BPI's 2026 housing loan promo offers fixed rates starting at 6.50% p.a. — and through Nook, you can compare, apply, and potentially refinance to rates as low as 5.99% p.a. at zero cost to you.
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Why this matters
BPI's housing loan promos for 2026 are among the most competitive in the Philippine market, with fixed rates as low as 6.50% p.a. on a 5-year fixed term and 6.70% p.a. on a 1-year fixed term. These promotional rates are designed for borrowers buying ready-for-occupancy homes, refinancing existing loans, funding renovations, or tapping home equity — making BPI a genuinely versatile option. If you're currently locked into a loan at 8% or higher, switching to a BPI promo rate could shave thousands off your monthly payment. You can explore BPI's full interest rate lineup and how refinancing works before you decide to apply.
To qualify for BPI's 2026 housing loan promo, you'll need a minimum monthly income of ₱40,000 and a debt-to-income ratio no higher than 40%. BPI accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals — so qualification is more accessible than many borrowers expect. Typical approval takes around 52 days, and the loan can cover purchases, refinancing, new construction, pre-selling units, foreclosed properties, resale homes, and renovation projects. For a full breakdown of what documents you'll need, check the complete BPI housing loan requirements guide.
Nook is a Nook-accredited digital mortgage broker, which means you can submit a single application through Nook and have your profile matched against BPI and other partner banks — all without paying a single centavo in broker fees. Our team handles the paperwork coordination, rate negotiation, and bank follow-ups on your behalf. Whether you're chasing BPI's promo rate or curious whether another bank can beat it, Nook gives you the clearest picture of what's actually available to you right now. Note that interest rates are subject to change at any time — always verify the latest figures directly with your chosen bank 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 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 qualified borrowers in 2026. These rates apply to a range of loan purposes including refinancing, purchase, renovation, and home equity. Rates are subject to change, so it's worth locking in as early as possible if you qualify.
BPI accepts applications from private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and professionals. You'll need a minimum monthly income of ₱40,000 and a total debt-to-income ratio of 40% or below. A clean credit history and complete documentary requirements also significantly improve your approval chances.
BPI's typical approval timeline is around 52 days from submission of complete documents. Delays usually happen when requirements are incomplete or when property valuation takes longer than expected. Applying through Nook can help streamline the process since our team pre-checks your documents before submission.
Yes — refinancing is one of the eligible loan purposes under BPI's 2026 housing loan promo. If you're currently paying 8% or more with another bank, switching to BPI's 6.50% 5-year fixed rate could result in significant monthly savings. Use Nook's free service to calculate your exact savings before you commit.
Through Nook, the lowest refinance rate currently available across our partner bank network is 5.99% p.a. — which is lower than BPI's published promo rates. Nook compares multiple banks simultaneously so you can see which lender offers the best combination of rate, terms, and approval speed for your specific profile. The service is completely free for borrowers.
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