BDO's 1-year fixed rate starts at 6.00% p.a. in 2026 — but if you took out your housing loan a few years ago, you could be paying 8–10%. Refinancing through Nook is 100% free and could save you thousands every month.
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Why this matters
BDO Unibank is one of the Philippines' most trusted home loan providers, offering fixed-rate periods of 1, 3, 5, and 10 years. For 2026, BDO's 1-year fixed rate is 6.00% p.a. — one of the most competitive rates available in the market today. Whether you're buying a ready-for-occupancy unit, a pre-selling property, or looking to refinance an existing loan, BDO's housing loan product covers a wide range of purposes including renovation, home equity, and reselling. Minimum monthly income requirement is P50,000, with loan approval typically completed within 30 days. To understand the full list of documents and eligibility criteria, see our complete BDO housing loan requirements guide.
If your current home loan was taken out between 2018 and 2022, there's a strong chance your rate is sitting somewhere between 7% and 10%. At that range, a P3,000,000 loan over 20 years can cost you significantly more than it should. Refinancing to BDO's current 6.00% rate through Nook means you could reduce your monthly payment by over P4,000 — and save close to P1,000,000 over the life of your loan. Nook's service is completely free for borrowers: we compare offers across multiple partner banks, handle the paperwork, and help you close faster. For a broader look at BDO's current offerings, visit our BDO home loan interest rate 2026 guide.
Applying through Nook takes just minutes online. Once you submit your details, a dedicated mortgage advisor will walk you through your options — including whether BDO or another partner bank offers the best rate for your specific situation. BDO accepts applications from private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. With a maximum debt-to-income ratio of 40%, most homeowners with stable income will qualify. Please note that interest rates are subject to change — always verify the latest rates directly with BDO or through your Nook advisor before finalising 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 rate for 2026 is 6.00% p.a. This is among the most competitive rates available from a major Philippine bank. Rates for longer fixed periods (3, 5, or 10 years) may vary, so it's best to confirm current offerings through Nook or directly with BDO, as rates are subject to change.
On a P3,000,000 loan with 20 years remaining, switching from a 9.00% rate to BDO's 6.00% rate could reduce your monthly payment by over P4,000. That adds up to roughly P48,000 in savings per year and close to P1,000,000 over the remaining loan term. Use Nook's free calculator to get an estimate based on your exact balance and current rate.
BDO accepts housing loan applications from private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of P50,000 and a debt-to-income ratio not exceeding 40%. For the complete list of eligibility criteria and required documents, check out our BDO housing loan requirements Philippines guide.
BDO typically processes housing loan applications within 30 days, which is on par with most major Philippine banks. Applying through Nook can help streamline the process — our advisors ensure your documents are complete and submission-ready before they go to the bank, reducing the risk of delays or back-and-forth requests.
No — Nook's service is 100% free for borrowers. We're a digital mortgage broker, which means we earn from the bank, not from you. You get access to multiple bank offers, expert guidance, and hands-on application support at zero cost. There are no hidden fees or obligations involved in getting a quote.
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