RCBC Mortgage Rates Guide | Fixed Periods, Repricing & Planning

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Borrowers often ask about interest structure, minimum loan amount, and required documents. Use the FAQ page on this site for quick answers and planning tips.

How fixed periods work

Many RCBC home loans offer a fixed interest rate for an initial period (for example, five years). After the fixed period ends, the next period is recalculated using the then-current rate, so it is important to plan for possible changes. What affects repricing

Repricing can reflect market rates, your remaining balance, and the remaining term. Ask for a sample amortization schedule and compare scenarios so you know how your payment could shift.

Planning tips

Consider building a buffer for rate changes, choosing a term that matches your cash flow, and making extra payments when allowed to reduce total interest over time.

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Loan terms up to 20 years

Enjoy flexible repayment planning with longer terms when qualified, and review repricing schedules so you can anticipate changes after the fixed period.

Online application You can start a home loan application online and prepare your checklist early to keep verification and appraisal steps smooth.

Common questions

Borrowers often ask about interest structure, minimum loan amount, and required documents. Use the FAQ page on this site for quick answers and planning tips.

How fixed periods work

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What affects repricing

Repricing can reflect market rates, your remaining balance, and the remaining term. Ask for a sample amortization schedule and compare scenarios so you know how your payment could shift. Planning tips

Consider building a buffer for rate changes, choosing a term that matches your cash flow, and making extra payments when allowed to reduce total interest over time.

Loan terms up to 20 years

Enjoy flexible repayment planning with longer terms when qualified, and review repricing schedules so you can anticipate changes after the fixed period.

Common questions

Many RCBC home loans offer a fixed interest rate for an initial period (for example, five years). After the fixed period ends, the next period is recalculated using the then-current rate, so it is important to plan for possible changes..

You can start a home loan application online and prepare your checklist early to keep verification and appraisal steps smooth.

Many RCBC home loans offer a fixed interest rate for an initial period (for example, five years). After the fixed period ends, the next period is recalculated using the then-current rate, so it is important to plan for possible changes.

Consider building a buffer for rate changes, choosing a term that matches your cash flow, and making extra payments when allowed to reduce total interest over time.

Common questions

Repricing can reflect market rates, your remaining balance, and the remaining term. Ask for a sample amortization schedule and compare scenarios so you know how your payment could shift.

Common questions

Consider building a buffer for rate changes, choosing a term that matches your cash flow, and making extra payments when allowed to reduce total interest over time.

Common questions

Consider building a buffer for rate changes, choosing a term that matches your cash flow, and making extra payments when allowed to reduce total interest over time.