BDO offers a 6.00% fixed rate for 2026 — and if you're currently paying 8% or more, refinancing could save you thousands every month. Nook helps you compare and apply for free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and in 2026 their housing loan interest rates remain competitive — with a 1-year fixed rate starting at 6.00% p.a. That's a meaningful improvement over the 8% to 10% rates many existing borrowers are still locked into from loans taken out several years ago. Whether you're buying a new property or looking to understand how BDO's fixed vs. variable rates compare, it pays to know exactly what you're eligible for before committing.
BDO housing loans are available for a range of purposes including ready-for-occupancy units, pre-selling properties, renovation, home equity, and refinancing of existing loans from other banks. BDO accepts borrowers from the private sector, government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals — with a minimum qualifying monthly income of 50,000 pesos. Approval typically takes around 30 days, and the maximum debt-to-income ratio allowed is 40%, meaning your total monthly loan obligations should not exceed 40% of your gross monthly income.
If you already have a home loan — whether with BDO or another bank — and your current interest rate is above 7%, it's worth exploring refinancing. Through Nook, you can compare BDO's 6.00% rate against offers from 10+ other Philippine banks at no cost to you. Before you apply, make sure you understand BDO's 2026 income eligibility and document requirements so your application moves smoothly. Interest rates are subject to change — always verify the latest rates directly with BDO or through Nook before submitting 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 1-year fixed housing loan interest rate in 2026 starts at 6.00% p.a. This applies to new home purchases as well as refinancing of existing loans. Rates are subject to change, so it's best to confirm the current rate with BDO directly or through a broker like Nook before applying.
At BDO's 6.00% fixed rate over a 20-year term, a loan of 3,000,000 pesos would result in a monthly amortization of approximately 21,991 pesos. Compare that to 26,123 pesos at 8.50%, and refinancing to BDO's rate could save you over 4,000 pesos every month. Your actual amortization will depend on your approved loan amount, term, and repricing schedule.
Yes — BDO accepts refinancing applications from borrowers with existing loans at other banks, as long as you meet their income and eligibility requirements. You'll need a minimum monthly income of 50,000 pesos and your total monthly debt obligations must not exceed 40% of your gross income. Nook can help you apply for BDO refinancing for free and guide you through the entire process.
BDO offers fixed-rate periods, typically starting with a 1-year fixed term at 6.00% p.a. After the fixed period ends, the rate is repriced based on prevailing market rates at the time. If you want to understand the long-term implications of fixed vs. repriced rates, it's worth reading a detailed comparison before deciding on your loan structure.
BDO's typical housing loan approval takes around 30 days from the time of complete document submission. Incomplete requirements are one of the most common causes of delays, so preparing your documents in advance is important. Nook's team can help you organise everything correctly before submission to avoid unnecessary back-and-forth with the bank.
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