RCBC offers competitive housing loan rates starting at 7.00% p.a. — but if you're on an older rate, you could be paying thousands more than you need to. Refinancing through Nook is 100% free.
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Why this matters
RCBC is one of the Philippines' leading universal banks and a trusted name in home financing. For 2026, RCBC's housing loan rates start at 7.00% p.a. for a 1-year fixed term, making it one of the more competitive options in the market. RCBC also offers a Home Equity loan product at 8.00% p.a. for homeowners who want to tap the value of their existing property. Loan purposes covered include refinancing, reselling, ready-for-occupancy (RFO) units, pre-selling, foreclosed properties, and home equity — giving borrowers a wide range of options under one roof. RCBC accepts applications from private employees, OFWs and seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of 50,000.
If you took out your housing loan several years ago, there's a good chance your current rate is significantly higher than what's available today. Many Filipino homeowners are still paying 8%, 9%, or even 10% on loans that were locked in during a higher-rate environment. Refinancing your existing loan — whether it's with RCBC or another bank — to take advantage of today's lower rates can translate into substantial monthly savings. Through Nook, you can access RCBC's current rates alongside offers from multiple other partner banks, so you're always getting the most competitive deal available. Learn more about refinancing your RCBC loan and how to reduce your monthly payments.
Applying through Nook costs you nothing. As the Philippines' first digital mortgage broker, Nook handles the rate shopping, paperwork coordination, and bank negotiations on your behalf — completely free of charge to the borrower. RCBC's typical approval timeline through Nook is around 49 days, and their maximum debt-to-income (DTI) ratio is 30%, which is fairly standard in the local market. If you're unsure whether you qualify or what documents you'll need, our RCBC housing loan requirements guide for 2026 walks you through everything step by step. Please note that all interest rates are subject to change — always verify current rates 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 current housing loan rate starts at 7.00% p.a. for a 1-year fixed term, and 8.00% p.a. for home equity loans. These rates are among the more competitive offerings from a Philippine universal bank in 2026. Note that rates are subject to change, so it's best to confirm the latest figures directly through Nook or RCBC before you apply.
RCBC accepts housing loan applications from private employees, OFWs and seafarers, self-employed individuals, and licensed professionals. Applicants must have a minimum monthly income of 50,000 and a debt-to-income ratio of no more than 30%. If you're unsure whether your profile qualifies, Nook can assess your eligibility for free before you submit anything to the bank.
RCBC housing loans can be used for a wide range of purposes, including refinancing an existing loan, purchasing a resale property, buying a ready-for-occupancy (RFO) unit, acquiring a pre-selling property, purchasing a foreclosed property, or taking out a home equity loan. This flexibility makes RCBC a strong option for both first-time buyers and existing homeowners looking to restructure.
The typical approval timeline for an RCBC housing loan processed through Nook is approximately 49 days from submission of complete documents. Delays are usually caused by incomplete paperwork, so making sure your documents are in order before applying is the single best way to speed things up. Nook's team will guide you through the exact requirements to minimise back-and-forth.
If your current home loan rate is above 7.00%, refinancing to RCBC's current rates could result in meaningful monthly savings — on a 3,000,000 loan at 9.00%, switching to a 7.00% rate saves you over 4,000 per month. Nook compares RCBC's offer alongside other partner banks to make sure you're getting the best rate available, and the entire broker service is completely free to you as the borrower. It takes just a few minutes to get a personalised estimate.
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