BPI is offering fixed rates starting at 6.50% p.a. for 2026 — and Filipino homeowners who refinance through Nook can access these promo rates completely free of charge.
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Why this matters
BPI Family Savings Bank, one of Nook's trusted partner banks, is offering some of its most competitive housing loan rates in years for 2026. Whether you're purchasing a new home or looking to refinance an existing loan, BPI's promo fixed rates — 6.70% for a 1-year fix and 6.50% for a 5-year fix — give Filipino borrowers a real opportunity to lock in predictable, affordable monthly payments. These rates apply across a wide range of property types including ready-for-occupancy units, pre-selling developments, resale properties, and even home renovation and construction loans. If you're currently paying a rate of 8% or higher, the numbers make a compelling case for switching. You can use the BPI housing loan calculator to see exactly how much you could save based on your current balance and remaining term.
Eligibility for BPI's 2026 housing loan promo is broader than many borrowers expect. BPI accepts applicants from a wide range of employment backgrounds — including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is ₱40,000, and BPI follows a maximum debt-to-income ratio of 40%, meaning your total monthly loan obligations (including the new housing loan) should not exceed 40% of your gross monthly income. Approval typically takes around 52 days from complete document submission. If you want to get your paperwork in order before applying, our complete BPI housing loan requirements guide walks you through exactly what to prepare.
Applying through Nook means you get access to BPI's promo rates without paying a single peso in broker fees — Nook's service is 100% free to borrowers. Our team helps you compare BPI's offer against other leading Philippine banks so you can be confident you're getting the best deal available. Whether you're a first-time applicant or a homeowner looking to refinance a maturing fixed-rate period, now is one of the best windows in recent years to act. Interest rates are subject to change, so we encourage you to verify current rates directly 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 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 eligible housing loan borrowers in 2026. These rates apply to refinancing, purchase, and other qualified loan purposes. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with BPI before applying.
BPI accepts applicants who are at least 21 years old, earn a minimum gross monthly income of ₱40,000, and whose total monthly debt obligations do not exceed 40% of their gross income. Eligible employment types include private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Both Filipino citizens and qualified foreign nationals may apply.
BPI's housing loan promo covers a wide range of property purposes including ready-for-occupancy (RFO) units, pre-selling properties, resale homes, new construction, renovation financing, home equity loans, and foreclosed property purchases. This makes it one of the more flexible housing loan products available in the Philippine market today.
BPI Family Savings Bank typically processes and approves complete housing loan applications within approximately 52 days. Submitting a complete set of documents from the start — including income documents, property papers, and valid IDs — is the most reliable way to avoid delays. Nook can help you prepare and review your application before submission to minimise back-and-forth.
No — Nook's mortgage brokering service is completely free for borrowers. Nook is compensated directly by the bank upon successful loan disbursement, so you pay nothing extra for the guidance, comparison, and application support. You get access to BPI's promo rates and expert advice without any additional cost to you.
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