RCBC is offering home loan refinancing rates from 7.00% p.a. (1-Year Fixed) — and if you qualify for Nook's best available rate of 5.99% p.a., you could cut thousands off your monthly repayment for free.
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Why this matters
RCBC (Rizal Commercial Banking Corporation) is one of the Philippines' most established commercial banks and a Nook partner bank — meaning you can apply for RCBC home loan refinancing directly through Nook at no cost to you. RCBC accepts refinancing applications from a wide range of borrowers, including private employees, OFWs, seafarers, self-employed individuals, and professionals, with a minimum monthly income requirement of 50,000 pesos. Their 1-Year Fixed rate starts at 7.00% p.a., and their Home Equity rate is 8.00% p.a. — both competitive options depending on your current situation.
If your existing home loan is with another bank and you're still paying rates of 9% or higher, switching to RCBC through Nook could deliver significant long-term relief. On a 3,000,000-peso loan with a 20-year remaining term, moving from 9.00% to 7.00% trims over 4,000 pesos from your monthly bill — that's real money back in your pocket every single month. Nook's platform lets you compare RCBC's refinancing process and eligibility requirements side by side with other lenders, so you're always choosing with full information.
Typical RCBC loan approval through Nook takes around 49 days, and Nook's broker service is completely free — we are paid by the bank, not by you. Whether you're refinancing from BDO, BPI, Metrobank, Security Bank, or any other lender, Nook handles the bank coordination and paperwork guidance so the process is as smooth as possible. Note: Interest rates are subject to change — please verify current RCBC rates with Nook before submitting your application.
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 1-Year Fixed refinancing rate is 7.00% p.a., and their Home Equity rate is 8.00% p.a. These are the rates available through Nook as a verified partner bank. Rates are subject to change, so we recommend checking with Nook for the most up-to-date figures before applying.
Yes — RCBC accepts refinancing applications from borrowers whose existing home loans are held at other Philippine banks such as BDO, BPI, Metrobank, Security Bank, and others. You'll need to meet RCBC's eligibility requirements, including a minimum monthly income of 50,000 pesos and a debt-to-income ratio within 30%. Nook can help you assess your eligibility for free before you apply.
RCBC's typical approval timeline through Nook is around 49 days from complete document submission. The actual timeline can vary depending on your property type, employment status, and how quickly supporting documents are provided. Nook's team will guide you through each step to avoid unnecessary delays.
RCBC accepts a broad range of employment and income types, including private employees, OFWs and seafarers, self-employed individuals, and licensed professionals. This makes RCBC a flexible option for many Filipino homeowners who may not qualify at more restrictive lenders. The minimum monthly income requirement is 50,000 pesos.
Yes — Nook's mortgage broker service is 100% free to borrowers. Nook is compensated directly by the partner bank once your loan is approved and disbursed, so you pay nothing for the comparison, application support, or document guidance. You can learn more about how Nook helps with the RCBC refinancing process before getting started.
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