The EastWest Bank housing loan offers some of the most competitive rates in the Philippines — starting at 5.99% p.a. Apply through Nook for free and see how much you could save every month.
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Why this matters
EastWest Bank is one of the Philippines' fastest-growing universal banks, and its housing loan product is built for real Filipino borrowers — whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity for renovations. With a 1-year fixed rate starting at just 5.99% p.a., a minimum monthly income requirement of ₱40,000, and typical loan approval in around 19 days, EastWest is a strong option for salaried employees, BPO workers, OFWs, seafarers, self-employed professionals, and government workers alike. Before you apply, it's worth reviewing the EastWest Bank housing loan requirements checklist so you have everything ready from day one.
If you're currently paying 8% or higher on your existing home loan — whether with EastWest or another bank — refinancing could dramatically reduce your monthly obligation. On a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to 5.99% saves over ₱5,000 every single month. That's money back in your pocket for your family, your business, or your future. Nook compares offers across multiple partner banks so you always get the best deal available, and our service is completely free to you as the borrower. You can also download and prepare the EastWest Bank home loan application form in advance to speed up the process.
Whether this is your first time applying for a housing loan or you're refinancing to escape a high interest rate, the process through Nook is simple and fully guided. We handle the paperwork, coordinate with the bank on your behalf, and make sure your application is submitted correctly the first time. EastWest Bank's loan products cover a wide range of purposes — from brand-new construction and pre-selling purchases to resale properties and foreclosed assets — so there's likely an option that fits your situation. Note: Interest rates are subject to change. Please verify current rates with EastWest Bank or through Nook before proceeding.
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
EastWest Bank currently offers a 1-year fixed rate of 5.99% p.a., a 3-year fixed rate of 6.25% p.a., a 5-year fixed rate of 6.49% p.a., and a 7-year fixed rate of 7.00% p.a. These are among the most competitive home loan rates available in the Philippines today. Rates are subject to change, so we recommend checking with Nook for the latest confirmed figures before you apply.
EastWest Bank accepts applications from a wide range of employment types, including private sector employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱40,000, and your total debt obligations should not exceed 40% of your gross monthly income. For a full breakdown of eligibility criteria, see the EastWest Bank housing loan requirements for 2026.
EastWest Bank's typical approval timeline is around 19 business days from the date of complete document submission. Having all your requirements ready upfront — including income documents, property documents, and the completed application form — can help avoid delays. Applying through Nook also helps because our team reviews your documents before submission to ensure everything is in order.
Yes, refinancing is one of the supported loan purposes under the EastWest Bank housing loan program. If you're currently paying a higher interest rate with your existing bank, refinancing with EastWest at 5.99% p.a. could significantly reduce your monthly payments. Nook can calculate your exact savings and guide you through the entire refinancing process at no cost to you.
No — Nook's mortgage brokerage service is 100% free for borrowers. Nook is compensated by the bank, not by you, so you receive unbiased guidance and access to the best available rates without paying any broker fees. You can start your application online and a Nook mortgage specialist will be in touch to guide you every step of the way.
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