Use Nook's free calculator to compute your exact BDO monthly amortization — then see how much you could save by refinancing to as low as 5.99% p.a. Most BDO borrowers are overpaying by thousands every month.
POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and for good reason — their housing loan products are accessible, their branch network is massive, and their approval process is well-established. BDO's current 1-year fixed rate starts at 6.00% p.a., which is genuinely competitive for the local market. But if you took out your BDO home loan a few years ago, there's a strong chance you're still locked into a rate of 8% to 10% — and that gap translates directly into money leaving your pocket every single month.
This is where refinancing through Nook changes the picture. Instead of manually computing amortization scenarios across multiple banks, Nook does the comparison for you — for free. As a Nook partner bank, BDO is one of several lenders competing for your refinance, which means you get real offers, not estimates. BDO accepts refinancing applications from private employees, government workers, OFWs, self-employed professionals, and BPO workers, with a minimum monthly income requirement of 50,000 and typical approval in around 30 days. If you're weighing your options, it's worth reading our BDO vs PNB housing loan comparison to see how the rates stack up side by side.
When you use Nook's calculator, you're not just getting a number — you're getting a realistic picture of what refinancing could save you over the remaining life of your loan. A borrower with a 3,000,000 balance paying 8.50% today could reduce their monthly payment significantly by refinancing to a lower rate. Over a 15-year horizon, those monthly differences compound into hundreds of thousands of pesos in total savings. If you want to see how BDO compares against other lenders in the refinancing space, our RCBC vs BDO refinancing comparison breaks down the key differences in rates, terms, and eligibility. Interest rates are subject to change — always verify current rates directly with your lender 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
Your monthly amortization depends on three variables: your outstanding loan balance, your current interest rate, and your remaining loan term. You can use Nook's free calculator by entering these three figures to get your exact monthly payment — no sign-up required. For a 3,000,000 loan at 8.50% over 20 years, for example, the monthly amortization would be approximately 26,123.
BDO's current 1-year fixed home loan rate is 6.00% p.a. as of 2026, making it one of the more competitive offers in the Philippine market. However, rates are subject to change and re-pricing applies after your fixed period ends, so it's important to verify the latest rates through Nook or directly with BDO before applying.
Yes — BDO is a Nook partner bank, which means you can apply to refinance your existing home loan to BDO at no cost through Nook's platform. Nook handles the paperwork, comparison, and submission on your behalf, and you benefit from BDO's competitive rates, 30-day typical approval timeline, and acceptance of multiple employment types including OFWs and self-employed borrowers.
BDO requires a minimum monthly income of 50,000 for housing loan applicants. This applies across employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. BDO also applies a maximum debt-to-income ratio of 40%, meaning your total monthly loan obligations should not exceed 40% of your gross monthly income.
Your savings depend on the gap between your current rate and the best available refinance rate, which is currently as low as 5.99% p.a. through Nook. A borrower with a 3,000,000 balance at 8.50% could save nearly 4,000 per month by refinancing — that's close to 720,000 in total savings over a remaining 15-year term. Use Nook's free calculator to see your personalised savings estimate based on your actual balance and rate.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →