BPI is offering fixed rates starting at 6.50% p.a. in 2026 — and Nook can help you lock them in for free, while also comparing BPI against every other major bank to make sure you're getting the best deal possible.
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Why this matters
BPI's 2026 housing loan promos are worth taking seriously — especially if you're currently locked into a rate above 8% with any bank. BPI Family Savings Bank, a Nook partner, is currently offering a 5-Year Fixed Rate of 6.50% p.a. and a 1-Year Fixed Rate of 6.70% p.a., both of which represent meaningful savings over what most Filipino homeowners are paying today. Whether you're refinancing an existing loan or taking out a new one, these promo rates can translate to tens of thousands of pesos saved every year. To understand how BPI's rates stack up on your specific loan amount, try the BPI housing loan calculator to see your exact monthly payment before you apply.
What makes BPI's 2026 promo particularly accessible is the combination of competitive rates and realistic eligibility criteria. BPI Family Savings Bank accepts borrowers with a minimum monthly income of just P40,000, and welcomes a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. Loan purposes covered include refinancing, home equity, renovation, pre-selling, RFO, new construction, and reselling. Typical approval takes around 52 days, which is faster than many borrowers expect. If you want to understand exactly what documents you'll need to take advantage of these promos, the complete BPI housing loan requirements guide walks you through every checklist item.
Nook makes it completely free to apply through BPI — no broker fees, no hidden charges, and no obligation. More importantly, Nook doesn't just submit your application to BPI; it compares BPI's promo rates against all major Philippine banks so you know with confidence whether BPI is truly the best option for your situation. If another bank offers a lower rate or better terms for your profile, Nook will tell you. That kind of independent comparison is something you simply can't get by walking into a BPI branch alone. Interest rates are subject to change — verify current promo 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. as part of its 2026 housing loan lineup. These rates apply to qualified borrowers across multiple loan purposes including refinancing, RFO purchases, and home equity. Rates are subject to change, so it's best to confirm the latest promo rates through Nook or directly with BPI before applying.
BPI Family Savings Bank requires a minimum monthly income of P40,000 and a maximum debt-to-income ratio of 40%. Eligible employment types include private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. As long as you meet these criteria and have a qualifying property or existing loan to refinance, you can apply through Nook for free.
The 5-Year Fixed Rate of 6.50% p.a. gives you more payment certainty over a longer period, which most homeowners refinancing in 2026 prefer given recent interest rate volatility. The 1-Year Fixed at 6.70% p.a. is slightly higher but gives you the option to re-fix sooner if rates drop further. For a detailed breakdown of how BPI's rates compare over time, see the BPI home loan interest rates 2026 guide.
BPI Family Savings Bank's typical approval timeline is around 52 days from submission of complete documents. This is competitive compared to many other Philippine banks, which can take 60–90 days for full credit approval. Applying through Nook can help speed things up because Nook's team reviews your documents before submission to make sure everything is complete and accurate.
No — Nook's service is 100% free to borrowers. Nook is compensated directly by the bank when your loan is successfully processed, so you pay nothing extra on top of your normal loan costs. You get expert guidance, multi-bank comparison, and full application support at zero cost to you.
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