Homeowners at Columns Legazpi Village are overpaying on their condo loans — refinancing to 5.99% could save you over 58,000 pesos every year. Nook makes it free and simple.
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Why this matters
Columns Legazpi Village is one of Makati's most sought-after residential addresses, sitting at the heart of the Legazpi Village commercial and lifestyle district. Units here command strong valuations, which works in your favour when refinancing — lenders see well-located, high-demand properties like Columns as lower-risk collateral, and that can translate directly into better rates for you. If your current home loan is sitting at 8% or higher, there's a real and meaningful gap between what you're paying now and what today's best refinance rates can offer.
Many Columns unit owners took out their loans during a period of higher fixed rates, or have simply rolled over onto their bank's standard variable rate without ever shopping around. Nook works with all major Philippine banks — BDO, BPI, Metrobank, Security Bank, RCBC, and more — to find you the most competitive refinance offer available. The process is fully digital, and Nook's service is 100% free to borrowers. You'll also find that Makati condo owners in comparable developments have seen strong results — Arya Residences BGC owners have been refinancing with similar savings outcomes, and the same opportunity exists here in Legazpi Village.
Whether you're looking to reduce your monthly cash outflow, shorten your remaining loan term, or simply get a fairer rate on a property you've invested significantly in, refinancing your Columns condo is worth exploring. The numbers above are based on a 5,000,000 peso loan balance with a 20-year remaining term — if your outstanding balance is different, Nook can calculate a personalised estimate for your specific situation in 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
Yes — as long as your unit has a clean title and your loan is in good standing, most major Philippine banks will consider refinancing a Columns Legazpi Village unit. Nook submits your application to multiple lenders simultaneously, so you get competing offers without the legwork. Makati condos in prime locations like Legazpi Village are generally viewed favourably by bank credit teams.
Most banks require your outstanding loan balance to be no more than 70–80% of the property's current appraised value, known as the loan-to-value (LTV) ratio. Given that Columns Legazpi Village units have generally appreciated well, many owners find they now have sufficient equity to refinance on favourable terms. Nook will help you understand where you stand before you apply.
The typical refinance process takes between 30 and 60 days from application to loan release, depending on how quickly documents are gathered and the bank's internal processing times. Nook streamlines this by guiding you through each step and following up with lenders on your behalf. Starting the process early means you can lock in today's lower rates before they change.
You'll generally need a copy of your title (CCT), your latest Statement of Account from your current lender, proof of income (payslips or ITR for the past two years), and a government-issued ID. If you're self-employed or a business owner, you'll also need audited financial statements. Nook provides a complete checklist and helps you organise everything so nothing gets missed.
If your remaining term is under five years, the interest savings may be modest compared to the closing costs involved — it's worth doing the maths carefully. However, if you still have ten or more years remaining on your Columns condo loan, refinancing to a significantly lower rate can generate substantial savings, as shown in the estimates above. Nook can run a break-even analysis for your specific loan so you can make a fully informed decision.
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