Home Loans

BUILT FOR LIFE

Your Dream Home Starts Here!

Planning to buy a property or renovate your current one? We offer flexible financing options to match your needs. Use our housing loan calculator, check the RCBC home loan requirements, or explore a home improvement loan to start your project.

Recognized in 2025 by Global Business Review as Best in Customer Service and Euromoney as the Best Bank for Digital, RCBC ensures a smooth and rewarding home loan experience from application to move-in day. Apply now and move one step closer to your dream home!

Regular Home Loan

Acquire a house and lot or a condominium
Apply Online

Customize Your Own Loan
Home Loan Plus

Build or renovate your home
Apply Online

Customize Your Own Loan

Employed

Self-Employed

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
With a minimum employment tenure of 1 year
If OFW, must have worked abroad for at least 2 consecutive years
Minimum loan amount of Php 1million for acquisition of house and lot, vacant lot, condominium unit, or townhouse
Minimum loan amount of Php 500,000 for multi-purpose, and Php 300,000 for other purposes

Let’s get started

Choose which home loan best fits your needs:

RCBC makes getting a home loan in the Philippines simpler and more flexible. Enjoy competitive interest rates, loan terms of up to 30 years, and the ability to customize your financing based on your goals.

Apply online and get closer to your dream home with confidence. Plus, RCBC guides you with clear terms and dedicated support to help you avoid late home loan payments.

Choose your loan purpose:

Acquisition of residential property

Construction/Renovation/Expansion

Multi-purpose financing

Loan take-out

Reimbursement

What you’re in for:

Minimum Loan Amount

PHP

Down Payment

20%

Fixing Option

1 - 30 years

Load Period

1 - 30 years

Minimum Loan Amount

PHP 1,000,000

Down Payment

30%

Fixing Option

1 - 30 years

Load Period

1 - 30 years

Minimum Loan Amount

PHP 1,000,000

Down Payment

20%

Fixing Option

1 - 30 years

Load Period

1 - 30 years

Minimum Loan Amount

PHP 300,000

Down Payment

20%

Fixing Option

1 - 30 years

Load Period

1 - 30 years

Minimum Loan Amount

PHP 500,000

Down Payment

20%

Fixing Option

1 - 10 years

Load Period

1 - 10 years

Choose your loan type:

Low monthly amortization?

Worry free insurance coverage with your entire loan term?

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

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