BDO's housing loan interest rate starts at 6.00% p.a. — but if you took out your loan a few years ago, you could be paying 7% to 10%. Nook helps you find out in minutes, for free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate housing loans with a 1-year fixed period starting at 6.00% p.a. — a competitive rate that makes BDO a popular choice for both new purchases and refinancing. Whether you're buying a ready-for-occupancy property, refinancing an existing loan, or tapping your home equity for renovations, BDO's housing loan product covers a wide range of needs. If you want a deeper look at how BDO's rates compare across loan purposes and fixed periods, see our BDO home loan interest rate guide for 2026.
The catch is that many Filipino homeowners took out their housing loans during a period when rates were significantly higher — often between 7.5% and 10% — and haven't reviewed their terms since. On a 3,000,000-peso loan with 20 years remaining, even dropping from 8.5% to 6.00% translates to nearly 4,000 pesos in monthly savings. Over the life of the loan, that's hundreds of thousands of pesos staying in your pocket. Refinancing to BDO — or using BDO's current rates as a benchmark to find the best available offer — is one of the most impactful financial moves a homeowner can make. For a full breakdown of what BDO requires from applicants, visit our complete BDO housing loan requirements guide.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We work with BDO and other leading Philippine banks to surface the most competitive refinancing rates available for your specific loan profile — so you're not just getting BDO's rate, you're getting the best rate. There's no paperwork maze to start: fill out one short form and Nook handles the comparison, the bank coordination, and the application process on your behalf. Note: Interest rates are subject to change. Always verify the latest rates directly with BDO or through Nook before making a financial decision.
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 currently offers a 1-year fixed rate starting at 6.00% p.a. for housing loans, including refinancing and home equity purposes. Rates are subject to change, so it's always worth confirming the latest figures directly with BDO or through Nook before you commit.
BDO offers a 1-year fixed period, meaning your interest rate is locked in for the first year of your loan — giving you predictable monthly payments during that time. After the fixed period ends, your rate is typically repriced based on prevailing market rates, which is often a good moment to review whether refinancing makes sense.
BDO accepts applicants from a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000 pesos, and your total debt obligations should generally not exceed 40% of your gross monthly income.
Yes — refinancing to BDO is one of the most common requests Nook handles, and it's completely free for borrowers. Nook submits your profile to BDO and other partner banks simultaneously, so you can compare offers side by side and choose the one that saves you the most money.
BDO's typical approval timeline is around 30 days from submission of complete documents. Working through Nook can help streamline this process since our team ensures your documents are complete and correctly formatted before submission, reducing the chance of delays or back-and-forth with the bank.
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