BPI is offering some of the most competitive housing loan rates in the market right now — as low as 6.50% fixed for 5 years. See if you qualify and how much you could save by applying through Nook for free.
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Why this matters
BPI's 2026 housing loan promos are designed to make homeownership and refinancing more accessible for Filipinos. Whether you're buying a new home, refinancing an existing loan, or tapping your home's equity, BPI Family Savings Bank currently offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. — both significantly lower than the 8% to 10% that many homeowners are still paying on older loan packages. If your current loan is more than two years old, there's a strong chance you're overpaying every month. You can use the BPI housing loan calculator to estimate your potential new monthly payment before you even apply.
Qualifying for a BPI housing loan promo is more straightforward than many borrowers expect. BPI accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed — with a minimum monthly income requirement of 40,000 pesos. The key eligibility factors are a stable income history, a debt-to-income ratio below 40%, and a property with a clean title. For a full breakdown of what documents you'll need to prepare, check the complete BPI housing loan requirements guide. Typical approval takes around 52 days, so it pays to start early.
Applying through Nook gives you an important advantage: as the Philippines' first digital mortgage broker, Nook compares BPI's promo rates against other leading banks at no cost to you. There are no broker fees and no obligation — just a clearer picture of which bank and which promo truly gives you the best deal for your specific loan amount and term. Whether you end up with BPI or another lender, you'll know you made an informed decision. Note that interest rates are subject to change; always verify the latest rates directly with BPI or through Nook before making any financial commitments.
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 currently offers a 5-year fixed rate of 6.50% p.a., which is one of the most competitive promotional rates available in the Philippine market today. A 1-year fixed option is also available at 6.70% p.a. for borrowers who prefer more frequent repricing flexibility. Rates are subject to change, so it's best to confirm the latest figures with BPI or through Nook before applying.
BPI accepts applicants from a broad range of employment backgrounds, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 40,000 pesos, and your total debt obligations should not exceed 40% of your gross monthly income. A stable employment or business history and a property with a clean title are also key requirements.
Yes, refinancing is one of the eligible loan purposes under BPI's housing loan program, and it's often where borrowers find the biggest savings. If you're currently paying 8% or higher on an older loan, switching to BPI's 6.50% 5-year fixed rate could reduce your monthly payment by thousands of pesos. Nook can help you calculate your exact savings and manage your refinancing application for free.
BPI's typical approval timeline is around 52 days from submission of a complete application. This includes document verification, property appraisal, and credit evaluation. Applying through Nook can help streamline the process since our team helps you prepare and organise all required documents upfront, reducing the chance of delays caused by incomplete submissions.
No — Nook's service is completely free for borrowers. Nook earns a referral fee from the bank, not from you, so there is no broker charge at any point in the process. You get the same BPI promo rates you would applying directly, plus the added benefit of having Nook compare options across multiple banks to make sure you're getting the best deal available.
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