BDO is offering a 1-year fixed rate of 6.00% p.a. on housing loans in 2026 — and through Nook, you can access this promo and compare it against other banks completely free of charge.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and in 2026 they're offering a competitive 1-year fixed rate of 6.00% p.a. for qualified borrowers — available for refinancing, ready-for-occupancy units, resale properties, new construction, and even home equity purposes. With a minimum monthly income requirement of just ₱50,000 and typical approval in around 30 days, BDO's housing loan promo is accessible to a wide range of Filipino homeowners, including those in private employment, government service, BPO, OFW/seafarers, and the self-employed. If you're currently paying 8% or higher on your existing home loan, this could mean thousands in monthly savings. You can review the full breakdown of BDO home loan interest rates for 2026 to understand exactly how these rates compare across fixing periods.
What makes applying through Nook different? As the Philippines' first digital mortgage broker, Nook submits your application to BDO and other partner banks simultaneously — so you're not just getting BDO's promo rate, you're getting the best rate available across multiple lenders. There are no broker fees, no hidden charges, and no obligation. Nook is paid by the bank, not by you. If you're unsure whether you meet the criteria, our complete guide to BDO housing loan requirements walks through income, employment, and property eligibility in detail.
Whether you're a first-time applicant or looking to refinance an existing loan, the 2026 BDO housing loan promo is one of the strongest offers in the market right now. A borrower with a ₱3,000,000 outstanding balance refinancing from 8.50% down to 6.00% could save close to ₱4,000 per month — that's nearly ₱48,000 a year that stays in your pocket. Interest rates are subject to change, so we recommend checking current rates and locking in your application as early as possible.
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 is offering a 1-year fixed rate of 6.00% p.a. for qualified housing loan applicants in 2026, applicable to refinancing, RFO, resale, new construction, and home equity loans. This rate is among the most competitive currently available from a major Philippine bank. Note that rates are subject to change, so it's best to apply and lock in your rate as soon as possible.
BDO accepts applicants from a wide range of employment backgrounds, including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals or business owners. The minimum qualifying monthly income is ₱50,000, and your total debt payments (including the new loan) must not exceed 40% of your gross monthly income. Meeting these thresholds gives you a strong foundation for approval.
BDO typically processes and approves housing loan applications within approximately 30 days, provided all required documents are submitted completely and accurately. Incomplete submissions are the most common reason for delays, so working with Nook can help ensure your application is packaged correctly the first time. Nook's digital process also makes document submission faster and more organised.
Yes — Nook is 100% free for borrowers. As a licensed mortgage broker, Nook is compensated directly by the bank upon successful loan disbursement, meaning you pay nothing for the service. Through Nook, your application is compared across multiple partner banks including BDO, so you're guaranteed to see the most competitive offer available to you at no extra cost.
If your current home loan rate is above 7%, refinancing to BDO's 6.00% promo rate could result in significant monthly and long-term savings — often tens of thousands of pesos per year. The right answer depends on your remaining loan balance, current rate, and any penalties your existing bank may charge for early repayment. Nook can calculate your exact savings scenario and help you decide whether refinancing makes financial sense before you commit to anything.
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