If you have an existing AUB home loan, you could be paying a rate that's no longer competitive. Nook helps you compare AUB against the best refinance rates in the Philippines — for free.
AUB BORROWER SAVINGS ESTIMATE
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Why this matters
Asia United Bank (AUB) offers home loans that are popular among mid-market Filipino homebuyers, but like most Philippine banks, their rates are typically repriced every 1, 3, or 5 years. If your loan has already repriced — or if you originally locked in during a period of higher rates — there's a real chance you're now paying significantly more than you need to be. The example above uses a 3,000,000 loan at 8.50% p.a. on a 20-year term, which is a common scenario for AUB borrowers who took out their loan a few years ago. At that rate, you're paying around 26,035 a month. Refinancing to 5.99% p.a. through Nook could cut that down to about 22,101 — a difference of nearly 4,000 pesos every single month.
Refinancing doesn't mean leaving AUB behind entirely — it means making sure your home loan is working as hard as possible for you. Nook compares AUB's current offerings alongside rates from BDO, BPI, Metrobank, Security Bank, RCBC, and other leading Philippine lenders to find the most competitive option for your specific loan size and remaining term. You can check current home loan interest rates across Philippine banks to see where AUB stacks up today. Our service is completely free to borrowers — Nook is paid by the bank, not by you.
Before you refinance, it's worth understanding what's involved. There are processing fees and documentation requirements, but for most borrowers with a loan balance above 1,500,000, the long-term savings far outweigh the upfront costs. You can read more about refinancing closing costs in the Philippines to get a realistic picture of what to expect. Nook's advisors walk you through everything — from calculating your break-even point to preparing your documents — so you can make a confident, informed decision.
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
Your monthly amortization depends on three things: your loan amount, your interest rate, and your remaining loan term. For example, a 3,000,000 AUB home loan at 8.50% p.a. over 20 years works out to approximately 26,035 per month. Nook's free calculator lets you input your exact balance, rate, and term to get a precise figure.
AUB typically offers fixed rates for 1, 3, or 5-year periods, after which your loan reprices based on prevailing market rates. Rates vary depending on your loan amount, fixing period, and creditworthiness. To see how AUB's current rates compare with other Philippine banks, check out the latest rate comparison at Nook.
Yes — you can refinance an AUB home loan with any participating bank in the Philippines, including BDO, BPI, Metrobank, Security Bank, and others. Refinancing is most worthwhile when your new rate is at least 1 to 1.5 percentage points lower than your current rate. Nook compares all available options and helps you apply at no cost to you.
Standard refinancing requirements include a government-issued ID, your latest AUB loan statement, proof of income (payslips or ITR), your property's Transfer Certificate of Title (TCT), and a tax declaration. You can find a full checklist in our guide to home loan refinance requirements in the Philippines. Nook's team will also help you prepare and organize your documents.
If your current AUB rate is 7.5% or higher and you have more than 5 years remaining on your loan, refinancing is almost certainly worth exploring. The savings can run into the hundreds of thousands of pesos over your remaining term. Use Nook's free assessment to find out your exact break-even point and projected lifetime savings before committing to anything.
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