About RCBC
RCBC lists housing finance. Compare the initial fixing period, repricing terms and property-related charges.
Loans and services
This page covers Home Loan. You can also compare these RCBC offers.
How to repay
For RCBC Home Loan, use the payment instructions issued with your agreement. Confirm the receiving biller or account, loan reference and posting time with RCBC before sending money. After paying, reconcile the receipt against this loan’s balance.
If you cannot repay on time
For your RCBC Home Loan, prepare a household budget and ask the mortgage servicing team about a revised payment schedule before arrears grow. Request the effect on interest, the final maturity date and property-related charges in writing. Selling the property or surrendering it does not automatically clear the balance.
Loan details
- Loan product
- Home Loan
- Loan type
- Housing loans
- Provider / channel
- Bank
- Published amount
- From ₱300,000
- Repayment period
- 1–20 years, multipurpose option differs
- Rate disclosure
- Individual quote: Rate and fees depend on your offer
- Access condition
- Open application
- Published income threshold
- employed: ₱40,000/month
- Pricing coverage
- Quote required
Requirements & eligibility
Eligibility
- Age 21+ at application, no older than 70 at maturity. Filipino/dual citizen, foreign applicants must be married to a Filipino.
- Employees: two years employment and ₱40,000 gross monthly income. OFWs: two consecutive years abroad. Business: two profitable years.
Documents to prepare
- Application, property title and tax declaration, construction needs a bill of materials. Income, identification and business records depend on applicant type.
Amount conditions: ₱300,000 is the build/renovate minimum. Purchase minimum is ₱1 million, the broad category filter cannot distinguish the purpose.
Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.
Full fees and repayment schedule are not yet recorded. Request a written quote from RCBC.