RCBC offers competitive house loan rates starting at 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 tens of thousands every year.
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Why this matters
RCBC (Rizal Commercial Banking Corporation) is one of the Philippines' most established universal banks and a trusted name in home financing. Their house loan products cover a wide range of purposes — from buying a ready-for-occupancy unit or pre-selling property, to home equity and refinancing. With a 1-year fixed rate of 7.00% p.a. and a minimum monthly income requirement of just ₱50,000, RCBC makes homeownership accessible to salaried employees, self-employed professionals, and OFWs alike. Typical loan approval takes around 49 days, and RCBC caps debt-to-income ratios at 30% to keep repayments manageable. If you want to understand exactly what documents you'll need, see our RCBC Housing Loan Requirements 2026 guide.
If you already have a home loan — whether with RCBC or another bank — refinancing could be the smartest financial move you make this year. Most Filipino homeowners are still locked into rates of 8% to 10%, often because switching banks feels complicated. That's exactly why Nook exists. As the Philippines' first digital mortgage broker, Nook compares house loan rates across multiple partner banks, including RCBC, and handles the entire application process on your behalf — completely free of charge to you as the borrower. There are no broker fees, no hidden costs, and no obligation to proceed.
Whether you're applying for a new RCBC house loan or looking to refinance your existing mortgage, the smartest first step is to see all your options side by side. The best rate for your situation depends on your income, property type, and outstanding balance — factors that vary from borrower to borrower. Nook's team will assess your profile, match you with the most competitive offer available (which may be RCBC or another lender), and guide you through every step of the process. Interest rates are subject to change, so we recommend verifying current offers directly. Ready to see what you could save? Find out how RCBC refinancing works or get your free comparison today.
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 rate of 7.00% p.a. for home loans, with a home equity rate of 8.00% p.a. These rates are subject to change, so it's worth verifying the latest figures directly with RCBC or through Nook, which compares live rates across multiple lenders at no cost to you.
RCBC accepts applications from private employees, self-employed individuals, licensed professionals, and OFWs or seafarers. You'll generally need a minimum monthly income of ₱50,000 and must keep your total debt-to-income ratio within 30%. For a full breakdown of eligibility criteria and required documents, check our RCBC Housing Loan Requirements 2026 checklist.
RCBC's typical loan approval timeline is around 49 days from submission of a complete set of documents. Delays are most common when documents are incomplete or when property appraisals take longer than expected, so preparing your requirements thoroughly before applying can help speed things along.
Yes — refinancing is one of the loan purposes RCBC supports, and it's one of Nook's most popular services. If you're currently paying a rate above 7%, refinancing could significantly reduce your monthly repayments. Nook will compare RCBC's refinancing offer against other partner banks to ensure you get the best deal, and the entire broker service is 100% free.
The loan itself comes from RCBC — Nook simply acts as your mortgage broker, managing the application process and negotiating on your behalf. The key advantage is that Nook compares multiple banks simultaneously, so you're not limited to one offer. There is no additional cost for using Nook's service; broker fees are paid by the bank, not the borrower.
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