BPI Family Savings Bank is offering fixed rates starting at 6.50% p.a. — and through Nook, you can apply for free and find out if you qualify fast.
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Why this matters
If you have an existing BPI home loan or are currently paying a variable rate from another bank, 2026 could be the year you finally lock in a lower fixed rate. BPI Family Savings Bank — a Nook partner — is currently offering a 1-year fixed rate of 6.70% p.a. and a compelling 5-year fixed rate of 6.50% p.a., both well below the 8–10% rates many Filipino homeowners are still paying today. For a loan of 3,000,000 on a 20-year term, switching to a 6.50% rate could save you over 3,500 pesos every single month. That is real money back in your pocket — money you could use for your family, your business, or your future. You can use BPI's monthly payment calculator to see exactly how much your repayments would change based on your specific loan balance.
BPI Family Savings Bank has straightforward eligibility requirements. You need a minimum monthly income of 40,000 pesos and can be employed in the private sector, government, BPO, or work as an OFW, seafarer, self-employed professional, or business owner. Loan purposes covered include refinancing, home equity, renovation, new construction, pre-selling, RFO, reselling, and foreclosed properties — making it one of the more flexible options on the market. Approval typically takes around 52 days, and your total debt obligations should not exceed 40% of your gross monthly income. For a full breakdown of what documents and requirements to prepare, check out the complete BPI housing loan requirements guide.
Through Nook, applying to BPI Family Savings Bank is completely free — no broker fees, no hidden charges, and no obligation to proceed. Nook is the Philippines' first digital mortgage broker, and our job is to help you compare your options and find the best deal for your situation. Whether you are refinancing an existing loan or taking out a new home loan, we handle the paperwork and coordinate with the bank on your behalf. Interest rates are subject to change, so it is always worth checking the latest figures before you apply — but right now, BPI's 2026 promo rates represent some of the most competitive offers available in the market.
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 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. for home loans in 2026. These are among the most competitive rates available in the Philippine market right now. Note that rates are subject to change, so we recommend verifying the latest figures before submitting your application.
You are eligible if you earn at least 40,000 pesos per month and fall under one of the following employment categories: private sector employee, government employee, BPO worker, OFW or seafarer, self-employed individual, or licensed professional. Your total monthly debt obligations must also not exceed 40% of your gross monthly income. Both Filipino citizens and qualified foreign nationals with Filipino spouses may apply.
BPI Family Savings Bank typically processes and approves housing loan applications within around 52 days from the date of submission of complete requirements. The timeline can vary depending on how quickly documents are verified and whether any additional information is needed. Applying through Nook can help streamline the process since we guide you through every step and ensure your documents are in order before submission.
Yes, refinancing is one of the loan purposes covered under BPI Family Savings Bank's home loan product. If you are currently paying a higher rate with another bank — or even an older BPI loan — you may be able to switch to BPI's current promo rate and significantly reduce your monthly payment. For a detailed look at how BPI refinancing rates compare, see the BPI home loan interest rates 2026 guide.
Yes, Nook's service is 100% free for borrowers — there are absolutely no broker fees or service charges on your end. Nook earns a referral fee directly from the bank upon successful loan disbursement, which means you get expert guidance, document support, and bank coordination at no cost to you. There is no obligation to proceed at any stage, so you can explore your options risk-free.
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