BDO offers competitive housing loan rates starting at 6.00% p.a. — but if you're still on an old repriced rate, you could be paying thousands more per month than you need to.
BDO BORROWER POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering housing loans for ready-for-occupancy properties, pre-selling condos, house-and-lot purchases, and refinancing. BDO's current 1-year fixed rate starts at 6.00% p.a., making it one of the more competitive options in the market. However, many existing BDO borrowers find themselves locked into older repriced rates of 8% to 10% or higher — rates set years ago that no longer reflect today's environment. If your loan has already gone through one or more repricing cycles, there's a strong chance you're overpaying significantly each month.
Refinancing your BDO housing loan — either to a better BDO product or to another lender through Nook — can reset your rate and dramatically reduce your monthly amortisation. For a 3,000,000 peso loan on a 20-year term, moving from 8.50% to 6.00% could save you over 3,900 pesos every single month. That's money that could go toward your children's education, emergency savings, or simply breathing room in your monthly budget. Nook works with BDO and other leading Philippine banks to find you the best available rate — and the service is completely free for borrowers. You can also explore how BDO stacks up against other lenders in our BDO vs PNB housing loan rate comparison or see a three-way breakdown in the BDO vs Chinabank vs Robinsons Bank comparison.
BDO accepts a wide range of borrower profiles including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and professionals. The minimum qualifying income is 50,000 pesos per month, and typical approval takes around 30 days. Whether you're looking to refinance your existing loan or take out a new housing loan, BDO's broad eligibility and nationwide branch network make it a strong starting point. Please note that interest rates are subject to change — always verify the latest rates directly with BDO or through Nook before making a 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 current 1-year fixed housing loan rate starts at 6.00% p.a. as of 2026. This applies to new loan applications and refinancing. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with BDO before you apply.
After your fixed-rate period ends, BDO reprices your loan based on prevailing market rates at that time — which can be significantly higher than your original rate. Many borrowers find their monthly payments jump by thousands of pesos after repricing. Refinancing before or at repricing is one of the smartest ways to lock in a lower rate again.
Yes — Nook can help you refinance your BDO loan either into a new BDO product with a better rate, or to another partner bank if they offer more competitive terms for your situation. Nook's service is 100% free for borrowers, and the team handles the paperwork and bank coordination on your behalf.
BDO accepts applications from private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is 50,000 pesos, and your total debt-to-income ratio must not exceed 40%. BDO supports a wide range of loan purposes including purchase, refinancing, renovation, and home equity.
BDO typically processes and approves housing loan applications within 30 days, provided all required documents are submitted correctly and completely. Working through Nook can help speed up the process since Nook's team reviews your documents before submission to avoid delays. Incomplete submissions are one of the most common causes of slow approvals.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →