Metrobank Housing Loan Application Form 2026: What to Fill Out & How to Submit

There are three ways to obtain the Metrobank housing loan application form. First, you can download it from the official Metrobank website (metrobank.com.ph) under the Home Loan section — look for the downloadable PDF application form. Second, you can visit any Metrobank branch and request a physical copy from a customer service officer. Third, if you apply through a licensed mortgage broker like Nook, your broker can provide you with all necessary forms and help you complete them as part of the free service.

Always use the most current version of the form. Metrobank periodically updates its application forms, and submitting an outdated version can cause processing delays. The form version date is usually printed at the bottom of each page.

Note: Rates and form requirements are subject to change. Verify the latest version directly with Metrobank.

The Metrobank housing loan application form is typically divided into several main sections:

• Loan Details — loan purpose (purchase, construction, refinancing, home improvement), requested loan amount, preferred loan term, and preferred repayment structure.
• Personal Information — applicant and co-borrower details including full legal name, date of birth, civil status, nationality, TIN, SSS/GSIS number, and contact information.
• Employment and Income — employer or business details, position, length of employment or years in business, and gross monthly income.
• Property Information — property address, TCT/CCT number, lot area, floor area, and appraised or purchase value.
• Assets and Liabilities — existing loans, credit cards, and other financial obligations.
• References — two or more character or professional references.
• Declarations and Signatures — borrower certifications and signature panel.

For refinancing applications, you will also need to provide details about your current home loan, including the name of your existing lender, outstanding balance, and current monthly amortisation.

The personal information section requires the following for both the primary borrower and any co-borrower:

• Full legal name (as it appears on government-issued ID)
• Date of birth and age
• Civil status (single, married, legally separated, widowed)
• Citizenship and place of birth
• Current residential address and length of stay at that address
• Previous address if you have lived at your current address for less than two years
• Contact numbers (mobile and landline) and email address
• Tax Identification Number (TIN)
• SSS or GSIS number
• Educational attainment
• Number of dependents

If you are married, your spouse's information will also be collected even if they are not a co-borrower, as Metrobank considers household income and obligations in its credit assessment. Ensure all names match your government-issued IDs exactly to avoid verification issues.

This section varies depending on whether you are employed, self-employed, or an overseas Filipino worker (OFW).

For employed applicants: You will need to provide your employer's name, address, and contact number; your job title and employment status (regular, contractual, probationary); length of employment; and gross monthly income. If you have been with your current employer for less than two years, details of your previous employer are also required.

For self-employed applicants: You need to provide your business name, nature of business, business address, years in operation, and monthly net income from the business.

For OFWs: You will need to provide your current employer abroad, the country where you are working, your position, contract duration, and monthly income in both foreign currency and Philippine peso equivalent.

Be accurate with income figures — Metrobank will cross-reference these against your submitted income documents (ITR, payslips, or audited financial statements). Overstating income is a common reason for application rejection.

The property details section is one of the most important parts of the form, as the property serves as the collateral for your home loan. You will typically need to provide:

• Complete property address including subdivision or condominium name, if applicable
• Property type (house and lot, condominium unit, vacant lot, townhouse)
• Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) number
• Registered owner(s) of the property
• Lot area (in square metres) and floor area for house and lot or condo units
• Purchase price or appraised value
• Name of the seller or developer (for purchase transactions)
• For refinancing: current outstanding loan balance and name of existing lender

You do not need a completed appraisal report to submit the initial application — Metrobank will arrange its own appraisal as part of the loan processing. However, having a rough estimate of the property value helps determine the appropriate loan amount to request.

A completed application form alone is not sufficient. Metrobank requires a comprehensive set of supporting documents, which vary by borrower type. Based on publicly available information, typical requirements include:

All applicants:

• Two valid government-issued IDs (e.g., passport, driver's licence, SSS ID, PhilSys ID)
• Marriage certificate (if married) or birth certificate
• Latest three months' utility bills or proof of residence

Employed applicants:

• Certificate of Employment with compensation (COE) — original, issued within the last 30 days
• Latest three months' payslips
• Latest ITR (BIR Form 2316 or 1700) stamped received by BIR

Self-employed applicants:

• DTI or SEC registration and latest General Information Sheet
• Latest two years' audited financial statements
• Latest ITR (BIR Form 1701) stamped received by BIR
• Latest six months' bank statements

For the property:

• Copy of the TCT or CCT
• Lot plan or vicinity map
• Contract to Sell or Deed of Absolute Sale (for purchase transactions)
• For refinancing: latest Statement of Account from your current lender

Requirements are subject to change. Always confirm the complete checklist with Metrobank or your mortgage broker before submission.

