Calculate your exact monthly amortization for a BPI housing loan — then see how much you could save by refinancing to as low as 5.99% p.a. through Nook, completely free.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers, offering fixed-rate terms from 1 to 5 years with competitive pricing. For 2026, BPI's published home loan rates start at 6.50% for a 5-year fixed term and 6.70% for a 1-year fixed or home equity loan — making it a strong option whether you're buying a new property or refinancing your existing mortgage. To use this calculator, simply input your desired loan amount, remaining term, and the applicable interest rate to get your estimated monthly amortization instantly.
If you already have a BPI housing loan — or any home loan from another Philippine bank — it's worth comparing your current rate against what's available today. Many Filipino homeowners are still paying rates of 8% to 10% or higher from loans taken out several years ago. By refinancing to a lower rate through Nook, you could significantly reduce your monthly payment and free up cash for other priorities. For example, on a ₱3,000,000 loan with 20 years remaining, switching from 8.50% to 5.99% could save you over ₱3,000 every single month. You can explore how BPI stacks up against other lenders in our BPI vs Security Bank vs Metrobank home loan rates comparison for 2026.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We handle the paperwork, negotiate on your behalf, and submit your application directly to our partner banks — including BPI Family Savings Bank. BPI accepts a wide range of borrower profiles including private employees, government workers, BPO employees, OFWs, seafarers, self-employed professionals, and more, with a minimum monthly income requirement of ₱40,000. Typical approval takes around 52 days. If you're considering a takeout refinance, you may also want to read our BPI vs RCBC home loan takeout rates comparison to see all your options. Please note that interest rates are subject to change — always verify current rates with your lender or through Nook before making 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. for home loans in 2026. Home equity loans are also available at 6.70% p.a. These rates are among the most competitive offered by major Philippine banks, though rates are subject to change so we recommend confirming the latest figures directly with BPI or through Nook.
Monthly amortization is calculated using the standard reducing-balance formula based on your loan amount, interest rate, and loan term. For example, a ₱3,000,000 loan at 6.50% over 20 years yields an estimated monthly payment of around ₱22,361. You can use Nook's calculator above by inputting your specific figures to get an instant, accurate estimate.
BPI Family Savings Bank accepts a broad range of borrower types including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱40,000, and your total debt-to-income ratio should not exceed 40%. BPI also accepts loan purposes ranging from purchase of ready-for-occupancy units and pre-selling properties to refinancing and renovation.
Yes — if you have an existing home loan with any Philippine bank (including BDO, Metrobank, Security Bank, or even BPI itself), you can apply to refinance to BPI Family Savings Bank through Nook at no cost to you. Nook will assess your current loan, compare available rates across partner banks, and submit your application on your behalf. The entire process is handled digitally, and typical approval takes around 52 days.
Yes, Nook's mortgage brokerage service is completely free for borrowers — there are no broker fees, application fees, or hidden charges on Nook's side. Nook is compensated directly by the bank upon successful loan disbursement, so you get full access to expert guidance, document assistance, and bank comparison at zero cost to you. Standard bank charges such as appraisal fees and documentary stamp tax still apply as required by the lender.
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