BPI's 2026 promo rates start at 6.50% fixed for 5 years — and through Nook, you can apply for free and get a decision in as fast as 52 days.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan lenders, and its 2026 housing loan promo is attracting serious attention from both new buyers and existing homeowners looking to refinance. Current promo rates are set at 6.70% for a 1-year fixed period and 6.50% fixed for 5 years — well below the 8% to 10% rates that many Filipino homeowners are still paying on older loans. If your home loan was taken out more than two years ago, there's a strong chance you're leaving thousands of pesos on the table every month. You can use the BPI housing loan calculator to estimate your current versus promo payment side by side.
Qualifying for BPI's 2026 promo is more accessible than many borrowers expect. You'll need a minimum monthly income of ₱40,000, a debt-to-income ratio below 40%, and stable employment — BPI accepts private employees, government workers, BPO staff, OFWs and seafarers, self-employed professionals, and business owners. The loan covers a wide range of purposes including refinancing, home equity, new construction, pre-selling and RFO units, renovation, and reselling. For a full breakdown of what documents you'll need to prepare, see the complete BPI housing loan requirements guide.
Applying through Nook means you get a dedicated mortgage broker handling your BPI application at zero cost to you — no broker fees, no hidden charges. Nook compares BPI's promo against rates from other partner banks so you always know you're getting the most competitive option available. Typical BPI approval through Nook takes around 52 days, and your broker will guide you through every document, every step, and every bank requirement until your loan is released. Note that interest rates are subject to change — verify the latest BPI promo rates directly 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 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. as part of its 2026 housing loan lineup. These rates apply to refinancing, purchase, construction, and home equity loans, though rates are subject to change and you should confirm the latest figures through Nook or BPI directly before applying.
To qualify, you'll need a minimum monthly income of ₱40,000, a debt-to-income ratio of 40% or below, and a stable income source. BPI accepts a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals.
Yes — refinancing is one of the primary purposes covered under BPI's 2026 housing loan promo. If you're currently on a rate above 7%, switching to BPI's 6.50% 5-year fixed promo could reduce your monthly payment significantly and save you hundreds of thousands over the life of your loan. Nook can calculate your exact savings for free before you commit.
The typical approval timeline for a BPI home loan processed through Nook is around 52 days from complete document submission to loan release. Your Nook mortgage broker will help you prepare a complete application upfront to avoid delays and back-and-forth with the bank.
No — Nook's service is completely free for borrowers. You pay the same standard bank fees you would applying directly to BPI, but with the added benefit of having a dedicated broker compare rates across multiple lenders, manage your documents, and advocate for your application at no charge to you.
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