Your Century City condo sits in one of Makati's most coveted addresses — your home loan rate should reflect that. Switch to as low as 5.99% p.a. and save over 4,850 pesos every single month.
CENTURY CITY OWNER SAVINGS
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Why this matters
Century City Mall Makati is one of the most strategically located mixed-use developments in the country — sitting at the heart of Makati CBD, with premium residential towers like Azure North, Gramercy Residences, and Knightsbridge anchoring some of the highest property values in Metro Manila. If you purchased your unit with a bank home loan a few years ago, there's a strong chance your interest rate hasn't kept pace with what's available in today's market. Many Century City condo owners are still locked into rates between 7.5% and 10%, simply because their bank hasn't proactively offered them a better deal. Refinancing is how you take that power back.
Nook makes refinancing your Century City condo straightforward and completely free to you as the borrower. We work with all major Philippine banks — including BDO, BPI, Security Bank, Metrobank, RCBC, and more — to find the most competitive rate for your specific loan profile. Whether you're an investor relying on rental yield or an owner-occupier managing monthly cash flow, bringing your rate down from 8.5% to 5.99% p.a. on a 6,500,000 loan can mean savings of over 118,000 pesos annually. If you're comparing options across the CBD corridor, it's also worth reviewing the best home loan rates in Makati to understand what today's top banks are offering.
Refinancing a high-value CBD condo does come with nuances — LTV requirements, appraisal timelines, and documentation for condominium titles — but Nook's team handles all of that on your behalf. We've helped condo owners across Makati and BGC unlock significant savings, from developments like Century City to Alveo High Park in BGC. The process typically takes 4–6 weeks, and your first step is simply getting a free savings estimate through our platform.
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 — virtually all major Philippine banks accept Condominium Certificates of Title (CCT) as collateral for home loan refinancing. Century City units are well-recognised by lenders given the development's prestige, which can actually work in your favour during the appraisal process. Nook will guide you through the specific document requirements for CCT-based refinancing.
Most banks will lend up to 70–80% of the appraised value of your Century City unit when refinancing. Given strong property values in the Makati CBD, many owners find their unit has appreciated since purchase, which can improve their LTV position and unlock better rates. Nook will help you understand where your unit stands before you apply.
On a 6,500,000 loan with 20 years remaining, moving from 8.5% to 5.99% p.a. saves approximately 9,845 pesos per month — that's over 118,000 pesos per year and more than 1,700,000 pesos over the life of the loan. Even owners with smaller loan balances can expect meaningful monthly relief. Use Nook's free calculator to get a figure tailored to your exact loan details.
Absolutely — for investors, a lower mortgage rate directly improves your net rental yield and monthly cash flow. Century City commands strong rental demand given its proximity to Makati's business district, so reducing your holding costs through refinancing can significantly enhance your return on investment. Nook can help you model the numbers so you can make an informed decision.
The refinancing process typically takes between 4 to 6 weeks from application to loan release, depending on the bank and how quickly documents are submitted. Nook manages the entire process on your behalf — from bank comparison and application submission to title transfer coordination — so you don't have to deal with banks directly. Our service is 100% free to borrowers.
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