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Home Loan
Call RCBC Savings Bank for your housing loan needs. For a minimum loan amount of P300,000.00 you can avail up to 80% of the appraised value of your property. If you are employed, self-employed or a professional overseas worker, we'll give you top-notch advice on where to buy your property and provide you with the best option to pay your amortization.

Sign an Automatic Debit Arrangement (ADA) from your RCBC Savings Bank savings or checking account so you need not to go to the bank each time you pay your monthly amortization.

Whether acquisition, renovation, refinancing, or take-out of your loan from another bank, we've got your house, condominium, or townhouse covered with fire insurance from Malayan Insurance Co., Inc.


· Purchase of lot, house & lot, condominium unit or townhouse
· Takeout of existing housing loan
· Renovation of existing home
· House Construction
· Reimbursement/Refinancing

Eligible Borrowers
· At least 21 years old upon loan application
· At most 65 years old upon loan maturity
· Filipino citizen or former Filipino citizen eligible under BP 185 guidelines; foreign nationals holding immigrant visa or married to a filipino are eligible if purchasing a unit covered by CCT
· Permanently employed for at least one year; 2 years if OFW
· If self-employed, business must be at least 2 years in profitable operations

Home Financing Features
· Minimum loan amount - P300,000
· Maximum loan amount - subject to borrower's paying capacity
· Interest Rate - Prevailing rate at the time of loan release
· Loan Valuation - Up to 70% of appraised value of vacant lots or of total contract price
   - Up to 80 % of appraised value for house and lot, townhouses, and condominium units
   - Up to 80% of total contract price for RSB-accredited house and lot/ townhouses
· Collateral - Registered 1st Real Estate Mortgage on property
· Property located nationwide within service areas of RCBC & RSB branches
· Minimum floor area of 50 sq.m. for land with improvement and 25 sq.m for condominiums
· Insurance - Mortgage Redemption Insurance with Sun Life Grepa Financial
· Fire Insurance with Malayan Insurance Company
· Repayment Mode - Opening of a checking or savings account for the payment of monthly amortization
· Repayment Terms - Equal monthly amortization representing principal and interest

The MyHome Budgeter Loan is ideal for existing homeowners who want to lighten their debt burden by borrowing against the value of their home to pay-off and/or consolidate financial obligations and consumption-related expenses, e.g. tuition, travel, hospitalization, etc.

The Home Budgeter Plus is ideal for existing homeowners who want to lighten their debt burden by borrowing against the value of any real estate property registered under their name. It is a multipurpose loan which can be used to pay-off and/or consolidate financial obligations and consumption-related expenses, eg. tuition, travel, hospitalization, etc.

    · Accomplished Application Form
    · Certificate of Employment and Compensation
    · Valid Government IDs
    · TIN
    · Residence Certificate
    · Photocopies: TCT, Tax Declaration, Tax Receipt, Tax Clearance
    · Location plan/vicinity map of property
    · Building Plans/Bill of Materials (for construction)
    · Statement of Account (for take-out of existing housing loan)
    · Accomplished Application Form
    · Copy of last 2 years ITR
    · Latest 2 years Financial Statements
    · Business Registration/Permits
    · Bank Statements - 6 months
    · List of Suppliers and Customers
    · Company Profile, Property Documents

For more details, please call:
RSB Customer Care

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