Shell Residences owners in MOA are overpaying on their home loans. Refinancing to 5.99% p.a. could save you over 4,800 pesos every single month — with zero fees to you.
SHELL RESIDENCES ESTIMATED SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Shell Residences is one of SM Prime's flagship condominium developments along Manila Bay — a vibrant waterfront community in the heart of Mall of Asia Complex, Pasay City. If you purchased your unit several years ago, chances are your home loan is still locked into a rate of 8% or higher. With benchmark rates having shifted significantly, many Shell Residences owners are now eligible to refinance at substantially lower rates through Nook's panel of Philippine banks.
Refinancing a condo loan in a well-established development like Shell Residences is often straightforward. The property's strong market reputation, clear title structure, and active secondary market make it an attractive asset for banks offering competitive refinance packages. Whether you took out your original loan with BDO, BPI, Security Bank, or another lender, Nook can shop the market on your behalf and secure the best available rate — currently as low as 5.99% p.a. The process is 100% free to you as the borrower. For context on how Shell Residences rates compare to other Bay Area and Pasay properties, you may also find our guide on best home loan rates in Makati 2026 useful for benchmarking what top banks are currently offering.
Getting started takes just a few minutes. Nook handles the bank comparisons, paperwork coordination, and negotiations — so you spend less time chasing lenders and more time enjoying your waterfront lifestyle. Owners of similar premium condo developments, such as those who have refinanced at Two Serendra in BGC, have found the savings well worth the effort. Whether your remaining balance is 2 million or 6 million pesos, even a 2-point rate reduction translates into hundreds of thousands in interest savings over the life of your loan.
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, absolutely. You can refinance your Shell Residences home loan regardless of which bank originally financed your purchase — including SM-affiliated or any major Philippine bank. Nook works with a panel of competing lenders and will find you the best available rate based on your outstanding balance and credit profile.
It depends on your remaining balance and current rate, but homeowners paying 8% to 9% on a 3-million-peso loan can typically save between 2,500 and 4,500 pesos per month by switching to Nook's best available rate of 5.99% p.a. Over a 15-year remaining term, that adds up to hundreds of thousands of pesos in total interest savings.
Shell Residences units are generally eligible for refinancing with most major Philippine banks, as it is a well-established SM Prime development with clear condominium titles (CCTs). Banks view properties in the MOA Complex favorably due to the area's strong demand and established property values. Nook will confirm eligibility specific to your unit as part of the free assessment.
The refinancing process typically takes 4 to 8 weeks from application to loan release, depending on the bank and completeness of your documents. Nook streamlines this by coordinating directly with lenders on your behalf and guiding you through each document requirement so there are no unnecessary delays.
You will generally need your Condominium Certificate of Title (CCT), latest Statement of Account from your current bank, proof of income (payslips or ITR for self-employed), government-issued ID, and a copy of your current loan documents. Nook provides a personalized checklist after your initial inquiry so you know exactly what to prepare.
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