Use our free RCBC home loan calculator to estimate your 2026 monthly payment — then see how much you could save by refinancing to as low as 5.99% p.a. through Nook, at zero cost to you.
RCBC BORROWER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
RCBC is one of the Philippines' most established commercial banks, offering competitive home loan products including refinancing, home equity, and purchase loans for ready-for-occupancy and pre-selling properties. Their 1-year fixed rate currently starts at 7.00% p.a., with home equity products at 8.00% p.a. — making RCBC a solid option for many Filipino homeowners. RCBC accepts a wide range of borrower profiles including private employees, OFWs, seafarers, self-employed individuals, and professionals, with a minimum monthly income requirement of P50,000 and a typical approval timeline of around 49 days. If you want a full breakdown of what you'll need to apply, see our RCBC housing loan requirements and eligibility guide.
But here's the thing: even if you're already with RCBC, you may be paying more than you need to. Many Filipino homeowners locked in rates between 8% and 10% several years ago and haven't revisited their loan since. Through Nook, the Philippines' first digital mortgage broker, you can compare RCBC's current rates side-by-side with BPI, BDO, Security Bank, Metrobank, and more — all in one place, all for free. Our calculator above uses a standard 20-year amortisation to give you a realistic snapshot of what your payments look like today versus what they could be at 5.99% p.a.
Refinancing through Nook costs you nothing — our broker service is 100% free to borrowers. We handle the comparison, the paperwork coordination, and the bank communication on your behalf. Whether you're looking to lower your monthly payment, shorten your loan term, or simply make sure you're on the best available rate, Nook makes the process straightforward. Please note that interest rates are subject to change — always verify current rates with RCBC or through Nook before making a financial decision. For more on eligibility, check out the RCBC housing loan requirements page to make sure you meet the criteria before applying.
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
RCBC currently offers a 1-year fixed rate starting at 7.00% p.a. for standard home loans, and 8.00% p.a. for home equity products. These rates are subject to change, so we recommend verifying the latest figures directly with RCBC or through Nook before proceeding with an application.
Our calculator uses a standard amortisation formula based on your loan amount, interest rate, and remaining loan term to estimate your monthly payment. It's designed to give you a realistic side-by-side comparison between your current rate and the best available refinance rate of 5.99% p.a. through Nook — so you can see your potential savings instantly.
RCBC accepts applications from private employees, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll generally need a minimum monthly income of P50,000 and a debt-to-income ratio of no more than 30%. For a full checklist of what you'll need, visit our detailed RCBC eligibility checklist.
Yes — Nook can help you refinance an existing RCBC loan to a lower rate, either staying with RCBC or switching to another partner bank that offers a better deal for your profile. The service is completely free to you as the borrower, and Nook handles the comparison and application process on your behalf.
RCBC's typical approval timeline is around 49 days from the time a complete application is submitted. Working through Nook can help streamline the process since our team ensures your documents are complete and correctly submitted from the start, reducing the chance of delays.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →