Thousands of Filipino homeowners with CTBC Bank home loans are overpaying every month. Nook helps you switch to a rate as low as 5.99% p.a. — completely free.
CTBC REFINANCE SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
CTBC Bank is a well-regarded institution in the Philippines, but like most banks, their repricing cycles mean your home loan rate may no longer be competitive. If your loan was locked in a few years ago — or if your fixed-rate period has just ended — there's a good chance you're now paying a rate between 8% and 10% p.a. That gap between what you're paying and what's available in the market today is real money leaving your pocket every single month. Check current mortgage interest rates in the Philippines to see exactly how your CTBC rate stacks up.
Refinancing your CTBC Bank home loan means applying for a new loan with a different lender at a lower rate, then using it to pay off your existing balance. The result: a lower monthly amortisation, more breathing room in your budget, and potentially hundreds of thousands of pesos saved over the remaining life of your loan. Nook works with over a dozen Philippine banks to find you the best available offer — BDO, BPI, Security Bank, RCBC, Metrobank, and more — so you're not left guessing which bank will give you the best deal.
The process through Nook is entirely digital and 100% free to borrowers. You won't pay broker fees, application fees, or hidden charges just to find out if refinancing makes sense for you. Our team handles the comparison, the paperwork coordination, and the bank submissions on your behalf. Whether your remaining loan balance is ₱1.5 million or ₱8 million, if you're paying more than 6.5% on your CTBC home loan, it's worth taking five minutes to see what you could be saving.
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, you can apply to refinance at any time, but it's important to check your CTBC loan agreement for any pre-termination penalties or lock-in clauses. In many cases, the monthly savings from a lower rate outweigh any early exit fees within a year or two. Nook can help you run the numbers before you commit to anything.
Nook works with a wide panel of Philippine banks including BDO, BPI, Security Bank, Metrobank, RCBC, UnionBank, Chinabank, PNB, PSBank, EastWest Bank, and Robinsons Bank. We submit your application to multiple lenders simultaneously so you can compare actual offers side by side. You choose the bank and rate that works best for you.
You'll typically need a valid government-issued ID, proof of income (payslips or ITR if self-employed), your latest CTBC loan statement of account, and a copy of your Transfer Certificate of Title (TCT). Nook will give you a personalised checklist once you submit your initial details. If you want a general idea of what banks require, you can also browse the BPI housing loan requirements guide as a useful reference.
The typical refinancing timeline in the Philippines is 30 to 60 days from complete document submission to loan release. Nook streamlines this by managing bank coordination and follow-ups on your behalf, which helps avoid the delays that often come with going directly to a bank. Complex cases with title issues or incomplete documents may take longer.
There is no catch — Nook is genuinely free to borrowers. Like a real estate agent who earns a commission from the seller, Nook is compensated by the bank when a loan is successfully disbursed, not by you. This means you get expert guidance, multi-bank comparisons, and full application support at zero cost to you.
Check your exact savings in 60 seconds. It's free and takes no commitment.
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