Many PNB housing loan borrowers are paying rates of 8% or higher. Nook can help you refinance to as low as 5.99% p.a. — for free.
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Why this matters
PNB (Philippine National Bank) is one of the Philippines' largest and most established banks, offering housing loans for property purchase, construction, and refinancing. Based on publicly available information, PNB's standard home loan interest rates typically range from around 7% to 9.5% per annum, depending on the fixing period and the borrower's profile. These rates are approximate and subject to change — always confirm the latest rates directly with PNB before making any decisions. If you're currently repaying a PNB housing loan taken out a few years ago, there's a strong chance your rate has repriced upward, and you may be paying significantly more than necessary.
Refinancing is one of the smartest financial moves a homeowner can make. If your remaining PNB loan balance is ₱1.5 million or more and you still have a decade or more left on your term, switching to a lender offering a lower rate through Nook could save you tens of thousands of pesos every year. Nook works with a panel of partner banks to find you verified, competitive rates — and the entire broker service is 100% free to you as the borrower. You can learn more about what's involved in refinancing your PNB housing loan through Nook and whether it makes sense for your situation.
The process is straightforward: you share your loan details with Nook, and Nook's team compares options across multiple lenders to surface the best available rate for your profile. There's no obligation, no upfront cost, and no pressure. Whether you're mid-term on your PNB loan or approaching a repricing date, now is a good time to check whether you could be paying less. Note that all interest rates shown on this page are illustrative and based on publicly available data — actual savings will depend on your specific loan balance, remaining term, and the rate you qualify for.
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
Based on publicly available information, PNB's housing loan rates typically range from approximately 7% to 9.5% per annum, depending on the fixing period you choose (e.g., 1-year, 3-year, or 5-year fixed). These rates are indicative and subject to change, so you should contact PNB directly or visit a branch to confirm the latest figures. If you want to compare PNB's rates against other lenders, Nook can help you do that for free.
Yes — refinancing away from PNB to another bank is a common and perfectly legal financial strategy, especially if your current rate has repriced higher than what the market now offers. The new bank settles your outstanding PNB balance and takes over your mortgage, ideally at a lower interest rate. Check out our guide on PNB housing loan refinancing to understand the steps and costs involved.
Savings depend on your outstanding balance, remaining term, and the rate difference between your current PNB loan and what you qualify for elsewhere. On a ₱3,000,000 loan with 20 years remaining, moving from 8.5% to 5.99% could save you over ₱4,700 per month — or more than ₱56,000 a year. Use Nook's free service to get a personalised estimate based on your actual loan details.
For a PNB housing loan application or refinance, you'll typically need government-issued ID, proof of income (payslips or ITR), a copy of your Transfer Certificate of Title (TCT), and recent bank statements. For refinancing specifically, you'll also need a statement of account from your current lender showing your outstanding balance. See our detailed breakdown of PNB housing loan requirements and eligibility for a full document checklist.
Yes, Nook's service is 100% free to borrowers. Nook is compensated by the partner bank once your loan is successfully processed, so you pay nothing for the comparison, advice, or application assistance. There are no hidden fees or charges for using Nook to find a better home loan rate.
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