BDO offers a 1-year fixed rate of 6.00% p.a. in 2026 — but many existing BDO borrowers are still paying 8% or more. See how much you could save by refinancing through Nook, completely free of charge.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, offering a range of fixed-rate lock-in periods to suit different borrower needs. In 2026, BDO's housing loan rates start at 6.00% p.a. for a 1-year fixed period, making it one of the more competitive options among major Philippine banks. BDO accepts borrowers across a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income requirement of PHP 50,000. Loans can be used for purchase of ready-for-occupancy (RFO) and pre-selling properties, refinancing, home equity, renovation, new construction, reselling, and foreclosed properties. Typical loan approval takes around 30 days, and BDO applies a maximum debt-to-income (DTI) ratio of 40%.
If you already have a BDO housing loan, it's worth checking what rate you're currently paying — especially if your fixed-rate period has already expired and your loan has repriced. Many Filipino homeowners find themselves paying between 8% and 10% after their initial lock-in ends, without realising they have the option to refinance. By switching to a lower rate — whether within BDO or to another lender — you could reduce your monthly amortisation by thousands of pesos and save significantly over the remaining life of your loan. You can also compare BDO's rates against PNB's housing loan offerings to see which bank currently offers the better deal for your situation.
Nook is the Philippines' first digital mortgage broker, and we work with BDO as a partner bank alongside several other leading lenders. We compare rates across the market on your behalf and handle the entire application process — at zero cost to you. Whether you're a new borrower exploring BDO's current schedule or an existing borrower wondering if you're overpaying, Nook gives you a clear, unbiased picture of your options. If you're also considering other lenders, you might find it useful to read our comparison of UCPB vs BDO home loan rates to understand how BDO stacks up against other Philippine banks in 2026. Note that all interest rates are subject to change — always verify current rates directly with the bank or through a licensed broker like Nook.
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 in 2026 is 6.00% p.a., making it one of the more competitive rates among major Philippine banks. BDO also offers longer fixed-rate periods, though rates vary depending on the lock-in term you choose. Interest rates are subject to change, so we recommend verifying the latest schedule through Nook or directly with BDO.
Once your fixed-rate lock-in period expires, your BDO loan typically reprices to a new rate based on prevailing market conditions at that time, which is often higher than your original rate. Many borrowers are caught off guard by this repricing and end up paying significantly more than they expected. This is one of the most common reasons Filipino homeowners choose to refinance — and it's worth reviewing your options before your fixed period ends.
BDO accepts a wide range of borrower profiles, including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is PHP 50,000, and BDO applies a maximum debt-to-income ratio of 40% when assessing affordability. Loan purposes include purchase, refinancing, home equity, renovation, new construction, and foreclosed properties.
Yes — if you currently have a BDO housing loan and want to check whether refinancing makes sense for you, Nook can assess your situation and compare your current rate against the best available offers across our panel of partner banks, including BDO itself. Our service is 100% free to borrowers, and we handle all the paperwork and coordination on your behalf. There's no obligation to proceed, so it's worth getting a free assessment to see how much you could save.
BDO's typical home loan approval timeline is around 30 days from the time a complete application is submitted. Delays can occur if documents are missing or if additional verification is required, so submitting a complete and accurate application upfront is important. Applying through Nook can help streamline the process, as our team reviews your documents before submission to reduce the risk of back-and-forth with the bank.
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