RCBC Loan Calculator

Our free RCBC loan calculator is a comprehensive tool designed to help you calculate monthly payments, loan eligibility, and repayment schedules for all types of RCBC loans in the Philippines. Whether you're planning to take out a personal loan, finance a car, purchase a home, apply for a mortgage, get a cash loan, apply for a salary loan, or manage credit card debt, this calculator provides accurate estimates based on RCBC's lending standards.

The calculator supports multiple loan types including personal loans, car loans, home loans, mortgage loans, cash loans, salary loans, and credit card loans. For personal loans, the calculator helps you understand your monthly payment obligations and total interest costs. Car loan calculations help you plan your vehicle financing with options for down payments. Home loan and mortgage calculations account for additional costs such as property tax and home insurance, giving you a complete picture of your monthly housing expenses.

RCBC Hexagon members enjoy exclusive benefits including lower interest rates, typically 0.5% to 1% lower than standard rates. The calculator automatically adjusts rates when you select the Hexagon member option, helping you see the savings you can enjoy as a Hexagon member. This feature is particularly valuable for RCBC's premium banking customers who want to maximize their loan benefits.

The salary loan calculator helps you determine how much you can borrow based on your annual income, following RCBC's lending guidelines. Cash loans provide quick access to funds for immediate needs, while credit card loan calculations help you understand the cost of credit card cash advances and balance transfers. Each loan type has specific features and requirements that the calculator takes into account.

All calculations are performed using standard Philippine lending formulas and consider factors such as loan amount, interest rate, loan term, and optional extra payments. The payment schedule shows a detailed amortization table with all monthly payments, helping you visualize how your loan balance decreases over time. You can export the payment schedule to Excel for further analysis and record-keeping, making it easy to track your loan payments and plan your finances.

This calculator is particularly useful for comparing loan options, understanding the impact of interest rates on your monthly payments, and planning your financial future. Whether you're a first-time borrower, an RCBC Hexagon member looking to maximize benefits, or someone managing multiple loan types, our RCBC loan calculator provides the insights you need to make confident financial decisions. The tool follows BSP guidelines and RCBC banking standards for loan calculations, ensuring accuracy and compliance with Philippine financial regulations.

The calculator is designed for the Philippine market and uses Philippine Peso (PHP) currency formatting. It supports various loan scenarios including regular loans and loans for RCBC Hexagon members, who benefit from preferential rates and terms. The Excel export feature allows you to save your payment schedule for offline reference and financial planning purposes. Whether you're using the RCBC mobile app or planning your loan application, this calculator helps you make informed decisions about your borrowing needs.