BPI is offering some of the most competitive housing loan rates in the market right now — starting at 6.50% p.a. fixed for 5 years. If you're paying more than that on your current home loan, it's time to find out how much you could be saving.
YOUR POTENTIAL MONTHLY SAVINGS
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Why this matters
BPI's housing loan promos for 2026 are designed to make homeownership more accessible — and refinancing more rewarding. Through Nook, eligible borrowers can access BPI Family Savings Bank's promotional rates, including a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. These are among the sharpest rates currently available from any major Philippine bank, and they apply to a wide range of loan purposes including refinancing, home equity, ready-for-occupancy units, pre-selling, new construction, and renovation. If you want to understand the full picture of how these rates stack up across different fixing periods, the BPI home loan interest rates 2026 guide breaks it all down clearly.
Qualifying for BPI's promo rates is more straightforward than many borrowers expect. BPI Family Savings Bank accepts applicants from a broad range of employment types — private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 40,000 pesos, and the maximum debt-to-income ratio is 40%, meaning your total monthly loan obligations (including the new housing loan payment) should not exceed 40% of your gross monthly income. Typical approval takes around 52 days. If you want to make sure your documents are in order before applying, check out the complete BPI housing loan requirements checklist to avoid delays.
Applying through Nook means you get access to BPI's promo rates — and Nook's broker service — at absolutely no cost to you. Nook is the Philippines' first digital mortgage broker, and our fee is paid by the bank, not the borrower. We compare offers across multiple partner banks so you can be confident you're getting the best deal available for your situation. Whether you're refinancing an existing loan or purchasing a new property, Nook handles the heavy lifting so you don't have to. Note that interest rates are subject to change without prior notice — we recommend verifying current promotional rates directly with BPI or through Nook 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 is currently offering a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. These promotional rates apply to a range of loan purposes including refinancing, home equity, and property purchases. Rates are subject to change, so it's best to check current availability through Nook before applying.
BPI Family Savings Bank accepts applications from private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of 40,000 pesos and your total monthly debt obligations must not exceed 40% of your gross monthly income. Filipino citizens and qualified foreign nationals may also be eligible depending on the loan purpose.
BPI Family Savings Bank typically processes and approves housing loan applications in around 52 days from the date of complete document submission. Incomplete submissions are the most common cause of delays, so it's worth reviewing the full requirements checklist before you apply. Applying through Nook can help streamline the process since our team reviews your documents before submission.
Yes — refinancing is one of the eligible loan purposes under BPI's current housing loan promo. If your existing home loan is with another bank and you're paying a rate higher than 6.50% to 6.70%, switching to BPI through a refinance could result in significant monthly savings. Nook can calculate your exact savings and manage the refinancing process for you at no charge.
No — Nook's mortgage broker service is completely free for borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, so you pay nothing for access to our comparison service, application support, or document review. You get the same BPI promo rates you would applying directly, with the added benefit of having an experienced broker in your corner.
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