BDO offers a 1-year fixed rate starting at 6.00% p.a. — but if you took out your home loan a few years ago, you could be paying far more. See how much you can save by refinancing through Nook, free of charge.
TYPICAL BDO REFINANCE SAVINGS
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate periods of 1, 3, 5, and 10 years. For 2026, BDO's 1-year fixed rate sits at 6.00% p.a. — one of the most competitive rates available from a major bank. However, many existing BDO borrowers are still locked into older loan packages with rates ranging from 7.5% to 10% or higher, especially those who borrowed before rates started trending downward. If your current rate is above 6.00%, refinancing your BDO housing loan could mean significant monthly savings. You can explore how BDO's fixed vs. variable rate options compare to decide which structure suits your financial goals.
When computing your BDO housing loan interest, the monthly amortisation depends on three key variables: your outstanding loan balance, your remaining term, and the applicable fixed rate. For example, a ₱3,000,000 loan with 20 years remaining at 8.50% results in a monthly payment of approximately ₱26,036. Refinancing that same balance to BDO's current 6.00% rate through Nook brings that payment down to roughly ₱22,119 — a monthly difference of nearly ₱4,000. Over a 15-year horizon, that adds up to hundreds of thousands of pesos in total interest savings. BDO also accepts refinancing applications from employed, self-employed, and OFW borrowers, with a minimum monthly income requirement of ₱50,000 and a typical approval timeline of around 30 days. If you want to check what documents you'll need to get started, see the complete BDO housing loan requirements and income eligibility guide.
Applying through Nook is 100% free — Nook is paid by the bank, not the borrower, so you get full broker support without any additional fees. Nook compares BDO's rates alongside other leading Philippine banks, ensuring you're matched with the best available offer for your situation. Whether you're refinancing from BDO to BDO for a better rate, or switching from another lender entirely, Nook handles the paperwork and coordination on your behalf. Interest rates are subject to change; always verify the latest rates with BDO or through Nook before making a final 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 1-year fixed housing loan rate for 2026 starts at 6.00% p.a. BDO also offers longer fixed-rate periods (3, 5, and 10 years), which typically carry slightly higher rates in exchange for greater payment stability. Rates are subject to change, so it's best to confirm the latest figures directly with BDO or through Nook.
Your monthly amortisation is calculated using standard loan amortisation based on your outstanding balance, interest rate, and remaining term. For a ₱3,000,000 loan over 20 years at 6.00%, the monthly payment works out to approximately ₱22,119. You can use Nook's free mortgage calculator to run your own numbers instantly.
Yes — if your current BDO rate is higher than 6.00%, you may be eligible to refinance and reduce your monthly payment. You can refinance either within BDO itself or switch to another partner bank through Nook, whichever offers the better deal. Nook's service is completely free to borrowers, and the process typically takes around 30 days.
BDO requires a minimum monthly income of ₱50,000 and a debt-to-income ratio of no more than 40%. BDO accepts applications from employees in private companies, government, and BPOs, as well as OFWs, seafarers, self-employed individuals, and licensed professionals. For a full breakdown, check the BDO housing loan income eligibility guide.
BDO periodically runs promotional rates for new and refinancing borrowers, particularly on 1-year fixed packages. The best way to access current promos is through a licensed broker like Nook, which has direct access to bank rate sheets and any active offers. Since Nook is free to use, there's no downside to checking what's available before you commit.
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