BDO is offering a 6.00% fixed rate on home loans in 2026 — and through Nook, you can apply for free and compare it against every other top bank to make sure you're getting the best deal available.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home lenders, and their 2026 housing loan promo brings a competitive 6.00% per annum fixed rate for qualified borrowers. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home's equity for renovations, BDO's flexible loan purposes and accessible minimum monthly income requirement of ₱50,000 make it a strong option for a wide range of Filipino homeowners. Approval typically takes around 30 days, and BDO accepts borrowers from the private sector, government, BPO, OFW/seafarers, self-employed professionals, and more. You can review the full BDO housing loan requirements to see exactly what documents and qualifications you'll need before applying.
If you're currently paying 8% or higher on your existing home loan — which is common for loans taken out in prior years — refinancing to BDO's 6.00% rate could save you tens of thousands of pesos every year. On a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to 6.00% cuts your monthly amortisation by thousands of pesos and delivers well over half a million pesos in total interest savings over the life of the loan. That's real money that stays in your pocket rather than going to the bank. For a deeper look at how BDO rates compare historically and what to expect in 2026, see our BDO home loan interest rate guide for 2026.
Through Nook, applying for a BDO housing loan or refinancing your current loan is completely free — Nook is the Philippines' first digital mortgage broker and charges borrowers nothing for its service. Nook also lets you compare BDO's offer side-by-side with rates from BPI, Security Bank, Metrobank, RCBC, and other top Philippine banks, so you can be confident you're choosing the best available deal. Whether BDO's 6.00% promo rate is right for you or another bank edges it out, Nook handles the comparison and the application process at no cost to you. Note: Interest rates are subject to change — verify current rates with Nook or directly with BDO before proceeding.
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% per annum fixed rate on housing loans in 2026, available for both new purchases and refinancing of existing home loans. This rate applies to a 1-year fixed period, after which rates are repriced based on prevailing market conditions. Always confirm the latest promo rate with Nook or BDO directly, as rates are subject to change.
BDO accepts borrowers with a minimum monthly income of ₱50,000 across a wide range of employment types, including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. Your debt-to-income ratio must not exceed 40%, meaning your total monthly debt obligations — including the new housing loan — should be no more than 40% of your gross monthly income. Meeting these criteria makes you eligible to apply through Nook for free.
If your current home loan interest rate is above 7%, refinancing to BDO's 6.00% promo rate could result in significant monthly and long-term savings. For example, on a ₱3,000,000 loan with 20 years remaining, dropping from 8.50% to 6.00% saves over ₱3,800 per month and nearly ₱700,000 over the loan's lifetime. Nook can calculate your exact savings for free and handle the entire refinancing process on your behalf.
BDO's housing loan covers a broad range of purposes including refinancing, home equity, new construction, pre-selling units, ready-for-occupancy (RFO) properties, renovation, reselling, and foreclosed properties. This flexibility makes BDO one of the more versatile lenders in the Philippine market. Whether you're buying your first home, upgrading, or unlocking your property's equity, BDO likely has a product that fits your situation.
Applying through Nook is completely free — simply submit your details on the Nook platform and a mortgage specialist will help you compare BDO's 6.00% promo rate against other top Philippine banks to confirm it's the best fit for you. Nook handles document coordination, bank communication, and application submission on your behalf, saving you time and the hassle of going bank-to-bank. The entire process is digital and typically results in a decision within BDO's standard 30-day approval window.
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