Estimate your monthly amortization with BPI's 2026 housing loan rates — then see how much you could save by refinancing through Nook, completely free.
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Why this matters
BPI is one of the Philippines' most trusted home loan providers, and for good reason — competitive fixed rates, a streamlined application process, and nationwide branch coverage make it a go-to choice for Filipino homebuyers and refinancers alike. Through Nook, you can access BPI Family Savings Bank's current rates starting at 6.50% p.a. for a 5-year fixed term, with a 1-year fixed option at 6.70% p.a. For a 3,000,000 loan on a 20-year term, that's a meaningful difference compared to the 8–10% rates many homeowners are still carrying from loans taken out several years ago. If you're curious how BPI stacks up against other lenders, our BPI vs Security Bank vs Metrobank 2026 rates comparison breaks it down side by side.
Using a housing loan calculator is the fastest way to understand the real cost of your mortgage — and the real opportunity in refinancing. Enter your outstanding balance, remaining term, and current interest rate, and you'll immediately see how much your monthly payment could drop by switching to a lower rate through BPI. For a borrower paying 9.00% on a 3,000,000 loan, moving to BPI's 5-year fixed rate of 6.50% could reduce monthly payments by over 4,850 — that's more than 58,000 saved every year. Over a 15-year remaining term, the total interest savings can reach into the hundreds of thousands of pesos.
Nook's service is 100% free to borrowers. We handle the paperwork, coordinate with BPI on your behalf, and make sure you're getting the best rate available — without any broker fees or hidden charges. Whether you're buying a new home or refinancing an existing loan, Nook makes it easy to move fast. BPI typically approves applications within 52 days, with a minimum monthly income requirement of 40,000 and a maximum debt-to-income ratio of 40%. Eligible borrowers include private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and more. Not sure if BPI or another bank is the better fit? Check our BPI vs Landbank rates comparison to see which lender offers better refinancing terms for your situation. Interest rates are subject to change — always verify the latest rates before submitting your application.
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
Through Nook, BPI Family Savings Bank offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. A Home Equity loan option is also available at 6.70% p.a. These rates are subject to change, so we recommend verifying the latest figures before applying.
Your monthly amortization depends on three things: your loan amount, your interest rate, and your loan term. For example, a 3,000,000 loan at 6.50% over 20 years works out to approximately 22,966 per month. Nook's calculator lets you adjust these variables instantly to see your estimated payment.
BPI Family Savings Bank accepts applications from a wide range of borrowers, 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 obligations should not exceed 40% of your gross monthly income.
Yes — refinancing, also called a home loan takeout, is one of BPI's supported loan purposes. If you're currently paying a higher rate at BDO, Metrobank, Security Bank, or another lender, you can refinance with BPI through Nook to potentially lower your rate and reduce your monthly payment. Nook's refinancing service is completely free for borrowers.
BPI Family Savings Bank typically processes and approves housing loan applications within 52 days. Applying through Nook can help speed things up — our team prepares your documents, follows up with the bank on your behalf, and keeps you updated throughout the entire process at no cost to you.
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