RCBC home loans typically reprice to 7.5%-9% after your fixed period ends. See what you should actually be paying, then compare against every other bank in one click.
POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
RCBC home loans are competitive when you first sign up, especially during the initial 1-3 year fixed period. The problem is what happens after that. Once your fixed term ends, RCBC reprices your loan to its prevailing rate, which is often 8% to 9.5% depending on market conditions and your original loan terms. Most borrowers don't notice until their monthly amortization jumps.
If you took out your RCBC mortgage more than two or three years ago, there's a good chance you're now sitting on a rate that no longer reflects what's available in the market. Banks rarely proactively tell you when a better deal exists elsewhere, and RCBC is no exception. Refinancing lets you lock in a materially lower rate without needing to sell your property or start from scratch.
Nook checks your current RCBC rate against live offers from BDO, BPI, Metrobank, Security Bank, Chinabank and more, all in one place. We handle the paperwork, negotiate on your behalf, and charge you nothing since our fee comes from the bank. If a lower rate exists, we'll find it and show you exactly how much you'd save every month.
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's fixed-rate promos usually range from 6.5% to 7.5% for the first 1-3 years, but repricing after that period often lands between 8% and 9.5%. The exact rate depends on your loan amount, term, and when you originally signed. If you're unsure what you're currently paying, check your latest amortization schedule or statement of account.
This usually happens when your fixed-rate period expires and the loan automatically reprices to RCBC's current rate, which tracks broader market conditions. It's standard practice across Philippine banks, not unique to RCBC. The good news is you're not obligated to accept it, refinancing to another bank is a straightforward alternative.
Yes, and that's exactly what Nook does. We compare your existing RCBC rate against current offers from other Philippine banks, handle the application and documentation, and never charge you a fee since we're paid by the bank you switch to. Most homeowners are surprised at how little effort is actually required on their end.
On a 3,000,000 peso loan moving from 8.25% to 5.99%, you'd save roughly 4,249 pesos a month, or about 764,820 pesos over a 15-year remaining term. Larger loans see even bigger savings in absolute peso terms. Use our calculator above to get a number based on your actual loan balance.
Not when Nook handles it. We collect your documents digitally, submit applications to multiple banks on your behalf, and manage the back-and-forth so you don't have to take time off work or visit branches repeatedly. Most homeowners spend less than 20 minutes total on the entire process.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →