RCBC offers competitive housing loan rates starting at 7.00% p.a. — but Nook partner banks can go as low as 5.99% p.a. See exactly how much you could save by switching, for free.
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Why this matters
RCBC (Rizal Commercial Banking Corporation) is one of the Philippines' most established home lenders, offering housing loans for ready-for-occupancy properties, pre-selling units, refinancing, home equity, and resale homes. Their 1-year fixed rate of 7.00% p.a. is competitive among major Philippine banks, and their loan programs accept a wide range of borrower profiles — including private employees, OFWs, seafarers, self-employed individuals, and licensed professionals. With a minimum monthly income requirement of P50,000 and a typical approval timeline of around 49 days, RCBC is a solid option for many Filipino homebuyers and homeowners. You can explore the full RCBC housing loan requirements and application guide to understand what documents and qualifications you'll need.
If you already have an RCBC housing loan, it's worth checking whether your current rate still matches what's available in the market today. Many homeowners who took out loans 3–5 years ago are locked into rates of 8%, 9%, or even higher — and refinancing through Nook could mean meaningful monthly savings without any broker fee to you. Nook's service is completely free to the borrower. We compare offers across multiple partner banks, including RCBC itself, to surface the lowest rate you qualify for. If you're considering a move, our RCBC housing loan refinance guide walks through exactly how the process works.
Whether you're a first-time homebuyer evaluating RCBC or an existing borrower wondering if you're overpaying, Nook gives you a transparent, side-by-side comparison of real rates — not just advertised ones. Interest rates are subject to change and final rates will depend on your loan profile, property type, and the bank's current offerings. Submit your details once, and Nook does the legwork across our entire panel of lender partners to find your best deal.
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 1-year fixed housing loan rate is 7.00% p.a. as of 2026, with a home equity rate of 8.00% p.a. These rates are subject to change based on market conditions and your specific loan profile, so it's always best to confirm directly with RCBC or through a broker like Nook who has up-to-date access to live bank offers.
RCBC requires a minimum monthly income of P50,000 for housing loan applicants. They accept borrowers from a wide range of employment categories including private employees, OFWs, seafarers, self-employed individuals, and licensed professionals. This flexibility makes RCBC accessible to many Filipino borrowers who may not qualify at more restrictive banks.
RCBC typically processes and approves housing loans in approximately 49 days from submission of complete requirements. The timeline can vary depending on the completeness of your documents, the property type, and current application volumes at the bank. Submitting a complete application from the start is the best way to avoid delays.
Yes — refinancing to RCBC is one of the loan purposes Nook supports, and it's completely free to apply through us. Nook will compare RCBC's refinance offer against other partner banks so you can see which lender gives you the lowest rate and best terms for your specific situation. There's no obligation to proceed until you're happy with the offer.
Applying through Nook gives you access to RCBC's rates alongside offers from multiple other partner banks — all in one free application. You won't pay any broker fee, and Nook's team handles the comparison and coordination on your behalf. Going directly to RCBC only gives you one data point, whereas Nook helps ensure you're getting the most competitive rate available to you.
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