RCBC offers one of the most competitive housing loan rates in the Philippines — starting at 7.00% p.a. (1-year fixed). Apply through Nook for free and see if you qualify in minutes.
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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 bank offering genuinely competitive housing loan rates. For 2026, RCBC's 1-year fixed rate starts at 7.00% p.a., making it an attractive option for homebuyers and homeowners looking to refinance. Whether you're purchasing a ready-for-occupancy unit, a resale property, or a pre-selling condo, RCBC has a loan purpose to match. OFWs, seafarers, self-employed professionals, and private-sector employees are all eligible — with a minimum monthly income requirement of ₱50,000. Typical approval takes around 49 days, and RCBC's maximum debt-to-income ratio of 30% keeps your repayments manageable relative to your income.
If you're already paying a higher rate on an existing home loan — whether with RCBC or another bank — refinancing could free up thousands of pesos every month. Many Filipino homeowners are still on rates between 8% and 10%, often because they've never compared alternatives or found the process too complicated. That's exactly what Nook was built to solve. As the Philippines' first digital mortgage broker, Nook lets you refinance to a lower RCBC rate without paying broker fees — the service is completely free to borrowers. You can also use our RCBC rate calculator to see your personalised monthly payment estimate before you commit to anything.
The savings can be substantial. On a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to RCBC's 7.00% rate cuts your monthly payment by over ₱3,000 — that's more than ₱550,000 saved over the life of the loan. And because Nook works with multiple partner banks, we can objectively compare RCBC against BPI, BDO, Security Bank, and others to ensure you're getting the best deal available for your situation. Interest rates are subject to change — always verify current rates directly with RCBC or through Nook before proceeding.
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
For 2026, RCBC's 1-year fixed housing loan rate starts at 7.00% p.a. RCBC also offers a Home Equity loan product at 8.00% p.a. These rates are subject to change, so we recommend checking the latest figures through Nook or directly with RCBC before applying.
RCBC accepts applications from private-sector employees, OFWs and seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱50,000, and your total debt obligations should not exceed 30% of your gross monthly income. RCBC supports loan purposes including home purchase (RFO, pre-selling, resale), refinancing, foreclosed properties, and home equity.
RCBC's typical approval timeline is around 49 days from submission of complete documents. Ensuring your requirements are complete and accurate from the start is the best way to avoid delays. Applying through Nook gives you a dedicated mortgage specialist who helps you prepare your documents correctly the first time.
Yes — refinancing your current home loan to RCBC is one of the most popular services on Nook. If your existing rate is above 7.00%, you could significantly reduce your monthly payments. See our full guide on RCBC housing loan requirements to understand what documents you'll need to prepare for a refinance application.
No — Nook's service is completely free to borrowers. Nook is compensated by the bank, not by you, so there's no broker fee or hidden charge for using the platform. You get access to multiple bank options, expert guidance, and a streamlined digital application at zero cost.
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