Use Nook's free calculator to estimate your BPI home loan monthly amortization — then see if refinancing could cut your payments by thousands every month.
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Why this matters
BPI is one of the Philippines' most trusted home loan providers, and for good reason — they offer competitive fixed rates, flexible loan terms, and a relatively accessible minimum income requirement of P40,000 per month. Whether you're buying a new property or looking to refinance your existing home loan, BPI Family Savings Bank's current rates start at 6.50% for a 5-year fixed term and 6.70% for a 1-year fixed or home equity loan. If you're currently paying a rate above 8% or 9%, even moving to BPI alone could mean saving tens of thousands of pesos every year. See how BPI stacks up against the competition in our BPI vs Security Bank vs Metrobank 2026 comparison.
Nook's calculator uses standard amortization methodology to give you an accurate picture of what your monthly payments would look like at BPI's current published rates. Simply enter your loan amount, remaining term, and current interest rate — and we'll show you the difference immediately. There's no obligation, no hard credit inquiry, and no cost to you. Nook is a fully free service for borrowers: we're paid by the banks, not by you. If you're also weighing whether to stay with BPI or switch to another lender, our BPI vs RCBC home loan takeout rates comparison is a great place to start your research.
When you're ready to move beyond estimates, Nook's team can handle the entire refinancing application on your behalf — from document preparation to bank submission. BPI typically processes approved refinance applications in around 52 days, and with Nook managing the coordination, you avoid the back-and-forth that usually slows things down. Whether you're refinancing a condominium, house and lot, or using your property for home equity purposes, BPI accommodates a wide range of loan purposes for employed professionals, OFWs, self-employed individuals, and BPO workers alike. Note: Interest rates are subject to change. Please verify current rates with BPI or through Nook before making any financial decisions.
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
BPI Family Savings Bank currently offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. Home equity loans are also available at 6.70% p.a. These rates are subject to change, so we recommend verifying the latest figures through Nook or directly with BPI before applying.
Nook's calculator uses standard amortization formulas based on BPI's published rates, your loan amount, and your remaining term — giving you a highly realistic monthly payment estimate. Keep in mind that your actual amortization may vary slightly depending on your specific loan structure, processing fees, and the fixed-rate period you choose.
Yes — BPI accepts refinancing applications for home loans originally taken out with other banks, a process sometimes called a loan takeout. Nook can help you determine if a BPI refinance makes financial sense for your situation and handle the application at no cost to you.
BPI Family Savings Bank requires a minimum monthly income of P40,000, which is accessible for many middle-income Filipino households. They accept borrowers across a wide range of employment types including private employees, government workers, OFWs, seafarers, self-employed professionals, and BPO employees.
BPI typically completes the approval process for home loan refinancing in approximately 52 days from the time a complete set of documents is submitted. Working with Nook can help speed up the process by ensuring your documents are complete and correctly prepared before submission, reducing back-and-forth with the bank.
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