Pasay homeowners are saving thousands every month by refinancing to rates as low as 5.99% p.a. — compare top Philippine banks in minutes, completely free.
PASAY HOMEOWNER SAVINGS ESTIMATE
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Why this matters
Pasay City is one of Metro Manila's most strategically located cities — home to NAIA, the Mall of Asia complex, and a growing number of condominium developments along Roxas Boulevard and the bayside corridor. Whether you own a unit in a high-rise near the airport or a house in one of Pasay's established residential enclaves, there's a strong chance your current home loan rate is costing you far more than it should. Many Filipino homeowners locked in rates between 7% and 10% during their initial bank repricing, and simply haven't explored what's available today.
Refinancing your Pasay home loan means switching your existing mortgage to a new lender offering a lower interest rate — and the savings can be substantial. On a 3,000,000 peso loan at 8.50%, you could be paying over 26,000 pesos a month. Refinancing to 5.99% through Nook could bring that down by more than 4,500 pesos every single month. That's real money back in your pocket — money you could use to pay down your principal faster, invest, or simply ease the monthly budget. If you're also considering properties in other parts of Metro Manila, you can compare the best home loan rates in Makati to see how lenders stack up across the city.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We work with BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, Chinabank, and more — so instead of applying one bank at a time, you get competing offers side by side. Our team handles the paperwork, coordinates with your chosen lender, and guides you all the way to approval. Getting started takes just a few minutes online, and there's no obligation to proceed until you've seen actual offers that work for you.
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, most Philippine banks are comfortable lending on condominiums and residential properties in Pasay City, including those in the NAIA vicinity and the bayside area. As long as the property has a clean title and meets the bank's appraisal requirements, it is eligible for refinancing through Nook.
It depends on your outstanding balance, remaining term, and your current interest rate. On a 3,000,000 peso loan with 20 years remaining, moving from 8.50% to 5.99% saves roughly 4,500 pesos per month — over 800,000 pesos across the life of the loan. Use Nook's free calculator to get a personalised estimate based on your actual numbers.
The typical refinancing timeline is 4 to 8 weeks from application to loan release, depending on the bank and the completeness of your documents. Nook helps streamline the process by preparing your documents correctly the first time and coordinating directly with the bank on your behalf.
Standard requirements include a valid government-issued ID, proof of income (payslips or ITR for employed applicants, audited financial statements for self-employed), your existing loan statement of account, a copy of your Transfer Certificate of Title (TCT), and a tax declaration for the property. Nook will give you a complete checklist tailored to your situation.
Yes, completely free. Nook is compensated by the bank when your loan is successfully released, so there is no fee charged to you at any stage of the process. You get access to multiple bank offers, expert guidance, and full application support at zero cost.
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