Promo Duration: November 24, 2025 to April 30, 2026

Promo Offers

• Flexible monthly amortization for as low as Php 6,700 (based on a minimum loan amount of Php1M for 25 years) 
• Flexible loan term of up to 30 years

Promo Mechanics

1. 1. The promo is open to new and existing depositors.
   2. The promo is valid from November 24, 2025 to April 30, 2026 (“Promo Period”).
   3. Loan purpose must be for the acquisition of residential property.
   4. The loan amount shall be based on the developer's approved maximum loan limit or up to 80% of the property's appraised value for secondary market.
   5. The required down payment is calculated based on the developer's requirement or the amount determined using the property's appraised value.
   6. The residual value (10% or 20% of the loan amount, for loans under P20M) can be paid in one of two ways: either a lump sum payment or refinancing for up to five years.
   7. The minimum loan amount for this program is Php1M. For loan amounts exceeding Php20M, the residual value shall be capped at a maximum of 10% of the total loan amount.

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 -242333 Series of 2025