BDO is offering a 6.00% p.a. fixed rate on housing loans in 2026 — and Nook helps you access it for absolutely free. If you're currently paying 8% or more, it's time to find out how much you could save.
BDO PROMO RATE SAVINGS ESTIMATE
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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 is genuinely worth paying attention to. With a 1-year fixed rate starting at 6.00% p.a., BDO is offering one of the most competitive rates available to Filipino homeowners today — whether you're buying a new property, refinancing an existing loan, or tapping your home equity for a major expense. The promo is open to a wide range of borrowers, including salaried employees in the private sector, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of 50,000 and a debt-to-income ratio of no more than 40%. Approval typically takes around 30 days. For a full breakdown of what documents and requirements you'll need to prepare, see our complete guide to BDO housing loan requirements.
If you already have an existing home loan — with BDO or any other bank — and you're paying a rate above 7%, refinancing to BDO's promo rate could mean saving tens of thousands of pesos every year. On a 3,000,000 loan with 20 years remaining, switching from 8.50% to 6.00% reduces your monthly payment by over 4,000 pesos. That's real money back in your pocket every single month. The challenge most homeowners face is not knowing whether they qualify or which bank will give them the best deal. That's exactly what Nook solves. To understand how BDO's current rates compare across different fixed-rate periods, check out our BDO home loan interest rate guide for 2026.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work with BDO and other leading Philippine banks to match you with the best available rate for your situation — without the paperwork headache or the bank-hopping. We handle the comparison, the pre-qualification checks, and the application coordination on your behalf. There's no fee, no obligation, and no hard credit inquiry just to find out where you stand. Whether you're eyeing the BDO promo for a new purchase or you want to refinance out of a higher-rate loan, Nook is the fastest way to find out if you qualify and what your actual savings would look like. Note: Interest rates are subject to change. Please verify current BDO rates 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's current promotional rate for housing loans is 6.00% p.a. on a 1-year fixed term, making it one of the most competitive offers available in the Philippine market right now. This rate applies to new purchases, refinancing, home equity loans, and several other loan purposes. Rates are subject to change, so it's best to confirm the current offer at the time you apply.
BDO's housing loan promo is open to a broad range of borrowers — including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of 50,000 and a debt-to-income ratio of 40% or below. For a detailed checklist of required documents, visit our BDO housing loan requirements guide.
Yes — refinancing is one of the eligible loan purposes under BDO's housing loan program, and it's one of the best ways to take advantage of the promo rate. If your current loan is at 8% or higher, switching to 6.00% could save you thousands of pesos every month depending on your outstanding balance and remaining term. Nook can help you calculate your exact savings and handle the refinancing process for free.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. This can vary depending on the complexity of your application and how quickly you're able to provide supporting paperwork. Working with Nook can help speed things up since we guide you through document preparation and coordinate directly with the bank on your behalf.
No — Nook's service is 100% free to borrowers. We're a licensed mortgage broker that earns from the banks we partner with, not from you. You get access to BDO's promo rates, a dedicated mortgage specialist, and full application support without paying a single peso in broker fees.
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