BPI is one of the Philippines' most trusted home lenders — but are you getting the best rate available? See how much you could save by comparing BPI against other top banks through Nook, completely free.
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Why this matters
BPI Family Savings Bank is one of the most popular home loan providers in the Philippines, offering competitive fixed rates and flexible loan purposes — from ready-for-occupancy units and pre-selling condos to refinancing and home equity. Their current rates start at 6.50% p.a. for a 5-year fixed term and 6.70% p.a. for a 1-year fix, with a minimum monthly income requirement of ₱40,000 and approval typically completed within 52 days. Whether you are employed in the private sector, a government worker, a BPO professional, an OFW, or self-employed, BPI has a loan product designed for your situation. For a full breakdown of what to prepare, see our BPI housing loan requirements checklist.
If you already have a BPI housing loan — or any home loan from another bank — refinancing could be one of the smartest financial moves you make this year. Many Filipino homeowners are still paying rates of 8% to 10% per annum, locked in from years ago when rates were higher. By refinancing to a current rate of as low as 5.99% p.a. through Nook, a borrower with a ₱3,000,000 outstanding balance on a 20-year term could save over ₱3,000 every single month. That is real money back in your pocket — without changing your home or your bank. You can explore your options in detail on our BPI housing loan rates and calculator page.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free for borrowers. We work with BPI Family Savings Bank and a network of other leading Philippine banks so you can compare offers side by side in minutes — not weeks. There are no broker fees, no hidden charges, and no obligation to proceed. Whether you are applying for a new BPI housing loan or looking to refinance your existing one, Nook helps you move faster, with more information, and with confidence. Note that interest rates are subject to change; always verify the latest rates directly with your 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
To qualify for a BPI Family Savings Bank housing loan, you generally need to be a Filipino citizen between 21 and 65 years old at the time of loan maturity, with a minimum monthly income of ₱40,000. Accepted employment types include private and government employees, BPO workers, OFWs and seafarers, self-employed individuals, and licensed professionals. You will also need to submit income documents, a valid government ID, and property-related documents depending on your loan purpose.
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., which is among the more competitive options available from a major Philippine bank. Home equity loans are also available at 6.70% p.a. Keep in mind that rates are subject to change, so it is always best to confirm the latest figures with BPI directly or through a free comparison via Nook.
BPI Family Savings Bank typically processes and approves housing loan applications within approximately 52 days from submission of complete documents. This timeline can vary depending on the completeness of your documentary requirements and the complexity of the property transaction. Applying through Nook can help you prepare a complete application upfront, which reduces the risk of back-and-forth delays.
Yes, refinancing is one of the eligible loan purposes under BPI Family Savings Bank's housing loan program. If you are currently paying a higher rate with BPI or another bank, refinancing to BPI's current rates could lower your monthly payment significantly. Nook can help you compare BPI's refinancing offer against other partner banks to make sure you are getting the most competitive deal available.
Nook's mortgage brokering service is completely free for borrowers — you pay nothing to compare, apply, or get matched with BPI or any other partner bank through the platform. Nook earns a referral fee from the bank upon successful loan disbursement, which means there is no cost to you at any stage of the process. You get expert guidance and access to multiple bank offers without paying a single peso in broker fees.
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