Homeowners refinancing with RCBC can access rates starting at 7.00% p.a. — or switch to another Nook partner bank and get as low as 5.99% p.a. See how much you could save on a 3,000,000 loan.
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Why this matters
RCBC is one of the Philippines' most established commercial banks and a Nook partner, offering home loan refinancing rates starting at 7.00% p.a. for a 1-year fixed period. If you're currently locked into a higher rate — whether with RCBC or another lender — refinancing now could cut thousands off your monthly amortisation. RCBC accepts borrowers from the private sector, OFWs and seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of 50,000 and a maximum debt-to-income ratio of 30%. Typical approval takes around 49 days, and loan purposes include refinancing, home equity, RFO, pre-selling, reselling, and foreclosed properties.
The smartest move isn't just switching to RCBC — it's making sure RCBC is the right bank for your situation. Through Nook, you can compare RCBC side-by-side with other partner banks at no cost to you. Nook's service is 100% free for borrowers: no broker fees, no hidden charges. Our mortgage specialists handle the paperwork, coordinate with the bank, and keep you updated every step of the way. If you're weighing your options, our step-by-step guide to switching banks in the Philippines is a great place to start.
Whether you want to refinance into RCBC from another lender, or you're an existing RCBC borrower looking to reprice your rate, Nook can help you find the best deal available in 2026. Interest rates are subject to change, so it's worth checking current offerings before you commit. For a deeper look at RCBC's specific loan terms and requirements, see our full RCBC refinancing rate guide. The sooner you act, the more years of savings you lock in.
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 a Nook partner bank, RCBC currently offers a 1-year fixed refinancing rate of 7.00% p.a., with a home equity rate of 8.00% p.a. These rates are competitive within the Philippine market, though they are subject to change — always verify the latest rates with Nook or directly with RCBC before applying.
RCBC accepts a wide range of borrower types, including private-sector employees, OFWs and seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of 50,000 and a debt-to-income ratio of no more than 30% to qualify.
RCBC's typical approval timeline is around 49 days from submission of complete documents. Applying through Nook can help streamline the process, as our team ensures your documents are complete and correctly prepared before submission — reducing the risk of delays.
Yes — if your current RCBC rate is higher than what other Nook partner banks are offering, switching lenders can generate significant savings. Nook lets you compare all available rates for free, so you can see exactly which bank gives you the best deal based on your loan amount, term, and income profile.
No, Nook's service is completely free for borrowers. There are no broker fees or application charges — Nook is compensated by the banks, not by you. You get expert guidance, document support, and bank comparison at zero cost.
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