Estimate your RCBC monthly payments instantly — then see if refinancing to 5.99% p.a. could save you thousands every year. Nook's service is 100% free to borrowers.
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Why this matters
RCBC is one of the Philippines' most established home loan providers, offering a 1-year fixed rate of 7.00% p.a. and a Home Equity rate of 8.00% p.a. — competitive by industry standards, but still significantly higher than the best refinance rates available through Nook today. If you took out your RCBC home loan a few years ago, there's a strong chance your current rate is anywhere from 7% to 10%, and the difference in monthly payments can be substantial. Use this calculator to get a clear picture of what you're paying now versus what you could be paying. For a deeper look at how RCBC stacks up against other lenders, see our RCBC vs BDO home loan rates comparison for 2026.
Nook works with RCBC and a curated panel of top Philippine banks to find you the most competitive refinance rate for your specific situation. Whether your goal is to reduce your monthly payment, shorten your loan term, or unlock your home's equity, our licensed mortgage brokers do the legwork — comparing offers, handling paperwork, and guiding you through every step — at absolutely no cost to you. Before you apply, it's worth reviewing the RCBC housing loan requirements so you know exactly what documents to prepare and whether you're likely to qualify.
Keep in mind that the monthly payment estimates shown here are based on standard amortisation over a 20-year remaining term. Your actual payment will depend on your remaining balance, loan term, and the rate offered to you at the time of application. Interest rates are subject to change — always verify current rates directly with RCBC or through a Nook mortgage broker before making any financial decisions. Getting a free assessment through Nook takes less than five minutes and could unlock savings that add up to hundreds of thousands of pesos over the life of your loan.
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
As of 2026, RCBC offers a 1-year fixed rate of 7.00% p.a. for standard home loans and 8.00% p.a. for Home Equity loans. These rates are subject to change, so we recommend confirming the latest figures directly with RCBC or through a Nook mortgage broker before applying.
Your monthly payment depends on three factors: loan amount, interest rate, and loan term. For a 3,000,000 loan at 8.00% p.a. over 20 years, the estimated monthly payment is approximately 25,093. You can use the calculator above to adjust the figures to match your own loan details.
Yes — if your current RCBC rate is higher than what's available today, refinancing through Nook could meaningfully reduce your monthly payments. Nook compares offers from RCBC and other top Philippine banks to find you the best available rate, and the entire broker service is free to you as the borrower.
Each bank prices home loans differently based on your loan amount, term, employment type, and property details. Our BPI vs RCBC home loan takeout rates comparison breaks down the key differences to help you evaluate your options side by side. Nook can also run a multi-bank comparison tailored to your specific profile.
RCBC requires a minimum monthly income of 50,000 and accepts a range of employment types including private employees, OFWs and seafarers, self-employed individuals, and professionals. The maximum debt-to-income ratio is 30%, and typical loan approval takes around 49 days. For the full checklist of documents and requirements, visit our RCBC housing loan requirements guide.
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