BDO is offering a 6.00% p.a. fixed rate on housing loans in 2026 — and through Nook, you can apply for free and find out if you qualify before the promo window closes.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and their 2026 housing loan promo rate of 6.00% p.a. (1-year fixed) is among the most competitive currently available in the market. For homeowners still paying rates of 8% to 10% on older loans, this represents a genuine opportunity to reduce monthly outgoings by thousands of pesos — without changing your home or your bank. You can review BDO's current home loan interest rates and refinancing guide to understand how today's rates compare to what you may be paying now.
Qualifying for BDO's promo housing loan rate requires meeting a few key criteria: a minimum monthly income of ₱50,000, a debt-to-income ratio of no more than 40%, and stable employment — whether you're in private practice, government service, BPO, an OFW or seafarer, self-employed, or a licensed professional. BDO also supports a wide range of loan purposes including refinancing, home equity, renovation, and purchase of RFO and pre-selling properties. If you want a full breakdown of what documents and eligibility conditions apply, see our complete BDO housing loan requirements guide for the Philippines.
Nook is a 100% free digital mortgage broker that compares BDO and other leading Philippine banks on your behalf, so you never have to chase rates yourself or pay a broker fee. We submit your application to BDO and track it through approval — typically within 30 days. Whether you're refinancing an existing loan or buying a new property, Nook helps you move fast so you don't miss out on a limited promo window. Interest rates are subject to change; always verify the latest rates directly with BDO or through Nook at the time of application.
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 currently offering a 6.00% p.a. fixed rate on housing loans under their 2026 promo, applicable for a 1-year fixed period. This is one of the lowest headline rates available from a major Philippine bank and is significantly below the 8%–10% rates many homeowners are still paying on older loans. Rates are subject to change, so it's worth applying sooner rather than later to lock in the current offer.
To qualify, you'll need a minimum monthly income of ₱50,000 and a total debt-to-income ratio of no more than 40%. BDO accepts borrowers across a wide range of employment types — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and professionals. Meeting these benchmarks puts you in a strong position to be approved at the promo rate.
Yes — refinancing is one of the supported loan purposes under BDO's housing loan program. If you're currently paying a higher rate with BDO or another bank, refinancing to BDO's 6.00% promo rate could reduce your monthly payment by thousands of pesos. Nook can help you compare your refinancing options across multiple banks for free and guide you through the BDO application process.
BDO's typical approval timeline is around 30 days from submission of a complete application. Having all your documents in order from the start — proof of income, valid IDs, property documents, and a filled application form — will help avoid delays. When you apply through Nook, we review your documents before submission to make sure nothing is missing.
No — Nook's service is completely free for borrowers. We're a digital mortgage broker paid by the banks, not by you, so there's no broker fee or hidden charge at any stage of the process. You get access to BDO's promo rates, a dedicated advisor, and a fully managed application experience at zero cost.
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