your existing mortgage, Nook makes the process faster, simpler, and entirely fee-free. Note that interest rates are subject to change — always verify the latest rates with your bank or through Nook before making a financial decision.
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 is 6.00% p.a. as of 2026, which also applies to their Home Equity loan product. Rates are subject to repricing after the fixed period ends, so it's important to review your loan terms carefully and compare options at repricing time. Nook can help you monitor this and act quickly when a better rate is available.
BDO accepts applications from a wide range of borrowers, including private and government employees, BPO workers, OFWs and seafarers, self-employed individuals, and licensed professionals. You'll generally need a minimum monthly income of ₱50,000 and a debt-to-income ratio (DTI) of no more than 40%. For a complete list of requirements and supporting documents, visit our BDO housing loan requirements guide.
BDO typically processes and approves housing loan applications within approximately 30 days, provided all required documents are submitted correctly and completely. Incomplete submissions are one of the most common causes of delays, which is why applying through Nook — where our team reviews your documents before submission — can help speed up the process.
Yes, Nook assists both first-time homebuyers and existing borrowers looking to refinance. Our platform guides you through the entire application process, from checking your eligibility to submitting documents to BDO on your behalf — all at no cost to you. First-time buyers often find Nook especially helpful since navigating bank requirements can be overwhelming without expert support.
If you're currently paying a rate of 7% or higher, refinancing to BDO's 6.00% rate could save you tens of thousands of pesos per year depending on your outstanding loan balance. On a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to 6.00% can reduce your monthly amortization by nearly ₱4,000. Since Nook's service is completely free to borrowers, there's no cost to finding out exactly how much you could save.
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