RCBC offers competitive home loan rates starting at 7.00% p.a. — and if you're already paying more, Nook can help you refinance for free and save thousands every year.
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Why this matters
RCBC (Rizal Commercial Banking Corporation) is one of the Philippines' most established universal banks, offering home loan products for a wide range of borrowers — from salaried employees and self-employed professionals to OFWs and seafarers. RCBC home loans are available for ready-for-occupancy properties, pre-selling units, resale homes, foreclosed assets, and home equity purposes, making it a flexible choice whether you're buying your first home or unlocking the value of a property you already own. Their 1-year fixed rate starts at 7.00% p.a., with a minimum monthly income requirement of ₱50,000 and a maximum debt-to-income ratio of 30%.
If you already have an existing home loan — whether with RCBC or another bank — and you're currently paying a rate above 7%, refinancing could put significant money back in your pocket every month. Nook works with RCBC as a partner bank, which means we can submit your refinance application directly and guide you through every step of the process at absolutely no cost to you. There are no broker fees, no hidden charges, and no obligation to proceed. You can also check out our full guide to RCBC housing loan requirements to understand exactly what documents and qualifications you'll need before applying.
The typical approval timeline for an RCBC home loan through Nook is around 49 days. To get started, Nook will assess your current loan, compare it against the best available rates from RCBC and other partner banks, and present you with a clear picture of your potential savings. Whether you're refinancing a ₱2,000,000 condo loan or a ₱6,000,000 house-and-lot, the process is the same — straightforward, transparent, and free. Please note that interest rates are subject to change; always verify current rates 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
RCBC currently offers a 1-year fixed home loan rate of 7.00% p.a. for standard purchase and refinance loans, and 8.00% p.a. for home equity loans. These rates are subject to change, so we recommend verifying the latest rates through Nook or directly with RCBC before submitting your application.
RCBC accepts home loan applications from private employees, self-employed individuals, professionals, OFWs, and seafarers. You'll need a minimum monthly income of ₱50,000 and a total debt-to-income ratio of no more than 30%. For a complete breakdown of what you'll need to qualify, see our RCBC housing loan requirements and application guide.
Yes — refinancing is one of RCBC's approved loan purposes, and Nook is an accredited partner that can submit your application directly. If you're currently paying a rate above 7%, refinancing with RCBC through Nook could reduce your monthly payment significantly, with no broker fees charged to you at any point.
The typical approval timeline for an RCBC home loan is approximately 49 days from the time a complete set of documents is submitted. Nook helps streamline this process by reviewing your documents before submission, reducing the chance of back-and-forth delays with the bank.
Yes, 100% free. Nook is compensated by the bank upon successful loan disbursement, so you never pay a broker fee or service charge. You get access to multiple bank options, expert guidance, and a fully managed application — all at no cost to you.
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