BDO offers a 1-year fixed rate of 6.00% p.a. — but if you took out your home loan a few years ago, you could be paying significantly more. Find out in minutes if refinancing through Nook can lower your monthly payment.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive housing loan packages for purchases, construction, and refinancing. In 2026, BDO's 1-year fixed rate starts at 6.00% p.a. — making it an attractive option for homeowners looking to reprice or refinance their existing loan. Whether you're buying a ready-for-occupancy property, a pre-selling unit, or looking to tap your home equity, BDO's housing loan products are designed to fit a range of financial profiles. Minimum monthly income requirement is ₱50,000, and BDO accommodates private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals. You can learn more about eligibility in our complete BDO housing loan requirements guide.
Many Filipino homeowners who took out their BDO housing loan between 2018 and 2022 are currently locked into rates of 8% to 10% or higher — especially after their initial fixed period expired and their loan repriced upward. If your loan has already entered a repricing period, now is an excellent time to review your rate. Refinancing your existing loan to BDO's current 6.00% fixed rate (or to another Nook partner bank offering as low as 5.99% p.a.) could reduce your monthly amortisation by thousands of pesos. On a ₱3,000,000 loan with 20 years remaining, the difference between 8.50% and 6.00% translates to real, meaningful savings every single month.
Nook makes it easy to compare BDO's housing loan rates against other leading Philippine banks — all in one place, and completely free for borrowers. Our licensed mortgage brokers handle the paperwork, bank coordination, and follow-up on your behalf, so you don't have to navigate the process alone. BDO typically approves refinancing applications within 30 days, and Nook's team will guide you through every step from application to loan release. Interest rates are subject to change; we recommend verifying the latest rates directly with your bank or through Nook before making any financial decision. For a deeper look at how BDO's rates have evolved, see our BDO home loan interest rate 2026 refinancing guide.
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 is 6.00% p.a. as of 2026, applicable for both new purchases and refinancing. Rates are subject to change, so it's best to confirm the latest figures directly with BDO or through Nook before applying. Nook can help you compare this rate against other partner banks to ensure you're getting the best deal available.
Yes — if you already have a BDO housing loan and want to reprice or refinance to a lower rate, Nook can help you explore your options across multiple banks including BDO itself. Refinancing is often worth considering if your current rate is 7.5% or higher and you have at least 10 years remaining on your loan. Nook's service is 100% free for borrowers, and our team handles all the coordination on your behalf.
BDO requires a minimum monthly income of ₱50,000 and accepts borrowers from a wide range of employment types, including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals. Your debt-to-income ratio (DTI) should not exceed 40%, meaning your total monthly loan obligations — including the new housing loan amortisation — should be no more than 40% of your gross monthly income. For a full breakdown of documentary and financial requirements, visit our BDO housing loan requirements Philippines guide.
BDO's typical loan approval timeline is around 30 days from the date of complete document submission. Processing time can vary depending on the completeness of your documents, property appraisal scheduling, and loan complexity. Applying through Nook can help streamline the process, as our team ensures your application is complete and well-prepared before submission.
It depends on your current rate, remaining loan balance, and how each bank's offer compares at the time you apply. BDO's 6.00% fixed rate is competitive, but Nook also works with other partner banks offering rates starting at 5.99% p.a. — so the best option for you may vary. Nook compares multiple banks simultaneously and presents you with the most cost-effective choice, making the decision straightforward and stress-free.
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