Estimate your BPI home loan monthly payment instantly — then see how much you could save by refinancing to a lower rate through Nook, for free.
YOUR POTENTIAL SAVINGS WITH NOOK
No commitment. No credit check. Just your numbers.
Why this matters
Planning to take out a BPI home loan — or already paying one off? Before you commit to a monthly payment, it pays to understand exactly what you're signing up for. BPI Family Savings Bank offers competitive fixed rates starting at 6.50% for a 5-year fixed term and 6.70% for a 1-year fixed term, making it one of the more accessible options in the Philippine market with a minimum monthly income requirement of just ₱40,000. But many existing BPI borrowers are still locked into older rates of 8% to 9% or higher — rates that made sense when they first signed, but may no longer be the best deal available. Use Nook's free calculator to see what your current payment actually is, and what it could be. For a full breakdown of what BPI looks for in a borrower, check out our BPI housing loan requirements guide.
A home loan calculator works by applying a standard amortisation formula to your loan amount, interest rate, and remaining term. For example, on a ₱3,000,000 loan with 20 years remaining, a borrower paying 8.50% p.a. is spending around ₱26,035 per month. At Nook's best available refinance rate of 5.99% p.a., that same borrower could bring their payment down to approximately ₱22,966 — a saving of over ₱3,000 every single month. Over the remaining loan term, that adds up to more than ₱550,000 in total interest savings. The calculation is straightforward, but the impact on your household budget is anything but small. To understand how BPI's rates stack up across different fixed periods, see our detailed BPI home loan interest rates guide for 2026.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work with BPI Family Savings Bank and a panel of other lenders to find you the lowest rate you qualify for — handling the paperwork, lender negotiations, and application process on your behalf. Whether you're a first-time buyer running the numbers or an existing homeowner looking to refinance, our calculator gives you a real, honest starting point. Interest rates are subject to change; always confirm current rates directly with your lender or through Nook before making a financial 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
The calculator uses a standard amortisation formula that takes your loan amount, interest rate, and remaining term to compute your exact monthly payment. Simply enter your figures and it instantly shows you what you'd pay each month under BPI's current rates. You can also adjust the rate to compare what refinancing could save you.
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. for home loans. These are among the more competitive rates in the market, though rates are subject to change — always verify the latest figures with BPI directly or through Nook before applying.
Yes — just enter your current loan balance, remaining term, and your existing interest rate to see your current monthly payment. Then compare it against Nook's best available refinance rate of 5.99% p.a. to see exactly how much you could save every month and over the life of your loan.
BPI Family Savings Bank requires a minimum monthly income of ₱40,000 to qualify for a home loan. They accept borrowers across a wide range of employment types including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and professionals.
Yes, Nook's mortgage brokering service is 100% free to borrowers — there are no broker fees or hidden charges on your side. Nook is compensated by the lender when your loan is successfully placed, which means you get expert guidance, lender comparisons, and full application support at no cost to you.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →