The BPI Housing Loan Starter Bundle offers competitive fixed rates starting at 6.50% p.a. — and applying through Nook is completely free, with no hidden charges.
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Why this matters
The BPI Housing Loan Starter Bundle is designed for first-time homebuyers and upgraders who want a straightforward, all-in-one home financing package. Through Nook, you can access BPI Family Savings Bank's published rates — including a 5-Year Fixed rate of 6.50% p.a. and a 1-Year Fixed rate of 6.70% p.a. — without paying a single centavo in broker fees. BPI's Starter Bundle typically covers Ready-For-Occupancy (RFO) properties, pre-selling units, and resale homes, making it one of the more flexible entry-level packages in the market. To understand exactly what documents you'll need to prepare, check out the complete BPI housing loan requirements guide.
To qualify, BPI requires a minimum monthly income of ₱40,000 and a Debt-to-Income (DTI) ratio of no more than 40%. The bundle is open to a wide range of employment types — private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals can all apply. Typical approval takes around 52 days, so it pays to get your documents in order early. If you want to see how your monthly payment would look at different loan amounts or terms, try the BPI housing loan calculator before you apply.
Many Filipino homeowners who took out loans two to five years ago are still paying rates between 7% and 10% — well above what BPI is offering today. If you already have a home loan and are looking to lower your monthly payments, refinancing to the Starter Bundle rate could save you tens of thousands of pesos annually. Nook's service is 100% free to borrowers: we handle the paperwork coordination, bank liaison, and rate comparison across our partner banks so you can focus on what matters. Please note that interest rates are subject to change — verify the latest figures 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
The BPI Housing Loan Starter Bundle is a packaged home loan product from BPI Family Savings Bank that bundles competitive fixed interest rates with streamlined processing for eligible properties. It typically covers RFO, pre-selling, resale, and refinancing purposes, making it accessible to a broad range of borrowers. The exact inclusions can vary by promo period, so it's worth confirming current bundle details with BPI or through Nook's free application service.
Through Nook, 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. The 5-year fixed option is popular with borrowers who want payment stability over the medium term. Rates are subject to change, so always verify the current figures before finalising your application.
Applicants must have a minimum monthly income of ₱40,000 and a total debt-to-income ratio of no more than 40%. BPI accepts a wide range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. For a full breakdown of eligibility criteria and required documents, see the BPI housing loan requirements 2026 guide.
BPI Family Savings Bank's typical approval timeline is around 52 days from the submission of a complete set of documents. Incomplete submissions are the most common cause of delays, so preparing all requirements upfront is strongly recommended. Nook helps coordinate your documents to give your application the best chance of moving through quickly.
No — Nook's service is completely free to borrowers. We earn a referral fee from the bank, not from you, so there are no additional charges for using Nook to apply for the BPI Housing Loan Starter Bundle. You get the same (or better) access to BPI's rates, plus Nook's support throughout the application process, at zero cost.
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