Use this calculator to estimate your BPI housing loan monthly amortization based on your salary, loan amount, and fixing period — then see if you can lower your rate through Nook for 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 periods from 1 to 5 years. For 2026, BPI's published rates start at 6.50% for a 5-year fixed period and 6.70% for a 1-year fix or home equity loan — making it one of the more competitive options among major Philippine banks. To qualify, you'll need a minimum monthly income of ₱40,000, and BPI accepts a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. Typical loan approval takes around 52 days, and BPI's maximum debt-to-income ratio is 40%, meaning your total monthly debt obligations should not exceed 40% of your gross monthly income.
When using any BPI housing loan calculator, it's important to understand the inputs that affect your monthly amortization: the loan amount, the loan term (usually 15–25 years), and the interest rate for your chosen fixing period. For example, a ₱3,000,000 loan on a 20-year term at 8.50% results in a monthly payment of approximately ₱26,035. Refinancing that same loan to BPI's 5-year fixed rate of 6.50% through Nook would bring your monthly payment down to around ₱22,308 — a savings of over ₱3,700 every month. If you're comparing options across lenders, you may also want to read our BPI vs Security Bank vs Metrobank home loan rates comparison for 2026 to see how BPI stacks up against other major banks.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work directly with BPI Family Savings Bank as a partner, which means we can help you apply for a BPI home loan or refinance your existing loan — at no cost to you. Whether you're buying your first home, refinancing to a lower rate, or accessing your home equity, Nook submits your application to multiple lenders simultaneously so you always get the best deal available. Note that interest rates are subject to change; always verify the latest BPI rates with Nook or directly with the bank before making any financial decisions. If you're also evaluating whether BPI or another bank is the right fit, our BPI vs Landbank home loan rates comparison breaks down the key differences for refinancing borrowers.
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, including refinancing and home equity. These are among the more competitive rates available from a major Philippine bank, though rates are subject to change — check with Nook or BPI directly for the most current figures.
Your monthly amortization depends on three factors: your loan amount, your chosen loan term (typically 15–25 years), and the applicable interest rate for your fixing period. For a ₱3,000,000 loan over 20 years at 6.50%, the estimated monthly payment is approximately ₱22,308. Use the calculator on this page or speak with a Nook mortgage advisor for a precise computation based on your specific details.
BPI requires a minimum gross monthly income of ₱40,000 for home loan applicants. BPI accepts a wide range of employment types, including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. Your total monthly debt obligations must also not exceed 40% of your gross monthly income (the maximum debt-to-income ratio).
BPI's typical loan approval timeline is around 52 days from the date of complete document submission. This includes credit evaluation, property appraisal, and loan documentation. Applying through Nook can help streamline the process, as our team guides you through the requirements and ensures your submission is complete from day one.
Yes, Nook's service is 100% free to borrowers — there are no broker fees, no hidden charges, and no markups on the interest rate you receive. Nook earns a referral fee directly from the bank, which means you get expert guidance and access to BPI's competitive rates at zero additional cost to you. You can apply for a BPI home loan or refinance through Nook today without spending anything.
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