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What Your Home Loan Can Do For You
- Get up to 80% of the appraised value of your property
- Protect your investment with special insurance packages from Malayan Insurance Co.
- Hassle-free payments with the Automatic Debit Arrangement

Home Loan Take-out
- Maximum Loan Amount Up to 80% of the appraised value
- Minimum Loan Amount Php 300,000 Payment Terms
- Flexible Payment Terms from 1 to 20 years
- Collateral Registered first Real Estate Mortgage on property

Who can borrow - Filipino or dual Filipino citizen
- If foreigner, must be married to a Filipino citizen
- At least 21 years old upon loan application
- At most 70 years old upon loan maturity
- Permanently employed for at least 1 year
- If self-employed, business must be in profitable operation for at least 2 years

BEGINNER’S GUIDE

Owning a home is something Filipinos dream about but are understandably discouraged by the price tag that comes with it. But, there is a way to purchase your dream home without stressing yourself to pay it in full… home loans!

Through a home loan, payments are spread out every month in affordable amounts. This article guides you on how an RCBC home loan can get you the home you deserve.

What is the RCBC Home Loan?

Through RCBC’s home loan, borrowers can purchase a house and lot, vacant lot, townhouse, condominium unit, or build their home from scratch. Borrowers may also refinance or renovate their homes.

What Makes the RCBC Home Loan Unique?

Quick Approval Times

RCBC guarantees that borrowers who submit complete requirements will get their home loan approved in just 3 days. Get a home loan starting from P300,000. Let us take part in achieving your personal milestones. Whatever your priorities are, we will help you make it happen. As your financial partner in this journey, we've got your back. Take that first step with us today.

Fire Insurance Coverage

RCBC allows borrowers to upgrade from a Regular Home Loan to the Home Loan Plus package. The Home Loan Plus package is inclusive of fire insurance coverage at 0% interest rate and can be paid throughout the duration of your loan. To avail, borrowers must take out a minimum loan of 1 million pesos which can only be used for the purchase of a house and lot, townhouse, and condominium.

What Are the RCBC Home Loan Terms?

RCBC requires a minimum of 1 million pesos to be borrowed for the purchase of a house and lot, vacant lot, townhouse, or condominium unit. Borrowers don’t have to feel overwhelmed by this amount because the RCBC home loan gives you a maximum 20 years to pay this back! Additionally, you can borrow up to 80% of the property’s appraised value.

How Much is the Interest Rate?

As Nook’s official partner, RCBC offers interest rate discounts specifically for Nook’s clients. The best part is, Nook’s services are all for free!

By getting help from Nook, you save a lot of time while experiencing a hassle-free home loan application process. Book a free consultation with our home loan experts for more detailed consultation.

Am I Eligible for the RCBC Home Loan?

Borrowers are eligible for the RCBC home loan if they meet the following criteria:
At least 21 years old
At most, 65 years old if employed and 70 years old if self-employed
Filipino or dual Filipino Citizenship
Foreign nationals (must be married to a Filipino citizen)

Locally Employed
Permanently employed for at least 1 year
Must have a mobile number and a residence or office landline

Self-Employed
Profitable operations for the past 2 years
Must have a mobile number and a residence or office landline

OFW
Worked abroad for 2 consecutive years

If you want to learn more, book a free consultation with our friendly home loan experts.

What Are the Requirements of the RCBC Home Loan?

Borrowers must submit 3 types of documents:

General Documents:

These are the following
Accomplished RCBC home loan application form
Valid ID (Passport, UMID, Drivers License, PIC)
Marriage contract (if married) or birth certificate (if single)

Income Documents:

Additional requirements may be needed depending on your employment classification:

If Locally Employed
Original Certificate of Employment with compensation
Latest Income Tax Return (ITR)
Company ID

If OFW
Notarized/Consularized Special Power of Attorney (SPA)
2 valid government-issued IDs of Attorney-in-Fact (AIF)
Latest Certificate of Employment and Compensation or Certificate of Contract of Employment registered with POEA
Seaman’s Certificate (if applicable)
Proof of remittance for the past 3 years

If Self Employed
Business registration with DTI
Audited financial statements and Income Tax Returns (ITR)
List of suppliers and customers

Collateral Documents:

These are the following
Photocopy of title
Lot plan with vicinity map
Photocopy of tax declaration

How Do I Apply for an RCBC Home Loan?

