BDO's 1-year fixed housing loan rate starts at 6.00% p.a. in 2026 — but Nook can help you find an even lower rate. Compare lenders in minutes, for free.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and in 2026 their housing loan rates remain competitive — with 1-year fixed rates starting at 6.00% p.a. for qualified borrowers. But the rate you were approved for when you first took out your loan may look very different from what's available today. Many Filipino homeowners are still locked into rates of 8% to 10% or higher, taken out during periods of tighter lending conditions. If your current rate is above 6.00%, refinancing could mean thousands of pesos back in your pocket every single month. You can review the full picture in our BDO home loan interest rate guide for 2026.
BDO offers housing loans for a wide range of purposes — refinancing, ready-for-occupancy units, pre-selling, renovation, new construction, and home equity. Their minimum monthly income requirement is P50,000, and they accept borrowers from the private sector, government, BPO, OFW and seafarer, self-employed, and professional categories. Typical approval takes around 30 days, and BDO's maximum debt-to-income ratio is 40%, which means your total monthly obligations should not exceed 40% of your gross monthly income. If you're unsure whether you qualify, our complete guide to BDO housing loan requirements walks you through everything you need to prepare.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We work directly with BDO and other leading Philippine banks to help you compare rates side by side and identify the most competitive deal for your situation. Whether you're refinancing an existing BDO loan or switching from another lender, Nook handles the legwork so you don't have to. Note that interest rates are subject to change — always verify the latest rates directly with your lender or through Nook before making a decision.
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 1-year fixed housing loan rate starts at 6.00% p.a. in 2026 for qualified borrowers. This applies to both new home loan applications and refinancing. Rates are subject to change, so it's best to check the latest figures through Nook or directly with BDO before applying.
Yes — if your current rate is higher than 6.00%, refinancing your BDO loan (or switching to BDO from another bank) could significantly reduce your monthly payments. Nook makes it easy to compare your options across multiple lenders at no cost to you. Many homeowners save thousands of pesos per month simply by refinancing to a more competitive rate.
BDO requires a minimum monthly income of P50,000 for housing loan applicants. They accept a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Your total monthly debt obligations must also be within BDO's 40% debt-to-income limit.
BDO typically processes and approves housing loan applications within 30 days, provided all required documents are submitted correctly and in full. Incomplete submissions are one of the most common causes of delays, so it helps to prepare your documents carefully before applying. Nook can guide you through the full requirements checklist to keep things on track.
Yes, Nook's service is 100% free for home loan borrowers. Nook earns a referral fee from the bank when your loan is successfully approved — you pay nothing extra. You get access to multiple bank offers, expert guidance, and a streamlined digital application process at no cost to you.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →