Estimate your BDO housing loan amortisation instantly — then see how much you could save by refinancing to as low as 5.99% p.a. through Nook, completely free.
POTENTIAL MONTHLY SAVINGS
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Why this matters
If you have an existing BDO housing loan — or you're shopping for a new one — knowing your monthly amortisation is the first step to making a smart financial decision. BDO Unibank is one of the Philippines' largest home loan lenders, currently offering a 1-year fixed rate of 6.00% p.a. for qualified borrowers. But many existing homeowners are still paying rates of 8% or higher from loans taken out several years ago, when fixed-rate periods were shorter and repricing pushed payments up significantly. On a 3,000,000 loan with 20 years remaining, moving from 8.00% to 6.00% alone could reduce your monthly payment by over 2,900 pesos — that's real money back in your pocket every single month.
Nook is the Philippines' first digital mortgage broker, and we work directly with BDO as a verified partner bank. That means when you apply for a BDO home loan or refinance through Nook, you get access to BDO's current rates, a dedicated mortgage specialist to guide your application, and a fully digital process — all at zero cost to you. BDO accepts borrowers from private employment, government, BPO, OFW/seafarer, self-employed, and professional sectors, with a minimum monthly income requirement of 50,000 pesos and typical approval in around 30 days. If you're weighing BDO against other lenders, our BDO vs PNB housing loan rate comparison breaks down the differences in detail.
Whether you're calculating payments for a new purchase or considering refinancing your existing loan, the numbers often tell a compelling story. Over a 15-year remaining term, even a 2% rate reduction on a 3,000,000 loan saves you more than half a million pesos in total interest. Nook's role is to shop the market across multiple partner banks — including BDO — to find you the lowest available rate. You can also explore how BDO stacks up against other lenders in our RCBC vs BDO home loan rates comparison. Please note that interest rates are subject to change — always verify current rates directly with the bank or through a Nook specialist before making any financial decisions.
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 currently offers a 1-year fixed rate of 6.00% p.a. for home loans, including refinancing and home equity purposes. Rates are subject to change based on market conditions, so we recommend verifying the latest rates with BDO directly or through a Nook mortgage specialist before applying.
Your monthly amortisation is calculated using standard loan amortisation formula based on your principal loan amount, interest rate, and remaining loan term. For example, a 3,000,000 loan at 6.00% p.a. over 20 years results in an estimated monthly payment of around 21,491 pesos. Using a calculator like Nook's gives you an instant estimate, though the final amount will depend on BDO's assessment and any applicable fees.
Yes — BDO is a verified Nook partner bank, which means you can apply to refinance your existing home loan to BDO entirely through Nook's platform at no cost to you. Nook handles the paperwork, coordinates with BDO, and assigns you a dedicated mortgage specialist to manage the process from application to approval.
BDO requires a minimum monthly income of 50,000 pesos and a maximum debt-to-income (DTI) ratio of 40%. BDO accepts borrowers from a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals.
It depends on your current rate versus what's available today and how many years remain on your loan. If you're paying 7.5% or higher with more than 10 years left, refinancing could save you hundreds of thousands of pesos in total interest. Nook can run a free personalised savings analysis to show you exactly whether refinancing makes financial sense for your situation.
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