While applying directly to the bank is possible, this is often stressful and time-consuming because of the amount of paperwork you’ll have to submit by yourself. With Nook’s help, we’ll handle the entire process for you and even coordinate with the bank! Our home loan experts keep you updated about the progress of your application, saving you the trouble of having to follow up with the bank. Nook’s services are completely free of charge because… it's the banks who pay us a commission to work for them.

With a home loan, you’ll be able to live in the dream home you’ve always wanted for yourself or for your family. Best of all, you won’t have to wait years to save up for it but can buy your future home much earlier.

Check whether the RCBC home loan is a good match for you by using Nook’s pre-qualification tool below.

3-Minute Pre-Qualification Tool

BEGINNER’S GUIDE

What is the RCBC Home Loan?

Through RCBC’s home loan, borrowers can purchase a house and lot, vacant lot, townhouse, condominium unit, or build their home from scratch. Borrowers may also refinance or renovate their homes.

What Makes the RCBC Home Loan Unique?

What Are the RCBC Home Loan Terms?

Am I Eligible for the RCBC Home Loan?

Borrowers are eligible for the RCBC home loan if they meet the following criteria:
● At least 21 years old
● At most, 65 years old if employed and 70 years old if self-employed
● Filipino or dual Filipino Citizenship
● Foreign nationals (must be married to a Filipino citizen)

Locally Employed
● Permanently employed for at least 1 year
● Must have a mobile number and a residence or office landline

OFW
● Worked abroad for 2 consecutive years

Self-Employed
● Profitable operations for the past 2 years
● Must have a mobile number and a residence or office landline

What Are the Requirements of the RCBC Home Loan?

General Documents:
● Accomplished RCBC home loan application form
● Valid ID (Passport, UMID, Drivers License, PIC)
● Marriage contract (if married) or birth certificate (if single)

Income Documents: (Additional requirements may be needed depending on your employment classification)
If Locally Employed
● Original Certificate of Employment with compensation
● Latest Income Tax Return (ITR)
● Compay ID

Self-Employed
● Business registration with DTI
● Audited financial statements and Income Tax Returns (ITR)
● List of suppliers and customers

If OFW
● Notarized/Consularized Special Power of Attorney (SPA)
● 2 valid government-issued IDs of Attorney-in-Fact (AIF)
● Latest Certificate of Employment and Compensation or Certificate of Contract of Employment registered with POEA
● Seaman’s Certificate (if applicable)
● Proof of remittance for the past 3 years

Collateral documents:
● Photocopy of title
● Lot plan with vicinity map
● Photocopy of tax declaration

How Much is the Interest Rate?

As Nook’s official partner, RCBC offers interest rate discounts specifically for Nook’s clients. The best part is, Nook’s services are all for free! By getting help from Nook, you save a lot of time while experiencing a hassle-free home loan application process. Book a free consultation with our home loan experts for more detailed consultation.

How Do I Apply for a RCBC Home Loan?

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Rizal Commercial Banking Corporation

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RCBC Home Loans

What is the RCBC Home Loan?

What Makes the RCBC Home Loan Unique?

Quick Approval Times

Fire Insurance Coverage

What Are the RCBC Home Loan Terms?

How Much is the Interest Rate?

Am I Eligible for the RCBC Home Loan?

What Are the Requirements of the RCBC Home Loan?

General Documents:

Income Documents:

Collateral Documents:

How Do I Apply for an RCBC Home Loan?

RCBC Home Loans

What is the RCBC Home Loan?

What Makes the RCBC Home Loan Unique?

#1 Quick Approval Times

#2 Fire Insurance Coverage

What Are the RCBC Home Loan Terms?

Am I Eligible for the RCBC Home Loan?

What Are the Requirements of the RCBC Home Loan?

How Much is the Interest Rate?

How Do I Apply for a RCBC Home Loan?

Need help deciding which is right for you? Talk to an expert

Need help deciding which is right for you? Talk to an expert

Welcome to the future of loans

Welcome to the future of loans

Need help deciding which is right for you?
Talk to an expert