PSBank offers home loans to Filipino borrowers, but most homeowners overpay by thousands each month. See how your current or future PSBank rate compares — and what Nook's partner banks can offer you instead.
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Why this matters
PSBank (Philippine Savings Bank), the thrift banking arm of Metrobank Group, offers home loans to Filipino borrowers looking to purchase or refinance residential property. Based on publicly available information, PSBank's home loan interest rates typically range from around 7.50% to 9.50% per annum depending on the fixing period, loan amount, and borrower profile — though these rates are approximate and subject to change without notice. Borrowers are strongly encouraged to verify current rates directly with PSBank before making any financial decisions.
While PSBank is a reputable lender, having a single bank quote means you may be leaving significant savings on the table. The Philippine home loan market is competitive, and rates can vary by more than 2 percentage points from one lender to another. On a ₱3,000,000 loan, that difference can translate to over ₱3,000 per month — money that stays in your pocket if you find the right lender. If you already have a PSBank home loan, it's worth exploring whether refinancing your PSBank housing loan through Nook could unlock a lower rate today.
Nook is the Philippines' first digital mortgage broker — a 100% free service that compares verified home loan rates from multiple partner banks on your behalf. Unlike going to a single bank and hoping for the best, Nook gives you access to competitive offers side by side, including rates as low as 5.99% p.a. Whether you're a first-time borrower evaluating PSBank or an existing PSBank borrower wondering if you're getting a fair deal, comparing PSBank against better alternative rates takes just minutes and costs nothing. Note: all interest rates shown on this page are indicative and subject to change.
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, PSBank home loan rates generally range from approximately 7.50% to 9.50% per annum, depending on the fixing period (1-year, 3-year, 5-year, etc.) and your borrower profile. These figures are approximate and subject to change — you should contact PSBank directly or visit a branch to get a current, personalised rate quote. For a fully verified comparison across multiple lenders, Nook's free service can show you competing offers side by side.
PSBank typically requires applicants to be Filipino citizens (or resident aliens) aged 21–65, with proof of income such as payslips and a Certificate of Employment for employed borrowers, or ITR and financial statements for self-employed applicants. You'll also need valid government-issued IDs, a duly filled application form, and property documents including the Transfer Certificate of Title (TCT), tax declaration, and vicinity map. Requirements may vary depending on your loan purpose (purchase, construction, or refinancing), so confirm the complete checklist with PSBank directly.
Yes — if your PSBank home loan is on a rate that's higher than what the current market offers, refinancing can significantly reduce your monthly payment. Many PSBank borrowers locked in rates of 8% or higher and may now qualify for rates as low as 5.99% p.a. through Nook's partner banks. Nook handles the comparison and application process for free, making it easy to find out how much you could save without any upfront cost or obligation.
PSBank, BDO, and BPI are all reputable lenders, but their home loan rates and terms differ — and the best choice depends on your specific loan amount, fixing period preference, and financial profile. PSBank is part of the Metrobank Group and tends to serve a broad range of borrowers, while BDO and BPI each have their own promotional rate tiers and eligibility criteria. Rather than calling each bank individually, Nook lets you compare multiple lenders at once — for free — so you can make a truly informed decision.
Home loan approval timelines in the Philippines typically range from 2 to 6 weeks, depending on the lender, completeness of your documents, and complexity of the property title. PSBank and other traditional banks may take 3–5 weeks for standard applications. Working through Nook can help streamline this process — our partner banks are experienced with broker-submitted applications, and our team helps ensure your documents are complete before submission to avoid unnecessary delays.
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