BPI is offering fixed rates from 6.50% p.a. in 2026 — and if you're currently paying 8% or more on your home loan, switching could save you over 58,000 pesos every year.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BPI's 2026 housing loan promos are among the most competitive currently available in the Philippine market. Through Nook, eligible borrowers can access BPI Family Savings Bank's fixed rates — 6.70% for a 1-year fix and 6.50% for a 5-year fix — on home loan refinancing, equity takeout, and purchase financing. These rates apply to a wide range of property types including ready-for-occupancy homes, pre-selling units, and resale properties. If you want to see how your monthly payment compares under different scenarios, the BPI housing loan calculator is a useful starting point before you apply.
To qualify for BPI's promo rates in 2026, applicants typically need a minimum monthly income of 40,000 pesos and a debt-to-income ratio of no more than 40%. BPI accepts a broad range of employment types — including private employees, government workers, BPO staff, OFWs and seafarers, self-employed professionals, and business owners — making it one of the more accessible lenders for Filipino borrowers in different income situations. Typical loan approval takes around 52 days from complete document submission. For a full breakdown of what you'll need to prepare, check the BPI housing loan requirements checklist.
Applying through Nook is completely free for borrowers. Nook works as a digital mortgage broker, comparing offers across multiple partner banks and helping you submit a single application that reaches the right lender for your profile. There are no broker fees, no hidden charges, and no obligation to proceed after you receive your loan offers. Interest rates are subject to change — the rates shown here reflect current published promos and should be verified at the time of 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 promo rates apply to refinancing, home equity loans, and purchase financing for eligible borrowers. Rates are subject to change, so we recommend verifying the latest offers when you submit your application.
BPI requires a minimum monthly income of 40,000 pesos and a total debt-to-income ratio of 40% or below. Eligible borrowers include private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Both Filipino citizens and certain qualified foreign nationals may apply depending on the property type.
Yes — refinancing is one of the supported loan purposes under BPI's 2026 housing loan program. If you're currently locked into a higher rate with another bank, refinancing to BPI's 5-year fixed rate of 6.50% could significantly reduce your monthly payment. Nook can help you calculate your potential savings and manage the refinancing process at no cost to you.
BPI's typical loan approval timeline is around 52 days from the date of complete document submission. Delays are usually caused by incomplete paperwork or title issues, so preparing your documents thoroughly before applying can help speed things up. Applying through Nook gives you access to a dedicated loan specialist who can flag any gaps in your application before it reaches the bank.
No — Nook's service is completely free for borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, which means you receive full mortgage broker support without paying anything out of pocket. You'll receive loan offers, document guidance, and application follow-up all at zero cost.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →