See the full BDO housing loan interest rate schedule for 2026 — then find out if you qualify to refinance at as low as 5.99% p.a. through Nook, completely free.
TYPICAL BDO BORROWER SAVINGS
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering a range of fixed-rate periods to suit different borrower needs. For 2026, BDO's 1-year fixed rate starts at 6.00% p.a. — one of the more competitive entry-level rates in the market. After the fixed period expires, your loan reprices based on prevailing market rates, which is why many homeowners who locked in years ago are now paying significantly more than today's best available rates. If your current rate is 7% or higher, it's worth exploring whether refinancing makes sense for your situation. You can review BDO's current home loan rates and refinancing options in detail to understand exactly where you stand.
Refinancing your BDO housing loan through Nook means you can compare BDO's own refinancing offer against other partner banks — all in one place, at no cost to you. Nook's broker service is 100% free for borrowers; lenders pay the fee. With a loan amount of 3,000,000 and a remaining term of 20 years, moving from a typical repriced rate of 8.50% down to 5.99% p.a. translates to roughly 3,901 in monthly savings. Over the life of the loan, that compounds into a substantial amount — money that stays in your pocket rather than going to interest. Before you apply, make sure you've reviewed the complete BDO housing loan requirements so your application is ready from day one.
BDO's housing loan product supports a wide range of purposes — including refinancing, home equity, renovation, and purchase of ready-for-occupancy and pre-selling properties. The minimum qualifying income is 50,000 per month, and approvals typically take around 30 days. Whether you're an employee in the private sector, a government worker, BPO professional, OFW, or self-employed, BDO has a pathway for you. Nook works directly with BDO and other leading Philippine banks to match you with the best rate available based on your profile. Please note that interest rates are subject to change — always verify the latest rates with your chosen bank 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
BDO's 2026 housing loan rate starts at 6.00% p.a. for a 1-year fixed period, which is also applicable to home equity loans. Rates for longer fixing periods — such as 3, 5, or 10 years — are typically higher to reflect the extended rate lock. Rates are subject to change, so always confirm the latest figures directly with BDO or through a free Nook consultation.
Once your fixed-rate period expires, BDO reprices your loan based on prevailing market interest rates at that time, which may be higher than your original rate. This repricing is one of the most common reasons homeowners end up paying significantly more than they expected over the life of their loan. Refinancing before or at repricing is a smart way to lock in a competitive rate again.
Yes — Nook can help you refinance an existing BDO loan, either back to BDO at a new rate or to another partner bank offering a better deal. The entire process is free for borrowers, and Nook handles the comparison and application coordination on your behalf. You'll need to meet standard refinancing requirements, including a minimum monthly income of 50,000 and a good repayment history.
Savings depend on your outstanding loan balance, remaining term, and the difference between your current rate and your new rate. For a 3,000,000 loan at 8.50% refinanced to 5.99% over 20 years, the monthly saving is approximately 3,901 — or over 46,000 per year. Use Nook's free refinancing calculator to get a personalised estimate based on your actual loan details.
BDO requires a minimum monthly income of 50,000 and accepts borrowers across employment types including private-sector employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Your debt-to-income ratio should not exceed 40%, and your property must meet BDO's appraisal standards. For a full breakdown, see the complete BDO housing loan requirements guide.
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