If you own a unit at Columns Legazpi Village, there's a good chance your bank is charging you far more than you need to pay. Nook helps you refinance to as low as 5.99% p.a. — for free.
COLUMNS LEGAZPI VILLAGE OWNER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Columns Legazpi Village is one of Makati's most sought-after residential addresses — a premium mid-rise development sitting at the heart of the Legazpi Village district, steps from Ayala Avenue's business corridor and the weekend market that defines the neighbourhood. Units here command strong valuations, and if you financed your purchase through a bank home loan, the odds are high that your original interest rate — typically between 7.50% and 9.00% — is no longer the best deal available to you. Banks reprice your loan every three to five years, and when they do, they rarely give you their most competitive offer unprompted.
Refinancing — or loan takeout — means moving your outstanding balance to a new lender at a lower rate. On a ₱5,000,000 loan with a 20-year remaining term, switching from 8.50% to 5.99% can reduce your monthly amortisation by over ₱7,500. Over the life of the loan, that's more than ₱1,300,000 in interest you simply don't have to pay. Nook works with all major Philippine banks — including BDO, BPI, Metrobank, Security Bank, RCBC, and UnionBank — to find you the lowest available rate for your specific property and profile. If you're also exploring options elsewhere in the metro, see how owners at Avida Towers Asten in Makati or Arya Residences in BGC are reducing their monthly payments through the same process.
The best part: Nook's service costs you nothing. We are compensated by the bank you choose to refinance with, so there is no broker fee, no consultation charge, and no obligation to proceed. You submit your details once, and we do the comparison shopping, paperwork coordination, and bank negotiation on your behalf. For Columns Legazpi Village owners with at least two years remaining on their current loan term and a good payment history, refinancing is almost always worth exploring.
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 — in fact, in-house financing from developers typically carries rates of 10% or higher, making refinancing to a bank loan one of the highest-impact financial moves you can make. As long as your unit's title has been transferred or is in the process of being transferred to your name, Nook can help you explore bank takeout options. We'll assess your eligibility and identify which banks are most likely to approve your application.
Most banks require a minimum outstanding balance of around ₱1,000,000 to ₱1,500,000 to process a refinance. Given typical unit prices at Columns Legazpi Village, most owners are well above that threshold. The greater your remaining balance and the longer your remaining term, the more you stand to save — so earlier is generally better.
Columns Legazpi Village is a well-established development in one of Makati's prime residential zones, and major Philippine banks are familiar with the property. This typically works in your favour during the bank's collateral appraisal process, as lenders are more confident lending against properties with strong market liquidity. Nook will help you identify which banks are currently most active in lending against condo units in the Legazpi Village area.
From application to loan release, the refinancing process typically takes between 30 and 60 days depending on the bank and how quickly documents can be gathered. You'll generally need your latest statement of account from your current bank, proof of income (payslips or ITR), a copy of your title or Condominium Certificate of Title, and your tax declaration. Nook will provide you with a complete checklist tailored to the bank you're applying with and guide you through each step.
Nook's service is completely free for borrowers. We are paid a referral fee by the bank you ultimately choose to refinance with — similar to how a mortgage broker operates in other countries — so there is no cost to you for the comparison, consultation, or application assistance. You are never under any obligation to proceed, and you can compare multiple bank offers before making a decision.
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