BPI's 2026 home loan promos include fixed rates from 6.50% p.a. — if you're currently paying 8% or more, refinancing now could save you over 58,000 pesos every year.
BPI 2026 PROMO SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BPI's 2026 home loan promos are designed to make homeownership more accessible — and for existing borrowers, more affordable. Whether you're looking at a 1-year fixed rate at 6.70% p.a. or locking in stability with a 5-year fixed rate at 6.50% p.a., BPI's current promotional rates are among the most competitive in the Philippine market. These promos apply to new purchases, refinancing, and home equity loans, giving both first-time buyers and long-time homeowners a real opportunity to restructure at lower cost. If you want to understand how these rates translate to your exact monthly payment, our BPI housing loan calculator guide walks you through the numbers in detail.
For homeowners already carrying a home loan at 8%, 9%, or higher — which is common for loans taken out before 2023 — refinancing to a BPI promo rate can generate significant monthly relief. On a 3,000,000 peso balance with 20 years remaining, moving from 8.50% to BPI's 5-year fixed promo rate of 6.50% reduces your monthly obligation by thousands of pesos. That's real money redirected to your family, your business, or your other financial goals. Promo rates are time-sensitive and subject to credit approval, so acting before deadlines matters. Nook's free broker service helps you assess eligibility, gather the right documents, and submit a complete application — without paying a single centavo in fees.
Qualifying for BPI's 2026 promo rates requires meeting standard credit and income thresholds. BPI requires a minimum monthly income of 40,000 pesos, and your total debt obligations should not exceed 40% of your gross income. BPI accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed — making the promo accessible to a broad base of Filipino borrowers. For a full breakdown of what documents you'll need to prepare, see our BPI housing loan requirements checklist. Nook works directly with BPI as a partner broker, which means your application gets routed efficiently with typical approval timelines of around 52 days. Rates are subject to change — verify current promo availability through Nook or BPI directly.
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 is currently offering a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. for home loans in 2026. These rates apply to refinancing, new purchases, home equity, and other eligible loan purposes. Rates are subject to change and credit approval, so it's worth applying sooner rather than later to lock in current promo pricing.
To qualify, you'll generally need a minimum monthly income of 40,000 pesos and a total debt-to-income ratio not exceeding 40%. BPI accepts borrowers from a wide range of employment backgrounds, including private employees, government workers, OFWs, self-employed professionals, and BPO workers. Nook can run a quick eligibility check for free before you formally apply.
Promotional rates are typically time-limited and subject to change based on market conditions and BPI's internal pricing decisions. While no fixed public deadline is always advertised, waiting longer increases the risk that current rates will be adjusted upward. Applying now through Nook ensures your application is processed while these rates remain available.
No — Nook's service is completely free to borrowers. Nook is a licensed mortgage broker that earns from its partner banks, not from you. You get the same BPI promo rates you'd access directly, plus hands-on guidance, document support, and faster processing — at zero cost.
BPI's typical approval timeline is approximately 52 days from submission of a complete application. Incomplete documents are the most common cause of delays, so submitting a full and accurate file from the start is essential. Nook helps you prepare and review your documents before submission to minimise back-and-forth with the bank.
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