BPI Family Savings Bank is offering housing loan rates starting at 6.50% p.a. — and through Nook, you can apply for free and find out if you qualify in minutes.
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Why this matters
If you've been hearing about the BPI housing loan promo for 2026, here's what you need to know: BPI Family Savings Bank — one of Nook's verified partner banks — is currently offering some of the most competitive home loan rates in the Philippines. Their 5-year fixed rate sits at 6.50% p.a., while the 1-year fixed and home equity options come in at 6.70% p.a. For homeowners still paying rates of 8% to 10% on older loans, refinancing to BPI through Nook could mean saving tens of thousands of pesos every single year. Before you apply directly, it's worth reviewing the complete BPI housing loan requirements checklist so you know exactly what documents to prepare.
BPI Family Savings Bank accepts a wide range of borrower profiles — including salaried employees in the private sector, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P40,000, and the bank typically processes applications within 52 days. Whether you're looking to refinance an existing loan, tap your home equity, buy a ready-for-occupancy property, or fund a renovation, BPI has a loan purpose that fits your situation.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We submit your application to BPI and other partner banks on your behalf, compare the offers you receive, and guide you through every step — from document submission to loan release. There's no broker fee, no hidden charges, and no obligation to proceed. If you want to understand what's needed to qualify, check out the BPI housing loan requirements for 2026 including TIN and income checklist before getting started. Interest rates are subject to change; always verify current rates 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 5-year fixed rate of 6.50% p.a. and a 1-year fixed rate of 6.70% p.a. for housing loans. These are among the most competitive rates available in the Philippine market right now. Note that rates are subject to change, so it's best to confirm the latest figures through Nook or directly with BPI.
BPI Family Savings Bank regularly updates its home loan offerings, and their current rates reflect competitive pricing designed to attract qualified borrowers. Through Nook, you get access to BPI's latest available rates along with a free comparison against other partner banks. This means you're always getting the best deal available to your profile — not just whatever the bank's walk-in counter shows.
BPI Family Savings Bank accepts applicants from a broad range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and professionals. The minimum qualifying monthly income is P40,000, and your total debt obligations should not exceed 40% of your gross monthly income. You must also be a Filipino citizen or a qualified foreign national with eligible property.
BPI Family Savings Bank typically processes and approves housing loan applications within approximately 52 days from submission of complete documents. Incomplete submissions are the most common reason for delays, so preparing your full document package upfront is critical. Applying through Nook helps streamline this process since our team reviews your documents before submission to avoid back-and-forth with the bank.
Nook is a licensed mortgage broker that submits your application to BPI and other partner banks on your behalf — at zero cost to you. We handle the paperwork, compare loan offers, and guide you through the entire process from application to approval. There are no broker fees, no hidden charges, and no pressure to proceed if you're not satisfied with the offers you receive.
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