Asia United Bank vs Robinsons Bank: Home Loan Overview
Both Asia United Bank (AUB) and Robinsons Bank cater to Filipino homebuyers and homeowners looking to refinance, but they differ in their product structures, branch reach, and the customer segments they serve best. AUB positions itself as a technology-forward mid-sized bank, while Robinsons Bank benefits from the backing of the JG Summit Group and its retail network. Below, we compare them across the metrics that matter most to borrowers.
Important note: Neither Asia United Bank nor Robinsons Bank are currently Nook partner banks. The rates shown below are approximate figures based on publicly available information and general market knowledge. Actual rates are subject to change — always verify directly with the bank or through a licensed broker like Nook.
Interest Rate Comparison
| Fixing Period | Asia United Bank (Approx.) | Robinsons Bank (Approx.) | Best Rate via Nook |
|---|---|---|---|
| 1-Year Fixed | 7.00% – 8.50% p.a. | 7.00% – 8.75% p.a. | From 5.99% p.a. |
| 3-Year Fixed | 7.50% – 9.00% p.a. | 7.50% – 9.25% p.a. | From 5.99% p.a. |
| 5-Year Fixed | 8.00% – 9.50% p.a. | 8.00% – 9.75% p.a. | From 5.99% p.a. |
| 10-Year Fixed | 8.50% – 10.00% p.a. | 8.50% – 10.00% p.a. | From 5.99% p.a. |
These rates are indicative and based on publicly available market data. Both banks reprice loans at the end of each fixing period, meaning your rate could increase significantly after your initial term. This is one of the most common reasons Filipino homeowners choose to refinance — locking in a lower rate before repricing hits.
Monthly Payment Comparison
To illustrate the real-world impact of these rate differences, here's a side-by-side monthly payment estimate for a 3,000,000 peso home loan over 20 years:
| Scenario | Rate | Est. Monthly Payment | Total Interest Paid |
|---|---|---|---|
| Asia United Bank (mid-range) | 8.25% p.a. | Approx. 25,600 | Approx. 3,144,000 |
| Robinsons Bank (mid-range) | 8.50% p.a. | Approx. 26,000 | Approx. 3,240,000 |
| Refinance via Nook | 5.99% p.a. | Approx. 21,475 | Approx. 2,154,000 |
Refinancing a 3,000,000 peso loan from 8.25% to 5.99% could save you approximately 4,125 pesos per month and nearly 990,000 pesos in total interest over 20 years. These figures are illustrative — your actual savings depend on your outstanding balance, remaining term, and the rate you qualify for.
Loan Features & Eligibility
| Feature | Asia United Bank | Robinsons Bank |
|---|---|---|
| Minimum Loan Amount | Approx. 500,000 | Approx. 500,000 |
| Maximum Loan Amount | Up to 80% of appraised value | Up to 80% of appraised value |
| Typical Loan Term | Up to 20 years | Up to 20 years |
| Processing Fee | Varies (typically 5,000–10,000) | Varies (typically 5,000–10,000) |
| Early Settlement Fee | May apply within fixing period | May apply within fixing period |
| Property Types Accepted | House & lot, condo, townhouse | House & lot, condo, townhouse |
| OFW Borrowers Accepted | Yes (with conditions) | Yes (with conditions) |
Both banks have broadly similar eligibility criteria. Salaried employees, self-employed individuals, and OFWs may apply, though documentation requirements differ. Robinsons Bank borrowers may benefit from integration with Robinsons Retail touchpoints for payments, while AUB has invested in digital banking infrastructure.
Refinancing: When to Switch Away from Either Bank
If you currently have a home loan with Asia United Bank or Robinsons Bank, the best time to consider refinancing is before your fixing period ends. At repricing, your bank will offer you a new rate — which may be significantly higher than what you're currently paying. Many borrowers who locked in at 7–8% years ago are now being repriced to 9–10%.
