If you have a PNB home loan, you could be paying more than you need to. Compare your current rate against the best refinance rates available today — and find out how much you could keep in your pocket every month.
ESTIMATED MONTHLY SAVINGS
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Why this matters
The PNB housing loan calculator helps you estimate your monthly amortisation based on your loan amount, term, and interest rate. PNB (Philippine National Bank) is one of the country's largest banks and offers home loan products with interest rates that typically range from 7% to 10% per annum, depending on the fixing period and your borrower profile. These figures are approximate, based on publicly available information, and are subject to change — so always confirm the latest rates directly with PNB before making any financial decisions. For a broader view of how PNB stacks up against competitors, our BDO vs PNB housing loan rate comparison breaks down the differences in detail.
Where many homeowners get caught off guard is the repricing cycle. PNB — like most Philippine banks — fixes your interest rate for an initial period (typically 1, 2, 3, or 5 years), after which it reprices to a new rate based on prevailing market conditions. If you locked in during a low-rate environment and have since been repriced upward, or if you simply never compared your rate against the broader market, there's a real chance you're overpaying. Refinancing through a broker like Nook means you can access rates as low as 5.99% p.a. from Nook's panel of partner banks — at zero cost to you.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We do the legwork of comparing verified offers from multiple lenders so you don't have to. If you're exploring your options beyond PNB, it's also worth reading our RCBC vs PNB home loan rate comparison to see how different lenders approach refinancing. Whether you're mid-loan or approaching a repricing date, now is a great time to find out if you can do better.
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 gives you a solid ballpark figure based on standard amortisation formulas using your loan amount, term, and interest rate. However, your actual monthly payment may vary slightly depending on PNB's specific fee structures, the exact fixing period you choose, and any applicable charges. Always confirm your final amortisation schedule directly with PNB or through a licensed mortgage broker.
PNB's housing loan rates generally range from around 7% to 10% per annum depending on the fixing period — shorter fixes (1–2 years) tend to have lower initial rates, while longer fixes (5 years) are slightly higher but offer more stability. These figures are approximate and based on publicly available information, so we recommend verifying current rates directly with PNB as they are subject to change.
Yes, you can refinance your PNB home loan with another bank if you find a more competitive rate. The process involves the new lender paying off your remaining PNB balance, after which you make payments to your new lender at the lower rate. Nook can help you compare verified offers from multiple partner banks for free, handling the paperwork and negotiation on your behalf.
Savings depend on your remaining loan balance, current interest rate, and the new rate you qualify for. On a 3,000,000 peso loan at 8.50%, refinancing to 5.99% could reduce your monthly payment by over 3,000 pesos — that's more than 36,000 pesos a year in savings. Use Nook's free comparison tool to get a personalised estimate based on your actual loan details.
No — Nook's mortgage broking service is completely free for borrowers. Nook earns a referral fee from the lender only when your loan is successfully settled, so there is no cost to you at any stage of the process. You get access to multiple verified lender offers, expert guidance, and full application support at zero charge.
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