BDO is offering special housing loan rates starting at 6.00% p.a. in 2026 — and through Nook, you can apply for free and compare your options before you commit.
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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 some of the most competitive fixed rates available in the market today — starting at 6.00% p.a. on a 1-year fixed term. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, BDO's promo rates are worth taking seriously. Eligibility is open to employed professionals (private and government), BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income requirement of P50,000. You can learn more about what documents you'll need in our complete BDO housing loan requirements guide.
Here's the catch that most borrowers don't think about: promo rates are almost always fixed for a short period — typically 1 year — after which your loan reprices to the bank's prevailing rate, which could be significantly higher. This is why it's critical to understand not just the promo rate, but what your rate environment looks like over the full loan term. For a deeper look at how BDO's rates have moved and what refinancing could mean for your situation, read our BDO home loan interest rate guide for 2026. Nook helps you evaluate the full picture — not just the headline number.
Applying through Nook is completely free for borrowers. Nook acts as your digital mortgage broker, helping you submit a stronger application, avoid common mistakes, and potentially access rates that aren't publicly advertised. BDO typically processes approvals within 30 days, and Nook's team will guide you through every step. Whether you're a first-time buyer or a homeowner looking to refinance before your current lock-in period expires, now is a smart time to review your options. Note that all interest rates are subject to change — we always recommend verifying current rates directly with the bank or through Nook before making any financial decisions.
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 1-year fixed rate starting at 6.00% p.a. as part of their 2026 housing loan lineup. This rate applies to eligible borrowers for purchases, refinancing, and home equity purposes. Rates are subject to change, so it's best to confirm the latest promo terms through Nook or directly with BDO.
BDO's housing loan is open to a wide range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and the maximum debt-to-income ratio is 40%. Check our BDO housing loan requirements guide for the full checklist of documents and eligibility criteria.
BDO typically processes housing loan approvals within approximately 30 days from the date of complete document submission. Incomplete applications are a common cause of delays, which is why applying through Nook can be helpful — Nook's team reviews your documents before submission to reduce back-and-forth with the bank.
Applying through Nook is free for borrowers and gives you access to expert guidance, document review, and the ability to compare BDO's offer alongside other partner banks. Nook acts as your mortgage broker, which means you get professional support without paying any fees. There's no downside to applying through Nook.
After your fixed promo period expires — typically after 1 year — your loan will reprice to BDO's prevailing rate at that time, which may be higher. This is why many homeowners choose to refinance before repricing happens, locking in a new competitive rate. If your current loan is approaching its relock date, now is a good time to explore your options through Nook.
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