RCBC offers competitive housing loan rates starting at 7.00% p.a. (1-year fixed) — but if you're already a borrower, you could be paying less. Nook can help you refinance for free.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
RCBC (Rizal Commercial Banking Corporation) is one of the Philippines' leading universal banks and a Nook partner bank, offering housing loans for ready-for-occupancy properties, pre-selling units, resale homes, and refinancing of existing home loans. Their 1-year fixed rate starts at 7.00% p.a., with a home equity rate of 8.00% p.a. — competitive rates backed by a well-established lending platform. RCBC accepts borrowers from a wide range of employment types, including private employees, OFWs and seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of P50,000. If you meet the eligibility criteria, RCBC's typical approval timeline is around 49 days. For a full breakdown of what documents you'll need, visit our RCBC Housing Loan Requirements 2026 guide.
If you already have an existing home loan — whether with RCBC or another bank — refinancing could be one of the most impactful financial moves you make this year. Many Filipino homeowners are still paying rates of 8% to 10% or higher, locked into repriced terms they accepted years ago without shopping around. Through Nook, you can refinance your home loan to as low as 5.99% p.a. at no cost to you — Nook's service is completely free for borrowers, because the bank pays the broker fee. That means more money staying in your pocket every single month. To see what your potential savings look like with RCBC specifically, try our RCBC housing loan calculator.
Nook is the Philippines' first digital mortgage broker, and we work with RCBC alongside other top Philippine banks to find you the best rate for your situation. Instead of visiting each bank individually and submitting documents multiple times, you submit once through Nook and we handle the rest. Our mortgage specialists compare offers across our full panel of lenders, negotiate on your behalf, and guide you through every step — from application to approval. There are no hidden fees, no pressure tactics, and no obligation. Just clear, expert advice and a faster path to a lower monthly payment.
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 housing loan rate starts at 7.00% p.a. for a 1-year fixed term, with a home equity rate of 8.00% p.a. These are verified rates for 2026, though interest rates are subject to change — always confirm the latest rates directly with RCBC or through Nook before applying. Applying through Nook is free and gives you access to multiple bank offers at once, so you can compare and choose the best deal.
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%. RCBC supports a range of loan purposes including refinancing, resale properties, ready-for-occupancy (RFO) units, pre-selling, foreclosed properties, and home equity loans.
RCBC's typical housing loan approval timeline is around 49 days from submission of complete documents. This can vary depending on the complexity of your application and how quickly required documents are provided. Applying through Nook helps speed up the process because our team ensures your documents are complete and correctly prepared before submission.
Yes — refinancing your existing home loan to RCBC is one of the loan purposes Nook actively facilitates. If you're currently paying a rate above 7%, refinancing to RCBC's current fixed rate could meaningfully reduce your monthly amortization. Nook will assess your situation, compare RCBC's offer against other lenders on our panel, and help you choose the option that saves you the most. Our service is 100% free for borrowers. You can learn more on our RCBC refinance page.
RCBC requires standard documents such as a valid government-issued ID, proof of income (payslips, ITR, or audited financial statements for self-employed borrowers), and property-related documents like the title and tax declaration. OFWs and seafarers will typically need employment contracts and proof of remittance. For a complete and up-to-date checklist, see our RCBC Housing Loan Requirements & Application Guide. Note that requirements may vary based on your employment type and loan purpose.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →