Comparing RCBC vs Metrobank refinance rates for 2026? RCBC's verified 1-year fixed rate of 7.00% p.a. through Nook could save you significantly — and our service is 100% free.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
If you're weighing up RCBC vs Metrobank for home loan refinancing in 2026, you're asking the right question — but the answer matters a lot to your monthly budget. Metrobank is a well-established lender with competitive housing loan products, but its rates are not publicly verified through Nook and typically range between 7% and 10% depending on the fixed-rate period, your loan amount, and creditworthiness. Rates shown for Metrobank are approximate, based on publicly available information, and are subject to change without notice. Always contact Metrobank directly to confirm current promotional offers before making a decision. For a broader look at how these two lenders stack up on housing terms overall, see our RCBC vs Metrobank housing loan rates comparison for 2026.
RCBC, on the other hand, is a verified Nook partner bank — which means the rates you see here are confirmed and current. RCBC's 1-year fixed rate stands at 7.00% p.a., with a home equity option at 8.00% p.a. RCBC accepts borrowers across employment types including private employees, OFWs, seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of ₱50,000. Typical approval takes around 49 days, and RCBC supports loan purposes including refinancing, reselling, home equity, pre-selling, and RFO properties. When you apply through Nook, you get free access to our broker service — no fees, no markups, just better rates handled for you.
The smartest move isn't necessarily choosing between RCBC and Metrobank alone — it's letting Nook compare both (and more) on your behalf. As the Philippines' first digital mortgage broker, Nook gives you verified rates from multiple partner banks side by side, so you can make an informed decision without calling each lender individually. Whether you're currently with Metrobank and looking to refinance, or simply exploring your options, Nook streamlines the entire process. Check out our RCBC housing loan requirements and application guide to understand what documents and qualifications you'll need to get started. Note that all interest rates are subject to change — always verify current rates with your chosen lender or through Nook before applying.
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 verified 1-year fixed refinance rate through Nook is 7.00% p.a. as of 2026. Metrobank's refinance rates are not publicly verified through Nook, but generally range between 7% and 10% depending on your loan profile and chosen fixed-rate period — contact Metrobank directly for their latest promotional rates.
Yes, Nook's mortgage broker service is completely free to borrowers. Nook earns a referral fee from the bank upon loan approval, so there is no cost to you for comparing rates, getting advice, or having your application managed through the platform.
Yes, RCBC accepts refinancing applications from borrowers with existing home loans at other banks, including Metrobank. Through Nook, you can apply directly to RCBC for refinancing and potentially reduce your monthly repayments if RCBC's rate is lower than what you're currently paying.
RCBC requires a minimum monthly income of ₱50,000 and a maximum debt-to-income ratio of 30%. They accept private employees, OFWs, seafarers, self-employed individuals, and licensed professionals. Typical approval takes around 49 days from complete submission of documents.
The best bank depends on your current rate, loan balance, remaining term, and personal financial profile. Nook lets you compare verified rates from RCBC and other partner banks in one place, helping you calculate your exact monthly savings before committing. Start a free comparison on Nook to see which option works best for you.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →