RCBC's current housing loan promo offers a 7.00% fixed rate for 1 year — and through Nook, you can check if a better deal exists across all major banks, completely free.
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Why this matters
RCBC's housing loan promo for 2026 is one of the more competitive offerings in the Philippine market right now. With a 1-year fixed rate starting at 7.00% p.a. and a home equity option at 8.00%, RCBC caters to a wide range of borrowers — including private employees, OFWs, seafarers, self-employed professionals, and business owners. The minimum qualifying monthly income is P50,000, and RCBC supports loan purposes ranging from refinancing and reselling to pre-selling and ready-for-occupancy (RFO) properties. Typical approval takes around 49 days, making it a reliable choice for borrowers who want a structured timeline. You can learn more about what documents you'll need in our RCBC Housing Loan Requirements 2026 guide.
If you're currently paying 9% or higher on your existing home loan, refinancing to RCBC's promo rate could save you thousands of pesos every month. On a P3,000,000 loan with 20 years remaining, moving from 9.00% to 7.00% translates to over P4,000 in monthly savings — that's money that could go toward your family, investments, or paying down your loan faster. And if you're wondering whether RCBC is the right fit or whether another bank might offer you an even lower rate, Nook does that comparison for you at zero cost. Our RCBC refinancing page breaks down exactly how the process works.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We work directly with RCBC and other major banks to find you the lowest rate you qualify for — handling the paperwork, bank coordination, and follow-ups on your behalf. Whether you're drawn to RCBC's promo specifically or just want to make sure you're not overpaying on your mortgage, Nook gives you a clear, unbiased picture in minutes. Please note that interest rates are subject to change — always verify the latest rates with RCBC or through Nook before making a decision.
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 standard housing loans, and 8.00% p.a. for home equity loans. These are among the more competitive rates available from a major Philippine bank right now. Rates are subject to change, so it's worth confirming the latest figures with RCBC directly or through Nook before you apply.
RCBC accepts applications from private employees, OFWs and seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of P50,000 and a debt-to-income ratio of no more than 30%. RCBC supports multiple loan purposes including refinancing, home equity, RFO, pre-selling, reselling, and foreclosed properties. For a full breakdown of what's required, see our RCBC eligibility checklist.
RCBC's typical approval timeline is around 49 days from submission of complete documents. This timeline can vary depending on the complexity of your application and how quickly you're able to submit all required paperwork. Applying through Nook can help streamline the process since we guide you through document preparation and coordinate directly with the bank.
Applying through Nook gives you the same access to RCBC's promo rates — but with the added benefit of having a broker compare RCBC against other major banks at the same time. If another bank can offer you a lower rate, Nook will tell you. The service is completely free to borrowers, so there's no reason not to compare before committing.
Yes — refinancing is one of the supported loan purposes under RCBC's housing loan program. If you're currently paying a higher rate with another bank, switching to RCBC's 7.00% promo rate could significantly reduce your monthly payments. Nook specializes in refinancing and can calculate your exact savings before you apply, with no fees charged to you.
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