RCBC offers home loan rates from 7.00% p.a. — but if you're already a homeowner, you could refinance to as low as 5.99% p.a. through Nook and save thousands every month.
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Why this matters
RCBC (Rizal Commercial Banking Corporation) is one of the Philippines' most established universal banks and a Nook partner lender. Their housing loan product covers a wide range of purposes — from purchasing a ready-for-occupancy unit or pre-selling property, to home equity and refinancing. With a minimum monthly income requirement of P50,000 and approval timelines averaging around 49 days, RCBC is a practical option for salaried employees, OFWs, seafarers, self-employed professionals, and business owners alike. Their 1-year fixed rate starts at 7.00% p.a., which is competitive among major Philippine banks.
If you already have a home loan — whether with RCBC or another bank — it's worth asking whether you're still on the best available rate. Many Filipino homeowners took out loans when rates were higher and haven't revisited their terms since. Refinancing through Nook lets you compare RCBC's refinancing offer alongside other partner banks, all in one free application. Nook's service costs nothing to the borrower — banks pay a referral fee, so you get independent guidance at zero cost.
Whether you're applying for a new RCBC housing loan or exploring a switch from your current lender, understanding your full range of options is the smartest first step. Before you commit, check the full RCBC housing loan requirements for 2026 so you can prepare your documents in advance and move quickly when you're ready. Interest rates are subject to change — always verify the latest figures directly with RCBC or through Nook before making any financial decisions.
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 home loan rate starts at 7.00% p.a. as of 2026. They also offer a Home Equity loan rate of 8.00% p.a. These rates are subject to change, so it's best to confirm the latest figures with RCBC directly or apply through Nook to see a real-time offer.
RCBC accepts applications from private employees, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and the maximum debt-to-income (DTI) ratio allowed is 30% of your gross monthly income.
RCBC's typical approval timeline is around 49 days from submission of complete documents. Preparing your requirements in full before applying is one of the most effective ways to avoid delays — see the full checklist in our RCBC housing loan eligibility checklist.
Yes — RCBC accepts refinancing applications, and Nook can facilitate this as a free service to you. By applying through Nook, you can compare RCBC's refinance rate against other partner banks and choose the best offer. There are no broker fees charged to borrowers.
RCBC's housing loan can be used for purchasing ready-for-occupancy (RFO) properties, pre-selling units, resale homes, and foreclosed properties — as well as home equity loans and refinancing of existing mortgages. This makes RCBC a flexible option for a wide range of property transactions in the Philippines.
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