Thousands of Filipino homeowners with RCBC Savings Bank home loans are paying rates well above 7% — Nook can help you switch to as low as 5.99% p.a. for free.
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Why this matters
RCBC Savings Bank has long been a popular choice for Filipino homebuyers, but many borrowers who took out their home loans several years ago are still locked into rates of 8% or higher. With the best refinance rates now available at 5.99% p.a. through Nook, switching your loan could mean thousands of pesos back in your pocket every single month — without paying a single centavo in broker fees. If you want to understand the full picture before making a move, our RCBC Housing Loan Refinance guide walks you through every step of the process.
Refinancing an RCBC Savings Bank home loan through Nook means your application is assessed across multiple partner banks simultaneously, so you get the most competitive offer available without doing the legwork yourself. RCBC (Rizal Commercial Banking Corporation) is itself one of Nook's partner banks, offering a 1-year fixed rate of 7.00% and a Home Equity rate of 8.00% — making it a strong benchmark to compare against. Whether you're looking to lower your monthly repayment, shorten your loan term, or tap into your home's equity, Nook finds the deal that fits your financial goals.
Eligibility for refinancing is more accessible than many homeowners think. You'll need a minimum monthly income of around 50,000 pesos, a stable employment or business history, and a property that's already occupied or ready for occupancy. For a detailed checklist of what you'll need to prepare, see the RCBC Housing Loan Requirements 2026 — Full Eligibility Checklist. Nook's team will guide you through every document and requirement, making the process as smooth as possible. Please note that interest rates are subject to change — always verify current rates 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
Yes, you can refinance your RCBC Savings Bank home loan with any accredited lender, including Nook's partner banks. This is called a bank-to-bank refinance, and it's one of the most common ways Filipino homeowners reduce their monthly repayments. Nook compares multiple lenders on your behalf so you get the best available rate without any broker fee.
The best refinance rate currently available through Nook is 5.99% p.a., which is significantly lower than the 8% or higher that many RCBC Savings Bank borrowers are currently paying. Your actual rate will depend on your loan amount, remaining term, income, and the lender's current offerings. Rates are subject to change, so it's best to get a personalised assessment through Nook.
Typical loan approval timelines range from 30 to 60 days depending on the bank and completeness of your documents. RCBC itself has a typical approval timeline of around 49 days for refinancing applications. Nook helps speed up the process by ensuring your documents are complete and your application is matched to the most suitable lender from the start.
You'll generally need valid government-issued IDs, proof of income such as payslips or ITR, your latest loan statement from RCBC Savings Bank, and property documents including the title and tax declaration. The exact list can vary by lender and loan purpose. Nook's team will give you a personalised document checklist so you're never caught off guard.
Refinancing is generally most beneficial when you still have 10 or more years remaining on your loan, as the interest savings compound significantly over a longer period. If you have fewer years left, the closing costs and processing fees may offset the savings. Nook can run a personalised cost-benefit analysis for your specific situation so you can make an informed decision.
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