Century City homeowners are often paying 8–9% interest on their home loans — when today's best refinance rate is just 5.99% p.a. through Nook. That gap is costing you tens of thousands every year.
CENTURY CITY OWNER SAVINGS ESTIMATE
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Why this matters
Century City is one of Makati's most prestigious mixed-use developments — home to Gramercy Residences, Knightsbridge Residences, and Milano Residences. Properties here command premium prices, and the home loans that financed them often carry premium-era interest rates from 2015 to 2020 that no longer reflect today's market. If your loan was locked in at 8% or higher, there's a strong chance you're significantly overpaying each month. Refinancing through Nook lets you access the best home loan rates available in Makati across multiple banks — without the legwork of approaching each lender yourself.
Century City condos are among the most refinanceable assets in Metro Manila. Their strong valuations, established developer reputation, and prime CBD location make them attractive to Philippine banks competing for quality mortgage business. That competitive dynamic works in your favour — lenders are willing to offer sharper rates for well-located, high-value properties like yours. Nook submits your application simultaneously to BDO, BPI, Metrobank, Security Bank, RCBC, and others, then presents you with the best offer. If you also own or are considering a unit in BGC, our guide to Two Serendra refinancing covers a similar premium-condo scenario worth reading.
The refinancing process for a Century City unit typically takes 4 to 8 weeks from application to loan release, and Nook handles the coordination with your chosen bank at no cost to you. Our fee is paid by the bank — you keep every peso of the savings. Whether you're in Gramercy Tower, the Knightsbridge Podium, or any other building within the development, our team has experience navigating the specific documentation requirements for Century Properties Group titles.
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
Most major Philippine banks accept Century City condos as refinance collateral, including BDO, BPI, Metrobank, Security Bank, RCBC, and EastWest Bank. The property's premium location and strong market valuation make it an attractive asset to lenders. Nook compares offers across all eligible banks so you receive the most competitive rate available.
For a typical Century City loan balance of ₱5–8 million at an older rate of 8–9%, refinancing to 5.99% p.a. can reduce your monthly payment by ₱7,000 to ₱12,000. Over a 15-year remaining term, that translates to savings of ₱1.2 million to over ₱2 million. Use Nook's calculator for a precise estimate based on your actual balance and remaining term.
Yes — most banks will refinance studio and one-bedroom units in Century City, provided the outstanding loan balance meets the bank's minimum threshold (usually ₱1,500,000 to ₱2,000,000). Smaller unit sizes are generally well-accepted given the development's strong rental and resale market. Nook will confirm eligibility based on your specific unit details at no charge.
You'll typically need your latest Statement of Account from your current bank, a copy of your Contract to Sell or Transfer Certificate of Title, proof of income (payslips or ITR), and a valid government ID. Century Properties Group can provide a certified true copy of your title if needed. Nook provides a complete document checklist tailored to your situation once you sign up.
Refinancing a tenanted Century City unit is generally straightforward — your rental income can actually strengthen your application by demonstrating debt-servicing capacity. You'll need to disclose the lease arrangement, and some banks may request a copy of the lease agreement. Your tenant's occupancy is not affected by the refinancing process, which happens entirely between you and the new bank.
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