Estimate your BDO housing loan amortization in seconds — then see if you can lower your rate to 5.99% p.a. through Nook, completely free.
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Why this matters
The BDO housing loan calculator helps you estimate your monthly amortization based on your loan amount, term, and the applicable fixed interest rate period. For 2026, BDO's 1-year fixed rate starts at 6.00% p.a. — one of the more competitive rates among Philippine banks. But if you're an existing homeowner with an older loan, there's a good chance your current rate is significantly higher. Many borrowers we speak with are still paying between 7% and 10% — rates that were locked in years ago and haven't been reviewed since. That gap between your current rate and what's available today is real money leaving your pocket every month. Compare rates across BDO, BPI, RCBC, and more to see how much you could be saving.
Nook's free calculator lets you model different scenarios: change the loan amount, adjust the remaining term, or toggle between fixed periods to see exactly how each variable affects your monthly payment. Whether you're planning a new purchase or exploring refinancing your existing BDO or other bank loan, the numbers here give you a realistic baseline before you commit to anything. BDO is a Nook partner bank, which means borrowers who apply through Nook get access to BDO's full product range — including home equity loans and refinancing — with no broker fees charged to you, ever.
If your calculation shows a payment that's higher than it needs to be, refinancing through Nook could be the most straightforward way to fix it. Nook submits your application to multiple banks simultaneously, including BDO, so you're always comparing real offers rather than guessing. The best rate currently available through Nook is 5.99% p.a. — and the entire process is handled digitally, with typical BDO approvals taking around 30 days. Learn more about BDO's approval timeline so you know exactly what to expect once you apply.
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 for 2026 is 6.00% p.a., making it one of the more competitive options among major Philippine banks. This rate applies to both new purchase loans and refinancing, subject to credit evaluation and BDO's standard eligibility criteria. Rates are subject to change, so always confirm the current rate directly with BDO or through Nook before proceeding.
Your monthly amortization is calculated using your loan amount, interest rate, and remaining loan term — the standard amortization formula divides your principal and interest into equal monthly payments over the life of the loan. For example, a 3,000,000 loan at 6.00% p.a. over 20 years results in a monthly payment of approximately 21,492. Use Nook's calculator above to model your specific scenario and adjust the inputs to match your actual loan details.
BDO requires a minimum monthly income of 50,000 and accepts a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The maximum debt-to-income ratio is 40%, meaning your total monthly loan obligations — including the new housing loan — should not exceed 40% of your gross monthly income. For a full breakdown of required documents and eligibility criteria, see our BDO housing loan requirements guide.
Yes — refinancing to BDO is one of the most popular use cases on the Nook platform, especially for borrowers currently paying rates above 7%. Nook submits your refinancing application to BDO and other partner banks simultaneously, so you can compare real offers side by side before choosing. The service is completely free for borrowers; Nook is compensated by the bank when a loan is approved.
The calculator uses standard amortization math and the verified partner rate of 6.00% p.a. for BDO, giving you a highly accurate estimate of your principal and interest payment. Keep in mind that your actual monthly billing may include other charges such as mortgage redemption insurance (MRI), fire insurance, and any applicable fees, which are not reflected in the base amortization figure. For a complete picture of your total monthly cost, it's worth requesting a formal loan offer from BDO directly or through Nook.
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