PNB housing loan interest rates typically range from 7% to 9% per annum — but Filipino homeowners are now refinancing to rates as low as 5.99% p.a. through Nook, completely free of charge.
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Why this matters
Philippine National Bank (PNB) is one of the country's longest-standing commercial banks and offers housing loans for property purchases, construction, and refinancing. Based on publicly available information, PNB's housing loan interest rates generally fall between 7.00% and 9.50% per annum, varying by 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 decisions. If you're currently repaying a PNB housing loan, there's a strong chance your repricing date is approaching or has already passed, which means you could be sitting on a rate that's significantly higher than what's available in the market today.
Refinancing is the process of moving your existing home loan to a new lender at a lower interest rate — and it can result in substantial savings over the remaining life of your loan. For a 3,000,000 peso loan with 20 years remaining, the difference between an 8.50% rate and Nook's best available rate of 5.99% translates to over 4,600 pesos back in your pocket every single month. Before committing to a refinance, it helps to understand what documents and eligibility criteria PNB requires so you can benchmark your current standing. Nook works with multiple partner banks who have verified, competitive rates — and our team handles the entire comparison and application process on your behalf, at zero cost to you.
Many homeowners assume refinancing is complicated or expensive, but Nook was built specifically to remove those barriers. There are no broker fees, no hidden charges, and no pressure to choose any particular lender. We simply match you with the best available rate from our panel of partner banks, prepare your documents, and coordinate directly with the lender — so you don't have to. If you're already a PNB borrower and want to explore your options, see how PNB housing loan refinancing works through Nook and find out how much you could save. Interest rates shown on this page are indicative only and based on publicly available data as of 2026; actual rates will vary based on your loan profile and the lender's current offerings.
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 approximately 7.00% to 9.50% per annum, depending on the fixing period (1, 2, 3, or 5 years), loan amount, and your borrower profile. These figures are approximate and subject to change — contact PNB directly or visit a branch for the most up-to-date rates applicable to your situation.
PNB's rates are broadly in line with other major Philippine banks, though the most competitive offers in 2026 are coming from Nook's partner banks, where rates start as low as 5.99% p.a. Working with a mortgage broker like Nook means you get verified, current rates from multiple lenders compared side by side — rather than having to visit each bank individually. The difference of even 1-2 percentage points can add up to hundreds of thousands of pesos over a 20-year term.
PNB typically offers fixed-rate periods of 1, 2, 3, and 5 years, after which your loan reprices based on the prevailing market rate at that time. Shorter fixing periods often come with lower initial rates but carry the risk of repricing to a higher rate later. When your fixing period ends is often the best time to consider refinancing — you can lock in a new competitive rate without penalty.
Yes, you can refinance your PNB housing loan at any time, though it's most advantageous when your fixed-rate period is nearing its end to avoid prepayment penalties. Refinancing transfers your outstanding balance to a new lender at a lower interest rate, reducing your monthly amortization and total interest paid over the life of the loan. Nook can assess your eligibility and match you with the best refinancing option at no cost to you.
Simply fill out Nook's free online application at nook.com.ph and one of our mortgage specialists will reach out to assess your current loan, outstanding balance, and refinancing options. Nook is 100% free for borrowers — we earn a referral fee from the partner bank only when your loan is successfully approved. The entire process, from document preparation to lender coordination, is handled by our team so you can focus on what matters most.
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