Get the real comparison between UnionBank and RCBC home loan rates. Find better options through Nook's free refinancing service.
POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Both UnionBank and RCBC offer competitive home loan products, but their rates can vary significantly based on your profile and loan amount. UnionBank typically offers rates starting from 7.5% while RCBC's rates begin around 8.0%, though both banks may quote higher rates depending on your creditworthiness and loan-to-value ratio.
Rather than limiting yourself to just these two options, Nook helps you compare rates from over 15 Philippine banks simultaneously. Many of our clients who were considering UnionBank or RCBC refinancing discovered even better rates with other lenders, often saving thousands monthly on their mortgage payments.
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
Both banks offer competitive rates, but UnionBank typically has slightly lower starting rates around 7.5% compared to RCBC's 8.0%. However, your actual rate depends on factors like credit score, income, and loan amount, so it's worth comparing personalized quotes from both.
Yes, you can refinance your existing home loan from UnionBank to RCBC or the other way around if you find better terms. Nook can help you compare both options plus rates from 13+ other banks to ensure you get the best possible deal.
Both banks require similar documents: income proof, bank statements, property documents, and valid IDs. UnionBank typically processes applications within 2-3 weeks while RCBC takes 3-4 weeks, though timeline can vary based on loan complexity and completeness of documents.
Most Philippine banks including UnionBank and RCBC charge prepayment penalties for early settlement, typically 1-5% of outstanding balance. However, the long-term savings from a lower rate often outweigh these one-time costs, especially for larger loan amounts.
Nook provides free rate comparison across 15+ banks including UnionBank and RCBC, showing you personalized quotes based on your actual loan profile. We handle the entire refinancing process at no cost to you, ensuring you get the best available rate in the market.
Check your exact savings in 60 seconds. It's free and takes no commitment.
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