BDO's current 1-year fixed rate starts at 6.00% p.a. — if you're still on an old repricing rate of 8% or higher, switching could save you over 58,000 pesos every year.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' most widely used housing loan providers, and for good reason — they offer competitive fixed-rate periods, flexible loan purposes, and a streamlined approval process with a typical turnaround of around 30 days. Their current promotional 1-year fixed rate of 6.00% p.a. is among the most competitive available in the market right now, making 2026 a smart window for existing borrowers to explore their repricing options. Whether you originally took out a BDO loan at a higher rate or you've rolled off a fixed period and landed on a variable rate, it's worth running the numbers. You can also compare BDO's fixed vs variable rate options to understand which structure suits your financial goals best.
Repricing with BDO — or refinancing your existing loan through Nook — could dramatically reduce your monthly obligation. A borrower with a 3,000,000 peso balance at 8.00% is paying roughly 25,093 pesos per month on a 20-year term. At BDO's current 6.00% rate, that same loan drops to around 21,572 pesos — a saving of over 3,500 pesos every single month. Over the life of the loan, that compounds into serious money. Nook works directly with BDO as a partner bank, meaning we can help you access these rates and guide you through the application process at absolutely no cost to you as the borrower. If you're gathering paperwork, our complete BDO housing loan requirements checklist is a great place to start.
Qualifying for BDO's best rates is more accessible than many homeowners expect. BDO accepts borrowers across a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed — with a minimum monthly income requirement of 50,000 pesos. Their maximum debt-to-income ratio of 40% gives most dual-income households meaningful borrowing headroom. If you're unsure whether you qualify or want to know exactly how much you could save on your current outstanding balance, Nook can run a free personalised assessment and match you with the right BDO product — or another partner bank if that turns out to be a better fit. Please note that interest rates are subject to change; always verify current rates directly with BDO 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 current promotional 1-year fixed rate is 6.00% p.a., which also applies to their Home Equity loan product. This is one of the most competitive rates available in the Philippine market right now. Rates are subject to change, so it's worth locking in sooner rather than later — Nook can help you apply at no cost.
Repricing means renegotiating your interest rate with BDO directly at the end of your fixed-rate period — you stay with the same bank and loan account. Refinancing means taking out a new loan (with BDO or another bank) to pay off your existing one, which typically unlocks a fresh promotional rate and can be worth the switch if the savings are significant. Nook can help you model both options so you can make an informed choice.
BDO accepts a broad range of borrower profiles including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000 pesos, and your total monthly debt obligations must not exceed 40% of your gross monthly income. Nook can do a free pre-qualification check to confirm your eligibility before you formally apply.
BDO's typical approval timeline is around 30 days from submission of a complete set of documents. Having all your requirements ready upfront is the single biggest factor in keeping that timeline on track. You can refer to our BDO housing loan requirements checklist to make sure nothing is missing before you submit.
No — Nook's service is completely free for borrowers. We're compensated by the bank, not by you, so there's no broker fee, application fee, or hidden charge on your end. You get access to BDO's competitive rates plus Nook's guidance and paperwork support at zero cost.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →