BDO's current housing loan rate starts at 6.00% p.a. — but if you took out your loan years ago, you could be paying 8% to 10%. See how much you can save by refinancing through Nook for free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering housing loan packages with a 1-year fixed rate starting at 6.00% p.a. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, BDO's flexible loan products cater to a wide range of borrowers — including salaried employees, OFWs, self-employed professionals, and government workers. For a deeper look at eligibility and documentation, see our complete guide to BDO housing loan requirements.
What many homeowners don't realise is that a fixed-rate lock-in period eventually expires — and when it does, your rate often resets to a higher prevailing rate. If your original loan was taken out several years ago at 8%, 9%, or even 10%, refinancing to BDO's current 6.00% could slash thousands off your monthly amortisation. On a 3,000,000-peso balance with 20 years remaining, that difference alone could save you over 870,000 pesos across the life of the loan. Understanding how BDO structures its fixed-rate options is the first step — our 2026 BDO home loan interest rate guide breaks down exactly how these periods work and what to expect when your lock-in ends.
Applying through Nook means you get access to BDO's competitive rates — plus those from other top Philippine banks — with a licensed broker doing the legwork at zero cost to you. Nook compares offers across multiple lenders, handles your paperwork, and guides you through approval, which typically takes around 30 days with BDO. There are no broker fees, no hidden charges, and no obligation to proceed until you're satisfied with the offer. Interest rates are subject to change; always verify the latest rates directly with BDO or through your Nook advisor before finalising your application.
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 housing loan rate starts at 6.00% p.a. for a 1-year fixed period, as of 2026. Rates may vary depending on loan purpose, term, and borrower profile, so it's best to confirm the latest figures through Nook or directly with BDO before applying.
A fixed-rate period determines how long your interest rate stays locked before it's repriced to the prevailing market rate. Shorter lock-ins like 1-year often carry lower initial rates, while longer fixed periods give you more payment predictability — useful if you expect rates to rise. Choosing the right term depends on your financial goals and how long you plan to hold the property.
BDO requires a minimum monthly income of 50,000 pesos and accepts a wide range of employment types, including private sector employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Your debt-to-income ratio must not exceed 40%, and you'll need to provide standard documentation such as proof of income, a valid ID, and property documents. For a full breakdown, visit our BDO housing loan requirements guide.
Savings depend on your current interest rate, remaining balance, and loan term. For example, refinancing a 3,000,000-peso balance from 9.00% to 6.00% on a 20-year term could reduce your monthly payment by roughly 4,800 pesos — that's nearly 58,000 pesos saved per year. Use Nook's free refinancing calculator to get a personalised estimate based on your actual loan details.
No — Nook's service is completely free for borrowers. Nook is a licensed mortgage broker that earns its fee from the bank upon successful loan approval, not from you. You get expert guidance, bank comparisons, and full application support at zero cost.
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