Based on common experiences of Philippine home loan applicants, the most frequent errors that cause delays or rejections include:

• Name mismatches — Using a nickname or middle name initial that doesn't match your IDs exactly. Always use your full legal name as it appears on your birth certificate and government IDs.
• Inconsistent income figures — Declaring a monthly income on the form that doesn't match the ITR or payslips attached. Metrobank's credit team will compare these figures.
• Leaving sections blank — Fields marked as required must be completed. Write "N/A" if something genuinely doesn't apply rather than leaving it empty.
• Outdated supporting documents — COEs older than 30 days or bank statements older than three months are commonly rejected.
• Property details that don't match the title — The TCT/CCT number, registered owner's name, and lot area on the form must match the actual title exactly.
• Missing co-borrower signatures — If there is a co-borrower, both parties must sign all required pages.
• Incorrect loan amount relative to property value — Requesting an amount that exceeds Metrobank's loan-to-value (LTV) ratio limits will result in a counter-offer or rejection.

Working with a mortgage broker can significantly reduce these errors, as brokers review your form and documents before submission.

There are two main submission channels for a Metrobank housing loan application:

Branch submission: Bring your completed application form and all original or certified true copies of supporting documents to your nearest Metrobank branch. Ask to speak with a mortgage specialist or home loan officer. Branch submission allows for on-the-spot document verification, and you can clarify questions directly. You will typically receive a reference number and a follow-up call within a few business days.

Online or broker-assisted submission: Metrobank also accepts applications through its online channels or through accredited mortgage brokers. If you apply through Nook, your dedicated mortgage advisor collects your documents digitally, reviews them for completeness, and submits on your behalf — saving you multiple branch visits. This is particularly useful for OFWs or borrowers who are refinancing and want to compare Metrobank's offer against other lenders simultaneously.

For refinancing specifically, our complete guide to refinancing with Metrobank covers the full submission process step by step, including timelines and what to expect after submission.

Submission requirements and channels are subject to change. Verify the latest process with Metrobank directly.

Based on publicly available information, Metrobank's standard housing loan processing timeline is approximately 5 to 10 banking days from receipt of a complete application with all supporting documents. However, actual timelines can vary based on several factors:

• Completeness of documents — Incomplete applications are put on hold until missing items are submitted, which can add weeks to the timeline.
• Property appraisal scheduling — Metrobank arranges its own appraiser to visit the property, and scheduling can add 3 to 7 business days depending on location.
• Credit verification — If your employer or business requires additional verification, this can extend processing time.
• Volume of applications — Processing times may be longer during peak periods.

Once your loan is approved in principle, you will receive a Letter of Guarantee (LOG) or Approval Letter. Final loan release then follows after completion of legal documentation, title transfer (for purchase transactions), or annotation of the mortgage on the title (for refinancing).

To avoid unnecessary delays, submit a complete and accurate application from day one. A mortgage broker can help ensure this.

Yes — using a mortgage broker like Nook is the most efficient way to apply for a home loan in the Philippines, especially if you want to compare multiple lenders without submitting separate applications to each bank. Here's how it works:

• You submit your documents once to Nook through a secure digital platform.
• Your Nook mortgage advisor reviews your profile and matches you with the best-fit lenders from their panel.
• Nook handles all form completion and submission on your behalf.
• You receive competing loan offers side by side, so you can choose the best rate and terms.
• The entire service is 100% free to you — Nook is compensated by the lender, not the borrower.

Nook's partner banks currently offer refinance rates starting at 5.99% p.a. If you're currently paying 7% or more on your existing home loan, refinancing through Nook could reduce your monthly amortisation by thousands of pesos. For context, on a 3,000,000 outstanding loan balance at 8.5% over 20 years, your monthly payment would be approximately 26,100. At 5.99% over the same term, that drops to approximately 21,470 — a saving of around 4,630 per month or 55,560 per year.

If you're considering whether Metrobank is the right lender for your refinance or if another bank might offer better terms, our BPI vs Metrobank home loan comparison is a useful starting point. Nook's service lets you find out definitively, without the paperwork burden of applying to each bank separately.

Rates quoted are indicative and subject to change. Final rates depend on individual borrower profiles and lender assessment.