BDO vs BPI

Metrobank vs BDO vs BPI: Home Loan Rates Compared (2026)

Choosing the right bank for your home loan — or refinance — can mean a difference of hundreds of thousands of pesos over the life of your loan. Below is a side-by-side comparison of Metrobank, BDO Unibank, and BPI Family Savings Bank based on the most current available data.

* Metrobank rates and requirements shown are approximate estimates based on publicly available information as of 2026 and are subject to change. Please verify directly with Metrobank for current promotional rates and exact terms. BDO and BPI rates are verified Nook partner bank rates.

Monthly Payment Comparison: Who Pays Less?

To illustrate the real-world impact of these rate differences, here's a sample monthly amortization comparison on a P3,000,000 home loan over 20 years:

Choosing BDO over a bank charging 8.00% on a P3,000,000 loan could save you approximately P864,480 in total interest over 20 years — that's money that stays in your pocket. Even switching from Metrobank's estimated rate to BPI's 6.70% could save over P576,000 across the loan term.

Already have a home loan with Metrobank? If your current rate is above 7%, you may benefit significantly from refinancing. You can also read our detailed BPI vs BDO head-to-head comparison to see which Nook partner bank is the better fit for your specific situation.

BDO Unibank Home Loan: Key Highlights

BDO Unibank is one of the Philippines' largest banks and a verified Nook partner — meaning you can apply through Nook's free digital platform and get access to BDO's competitive rates with zero broker fees.

• 1-Year Fixed Rate: 6.00% p.a. — lowest among the three banks compared here
• Home Equity Rate: 6.00% p.a.
• Minimum Monthly Income: P50,000
• Maximum DTI: 40%
• Typical Approval: ~30 days
• Eligible Employment Types: Private, Government, BPO, OFW/Seafarer, Self-Employed, Professional
• Loan Purposes: Refinancing, Home Equity, New Construction, Foreclosed, Pre-Selling, RFO, Renovation, Reselling

BDO's 30-day typical approval turnaround is among the fastest of the three banks, making it a strong choice if you want to lock in a low rate quickly. For borrowers currently overpaying on their mortgage, refinancing to BDO at 6.00% through Nook is one of the most impactful financial moves available today.

BPI Family Savings Bank Home Loan: Key Highlights

BPI Family Savings Bank is another verified Nook partner offering competitive fixed-rate home loans with a lower income threshold than BDO — making it accessible to more Filipino borrowers.

• 1-Year Fixed Rate: 6.70% p.a.
• 5-Year Fixed Rate: 6.50% p.a. — ideal for borrowers who want longer rate certainty
• Home Equity Rate: 6.70% p.a.
• Minimum Monthly Income: P40,000 — lower threshold than BDO
• Maximum DTI: 40%
• Typical Approval: ~52 days
• Eligible Employment Types: Private, Government, BPO, OFW/Seafarer, Self-Employed, Professional
• Loan Purposes: Refinancing, Home Equity, New Construction, Foreclosed, Pre-Selling, RFO, Renovation, Reselling

BPI's 5-year fixed rate of 6.50% is especially attractive for borrowers who prioritize payment stability over the medium term. If your monthly income is between P40,000 and P50,000, BPI may be your most accessible Nook partner bank option. See our BDO vs BPI rate comparison for a deeper dive into how these two partner banks stack up.

Metrobank Home Loan: What You Need to Know

Metrobank is one of the Philippines' top three banks by assets and offers home loan products for purchase, construction, and refinancing. However, Metrobank is not currently a Nook partner bank, which means you cannot apply through Nook's free digital platform for a Metrobank loan.

Based on publicly available information, Metrobank's home loan rates are estimated to range from approximately 7.00% to 9.00% p.a. for standard fixed-rate periods. These figures are approximate and subject to change — borrowers should contact Metrobank directly or visit a branch for current promotional rates and exact terms.

Key considerations for Metrobank applicants:

• Rates are estimated and must be verified directly with the bank
• No free broker service available through Nook
• You will need to navigate the application process independently
• If you currently have a Metrobank home loan at a rate above 7%, refinancing to a Nook partner bank like BDO or BPI could generate significant savings

If you're an existing Metrobank borrower approaching the end of your fixed-rate period, this is the ideal time to explore refinancing. Nook can help you compare BDO and BPI offers side by side — for free.

Why Apply Through Nook Instead of Going Directly to a Bank?

Nook is the Philippines' first digital mortgage broker — and the service is 100% free for borrowers. Here's why thousands of Filipino homeowners choose Nook:

• Access verified rates instantly — no need to visit multiple bank branches or call multiple hotlines
• Compare BDO and BPI side by side with real, up-to-date data
• Free expert guidance — our mortgage specialists help you understand your options without any sales pressure
• Streamlined digital process — submit documents once, apply to multiple banks
• No hidden fees — Nook is compensated by the bank, never the borrower

Whether you're buying your first home, refinancing an existing loan, or taking out a home equity loan, Nook makes the process faster and more transparent. The best refinance rate currently available through Nook is 5.99% p.a. — significantly lower than what most Filipino homeowners are currently paying.

Note: All interest rates are subject to change. Rates shown for BDO and BPI are verified Nook partner bank rates as of 2026. Metrobank rates are approximate estimates based on publicly available information. Always verify current rates directly with the respective bank before making a financial decision.