Banco de Oro (BDO) Home Loans: Interest Rates

James Ryan Jonas

We continue our research regarding interest rates charged by local banks on housing loans in the Philippines.

For a full list of updated housing loan interest rates by Philippine banks and also PAGIBIG, click here.

We recently inquired with BDO (Banco de Oro) about their home loan offerings. Here is the information we got about their housing loan interest rates.

Banco de Oro (BDO) Housing Loan interest rates (2012)


It seems that BDO has lower interest rates compared to BPI, especially for shorter-term loans. While BPI charges 8.75% for home loans with duration of two to three years, BDO charges only 7.75% for loans with a 1-3 year term.

BPI does offer a yearly repricing rate of 7.50% which is slightly lower than BDO’s 1-year rate, but take note that the annual repricing option means the rate is not fixed but adjusted every year and may run the risk of being higher than the previous year.

Of course, BPI’s special promo rate of 7.50% fixed for 5 years is still a lot lower, but interested borrowers need to rush since this promo lasts only until the end of September.

We will continue to get the housing loan rates from other banks so we’ll have more information when we compare each bank’s loan offerings.

You can find here the latest and most updated list of home loan interest rates offered by PAGIBIG, BDO, BPI, Metrobank, Security Bank, HSBC, Citibank, PS Bank, Landbank, DBP, and other banks in the Philippines.

James Ryan Jonas teaches business management, investments, and entrepreneurship at the University of the Philippines (UP). He is also the Executive Director of UP Provident Fund Inc., managing and investing P3.2 Billion ($56.4 Million) worth of retirement funds on behalf of thousands of UP employees.