BDO's housing loan interest rate starts at 6.00% p.a. for a 1-year fixed period — but most existing borrowers are still paying 7% to 9% or more. Find out how BDO sets its rates, when your next repricing hits, and whether refinancing could save you thousands every month.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and its housing loan interest rates follow a fixed-then-floating structure familiar to most Filipino borrowers. You lock in a fixed rate for an initial period — typically 1, 2, 3, or 5 years — after which your loan is repriced based on prevailing market rates. BDO's current 1-year fixed rate stands at 6.00% p.a., making it one of the more competitive options on the market today. However, if you took out your loan several years ago, your repriced rate may now be sitting well above 7%, 8%, or even 9% — and that gap translates directly into money leaving your pocket every month. If you're curious how BDO stacks up against other lenders, see our BDO vs PNB housing loan rate comparison for a side-by-side breakdown.
Understanding your repricing schedule is critical. BDO will notify you before your fixed period ends, giving you a window to accept the new rate, negotiate, or explore refinancing with another lender. Many borrowers simply accept the repriced rate without shopping around — and that's often the most expensive decision they make. Refinancing to a lower rate doesn't have to be complicated. Through Nook, you can compare BDO's current rates against multiple Philippine banks simultaneously, with no broker fees charged to you. Nook's service is 100% free for borrowers, and as a Nook partner bank, BDO applications are processed with dedicated support and typical approval in around 30 days.
Whether you're currently with BDO and facing an upcoming repricing, or you're with another bank and considering switching, the math is straightforward: on a ₱3,000,000 loan with 20 years remaining, dropping from 8% to 5.99% saves you over ₱4,000 per month. Over the life of the loan, that's a significant sum that stays in your family's hands instead of the bank's. You can also explore how BDO compares to a wider set of lenders in our BDO vs Chinabank vs Robinsons Bank comparison. Interest rates are subject to change — always verify the latest rates directly with the bank or through Nook before making a decision.
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Common questions
BDO sets its housing loan rates based on internal funding costs, prevailing market benchmarks like the BSP policy rate, and competitive positioning. Your rate is fixed for an initial period (e.g., 1 or 3 years), then repriced at BDO's prevailing rate at the time of renewal. This means your monthly payment can increase significantly after your fixed period ends, even if you've been a reliable borrower.
BDO reprices your housing loan at the end of each fixed-rate period — for example, every 1 year if you chose a 1-year fixing. You should receive a repricing notice from BDO before the period ends, giving you the chance to review or respond. This repricing window is also your best opportunity to refinance with another lender if BDO's new rate is no longer competitive.
Yes, some borrowers successfully negotiate a lower repriced rate with BDO, especially if they have a strong payment history or a large outstanding balance. However, BDO is not obligated to move from its standard repricing rates, and the room to negotiate is often limited. Refinancing through Nook gives you access to competing offers from multiple banks, which puts you in a much stronger position than negotiating with BDO alone.
BDO's current 1-year fixed housing loan rate is 6.00% p.a. as of 2026, making it one of the more competitive rates among major Philippine banks. This rate applies to new loan applications and refinancing, subject to credit assessment and eligibility. Rates are subject to change, so it's worth confirming the latest figure directly with BDO or through Nook before applying.
It depends on how much lower your new rate would be and how many years remain on your loan — generally, the larger the rate gap and the longer the remaining term, the more you save. On a ₱3,000,000 loan at 8%, refinancing to 5.99% could save you over ₱4,000 per month. Nook can calculate your exact savings for free and handle the entire refinancing process on your behalf, at no cost to you.
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