RCBC 65th Anniversary Home Loan Offer

Promo Duration: October 10, 2025 to December 31, 2025

 

Promo Offers

1. Special rate of 6.5% fixed for 1-5 years

For clients sourced by partner developers, RCBC branches, and internal partners for:

    • Projects of Tier 1–2 developers
    • Secondary market properties

2. Special rate of 7% fixed for 1-5 years

For clients sourced by partner developers, RCBC branches, and internal partners for:

    • Projects of Tier 3–4 developers

3. Waived one-time appraisal fee.

4. Waived bank charges of up to Php 65,000

5. 0% monthly interest on fire insurance.

6. Complimentary RCBC credit card 

 

Promo Mechanics

  1. The Promo is open to all home loan applications sourced and submitted at any RCBC branches, partner developers, and clients sourced by RCBC’s internal partners.
  2. The Promo will run from October 10 to December 31, 2025 (“Promo Period”).
  3. Applications received within the Promo Period, and approved and booked on or before February 28, 2026, shall be eligible for the Promo.
  4. The Promo is applicable to Home Loan and Home Loan Plus for the acquisition of residential property.
  5. Special rate of 6.5% fixed for 1-5 years

    For clients sourced by partner developers, RCBC branches, and internal partners for:

    • Projects of Tier 1–2 developers
    • Secondary market properties

6. Special rate of 7% fixed for 1-5 years 

For clients sourced by partner developers, RCBC branches, and internal partners for:

    • Projects of Tier 3–4 developers

7. 0% monthly installment on insurance when availing of Home Loan Plus.

 

8. Waived bank charges of up to Php 65,000.

Note: Php 6,500 for every 1M loan amount (for wealth and Hexagon Club members only). No pre-payment shall be made under this offer; otherwise, the fee waiver shall be forfeited. 

 

9. Complimentary RCBC credit card
Note: Issuance is subject to RCBC Credit Cards’ evaluation, approval and processing time.

 

10. The minimum loan amount is Php2,000,000.

 

11. The minimum loan term is 10 years.

 

General Provisions

1. All loan applications qualified under the promo shall be subject to RCBC’s credit evaluation, relevant terms and conditions, and standard policies and procedures.

2. RCBC, its subsidiaries, affiliates, advertising agencies, print suppliers, including their respective Board of Directors and Advisory Board Members, officers, employees, and their relatives up to second degree of consanguinity or affinity are not qualified for this promo.

3. This Promo is not valid in conjunction with other promotions carried out by RCBC.

4. By joining the promo, qualified clients authorize RCBC to disclose, and publish their names, photos and other particulars as determined by RCBC to any person/s and in any mode or manner, as RCBC may deem appropriate in relation to this Promo. RCBC shall not be liable for violation of customer data privacy and/or bank secrecy law as a result of said disclosure or publication.

5. In case of dispute, RCBC’s decision, made in concurrence with DTI, regarding this promo will be deemed final and non-negotiable.

6. Standard terms and conditions apply.

 
 

Customer Support

For inquiries and comments, please contact RCBC Loans Customer Care: 

loan_customercare@rcbc.com

(02) 8877-7222

 

Per DTI Fair Trade Permit No. FTEB -239411 Series of 2025

Frequently Asked Questions (FAQs)

 

1. What is  the special rate for this 65th Anniversary offer? 

a. Special rate of 6.5% fixed for 1-5 years

For clients sourced by partner developers, RCBC branches, and internal partners for:

    • Projects of Tier 1–2 developers
    • Secondary market properties

b. Special rate of 7% fixed for 1-5 years

For clients sourced by partner developers, RCBC branches, and internal partners for:

    • Projects of Tier 3–4 developers

 

2. What is the maximum loan term for a Home Loan? 

  • With RCBC, we can customize your payment plan for up to 30 years, depending on your lifestyle. 

 

3. For what purpose/s can I use my RCBC Home Loan?

  • For acquisition of residential property

 

4. What are the features of this promo?

  • For this program, we are offering: 
    • Waived one-time appraisal fee 
    • Waved bank charges of Php 6,500 for every Php 1,000,000 (for Wealth clients and Hexagon Club members only) 
    • 0% monthly interest on fire insurance. 
    • RCBC credit card subject to approval 

 

5. How much can I borrow? 

  • You can borrow up to 80% of the appraised value of the property, but this will be subject to RCBC’s credit evaluation. 

 

6. What is the minimum loan amount for this promo? 

  • The minimum loan amount is Php 2,000,000. 

 

7. What are the requirements for a Home Loan?

  • Completely filled-out application form 
  • 1 valid government-issued ID 

If locally employed: 

  • Certificate of Employment and Compensation
  • Payslips (Latest 3 months) 
  • Latest Income Tax Return (ITR)

If self-employed: 

  • Business registrations such as local permits, DTI, SEC and GIS
  • Audited financial statements and ITR for the last 2 years 
  • Bank Statements (Latest 3 months) 
  • List of suppliers and customers with contact numbers 

If OFW: 

  • Notarized/Consularized Special Power of Attorney (SPA) once approved
  • 1 valid government-issued ID of Attorney-in-Fact (AIF)
  • Latest Certificate of Employment with Compensation or Certificate of Contract of Employment registered with POEA or Seaman’s Certificate.
  • Proof of Remittances (Latest 3 months) 

 

8. How do I apply? 

  • You can apply through any RCBC branch nationwide or via the RCBC website. You may also reach out to your Relationship Manager or Home Loan Account Officer.

Interested?

Request a call from our team by filling out the form below.

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