Interest Rates Comparison
One Uptown Residence BGC
- Starting Rate: 6.5% p.a.
- Promotional Rate: 5.99% p.a. (first 2 years)
- Fixed Period: Up to 5 years
- Variable Rate: 7.25% p.a. after promo
Century Properties
- Starting Rate: 7.2% p.a.
- Promotional Rate: 6.5% p.a. (first year)
- Fixed Period: Up to 3 years
- Variable Rate: 8.1% p.a. after promo
Monthly Payment Comparison
For a ₱5,000,000 condo unit with 20% down payment (₱4,000,000 loan, 20-year term):
| Developer | Promotional Period | Regular Period | Total Interest |
|---|---|---|---|
| One Uptown BGC | 22,950/month | 27,850/month | 2,245,000 |
| Century Properties | 25,200/month | 31,450/month | 2,890,000 |
Potential savings with One Uptown BGC: 645,000 over the loan term
Location and Investment Potential
One Uptown Residence BGC
- Prime Bonifacio Global City location
- Walking distance to major business districts
- Established infrastructure and amenities
- Strong rental yield potential (4-6% annually)
- Proven property appreciation (8-12% yearly)
Century Properties Projects
- Multiple locations across Metro Manila
- Varies by specific project location
- Mixed location quality depending on project
- Rental yields vary by location (3-7% annually)
- Property appreciation varies significantly
Down Payment and Terms
One Uptown Residence BGC
- Down Payment: 10-20%
- Construction Terms: 24-36 months
- Loan-to-Value: Up to 90%
- Processing Time: 30-45 days
Century Properties
- Down Payment: 15-25%
- Construction Terms: 36-48 months
- Loan-to-Value: Up to 85%
- Processing Time: 45-60 days
Similar to other BGC developments like Pacific Plaza Towers, One Uptown offers more favorable financing terms due to its prime location and developer reputation.
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Compare My Options →Frequently Asked Questions
Which has better loan rates - One Uptown BGC or Century Properties?
One Uptown Residence BGC typically offers better rates starting from 6.5% compared to Century Properties' 7.2%. The BGC project also provides longer promotional periods and lower long-term rates.
How much can I save by choosing One Uptown BGC over Century Properties?
On a ₱4,000,000 loan over 20 years, you can potentially save around ₱645,000 in total interest payments by choosing One Uptown BGC due to its lower interest rates and better terms.
Which location offers better investment returns?
One Uptown Residence BGC's prime Bonifacio Global City location typically provides stronger investment returns with 8-12% annual appreciation and 4-6% rental yields, compared to Century Properties projects which vary significantly by location.
What are the down payment requirements for each developer?
One Uptown BGC requires 10-20% down payment with up to 90% loan-to-value ratio, while Century Properties typically requires 15-25% down payment with up to 85% financing available.
Can I refinance my existing loan to get better rates?
Yes, if you're currently paying above 6.5%, you may benefit from refinancing. Nook can help you secure rates as low as 5.99% through our network of partner banks, potentially saving thousands in interest payments.