BPI housing loan rates start at 6.50% p.a. for a 5-year fixed term — and through Nook, you can compare and apply for free to make sure you're getting the best deal available.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers, and in 2026 it continues to offer competitive fixed rates for both new borrowers and those looking to refinance. The current BPI housing loan interest rates through Nook are 6.70% p.a. for a 1-year fixed term and 6.50% p.a. for a 5-year fixed term — making the 5-year fix a popular choice for homeowners who want rate certainty over the medium term. If you're currently carrying a loan at 8%, 9%, or higher, refinancing to a BPI rate through Nook could mean saving tens of thousands of pesos every year. You can use the BPI housing loan calculator to see exactly what your new monthly payment could look like.
BPI Family Savings Bank accepts a wide range of borrower profiles — including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying income is ₱40,000 per month, and the bank's debt-to-income ratio cap of 40% means most middle-income homeowners can qualify. Loan purposes covered include refinancing, home equity, renovation, pre-selling units, ready-for-occupancy properties, new construction, and reselling — giving you flexibility no matter where you are in your homeownership journey. Typical approval takes around 52 days, so it pays to get your documents in order early. For a full breakdown of what you'll need, see the complete BPI housing loan requirements guide.
Applying through Nook means you get access to BPI Family Savings Bank's rates alongside other leading Philippine lenders — all in one place, with zero broker fees. Nook's mortgage specialists handle the comparison and paperwork on your behalf, so you're not left navigating multiple bank portals alone. Whether you're refinancing to lower your monthly payment, accessing home equity, or locking in a fixed rate before the next rate cycle, Nook makes the process faster and more transparent. Note that all interest rates are subject to change — always verify current figures directly with the bank or through Nook before making a financial 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
Through Nook, 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. A Home Equity loan is also available at 6.70% p.a. These rates are subject to change, so we recommend confirming the latest figures through Nook or directly with BPI before you apply.
BPI Family Savings Bank is a strong refinancing option for many Filipino homeowners, especially those who want a reputable bank with competitive fixed rates and flexible eligibility criteria. If your current rate is above 7%, refinancing to BPI's 5-year fixed rate of 6.50% could generate meaningful monthly savings. Nook can help you compare BPI against other lenders to confirm it's the best fit for your situation.
BPI Family Savings Bank accepts borrowers from a wide range of employment categories, 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. Filipino citizens and eligible foreign nationals with a qualified co-borrower may also apply.
BPI Family Savings Bank typically takes around 52 days to process and approve a home loan application, from submission of complete documents to loan release. Preparing a complete documentary package upfront is the single biggest factor in avoiding delays. Nook's team will guide you through exactly what to prepare so your application moves as quickly as possible.
No — Nook's service is completely free for borrowers. Nook is paid by the bank when a loan is successfully facilitated, which means you get expert mortgage guidance, lender comparison, and application support at zero cost to you. There are no hidden fees, no commissions charged to you, and no obligation to proceed after your initial consultation.
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