BPI's current fixed rates start at 6.50% p.a. — but Nook partner banks can go as low as 5.99% p.a. Find out how much you could save by refinancing, completely free.
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Why this matters
BPI (Bank of the Philippine Islands) is one of the most trusted names in Philippine home lending, and for good reason. Their housing loan lineup for 2026 covers a range of fixed-rate periods — from a 1-year fixed at 6.70% p.a. to a 5-year fixed at 6.50% p.a. — making them a genuinely competitive option for both new borrowers and homeowners looking to refinance. If you took out your home loan with BPI or another bank several years ago, there's a strong chance your current rate is sitting between 7% and 10%, which means the potential savings from refinancing are significant. Use our BPI housing loan calculator to see exactly what your monthly payments look like across different rates and terms.
Through Nook, you can apply to refinance with BPI Family Savings Bank — a Nook partner bank — and take advantage of rates like 6.50% on a 5-year fixed period. BPI Family Savings Bank accepts a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. You'll need a minimum monthly income of ₱40,000 to qualify, and the typical approval timeline runs around 52 days. Beyond BPI, Nook also compares rates from over a dozen other Philippine banks simultaneously, so you're always seeing the full picture — not just one offer.
The best part? Nook's service is completely free to borrowers. There are no broker fees, no hidden charges, and no obligation to proceed after getting your rate comparison. Whether you're currently with BPI or any other lender, it takes just a few minutes to find out whether refinancing makes financial sense for your situation. For a deeper look at what documents you'll need, check out the complete BPI housing loan requirements guide. Note that all interest rates shown are subject to change — always verify current rates directly with the bank or through Nook before making a 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
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 housing loans in 2026. These rates apply to refinancing, RFO purchases, pre-selling, new construction, reselling, and home equity loans. Always confirm the latest rates directly with BPI or through Nook, as rates are subject to change without notice.
BPI's rates are competitive within the Philippine market, but they're not always the lowest available depending on your loan amount, term, and employment type. Nook compares BPI Family Savings Bank alongside 10+ other lenders simultaneously, so you can see side-by-side which bank offers you the best deal. The lowest rate currently available through Nook is 5.99% p.a., which could mean significant savings over a 20-year loan term.
Yes — whether your current loan is with BPI or any other bank, Nook can help you refinance to a lower rate. You could refinance to BPI Family Savings Bank or to another Nook partner bank that offers a better rate for your profile. The entire process is free for borrowers, and Nook handles the paperwork and bank coordination on your behalf.
BPI Family Savings Bank requires a minimum monthly income of ₱40,000 and a maximum debt-to-income ratio of 40%. They accept a broad range of employment types including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. For a full document checklist, visit our BPI housing loan requirements 2026 guide.
The typical approval timeline for a BPI Family Savings Bank housing loan is around 52 days from submission of complete documents. This timeline can vary depending on the complexity of your application and how quickly you submit the required paperwork. Applying through Nook can help speed up the process since Nook pre-checks your documents and coordinates directly with the bank on your behalf.
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