Promo Period

The RCBC Chinese New Year 2024 promotion (the Promo) is open to new and existing depositors who will apply for and avail of the RCBC Auto and Home Loans from February 1 to 29, 2024 (the ”Promo Period”).

Applications must be submitted within the Promo Period, even if subsequently approved and availed of thereafter but in no case later than April 30, 2024 for Auto loan and May 30, 2024 for Home loan (the “Availment Period”).



Open to all new-to-bank and existing depositors


Auto Loans

  1. Loan purpose must be purchase of brand new private and personal vehicles only.
  2. The promo offers is applicable to regular Auto loan and Auto Loan Plus only.
  3. The promo has a minimum loan amount of Php500,000.
  4. The required down payment for a unit shall be as low as twenty percent (20%) of the unit suggested retail price (SRP), as quoted by the dealer.
  5. Applicable special add-on interest rates shall be as follows:


Add-on Rates

12 mos


18 mos


24 mos


36 mos



  1. Free 1-yr worth of car insurance for 36 mos loan term only.
  2. Qualified customers shall be entitled to a Free chattel mortgage.

Note: Document stamp fees shall be shouldered by the customer

  1. Free up to Php5,000 gas voucher for Hexagon Club Members only.


Home Loans

  1. Minimum loan amount shall be Php1.0M.
  1. Applicable interest rates shall be as follows:


Prevailing Rates

1-3 Yr Fix


5 Yr Fix



  1. Qualified customers will be entitled to a discount of up to P60,000 on bank charges.

      Note: P6,000 fee waiver per every P1M loan amount

Loan Amount

Fee Waiver Amount







General Provisions

  1. All loan applications qualified under the Promo shall be processed under the standard evaluation and approval process of RCBC, subject to relevant terms and conditions as well as RCBC’s policies and procedures.
  2. RCBC, its subsidiaries, affiliates, the advertising agencies and print suppliers, including their respective Board of Directors and Advisory Board Members, officers, and employees, and their relatives up to second (2nd) degree of consanguinity and affinity are not qualified for this Promo.
  3. This Promo is not valid in conjunction with other promotions carried out by RCBC.
  4. 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.


Terms and conditions apply.


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