Corporate Address:
18/F Philippine Stock Exchange Centre, West Tower, Exchange Road, Ortigas center, Pasig City

RCBC Customer Contact Center: or
+632 555-8RSB (555-8772)


Brief history

RCBC Savings Bank is a wholly owned subsidiary of one of the country's top universal banks, Rizal Commercial Banking Corporation (RCBC). RCBC Savings Bank was incorporated on the 15th day of January, 1996 to provide retail banking services to its target clientele and serve as the consumer and retail banking arm of RCBC.

RCBC Savings Bank formally started its thrift banking operations on the 27th day of February, 1996. It grew extensively in just over a year, from a lean one-branch organization with a seven-man skeletal force to an institution with a network of six branches supported by 106 full-time personnel in 1997.

In September 1998, RCBC Savings Bank acquired selected assets and assumed deposit liabilities of Capitol Development Bank. As a result of the strategic alliance, the Bank further widened the reach of its branch network and became the 2nd largest thrift bank in the country with 132 branches.

To boost the Bank’s growth and support the direction to further advance its move to redefine its position in the Thrift Bank industry, shareholders of the Bank infused more capital in terms of issuance of new shares of stock in early 2004 and 2005.

RCBC Savings Bank upholds its direction to rationalize and expand their business center network, along with RCBC, in order to utilize its branch network effectively, maximize its reach and serve a wider client base. Today, it continues to provide seasoned banking products and hone its financial capabilities to preserve the niche it has carved in the domestic banking market.

RCBC Savings Bank is a member of the Yuchengco Group of Companies (YGC), composed of major players in all three aspects of Integrated Financial Services – banking, insurance and investment. YGC’s core members include the Rizal Commercial Banking Corporation, Malayan Group of Companies, Great Pacific Life Insurance Group of Companies and House of Investments. All of which gear towards one vision – to be known as an Integrated Financial Services group of companies – its members working for the people it serves.



Call RCBC Savings Bank for your housing loan needs. For a minimum loan amount of P300,000.00 you can avail up to 70% 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

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 are eligible if purchasing a unit covered by CCT
  • Permanently employed for at least one year; 2 years if OFW
  • 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 - P10,000,000 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 for RSB-Registered condo unit
    • Up to 75 % of appraised value of lot plus up to 60% of appriaised value of house for house and lot and townhouses
    • Up to 80% of total contract price for RSB-Registered house and lot/ townhouses
    • Up to 60% of appraised value for condominium units
  • Renovation/Home Improvement up to 60% of appraised value
  • Collateral - Registered 1st Real Estate Mortgage on property
  • Property located in MM, Calabar and within service areas of RCBC & RSB branches
  • Minimum floor area of 50 sq.m.
  • Insurance - Mortgage Redemption Insurance with Grepalife
  • Fire Insurance with Malayan
  • 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 Home Starter Loan is created for First Time Homeowners with an innovative repayment feature. It comes with a grace period on amortization payments of up to 12 months to allow new homeowners to introduce home improvements before regular loan amortizations commence.


The Home 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.




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

For more details, please call:

Developer Generated Housing Loans Department


Direct Housing Loans Department


Interest rates ( subject to change without prior notice)

Rate Fixing Options Interest Rate
Fixed for 1 year 8.00 %
2 - 3 years 9.75 %
4 - 5 years 10.00 %
6 - 10 years 11.00 %
11 - 15 years 11.25 %
16 - 20 years 11.50 %

(For Registered developers)

Rate Fixing Options Interest Rate
Fixed for 1 year 5.99 %
2 - 3 years 7.50 %
4 - 5 years 8.00 %
6 - 10 years 9.50 %
11 - 15 years 10.25 %
20 years 10.50 %



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creba   CREBA
Chamber of Real Estate and Builders' Associations
oshdp   OSHDP
Organization of Socialized Housing Developers of the Philippines
shda   SHDA
Subdivision and Housing Developers Association

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