RCBC offers competitive housing loan rates starting at 7.00% p.a. — and through Nook, you can compare and refinance to as low as 5.99% p.a. for free.
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Why this matters
RCBC (Rizal Commercial Banking Corporation) is one of the Philippines' most established commercial banks and a Nook partner bank, offering housing loans for a wide range of purposes — from purchasing a ready-for-occupancy (RFO) or pre-selling unit, to refinancing your existing home loan from another bank. RCBC's 1-year fixed rate currently stands at 7.00% p.a., with a Home Equity rate of 8.00% p.a. Eligible borrowers include salaried employees in the private sector, OFWs and seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income requirement of 50,000.
If you already have an RCBC housing loan or a home loan with another bank, refinancing could significantly reduce your monthly payment. Most Filipino homeowners are still paying between 7% and 10% interest — often because they haven't revisited their rate since their loan repriced. Through Nook, you can explore an RCBC housing loan refinance and find out in minutes whether switching could save you thousands every month. Nook's service is completely free to borrowers — Nook is compensated by the bank, not by you.
Before applying, it helps to understand what documents and eligibility criteria RCBC requires. You can review the RCBC housing loan requirements for 2026 to make sure you're prepared before submitting your application. Typical approval takes around 49 days, and RCBC allows a maximum debt-to-income (DTI) ratio of 30%, so it's important to assess your current financial obligations before applying. Interest rates are subject to change — always verify current rates with RCBC or through Nook before making any financial decisions.
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 standard housing loans and 8.00% p.a. for Home Equity loans. These rates are subject to change, so it's best to confirm the latest rates directly with RCBC or through Nook 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 must meet RCBC's maximum debt-to-income ratio of 30%.
RCBC housing loans can be used for several purposes including purchasing a ready-for-occupancy (RFO) or pre-selling property, buying a resale home, acquiring a foreclosed property, taking out a Home Equity loan, or refinancing an existing home loan from another bank.
RCBC's typical approval timeline is around 49 days from the time your complete application and documents are submitted. Having all your requirements ready upfront can help avoid delays — you can check the full list in our RCBC housing loan requirements guide.
Yes, Nook's mortgage broking service is 100% free to borrowers. Nook is compensated directly by the bank when your loan is successfully processed, so you get expert guidance and bank comparisons at no cost to you.
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