BPI is offering fixed rates starting at 6.50% p.a. for qualified borrowers in 2026 — and applying through Nook is completely free. See how much you could save before this promo window closes.
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Why this matters
BPI's 2026 housing loan promos are designed for borrowers who want rate certainty without sacrificing flexibility. The standout offer is a 5-Year Fixed Rate of 6.50% p.a. — one of the most competitive fixed-rate packages available from a major Philippine bank right now. Whether you're refinancing an existing home loan, purchasing a ready-for-occupancy property, or tapping your home equity for renovations, BPI has a loan purpose that fits. A 1-Year Fixed option at 6.70% p.a. is also available for borrowers who want to reassess sooner. To understand how these rates translate into monthly payments for your specific loan balance, try the BPI housing loan calculator for a personalised estimate.
Qualifying for a BPI housing loan promo in 2026 is more accessible than many borrowers expect. The minimum monthly income requirement is P40,000, and BPI accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, the self-employed, and licensed professionals. The maximum debt-to-income ratio is 40%, which means your total monthly debt obligations (including the new housing loan payment) should not exceed 40% of your gross monthly income. Typical loan approval takes around 52 days, so it pays to start your application early if you want to lock in a promo rate before the offer period ends. For a full breakdown of what documents you'll need, see the complete BPI housing loan requirements guide.
Applying through Nook gives you a meaningful advantage: our mortgage brokers compare BPI's promo rates against offers from multiple other partner banks, so you know you're getting the best deal available — not just the first one you find. Nook's service is 100% free to borrowers; we're paid by the bank, never by you. If BPI's 2026 promo is the right fit, we'll help you prepare a strong application and track it through to approval. If another lender offers a better rate for your situation, we'll tell you honestly. Please note that interest rates are subject to change — verify current promotional rates 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
BPI's most competitive promo rate for 2026 is 6.50% p.a. on a 5-Year Fixed term, available for eligible borrowers on purchase, refinancing, and home equity loans. A 1-Year Fixed rate of 6.70% p.a. is also available if you prefer a shorter lock-in period. Rates are subject to change, so it's worth confirming the current offer when you apply.
BPI accepts applications from private employees, government workers, BPO professionals, OFWs, seafarers, the self-employed, and licensed professionals. You'll need a minimum monthly income of P40,000 and a total debt-to-income ratio that doesn't exceed 40%. Meeting these criteria doesn't guarantee approval, but most salaried applicants with stable employment history are well-positioned to qualify.
BPI's typical loan approval timeline is around 52 days from the date of complete document submission. Starting early is important if you're trying to lock in a promotional rate, since promos can expire or change before your application is processed. Nook can help you prepare a complete application package to avoid unnecessary delays.
Yes — refinancing is one of the eligible loan purposes under BPI's 2026 housing loan promo. If your current home loan is priced at 8% or higher, switching to BPI's 5-Year Fixed rate of 6.50% p.a. could reduce your monthly payment significantly and save you hundreds of thousands of pesos over the remaining loan term. Nook can calculate your exact savings based on your current balance and rate.
Yes, Nook's mortgage brokering service is completely free for borrowers — there are no application fees, broker fees, or hidden charges on our side. Nook is compensated directly by the bank when a loan is successfully facilitated, which means you get expert guidance and rate comparisons at no cost to you. You can start your application in minutes and a Nook mortgage specialist will guide you through the entire process.
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