Use this calculator to estimate your RCBC housing loan monthly payment — then see how much you could save by refinancing to a lower rate through Nook, completely free.
ESTIMATED MONTHLY SAVINGS
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Why this matters
RCBC is one of the Philippines' most established commercial banks and a competitive player in the home loan market. For 2026, RCBC offers a 1-year fixed rate starting at 7.00% p.a. for refinancing, with home equity loans available at 8.00% p.a. These rates apply to qualified borrowers with a minimum monthly income of ₱50,000, and RCBC accepts a wide range of employment types including private employees, OFWs, seafarers, self-employed professionals, and sole proprietors. Typical loan approval takes around 49 days, and RCBC accommodates loan purposes ranging from refinancing and reselling to pre-selling, RFO, foreclosed, and home equity. If you're evaluating RCBC alongside other lenders, check out our BPI vs RCBC home loan takeout rates comparison or our RCBC vs BDO refinancing rates comparison to see how RCBC stacks up.
The calculator above uses standard amortisation over a 20-year remaining term. To use it effectively, enter your outstanding loan balance, your current interest rate (check your latest bank statement or loan billing), and your remaining term. The result gives you your estimated monthly amortisation — and beside it, what that same loan could cost if refinanced to as low as 5.99% p.a. through Nook's partner banks. For many borrowers carrying a loan at 8–10%, the monthly difference can exceed ₱4,000, translating to hundreds of thousands in total interest savings over the life of the loan.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We work with RCBC and multiple other banks, which means we can shop the best available rate on your behalf without you having to approach each lender individually. Whether you're currently with RCBC and want to refinance out, or you're considering RCBC as a destination bank, Nook handles the legwork. Note that interest rates are subject to change — always verify the latest rates directly with the bank or through Nook before making any financial decisions. You may also want to review RCBC housing loan requirements to understand what documents and qualifications you'll need to prepare.
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 starting at 7.00% p.a. for refinancing, and 8.00% p.a. for home equity loans. These rates are available to qualified borrowers with a minimum monthly income of ₱50,000. Rates are subject to change, so it's best to confirm the latest figures with RCBC directly or through Nook.
Your monthly payment is determined by three factors: your loan amount, your interest rate, and your remaining loan term. Using standard amortisation, a ₱3,000,000 loan at 7.00% p.a. over 20 years results in an estimated monthly payment of around ₱23,259. Use the calculator on this page to input your specific figures and get a personalised estimate.
Yes — RCBC accepts refinancing applications, meaning you can transfer your existing home loan from another bank to RCBC to take advantage of their rates. RCBC accepts borrowers from all employment types including private employees, OFWs, and self-employed professionals. Through Nook, you can apply to RCBC and compare it with other partner banks at the same time, at zero cost to you.
RCBC requires a minimum monthly income of ₱50,000 and a maximum debt-to-income ratio of 30%. They accept private employees, OFWs, seafarers, self-employed individuals, and professionals. For a detailed checklist of documents and eligibility criteria, see our guide on RCBC housing loan requirements.
RCBC's typical loan approval timeline is around 49 days from complete document submission. Processing time can vary depending on the complexity of your application, the loan purpose, and how quickly required documents are submitted. Working with Nook can help streamline the process since we review your documents before submission to avoid unnecessary delays.
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