BDO's 1-year fixed housing loan rate starts at 6.00% p.a. — but if you're on an old rate of 8% or higher, refinancing through Nook could save you thousands every month for free.
SAMPLE MONTHLY SAVINGS
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Why this matters
BDO Unibank is one of the Philippines' largest and most accessible mortgage lenders, offering housing loans for ready-for-occupancy units, pre-selling properties, new construction, renovation, and refinancing. Their current 1-year fixed rate is 6.00% p.a., with repricing applied after each fixed period ends. For borrowers who took out their loan several years ago — when rates were between 8% and 10% — an upcoming repricing date is actually the perfect opportunity to reassess whether their current bank is still the best fit. You can learn more about what to expect in our BDO home loan interest rate guide for 2026.
When your fixed period expires, your bank will offer a new rate — but that rate may not be the most competitive one available in the market. Through Nook, you can compare BDO's repricing offer against rates from multiple banks simultaneously, at no cost to you. Nook's service is 100% free to borrowers: no broker fees, no hidden charges. BDO accepts applications from employed professionals, government workers, BPO employees, OFWs, seafarers, and self-employed individuals with a minimum monthly income of ₱50,000, and approvals typically come within 30 days. If you want to understand the full documentation process, our complete BDO housing loan requirements guide walks you through everything you'll need to prepare.
The sample calculation above assumes a ₱3,000,000 outstanding balance with 20 years remaining, comparing an existing rate of 8.50% against BDO's current 6.00% through Nook. Over a 15-year remaining term the savings compound significantly — a difference of nearly ₱4,000 per month adds up to over ₱700,000 in total interest saved. Whether you're approaching a repricing date or simply haven't reviewed your rate in years, now is a good time to check. Please note that interest rates are subject to change; verify current rates directly with BDO or through a Nook advisor before making any financial decisions.
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 rate applies to both new home loan applications and refinancing, subject to BDO's standard credit and income assessment. Rates are subject to change, so always confirm the latest figures with BDO or through Nook before proceeding.
When your fixed period expires, BDO will reprice your loan at their prevailing rate at that time, which may be higher or lower than your original rate. You are not obligated to accept the repricing offer — this is actually the best moment to refinance with another bank if a better rate is available. Nook can help you compare repricing offers against the broader market for free.
Yes. If your current rate is above 6.00%, refinancing your BDO loan — either within BDO or to another bank through Nook — could significantly reduce your monthly payments. Refinancing is most impactful when your outstanding balance is still substantial and you have many years remaining on the loan term. Nook will calculate your potential savings before you commit to anything.
BDO requires a minimum monthly income of ₱50,000 and accepts borrowers who are employed in the private sector, government, BPO, or who are self-employed, OFWs, or seafarers. The maximum debt-to-income ratio is 40%, meaning your total monthly loan obligations should not exceed 40% of your gross monthly income. For the full checklist of documents and eligibility requirements, see our detailed guide.
Nook's service is completely free for borrowers — there are no broker fees, application fees, or hidden charges on Nook's side. Nook earns a referral fee from the bank only if your loan is successfully approved and disbursed, so there is no cost to you at any stage of the process. You can compare multiple banks, get a savings estimate, and submit your application all without paying a peso.
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