RCBC is offering a 7.00% fixed rate for the first year — refinance now through Nook and pay zero broker fees while rates are still this low.
YOUR POTENTIAL SAVINGS WITH RCBC
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Why this matters
RCBC's 2026 housing loan promo gives Filipino homeowners a rare window to lock in a 1-year fixed rate of 7.00% p.a. — one of the most competitive offers available from a major Philippine bank right now. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, RCBC has a product designed for your situation. And because Nook is an accredited RCBC partner, you can apply through us at absolutely no cost — we handle the paperwork, the bank coordination, and the rate negotiation on your behalf. If you're unsure what documents you'll need, our RCBC housing loan requirements guide for 2026 walks you through everything step by step.
Eligibility for RCBC's promo is broader than many borrowers expect. Salaried employees in the private sector, self-employed professionals, OFWs, and seafarers are all welcome — provided your minimum monthly income is at least ₱50,000 and your debt-to-income ratio stays within 30%. RCBC's typical approval timeline runs around 49 days, which is faster than many banks, making it a strong choice if you're working toward a specific move-in or refinancing deadline. If you're specifically looking to reduce your current monthly payments, our dedicated page on RCBC housing loan refinancing explains exactly how the process works and what savings you can realistically expect.
The smartest move you can make in 2026 is to act before promo rates expire or the Bangko Sentral ng Pilipinas adjusts its policy rate. Homeowners who refinanced early in previous rate cycles saved hundreds of thousands over the life of their loan — and those who waited often paid for the delay for years. Through Nook, you can compare RCBC's offer against other partner banks in minutes, get pre-qualified without affecting your credit score, and have a dedicated mortgage advisor guide you from application to approval. Please note that interest rates are subject to change — always verify the latest figures directly with RCBC or through your Nook advisor before finalising 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 is currently offering a 1-year fixed rate of 7.00% p.a. for eligible housing loan borrowers, including those refinancing an existing home loan. This is among the most competitive fixed rates available from a major Philippine bank right now. Rates are subject to change, so it's best to lock in as soon as you qualify.
RCBC accepts applications from private sector employees, self-employed individuals, professionals, OFWs, and seafarers. You'll need a minimum monthly income of ₱50,000 and a debt-to-income ratio of no more than 30%. Loan purposes covered include purchase of RFO properties, pre-selling, resale, foreclosed assets, home equity, and refinancing.
RCBC's typical approval timeline is around 49 days from submission of a complete application, which is faster than the industry average. Applying through Nook helps speed things up because our advisors ensure your documents are complete and correctly submitted from day one. Incomplete applications are the most common cause of delays.
No — Nook's service is completely free to borrowers. We're compensated by the bank, not the applicant, so you get full access to our mortgage advisors, document support, and bank comparison tools at zero cost. You apply with the same rates and terms as going directly to RCBC, but with expert guidance throughout.
Yes, refinancing is one of the loan purposes explicitly supported under RCBC's housing loan program. If you're currently paying 9% or higher with another bank, switching to RCBC's 7.00% promo rate could save you tens of thousands of pesos per year. Use Nook's free refinancing service to compare your options and see your personalised savings estimate before committing.
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