Refinancing to a lower rate through Nook could make sense if:
- Your current rate is above 7.00% p.a.
- You have at least 1,000,000 pesos remaining on your loan
- You have more than 5 years left on your loan term
- Your property value has held up or appreciated
If you're also comparing Robinsons Bank against other lenders, you may find our other comparisons helpful — for example, see how RCBC stacks up against Robinsons Bank, or how Maybank Philippines compares to Robinsons Bank on home loan rates.
Why Use Nook Instead of Going Directly to Either Bank?
When you apply directly to Asia United Bank or Robinsons Bank, you're limited to that bank's products, rates, and approval criteria. Nook is different: as the Philippines' first digital mortgage broker, Nook shops your loan across multiple partner banks simultaneously — meaning you get competing offers without the legwork.
- Free service: Nook charges borrowers nothing. The broker fee is paid by the bank.
- Faster process: One application, multiple bank offers.
- Lower rates: Nook partner banks offer rates from 5.99% p.a. — verified and current.
- Expert guidance: A dedicated mortgage specialist guides you from application to release.
Whether you're buying a new home or refinancing an existing loan with AUB or Robinsons Bank, Nook gives you more options and a better chance of landing the lowest possible rate.
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Compare My Options →Frequently Asked Questions
What are Asia United Bank's current home loan rates?
Asia United Bank's home loan rates are not publicly listed in real time, but based on general market data they typically range from around 7.00% to 10.00% p.a. depending on the fixing period chosen and the borrower's profile. These rates are approximate and subject to change — contact AUB directly or apply through Nook to get a verified, current rate.
What are Robinsons Bank's current home loan rates?
Robinsons Bank home loan rates generally range from approximately 7.00% to 10.00% p.a. for standard fixed-rate periods. Rates vary based on the loan amount, term, fixing period, and the borrower's financial profile. As with all Philippine banks, these figures are indicative and subject to change without notice.
Which is better for a home loan — Asia United Bank or Robinsons Bank?
Both banks offer broadly similar home loan products. AUB may appeal to borrowers who value a digital-first banking experience, while Robinsons Bank may suit those who prefer the convenience of Robinsons retail touchpoints. However, neither bank may offer the lowest rate available. Refinancing through Nook gives you access to rates from 5.99% p.a. — potentially beating both banks by a significant margin.
Can I refinance my Asia United Bank home loan through Nook?
Yes. If you currently have a home loan with Asia United Bank and are paying a rate above 7.00% p.a., you may be able to refinance to a lower rate through Nook's partner banks. Nook's service is completely free to borrowers — you simply apply once and Nook finds the best available refinance offer for you.
Can I refinance my Robinsons Bank home loan through Nook?
Yes. Many homeowners refinance away from Robinsons Bank when their fixing period ends and their rate is repriced higher. If your current Robinsons Bank rate is above 7.00% p.a., refinancing through Nook could reduce your monthly payment significantly. Nook handles the entire process for free.
How much can I save by refinancing from AUB or Robinsons Bank to a Nook partner bank?
On a 3,000,000 peso loan over 20 years, switching from a rate of 8.25% to 5.99% p.a. could save approximately 4,125 pesos per month and close to 990,000 pesos in total interest. Your actual savings depend on your outstanding balance, remaining term, and the rate you qualify for. Use Nook's free calculator to get a personalized estimate.
Are there fees involved in refinancing away from AUB or Robinsons Bank?
Refinancing does involve some costs — typically a processing fee, appraisal fee, notarial fees, and possibly an early settlement penalty if you are still within your current fixing period. However, for most borrowers the interest savings far outweigh these one-time costs. Nook will help you calculate your break-even point before you commit to anything.
How long does the refinancing process take?
The refinancing process in the Philippines typically takes 4 to 8 weeks from application to loan release, depending on the bank and the completeness of your documents. Nook streamlines this by coordinating directly with partner banks on your behalf, helping to avoid delays.