Thousands of Avida Towers Makati homeowners are still paying 8.5% or more on their home loan — when they could be paying as low as 5.99% p.a. through Nook. Switching is free and takes minutes.
AVIDA TOWERS MAKATI OWNER SAVINGS
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Why this matters
Avida Towers Makati is one of the most sought-after Ayala Land developments in the metro — and chances are, your original home loan was arranged through your developer, your employer's preferred bank, or whichever lender was easiest at the time. That made sense when you were buying. But now that you're paying down the loan, the rate you locked in three or five years ago could be costing you tens of thousands of pesos every single year. If you're currently on a rate above 7.5%, refinancing to 5.99% p.a. through Nook is likely one of the most valuable financial moves you can make right now.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We compare rates from BDO, BPI, Metrobank, Security Bank, RCBC, and other leading Philippine banks on your behalf, then match you with the best offer for your Avida Towers unit. Whether your property is in the Makati CBD, near Ayala Avenue, or in one of the tower clusters along the EDSA corridor, our team knows how to position your refinancing application for fast approval. You can also explore the best home loan rates available in Makati to see how the top banks compare right now.
If you own other Ayala Land properties or have friends in nearby developments, refinancing options extend across the group's portfolio. BGC-based Ayala Land owners, for example, have found strong savings through similar switches — much like owners at Alveo High Park in BGC who refinanced and cut their monthly payments significantly. Whatever your situation, Nook's advisors will walk you through the process step by step — no bank visits, no confusing paperwork, and no fees to you.
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
Yes, Pag-IBIG loans can be refinanced to a commercial bank through Nook if you meet the bank's eligibility requirements. Many borrowers who started with Pag-IBIG financing find that switching to a bank loan at 5.99% p.a. delivers significant monthly savings, especially as their remaining balance and term make them more attractive to lenders.
Most Philippine banks require a loan-to-value (LTV) ratio of 80% or below, meaning you need at least 20% equity in your property. Given Avida Towers Makati's strong market value appreciation over recent years, many owners find they have more usable equity than they expect — which can also allow you to refinance at a higher amount if needed.
Yes, all banks require a formal appraisal of the property as part of the refinancing process. Nook coordinates this on your behalf, and the appraisal cost is typically absorbed into the refinancing process — your Nook advisor will clarify exactly what fees, if any, apply before you proceed.
The typical refinancing timeline through Nook is four to eight weeks from application to loan release, depending on the bank and completeness of your documents. Avida towers are well-regarded by Philippine banks, so valuations and approvals for these units tend to move smoothly compared to less established developments.
Yes, Nook's service is 100% free to borrowers — we are compensated by the bank when your loan is successfully placed, similar to how an insurance broker works. You get independent advice, rate comparisons across multiple banks, and full application support without paying a single peso in advisory fees.
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