BPI is offering some of its most competitive housing loan rates in years — with a 5-year fixed rate starting at 6.50% p.a. Apply through Nook for free and see how much you could save.
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Why this matters
If you're shopping for a housing loan in 2026, BPI Family Savings Bank is one of the strongest options on the market. Their current promo rates include a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. — well below what many Filipinos are currently paying on older loans. Whether you're buying your first home, refinancing an existing loan, or tapping your home equity, BPI offers flexible loan purposes including RFO properties, pre-selling, new construction, renovation, and reselling. Before you apply, it helps to understand BPI's full housing loan requirements so you can prepare your documents in advance and avoid delays.
BPI's minimum qualifying income starts at P40,000 per month, and they accept a wide range of employment types — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and licensed practitioners. Typical approval takes around 52 days, and BPI's maximum debt-to-income ratio is 40%, meaning your total monthly loan obligations should not exceed 40% of your gross monthly income. If you want to estimate what your monthly payment would look like at different loan amounts and terms, try using the BPI housing loan calculator guide to run your numbers before you apply.
The smartest way to access BPI's 2026 housing loan promos is through Nook — the Philippines' first digital mortgage broker. Nook's service is completely free to borrowers, and their team handles the entire application process on your behalf, from document preparation to bank submission. Instead of walking into a branch and negotiating blind, Nook lets you compare BPI's rates against other partner banks to make sure you're getting the best deal available. Note that all interest rates are subject to change — always verify current promo rates directly through Nook or BPI before finalising 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
BPI Family Savings Bank is currently offering a 5-year fixed rate of 6.50% p.a. and a 1-year fixed rate of 6.70% p.a. These are among the most competitive rates available from a major Philippine bank right now. Rates are subject to change, so it's best to lock in your application as soon as possible.
To qualify, you'll need a minimum monthly income of P40,000 and a total debt-to-income ratio of no more than 40%. BPI accepts applicants from a wide range of employment backgrounds including private employees, government workers, OFWs, self-employed individuals, and licensed professionals. You can review the full eligibility checklist in our BPI housing loan requirements 2026 guide.
Yes — refinancing is one of the eligible loan purposes under BPI's housing loan program. If your current loan is at 8% or higher, switching to BPI's 6.50% 5-year fixed rate could reduce your monthly payment significantly. Nook can run a free savings estimate for you based on your current balance, rate, and remaining term.
BPI's typical approval timeline is around 52 days from submission of a complete application. Delays are most often caused by incomplete documents, so preparing your requirements thoroughly before applying is key. Applying through Nook can help streamline this process since their team reviews your documents before submission.
Yes, Nook's mortgage brokering service is 100% free to borrowers — you pay nothing for Nook's assistance at any stage of the process. Nook is compensated directly by the bank upon successful loan disbursement, which means there's no cost to you for getting expert guidance and a managed application. It's the easiest way to access BPI's 2026 promo rates without any added fees.
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