Interest Rates Comparison
*Rates are approximate and subject to change. Landbank rates based on publicly available information.
Monthly Payment Comparison
For a 5,000,000 loan over 20 years:
Save up to 1,823,760 in total interest by refinancing through Nook compared to staying with current rates.
Loan Features Comparison
UCPB Home Loans
- Loan amounts up to 80% of property value
- Terms up to 25 years
- Fixed and variable rate options
- Standard processing requirements
- Branch-based application process
Landbank Home Loans
- Government-backed lending institution
- Competitive rates for qualified borrowers
- Flexible repayment terms
- Support for various property types
- Nationwide branch network
Note: Landbank information is based on publicly available data and may not reflect current promotional rates or specific program details.
Why Choose Nook Over Direct Bank Applications
Better Rates Guaranteed
Access rates as low as 5.99% through our verified partner bank network
100% Free Service
No fees, no commissions - we're paid by the banks, not you
Expert Guidance
Dedicated loan specialists guide you through the entire process
Streamlined Process
Skip the branch visits with our digital-first approach
Not sure which bank suits you?
Nook compares offers from 15+ banks for free. See your personalised options.
Compare My Options →Frequently Asked Questions
Which bank offers better home loan rates between UCPB and Landbank?
UCPB typically offers slightly better rates (6.5-8.5%) compared to Landbank (7.5-9.5%). However, both banks' rates are generally higher than what you can get through Nook's partner banks, which start at 5.99% for qualified borrowers.
How much can I save by refinancing from UCPB or Landbank through Nook?
On a 5 million peso loan over 20 years, you could save 1.1-1.8 million pesos in total interest by refinancing to Nook's 5.99% rate instead of keeping rates between 7.5-8.5% with UCPB or Landbank.
Is Landbank a reliable option for home loans?
Yes, Landbank is a government financial institution and offers reliable home loan products. However, their rates may be higher than private banks, and you should compare with other options including RCBC alternatives to ensure you get the best deal.
What documents do I need to refinance through Nook?
Standard refinancing documents include: valid IDs, income documents (ITR, payslips, bank statements), current loan statements, property documents (title, tax declaration), and bank statements. Our team will provide a complete checklist based on your specific situation.
How long does the refinancing process take with Nook?
The typical refinancing process through Nook takes 30-45 days from application to loan release, which is often faster than applying directly with banks due to our streamlined digital process and established bank relationships.
Can I refinance if my current loan is with UCPB or Landbank?
Absolutely! Many of our clients successfully refinance from UCPB and Landbank to take advantage of lower rates with our partner banks. We handle the entire process including loan takeout and new loan setup.