BDO housing loan rates start at 6.00% p.a. for a 1-year fixed period — but if you haven't refinanced recently, you could be paying 8% or more and losing thousands every month.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted mortgage lenders, offering housing loans with multiple fixed-rate periods ranging from 1 to 10 years. For 2026, BDO's 1-year fixed rate stands at 6.00% p.a. — a competitive rate that makes it a strong option for both new borrowers and homeowners looking to refinance. After the fixed period ends, your loan reprices to BDO's prevailing rate, which is why many borrowers choose to refinance again at repricing time to lock in the best available deal. If you're shopping for a BDO housing loan or approaching a repricing date, understanding how these fixed periods work is essential to managing your long-term costs. You can also explore the full BDO home loan interest rate guide for 2026 to compare fixed periods side by side.
For existing BDO borrowers, the real risk lies in repricing. When your fixed period expires, BDO adjusts your rate to the current market rate — which can push your monthly amortization significantly higher. Many Filipino homeowners are currently paying between 8% and 10% simply because they accepted the repriced rate without shopping around. Through Nook, you can compare BDO's refinancing offer against other partner banks to see who gives you the lowest rate at your next repricing. If you need to review what documents to prepare, the complete BDO housing loan requirements guide walks you through every step of the application process.
Nook is 100% free to use as a borrower. As a verified BDO partner, Nook can submit your refinancing application directly to BDO and other leading Philippine banks simultaneously — saving you the time and effort of visiting multiple branches. BDO accepts applications from private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and business owners, with a minimum monthly income requirement of 50,000. Typical approval takes around 30 days, and you can refinance for home equity, renovation, or to simply reduce your monthly payment. Please note that interest rates are subject to change — verify the latest BDO rates with Nook or directly with the bank 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 1-year fixed housing loan rate is 6.00% p.a. as of 2026, which is one of the more competitive rates available among Philippine banks. Rates for longer fixed periods (3, 5, or 10 years) are typically higher to account for the extended rate guarantee. Always confirm the latest rates with Nook or BDO directly, as these are subject to change.
After your fixed period expires, BDO reprices your loan to their prevailing market rate at that time, which could be higher or lower than your original rate. Many borrowers are caught off guard when their monthly amortization increases significantly at repricing. This is actually the ideal moment to refinance — you can use Nook to compare BDO's new offer against other banks and lock in the best available rate for free.
BDO accepts a wide range of borrower profiles including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000, and your total debt obligations should generally not exceed 40% of your gross monthly income (the maximum debt-to-income ratio). BDO offers loan purposes including purchase, refinancing, home equity, renovation, and new construction.
BDO's typical approval timeline is around 30 days from the time a complete application is submitted. The timeline can vary depending on the complexity of your case, how quickly you submit supporting documents, and the loan purpose. Applying through Nook can help streamline the process since Nook's team reviews your application for completeness before submission.
If you're currently paying above 6.50% on your BDO loan, refinancing through Nook is almost certainly worth exploring — even a 1% reduction on a 3,000,000 loan can save you tens of thousands of pesos over the remaining loan term. Nook's service is completely free to borrowers, and as a verified BDO partner bank, Nook can submit your application directly to BDO alongside other competing banks so you get the best possible rate offer.
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