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Your dream home starts here!

Apply now and move one step closer to your dream home!

  • Regular-Home-Loan-1

    Regular Home Loan

    Acquire a house and lot or a condominium

    What you’re in for:

      • Minimum Loan Amount PHP 1,000,000
      • Downpayment 20%
      • Fixing Option 1 - 20 years
      • Loan Period 1 - 20 years
    Apply Online

    or

    Customize Your Own Loan
  • Home-Loan-Plus-1

    Home Loan Plus

    Build or renovate your home

    What you’re in for:

      • Minimum Loan Amount PHP 300,000
      • Downpayment 20%
      • Fixing Option 1 - 20 years
      • Loan Period 1 - 20 years
    Apply Online

    or

    Customize Your Own Loan

Make the Most of Home Loans with RCBC

A home loan in the Philippines isn't just for buying new properties. It's a versatile financial tool for:

  • Purchasing your dream house or condominium
  • Refinancing existing home loans for better rates
  • Constructing your ideal home from the ground up
  • Renovating or expanding your current living space
  • Reimbursing recent property purchases to free up cash

Each of these applications is specifically crafted to enhance homeownership, making it more attainable
and customized to suit your individual requirements.

Who are eligible to apply?

  • Filipino Citizen or Dual Citizen
  • If foreigner, must be married to a Filipino citizen
  • At least 21 years old upon loan application
  • At most 65 years old upon loan maturity
  • Must have a mobile number and a residence or office landline
  • With a minimum employment tenure of 1 year and minimum gross monthly income of Php40,000
  • If OFW, must have worked abroad for at least 2 consecutive years
  • Filipino Citizen or Dual 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
  • Must have a mobile number and a residence or office landline
  • Business must be in profitable operations for the past 2 years

Choose which home loan best fits your needs:

Choose your loan purpose:

What you’re in for:

Minimum Loan Amount

PHP

Down Payment

20%

Fixing Option

1 - 20 years

Load Period

1 - 20 years

Choose your loan type:

Calculate your loan

Selling Price (PHP)
Down Payment
Fixing Option
Year
Loan Period
Year

Your loan details:

Regular Home Loan:

Total Loan Amount

PHP 800,000

Down Payment

PHP 200,000

Interest Rate

7.50%

Monthly Payment

PHP 69,221.40

Ready to own a home?

Apply Online
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Frequently Asked Questions (FAQs)

A home loan from a bank is a financial product that helps you purchase, construct, renovate, or refinance a residential property by borrowing money, which you then pay back with interest over a predetermined period.

  • Accomplished RCBC Home Loan Application Form
  • Copy of TCT and Tax Declaration (Land & Improvement)
  • Bill of Materials (Construction)
  • For Employed applicants: Certificate of Employment  (COE) or latest ITR, 2 valid government-issued IDs, TIN, Utility bill
  • For Self-employed applicants: Business Registration with DTI, Audited Financial Statements, ITR or bank statements

View Terms and Conditions