BDO's current housing loan rate starts at 6.00% p.a. — but if you're on an older fixed period that's already repriced, you could be paying 8% or more. See how much you can save by refinancing through Nook.
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Why this matters
BDO Unibank is one of the Philippines' most trusted housing loan providers, offering fixed-rate periods typically ranging from 1 to 5 years. In 2026, BDO's 1-year fixed housing loan rate is 6.00% p.a. — a competitive option for both new borrowers and existing homeowners looking to refinance. However, many Filipinos who took out their BDO housing loan two, three, or five years ago are now sitting on repriced rates of 8% to 10%, simply because their fixed period ended and they never switched. That difference in rate can cost hundreds of thousands of pesos over the life of your loan. If you want to understand all the current BDO home loan rates and what they mean for refinancing, it's worth reviewing your options now.
Refinancing your BDO housing loan — whether to BDO itself or to another Nook partner bank — means resetting your interest rate to today's best available terms. Through Nook, you can access BDO's 6.00% p.a. rate with a minimum monthly income requirement of just ₱50,000, and approval typically takes around 30 days. BDO accepts borrowers from the private sector, government employees, BPO workers, OFWs, seafarers, self-employed professionals, and more. Loan purposes include refinancing, home equity, renovation, RFO units, pre-selling, new construction, and resale properties — making BDO one of the most flexible lenders in the market. Before you apply, it helps to review the complete BDO housing loan requirements so you can prepare your documents in advance.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We compare BDO's housing loan rates alongside all other major Philippine banks so you always get the best deal available — not just the first offer on the table. Whether you're computing your monthly amortization, checking your lock-in period, or ready to submit an application, Nook handles the entire process for you at no cost. Note that interest rates are subject to change; always verify the latest rates with BDO or through Nook before finalizing 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 1-year fixed housing loan rate is 6.00% p.a. as of 2026. This applies to both new home purchase loans and refinancing applications. Rates are subject to change, so it's best to confirm the latest figures directly with BDO or through Nook before applying.
Your monthly amortization depends on your loan amount, interest rate, and remaining loan term. For example, a ₱3,000,000 loan at 6.00% p.a. over 20 years results in a monthly payment of approximately ₱21,966. Nook's free mortgage calculator lets you instantly compare your current payment against what you'd pay after refinancing.
Once your fixed-rate period expires, BDO will reprice your loan based on prevailing market rates — which are often significantly higher than your original locked-in rate. Many borrowers find themselves paying 8% to 10% after repricing without realizing it. Refinancing before or immediately after repricing is one of the most effective ways to protect your monthly budget.
Yes — Nook can help you refinance your existing BDO loan either back to BDO at a lower rate or to another Nook partner bank offering better terms. The entire process is free for borrowers, and Nook's mortgage specialists handle all the paperwork and bank coordination on your behalf. You just need to meet the income and eligibility requirements of your chosen bank.
BDO requires a minimum monthly income of ₱50,000 and accepts a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, and self-employed professionals. Standard documents include proof of income, valid IDs, and property-related documents. For a full checklist, see Nook's guide on BDO housing loan requirements before you apply.
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