BDO offers competitive housing loan rates starting at 6.00% p.a. — and through Nook, you can apply or refinance for free and see if you qualify for an even lower rate today.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks, and its housing loan product is a popular choice for Filipinos buying a home, refinancing an existing loan, or unlocking equity from a property they already own. For 2026, BDO's 1-year fixed housing loan rate is 6.00% p.a. — a competitive option compared to what many homeowners are currently paying. Whether you're purchasing a ready-for-occupancy unit, a pre-selling property, or funding a renovation, BDO's housing loan covers a wide range of purposes. You can learn more about what documents and qualifications you'll need in our complete BDO housing loan application guide.
If you already have a home loan — with BDO or any other bank — refinancing could be one of the most impactful financial moves you make in 2026. Many Filipino homeowners are still paying rates of 8% to 10% or higher, locked in from years ago. By refinancing to BDO's current 6.00% rate, a borrower with a 3,000,000 peso loan could save nearly 4,000 pesos every single month. That's real money back in your pocket, without changing your lifestyle. Nook's free mortgage broker service makes it easy to compare BDO against other lenders and find the best deal for your specific situation — with no broker fees charged to you at any point.
Applying through Nook means you get expert guidance throughout the entire process, from document preparation to bank submission and approval follow-up. BDO typically approves housing loans within 30 days, requires a minimum monthly income of 50,000 pesos, and accepts borrowers across employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and business owners. For a deeper look at BDO's current rates and how they compare, visit our BDO home loan interest rate guide for 2026. Note that all interest rates are subject to change — always verify the latest rates directly with BDO or through Nook before making a 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. This rate applies to both new purchases and refinancing, and is available through Nook at no cost to the borrower. Rates are subject to change, so it's best to confirm the latest figures when you apply.
BDO accepts applicants who are at least 21 years old and not older than 65 at the end of the loan term, with a minimum monthly income of 50,000 pesos. Eligible employment types include private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Both Filipino citizens and qualified foreign nationals may apply.
BDO's housing loan covers a wide range of property needs, including purchase of ready-for-occupancy (RFO) and pre-selling properties, home construction, renovation, reselling, refinancing of an existing home loan from another bank, and home equity or cash-out loans. This makes it a flexible option whether you're a first-time buyer or an existing homeowner.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. Applying through Nook can help streamline this process because Nook's team reviews your documents before submission to ensure everything is in order. This reduces the risk of back-and-forth delays with the bank.
Yes — Nook's mortgage broker service is completely free for borrowers. Nook is compensated by the bank, not by you, so there are no broker fees, application fees, or hidden charges on your end. You get expert guidance, bank comparisons, and full application support without paying anything extra.
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