Use our free RCBC home loan calculator to estimate your monthly amortization — then see how much you could save by refinancing at 5.99% p.a. through Nook, at zero cost to you.
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Why this matters
RCBC is one of the Philippines' leading banks for home financing, currently offering a 1-year fixed rate of 7.00% p.a. for housing loans and refinancing. If you already have an RCBC home loan — or you're considering one — it's worth knowing exactly what your monthly amortization looks like at different loan amounts and terms. Our calculator lets you plug in your figures instantly, so you're never guessing. And if you want a deeper look at eligibility before you apply, check out the RCBC Housing Loan Requirements & Application Guide to understand what documents and qualifications you'll need.
But calculating your payment is only the first step. Many Filipino homeowners are currently paying rates of 8%, 9%, or even higher on loans taken out years ago — and they don't realize how much that's costing them every single month. Through Nook, you can refinance with RCBC or compare offers across multiple partner banks to find the lowest available rate. Right now, the best refinance rate on the Nook platform is 5.99% p.a. On a 3,000,000 loan with 20 years remaining, even dropping from 7.00% to 5.99% can mean meaningful savings over the life of your loan. Nook's service is completely free for borrowers — no broker fees, no hidden charges.
RCBC offers home loans to a wide range of borrowers including private employees, OFWs and seafarers, self-employed professionals, and business owners, with a minimum monthly income requirement of 50,000. Typical approval takes around 49 days, and their loan programs cover refinancing, reselling, pre-selling, ready-for-occupancy (RFO) units, home equity, and foreclosed properties. If you're ready to find out what rate you actually qualify for today, Nook can submit your application to RCBC and other banks simultaneously — saving you time and giving you real options to compare. Note that interest rates are subject to change; always verify current rates directly with RCBC or through Nook before making a financial decision.
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
Your monthly amortization depends on three variables: your loan amount, your interest rate, and your loan term. For example, a 3,000,000 loan at RCBC's current 1-year fixed rate of 7.00% p.a. over 20 years results in an estimated monthly payment of around 23,259. Using Nook's free calculator, you can instantly adjust these inputs to match your exact situation.
RCBC currently offers a 1-year fixed rate of 7.00% p.a. for standard housing loans and refinancing, and 8.00% p.a. for home equity loans. These rates are subject to repricing after the fixed period ends, so it's important to plan for possible rate changes. You can verify the latest RCBC rates through Nook or directly with the bank.
Yes — RCBC is a Nook partner bank and accepts refinancing applications through the platform. Nook will submit your application to RCBC and other partner banks at the same time, so you can compare offers side by side. The entire Nook service is free for borrowers, with no broker fees charged at any stage.
RCBC accepts applications from private employees, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000, and the maximum debt-to-income (DTI) ratio allowed is 30%. For a full breakdown of eligibility requirements and documents needed, see the RCBC Housing Loan Requirements 2026 — Full Eligibility Checklist.
RCBC's typical loan approval timeline is around 49 days from submission of complete documents. Applying through Nook can help streamline the process since Nook's team reviews your documents before submission, reducing the chance of delays due to incomplete requirements. Once approved, loan proceeds are released according to the property type and purchase agreement.
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