Estimate your AUB home loan monthly amortization instantly — then see how much you could save by refinancing to a lower rate through Nook.
POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank (AUB) is a growing commercial bank in the Philippines that offers home loan products for property purchases and construction. Like most Philippine banks, AUB periodically reprices its interest rates — meaning your original rate may no longer apply after your fixed-rate period ends. Many AUB borrowers find themselves locked into rates of 8% to 9% or higher after repricing, often without realizing that better options exist in the market. Use the calculator above to estimate your current monthly amortization based on your outstanding balance, remaining term, and interest rate.
Once you know your current payment, the next step is comparison. Current mortgage interest rates in the Philippines have become increasingly competitive, with Nook able to source rates as low as 5.99% p.a. through its panel of partner banks. On a 3,000,000 loan with 20 years remaining, dropping from 8.50% to 5.99% translates to nearly 4,000 pesos in savings every single month — money that stays in your pocket rather than going to interest.
Refinancing your AUB home loan through Nook is completely free — Nook earns a referral fee from the bank, so there is no cost to you as the borrower. Nook's advisors handle the paperwork, bank negotiations, and submission process end to end. The key requirement is that your property title must be clean and your loan must have been active for at least one year. If you are currently paying above 7%, there is a strong chance refinancing makes financial sense — and running the numbers takes only a few minutes.
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 calculator uses standard reducing-balance amortization, which is the same method Philippine banks use to compute monthly payments. Results are accurate estimates — your actual AUB statement may differ slightly depending on fees, insurance premiums, or how AUB applies rounding in their system.
Check your most recent AUB loan statement or your loan disclosure statement for your current repriced rate. AUB typically offers fixed-rate periods of 1, 2, 3, or 5 years, after which your rate is adjusted based on prevailing market rates. If you are past your fixed period, you may be paying a significantly higher rate than when you first took out the loan.
Yes — refinancing from AUB to another bank is allowed in the Philippines and is a common way to secure a lower rate. The process involves paying off your existing AUB loan using funds from your new bank, and AUB will release your title once the loan is settled. Nook can manage this entire process for you at no cost.
AUB's published rates are broadly in line with mid-tier commercial banks, typically ranging from 7% to 9.50% depending on the fixing period and loan size. However, banks like BPI, BDO, Security Bank, and others on Nook's panel frequently offer more competitive rates, especially for borrowers with strong credit profiles and properties in Metro Manila or major urban areas.
The typical refinancing timeline in the Philippines is 45 to 90 days from application to loan release, depending on the receiving bank and how quickly documents are submitted. Nook's team guides you through every step — from document preparation to bank approval — so delays are minimized and you can start saving sooner.
Check your exact savings in 60 seconds. It's free and takes no commitment.
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