BDO's 1-year fixed rate starts at 6.00% p.a. — but through Nook, you may qualify for as low as 5.99% p.a. See exactly how much your fixed period choice costs you over time, and whether you're leaving money on the table.
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Why this matters
BDO is one of the Philippines' most trusted home loan providers, and for good reason — they offer competitive fixed-rate periods, flexible loan terms, and accessible income requirements starting at just P50,000 per month. But here's what many homeowners don't realise: the fixed period you choose has a massive impact on your total interest cost. A 1-year fixed period at 6.00% sounds great upfront, but when it reprices after year one, you're exposed to whatever market rates look like then. Longer fixed periods offer peace of mind but often come with a higher initial rate. Choosing wisely can save you hundreds of thousands of pesos over the life of your loan. You can learn more about how BDO structures its products in our BDO home loan interest rate guide for 2026.
If you're currently paying 8% or more on a BDO housing loan — or any bank's loan — refinancing could be the smartest financial move you make this year. The example above shows a borrower with a P3,000,000 outstanding balance and roughly 20 years remaining on their term. By moving from a legacy rate of 8.50% down to 6.00%, they save over P3,000 every single month. That's money that could go toward your child's education, building an emergency fund, or simply improving your quality of life. Nook makes it easy to compare BDO's offer against other partner banks so you always get the best deal available. Before you apply directly, it's worth understanding the full BDO housing loan requirements to make sure you're prepared.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work directly with BDO and other leading banks to find you the most competitive rate for your profile — whether you're salaried, self-employed, an OFW, or a professional. There are no broker fees, no hidden charges, and no obligation to proceed. We handle the paperwork, coordinate with the bank, and guide you through every step of the refinancing process. Interest rates are subject to change; the figures shown reflect current available rates and should be verified 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 1-year fixed housing loan rate is 6.00% p.a. as of 2026. This applies to both standard home purchase loans and home equity loans, and is available to qualified borrowers with a minimum monthly income of P50,000. Rates are subject to change, so always confirm the latest figures with BDO or through Nook before submitting your application.
The right fixed period depends on your financial goals and risk tolerance. A shorter 1-year fixed period gives you the lowest initial rate but exposes you to repricing risk when the term ends. Longer fixed periods lock in your rate for more years, giving you payment certainty even if market rates rise. If you plan to refinance again in a few years, a shorter period may make more sense — just make sure you track your repricing date.
Nook is a BDO partner bank broker, which means we submit your application through an official channel and can access the same competitive rates. More importantly, we compare BDO's offer against our full panel of partner banks so you're not just getting one quote — you're getting the best available rate for your specific profile. Our service is 100% free, so there's no reason not to check.
BDO typically processes housing loan applications within 30 days from submission of complete documents. Refinancing timelines are similar, though they can vary depending on the complexity of your existing loan and the completeness of your paperwork. Nook helps you prepare a complete application from the start, which reduces back-and-forth and helps keep things on track.
When your BDO fixed period expires, your loan reprices to the prevailing rate at that time, which may be higher or lower than your original rate. Many borrowers are caught off guard by this and end up paying significantly more without realising it. The smart move is to review your options around 3-6 months before your repricing date — Nook can help you refinance to a new competitive rate before the higher one kicks in.
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