Estimate your PNB housing loan monthly payments — then see how much you could save by refinancing to a lower rate as low as 5.99% p.a. through Nook, completely free.
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Why this matters
Philippine National Bank (PNB) is one of the Philippines' longest-standing government-linked banks and a popular choice for home financing. Based on publicly available information, PNB housing loan rates typically range from around 7.50% to 10.00% per annum depending on the fixing period, loan amount, and borrower profile. These rates are approximate and subject to change — always verify the current rate directly with PNB before making any financial decision.
If you currently have a PNB housing loan, your repricing date could be approaching — and that's actually a golden opportunity. Many Filipino homeowners don't realize that after their initial fixed-rate period ends, their rate can jump significantly. Rather than simply accepting PNB's repriced rate, it's worth comparing what other banks are offering. Nook's partner banks are currently offering rates as low as 5.99% p.a., which on a ₱3,000,000 loan could translate to savings of over ₱3,700 every month. You can also check out our BDO vs PNB housing loan rate comparison to see how PNB stacks up against another major bank.
Nook is the Philippines' first digital mortgage broker, and our refinancing service is 100% free to borrowers. We do the legwork of comparing verified rates from multiple banks — so you don't have to visit branch after branch or decipher fine print. If you're exploring your options, our RCBC vs PNB home loan rate comparison is another helpful resource. Whether you stick with PNB or switch to a Nook partner bank, making an informed decision could save you hundreds of thousands of pesos over the life of your loan.
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
Your monthly amortization depends on your outstanding loan balance, your interest rate, and your remaining loan term. You can use a standard amortization formula or an online calculator — just input these three figures to get an estimate. Keep in mind that PNB's published rates are approximate and your actual rate may differ based on your loan contract, so check your loan documents or contact PNB directly for your exact figures.
Based on publicly available information, PNB housing loan rates typically range from approximately 7.50% to 10.00% per annum, depending on the fixing period (1-year, 3-year, 5-year, etc.) and your loan profile. These figures are approximate and subject to change — for the most accurate and up-to-date rate, we recommend contacting PNB directly or visiting a branch.
Yes — and it's one of the smartest financial moves a homeowner can make. Refinancing means transferring your existing PNB loan to another bank offering a lower interest rate, which reduces your monthly payment and total interest paid. Nook makes this process free and straightforward by connecting you with partner banks offering rates as low as 5.99% p.a., handling the paperwork and comparison on your behalf.
On a ₱3,000,000 loan at a typical PNB rate of around 8.50%, refinancing to 5.99% p.a. could reduce your monthly payment by over ₱3,700 — that's more than ₱44,000 saved in the first year alone. Over a 15-year remaining term, total savings could exceed ₱670,000. Use Nook's free calculator to get an estimate based on your specific loan balance and current rate.
Nook's mortgage brokering service is completely free for borrowers — there are no broker fees, no consultation charges, and no hidden costs. Nook is compensated by the partner bank when a loan is successfully placed, which means you get expert guidance and rate comparisons at zero cost to you. Standard bank processing fees and documentation costs associated with the refinancing transaction may still apply.
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