Estimate your EastWest Bank home loan payments instantly — then find out how much you could save by refinancing at 5.99% p.a. through Nook.
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Why this matters
EastWest Bank is one of the Philippines' most competitive home loan lenders, offering fixed-rate periods from 1 to 7 years. Their current rates start at 5.99% p.a. for a 1-year fixed term, rising to 6.25% for 3 years, 6.49% for 5 years, and 7.00% for 7 years. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, EastWest has a product that fits. Approval typically takes around 19 days, and they accept a wide range of borrower profiles — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income requirement of 40,000 pesos.
If you already have a home loan with another bank and you're paying a rate above 7%, this is worth paying close attention to. Many Filipino homeowners are still locked into rates of 8% to 10% — rates that were set years ago and have never been reviewed. Refinancing to EastWest Bank through Nook could bring your rate down to as low as 5.99% p.a., which on a 3,000,000 peso loan with 20 years remaining translates to thousands of pesos in monthly savings. You can also compare EastWest Bank against Chinabank or see how EastWest stacks up against Landbank to make sure you're getting the best deal available to you.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We do the legwork of comparing lenders, preparing your documents, and coordinating with the bank on your behalf — so you don't have to. The numbers on this page are computed using standard amortisation on a 20-year remaining term and are meant as a guide. Actual rates and payments will depend on your loan profile, property type, and the bank's credit assessment. Interest rates are subject to change — always verify current rates before making a financial decision.
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
The calculator estimates your monthly amortisation based on your loan amount, interest rate, and remaining loan term using standard reducing-balance amortisation. For a 3,000,000 peso loan at 5.99% p.a. over 20 years, your estimated monthly payment would be around 22,107 pesos. Keep in mind this is a guide figure — your actual payment may vary depending on fees, your chosen fixed-rate period, and EastWest Bank's credit assessment of your application.
EastWest Bank currently offers home loan rates starting at 5.99% p.a. for a 1-year fixed term, 6.25% for 3 years, 6.49% for 5 years, and 7.00% for 7 years. These rates apply to refinancing, RFO purchases, pre-selling, new construction, renovation, and home equity loans. Rates are subject to change, so we recommend verifying the latest figures directly with EastWest or through Nook before applying.
Yes — EastWest Bank accepts refinancing applications and it's one of their core home loan products. If you're currently paying a higher rate with BDO, BPI, Metrobank, Pag-IBIG, or any other lender, refinancing to EastWest at 5.99% p.a. could significantly reduce your monthly payments. Nook can help you assess whether you qualify and handle the entire application process at no cost to you.
EastWest Bank requires a minimum monthly income of 40,000 pesos and a debt-to-income ratio of no more than 40%. They accept a broad range of employment types including private sector employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Standard documentary requirements include proof of income, a valid ID, and property documents — Nook can give you a full checklist based on your specific situation.
Yes, completely free. Nook is a digital mortgage broker, which means we earn a referral fee from the bank — not from you. You get access to our loan calculator, lender comparison tools, and a dedicated mortgage advisor who will guide you through the entire application at zero cost. There are no hidden charges, no processing fees from Nook, and no obligation to proceed after getting your numbers.
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