PNB housing loan interest rates typically range from 7% to 10% p.a. depending on your fixing period — but 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 government-linked commercial banks and a popular choice for home financing. PNB housing loan interest rates are typically offered across fixed repricing periods — commonly 1, 2, 3, 5, or 10 years — after which your rate reverts to a prevailing rate that may be significantly higher. Based on publicly available information, PNB's fixed rates generally range from approximately 7% to 10% p.a. depending on the term and your loan profile. These rates are approximate and subject to change, so always confirm the latest figures directly with PNB before making any decisions.
If your PNB home loan has already repriced — or is about to — you could be paying a rate well above what's available in today's market. Refinancing means replacing your existing loan with a new one at a lower interest rate, ideally before your current fixed period expires. The savings can be substantial: on a 3,000,000 loan with 20 years remaining, moving from 8.50% to 5.99% p.a. could save you over 3,000 pesos every month. Before you refinance, it's worth understanding the full PNB housing loan requirements and eligibility criteria so you know exactly what to prepare.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. Rather than approaching each bank individually, Nook compares rates across multiple partner banks on your behalf — giving you access to verified, competitive offers in one streamlined process. Unlike going directly to a bank where you only see one rate, Nook puts genuine competition to work for you. If you're already a PNB borrower and want to keep track of your loan while exploring your options, you can also check out this guide on PNB housing loan online payment and application status tracking. Interest rates are subject to change; all figures should be verified with the relevant institution before proceeding.
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 typically range from approximately 7% to 10% p.a., depending on your chosen fixed repricing period (1, 3, 5, or 10 years) and your individual loan profile. These figures are approximate and subject to change, so we strongly recommend contacting PNB directly or visiting a branch to confirm the most current rates applicable to your situation.
After your fixed repricing period expires, your PNB home loan rate will reset to PNB's prevailing rate at that time, which is typically higher than promotional fixed rates. This repricing event is actually the best moment to consider refinancing — you have the opportunity to lock in a new competitive rate elsewhere rather than accepting whatever rate your current bank offers. Nook can help you compare your options before your repricing date arrives.
Yes, you can refinance your PNB home loan to any other bank that accepts refinancing applications, and this is a completely legal and common practice in the Philippines. The process involves the new bank paying off your remaining PNB balance and issuing you a new loan at the agreed rate and terms. Nook can help you identify which partner banks offer the most competitive rates for your specific loan amount and remaining term — at no cost to you.
Savings depend on your outstanding loan balance, remaining term, and the rate difference between your current PNB rate and your new refinanced rate. For example, refinancing a 3,000,000 loan from 8.50% to 5.99% p.a. over 20 years could save you approximately 3,069 pesos per month — or over 550,000 pesos across the life of the loan. Use Nook's free calculator to get a personalised estimate based on your actual figures.
Yes — Nook's mortgage broking service is 100% free to borrowers. Nook earns a referral fee from the partner bank when your loan is successfully processed, which means you get access to expert rate comparison and application support at zero cost. Standard third-party costs such as appraisal fees, notarial fees, and registration charges may still apply, but you won't pay Nook anything for finding and securing your best rate.
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