PNB housing loan interest rates typically range from 7% to 9% per annum — but Nook can connect you with verified partner banks offering rates from 5.99% p.a., potentially saving you thousands every month.
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Why this matters
If you took out a PNB housing loan in the last few years, you may be locked into a fixed rate of around 7% to 9% per annum — rates that were competitive at the time but may no longer reflect what's available in today's market. Based on publicly available information, PNB's standard home loan rates for 2026 fall within this range depending on the fixing period, loan amount, and borrower profile. These figures are approximate and subject to change, so always verify current rates directly with PNB before making any decisions. If you're unsure what rate you're on right now, your monthly Statement of Account or PNB's online payment portal is a good place to start.
The difference between 8% and 5.99% may sound small, but on a ₱3,000,000 loan with 20 years remaining, it translates to over ₱4,000 less per month — and more than ₱700,000 in total interest savings over the life of the loan. Refinancing through Nook means you're not just picking one bank's posted rate — you're getting your application matched across multiple Nook partner banks with verified, up-to-date offers. The entire process is 100% free for borrowers. You can also explore your PNB refinancing options in more detail to understand what switching actually involves.
Nook partner banks go through a streamlined application process with dedicated support — a meaningful advantage over navigating a refinance on your own. Whether your goal is to lower your monthly payment, shorten your loan term, or simply stop overpaying on interest, refinancing is worth exploring. Interest rates across all lenders are subject to change, and the best time to lock in a lower rate is before your current fixed period ends.
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 housing loan rates in 2026 generally range from around 7% to 9% per annum, depending on the loan amount, fixing period (1, 2, 3, or 5 years), and the borrower's profile. These rates are approximate and subject to change — always confirm the latest figures directly with PNB before applying or refinancing.
A fixed rate locks your interest rate for a set period — typically 1 to 5 years — giving you predictable monthly payments during that time. After the fixing period ends, your loan may reprice to PNB's prevailing rate, which could be higher or lower than your original rate. A variable rate, by contrast, moves with market benchmarks, which introduces more uncertainty but can also result in savings if rates fall.
Your monthly amortisation depends on three factors: your outstanding loan balance, your interest rate, and your remaining loan term. For example, a ₱3,000,000 loan at 8% per annum over 20 years results in a monthly payment of approximately ₱25,093. Using a mortgage calculator or consulting a broker like Nook can give you a more precise estimate based on your actual figures.
Yes — refinancing allows you to move your outstanding balance to a new lender offering a lower interest rate, which reduces your monthly payment and total interest paid. Nook is the Philippines' first digital mortgage broker and can match your application to multiple partner banks at no cost to you. You can learn more about refinancing your PNB loan through Nook to see if you qualify.
Refinancing typically requires proof of income (payslips or ITR), a copy of your existing loan documents, a recent Statement of Account, a Transfer Certificate of Title (TCT), and valid government-issued IDs. Requirements vary by lender, so it's worth checking the full PNB housing loan requirements and eligibility guide to make sure you have everything in order before applying.
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