PNB housing loan interest rates typically range from 7% to 9% per annum — but Nook can connect you with partner banks offering rates as low as 5.99% p.a., potentially saving you thousands every month.
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Why this matters
PNB (Philippine National Bank) is one of the Philippines' oldest and most established banks, offering home loans to Filipino borrowers across the country. Based on publicly available information, PNB housing loan interest rates generally fall between 7% and 9% per annum depending on the fixing period, loan amount, and borrower profile. These rates are approximate and subject to change — always confirm the latest figures directly with PNB before making any decisions. If you're currently repaying a PNB home loan, it's worth understanding how your rate compares to what's available in the market today. You can also review the PNB housing loan requirements and eligibility criteria to understand whether refinancing to another lender is a realistic option for you.
Refinancing your PNB home loan through Nook means your application is handled by the Philippines' first digital mortgage broker — completely free of charge. Nook works with a panel of verified partner banks and presents you with competitive refinance rates so you can make an informed comparison. Unlike going directly to each bank yourself, Nook streamlines the entire process: one application, multiple rate options, and a dedicated advisor to guide you through every step. For homeowners with a remaining loan balance of ₱1,500,000 or more, even a 1–2 percentage point reduction in your interest rate can translate into hundreds of thousands of pesos in savings over the life of your loan.
If you're unsure how much you could save by moving away from your current PNB rate, the estimates on this page are a useful starting point — but your actual savings will depend on your outstanding balance, remaining term, and the refinance rate you qualify for. To get a personalised figure, simply apply through Nook at no cost. And if you'd like to learn more about managing your existing loan in the meantime, check out this guide on refinancing your PNB housing loan for a deeper look at your options. Note: All interest rates referenced on this page are approximate, based on publicly available information, and subject to change. Please verify current rates directly with PNB or your preferred lender.
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 interest rates in 2026 generally range from approximately 7% to 9% per annum, depending on the loan amount, fixing period chosen (1, 2, 3, or 5 years), and the borrower's credit profile. These figures are approximate and subject to change, so we strongly recommend contacting PNB directly or visiting a branch to confirm the latest applicable rates for your situation.
Yes — refinancing your PNB home loan is a common strategy for reducing your monthly repayments, especially if your current rate is above 7.5% and you still have a significant outstanding balance. Through Nook, you can compare refinance rates from multiple partner banks and access rates as low as 5.99% p.a. at no cost to you. Nook's service is 100% free for borrowers, and the application process is handled entirely online.
For a ₱3,000,000 loan with roughly 20 years remaining, moving from an 8.5% PNB rate to a 5.99% refinance rate could reduce your monthly payment by approximately ₱3,900 — that's over ₱46,000 in savings per year. Your actual savings will depend on your specific loan balance, remaining term, and the rate you qualify for, so it's best to get a personalised estimate through Nook's free assessment.
Yes, Nook's service is completely free for homeowners. Nook earns a referral fee from its partner banks when a loan is successfully settled — this does not affect the rate you receive and there is no cost passed on to you at any stage. You receive independent guidance, access to multiple lender options, and full support through the application process without paying a cent.
To refinance a home loan in the Philippines, you'll typically need valid government-issued ID, proof of income (payslips or ITR for employed borrowers, audited financial statements for self-employed), your latest loan statement from PNB, and property documents such as the Transfer Certificate of Title (TCT) and tax declaration. For a full breakdown of what to prepare, visit our guide on PNB housing loan requirements and documents. Nook's team will also guide you through the exact checklist once you start your application.
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