BPI is offering some of the most competitive housing loan rates in 2026 — including a 5-year fixed rate of 6.50% p.a. Apply through Nook for free and skip the paperwork headaches.
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Why this matters
BPI housing loan promos in 2026 are worth paying close attention to — especially if you bought your home a few years ago and haven't reviewed your rate since. Many Filipino homeowners are still locked into rates between 7.5% and 9%, well above what BPI is currently offering through Nook. BPI Family Savings Bank's promo rates start at 6.50% p.a. for a 5-year fixed term and 6.70% p.a. for a 1-year fixed or home equity loan. On a 3,000,000-peso loan over 20 years, that difference can add up to hundreds of thousands of pesos in total savings. If you want to crunch your own numbers first, try the BPI housing loan calculator to see your estimated monthly payment.
What makes BPI's 2026 promo stand out is the combination of rate competitiveness and accessibility. You only need a minimum monthly income of 40,000 pesos to qualify, and BPI accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. Loan purposes covered include refinancing, purchase of ready-for-occupancy and pre-selling properties, new construction, renovation, reselling, home equity, and even foreclosed properties. Typical approval 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 eligibility criteria to prepare, see the complete BPI housing loan requirements guide.
Applying through Nook means you get access to BPI's promo rates with zero broker fees — Nook's service is completely free to borrowers. Nook's mortgage specialists handle the coordination with BPI on your behalf, help you prepare your documents correctly the first time, and make sure your application is positioned for the fastest possible approval. Whether you're refinancing an existing loan or purchasing a new property, Nook can match you with the right BPI promo product for your situation. Interest rates are subject to change — we recommend verifying the latest rates directly with Nook or BPI before committing to any loan.
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 5-year fixed rate of 6.50% p.a. — one of the most competitive rates available in the Philippine market right now. A 1-year fixed rate and home equity loan rate of 6.70% p.a. are also available. These rates are subject to change, so it's worth checking with Nook for the most up-to-date figures before you apply.
To qualify, you need a minimum monthly income of 40,000 pesos 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, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. For a detailed eligibility and document checklist, visit the BPI housing loan requirements 2026 guide.
Yes — refinancing is one of the loan purposes explicitly covered under BPI's 2026 housing loan promo. If your current rate is above 7%, refinancing to BPI's 6.50% or 6.70% promo rate could reduce your monthly payment by thousands of pesos. Nook can help you calculate your potential savings and manage the entire refinancing process at no cost to you.
BPI's typical approval timeline is around 52 days from submission of a complete application. Delays are most often caused by incomplete documents or title issues, so getting your paperwork right the first time is critical. Applying through Nook gives you access to a specialist who will review your documents before submission to help avoid unnecessary back-and-forth with the bank.
No — Nook's mortgage broker service is completely free to borrowers. Nook is compensated by the bank, not by you, so you get expert guidance and access to BPI's promo rates without paying a single peso in broker fees. You get the same promo rates you'd get going directly to BPI, but with the added benefit of having a dedicated mortgage specialist in your corner.
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