RCBC offers competitive housing loan rates starting at 7.00% p.a. (1-Year Fixed) — and through Nook, you can compare RCBC against other top banks in minutes, completely free.
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Why this matters
RCBC (Rizal Commercial Banking Corporation) is one of the Philippines' leading universal banks and a Nook partner — meaning you can apply for an RCBC housing loan through Nook at zero cost to you. RCBC's housing loan rates start at 7.00% p.a. for a 1-Year Fixed term, with a Home Equity option available at 8.00% p.a. Their program is open to a wide range of borrowers including private employees, OFWs and seafarers, self-employed individuals, and professionals. You'll need a minimum monthly income of ₱50,000 to qualify, and typical approval takes around 49 days. RCBC supports a variety of loan purposes including refinancing, reselling, ready-for-occupancy (RFO), pre-selling, home equity, and even foreclosed properties.
If you're currently paying a higher rate on your existing home loan — whether with RCBC or another bank — refinancing could save you a significant amount each month. Many Filipino homeowners are still on rates between 7% and 10%, often because they haven't reviewed their loan since it was first taken out. By refinancing your RCBC home loan or switching to RCBC from another lender, you may be able to lock in a lower rate and reduce your monthly amortisation substantially. Nook's free mortgage brokering service does the comparison work for you — no bank-hopping, no paperwork guesswork.
Not sure if RCBC is the best fit for your situation? It's smart to compare. You can check out how First Metro Investment stacks up against RCBC to see which lender offers better terms for your loan size and repayment period. Nook gives you access to multiple partner banks side by side, so you're not just taking the first rate you're offered — you're taking the best one. Interest rates are subject to change; always verify current rates with RCBC or through Nook 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 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 among the more competitive options available from Philippine banks, though they are subject to change — we recommend verifying the latest rates through Nook or directly with RCBC before applying.
RCBC accepts applications from private employees, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your debt-to-income ratio must not exceed 30%. RCBC also considers a variety of loan purposes including refinancing, home equity, RFO, pre-selling, reselling, and foreclosed properties.
RCBC's typical approval timeline is around 49 days from complete submission of documents. This is a standard timeframe for Philippine banks and covers document review, property appraisal, and credit evaluation. Submitting a complete and accurate application from the start can help avoid delays.
Yes — RCBC accepts refinancing applications, and Nook is a free mortgage broker that can help you apply. Whether your current loan is with another bank or with RCBC itself, Nook will compare available rates across multiple lenders so you can make an informed decision. There is no fee for borrowers using Nook's service.
Nook acts as your mortgage broker, which means you get access to RCBC's rates plus other partner banks — all in one place, at no cost to you. Unlike applying directly to a single bank, Nook lets you compare multiple offers so you're not limited to one lender's products. The application process is guided, and Nook handles much of the coordination on your behalf.
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