Promo Offers

  • 8% interest rate fixed for 5 years

 

Promo Mechanics

  1. The promo is open to those who receive the special offer via email or viber.
  2. The promo is valid from September 15, 2025 to August 31, 2026 (“Promo Period”).
  3. Applications received within the Promo Period, and approved and booked on or before August 31, 2026 are eligible.
  4. The promo is applicable to house & lot and condominium units only. 
  5. The minimum loan amount is Php 1,000,000.

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 cannot be availed in conjunction with other promotions or offers of RCBC Auto Loan and/or Nissan Philippines, Inc.
  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 -235959 Series of 2025

Frequently Asked Questions (FAQs)

Who is eligible for Home Loan Switch?
The program is open to select existing Vista clients.

What are the requirements for existing Vista clients to be eligible?
Eligible clients must have in-house accounts with Vista for at least 5 years. Their existing collateral must be 20% paid at the point of application, and they should have no history of 31 days past due in the last 6 months.

What are the terms for in-house loans to be eligible?
In-house loan terms should be 15 years with an average interest rate of 12% to 15%.

What types of properties are covered by this promo?
The promo is applicable to house & lot and condominium units only.

What is the applicable interest rate for home loans under this promo?
The applicable interest rate is 8% fixed for 5 years.

What is the minimum loan amount required?
The minimum loan amount is Php1,000,000 outstanding balance.

Is this promo transferable?
No, the promo is non-transferable.

What documents are required to apply for Home Loan Switch?
Required documents include the Contract-to-sell, Payment ledger, Statement of account, Buyer’s information sheet, and Government issued IDs.

What are the conditions for the collateral?
The collateral should be the primary home and occupied by the borrower or by family members.

Is an inspection required for the property?
Yes, a certification/authorization from Vista Land for actual inspection of qualified units/projects is required.

 

Interested?

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

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