BDO offers one of the most competitive housing loan rates in the Philippines — starting at 6.00% p.a. But if you're already paying more, Nook can help you refinance for as low as 5.99% at zero cost to you.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home lenders, and for good reason. Their housing loan product covers a wide range of purposes — from buying a ready-for-occupancy condo or house and lot, to financing new construction, pre-selling properties, or even a home equity loan. With a minimum monthly income requirement of just ₱50,000 and approval timelines averaging around 30 days, BDO is accessible to a broad range of Filipino borrowers including salaried employees, self-employed professionals, OFWs, and BPO workers. Their current 1-year fixed rate starts at 6.00% p.a., making them one of the most competitive banks in the market today. For full details on what you'll need to prepare, see our complete BDO housing loan requirements guide.
However, if you took out your BDO home loan a few years ago, there's a strong chance you're still paying a rate well above 7% — or even 9% or higher — from a period when rates were significantly elevated. That gap between what you're paying now and what's available today can translate to tens of thousands of pesos in unnecessary interest every single year. Refinancing your existing loan to a lower rate is one of the most impactful financial moves a homeowner can make, and Nook makes it completely free to explore. We compare offers across BDO and over a dozen other partner banks so you always get the best deal on the table. Check out our 2026 BDO interest rate guide to understand how current rates compare to what you may be paying.
Applying through Nook means you get a dedicated mortgage advisor who handles the paperwork, follows up with the bank on your behalf, and makes sure your application is structured for the highest chance of approval — all at no charge. Whether you're a first-time buyer researching your options or an existing BDO borrower wondering if you can do better, Nook gives you the clearest picture of your home financing options in the Philippines. Note that interest rates are subject to change; always verify the latest rates with your bank 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 currently offers a 1-year fixed rate starting at 6.00% p.a. for housing loans, which is among the most competitive rates available from a major Philippine bank. Rates may vary depending on your loan amount, term, and credit profile, so it's worth getting a formal quote. Note that rates are subject to change — Nook can help you check the latest figures across multiple banks at once.
BDO requires a minimum monthly income of ₱50,000 and accepts borrowers from a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, and self-employed professionals. Your total debt obligations should not exceed 40% of your gross monthly income (the maximum debt-to-income ratio). For a full checklist of documents and eligibility criteria, visit our BDO housing loan requirements guide.
BDO's typical approval timeline is around 30 days from the time a complete application is submitted. Incomplete documents or discrepancies in your application are the most common causes of delays. Working with Nook helps ensure your application is complete and well-prepared before it reaches the bank, which can significantly speed up processing.
Yes — BDO accepts refinancing applications, and Nook can facilitate the entire process for you at no cost. If you're currently paying a rate above 7% or 8%, refinancing to BDO's current 6.00% rate (or even lower through other Nook partner banks) could save you thousands of pesos per month. Nook will compare your options across all partner banks and recommend the best fit for your situation.
BDO covers a comprehensive range of property types and loan purposes including ready-for-occupancy (RFO) homes, pre-selling properties, new construction, house and lot reselling, foreclosed properties, renovation financing, and home equity loans. This makes BDO a flexible option whether you're buying your first home, upgrading, or unlocking the equity in a property you already own.
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