Metrobank housing loan promos change every year — but the best rate available in 2026 may not be from Metrobank at all. Compare and see if you can save over 4,850 a month.
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Why this matters
Metrobank is one of the Philippines' largest banks and a popular choice for housing loans. Their published rates for 2026 typically range from around 7.50% to 9.50% per annum depending on the fixing period, loan amount, and your borrower profile — though these are approximate figures based on publicly available information and are subject to change without notice. Metrobank does release periodic housing loan promos, often tied to lower fixed rates for the first one to three years, reduced processing fees, or bundled insurance packages. If you took out your loan several years ago, there's a strong chance your current rate is well above what's available today. Check out our full breakdown of Metrobank home loan refinancing rates and the process to understand what switching could look like for you.
Here's what many homeowners don't realise: even if Metrobank is running a promo, you're unlikely to hear about competing bank offers unless you shop around. Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work with multiple partner banks to find you the lowest verified rate available — currently as low as 5.99% p.a. On a 3,000,000 loan at 8.50%, you could be paying around 26,035 a month. At 5.99%, that drops to roughly 22,966 — a difference of over 3,000 every month. Before you lock into any Metrobank promo, it's worth knowing what else is on the table.
If you're still gathering information, our guide on Metrobank housing loan eligibility and documents covers what you'll need to qualify — whether you're refinancing with Metrobank or switching to a Nook partner bank. Either way, we'll help you make the most informed decision possible. Please note that all interest rates referenced on this page are approximate, based on publicly available data, and subject to change. Always verify the latest rates directly with Metrobank or through a licensed mortgage broker before making a financial decision.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Based on publicly available information, Metrobank's housing loan rates for 2026 are estimated to range from approximately 7.50% to 9.50% p.a., depending on the fixing period and loan details. Metrobank occasionally releases limited-time promos with lower introductory rates or waived fees, so it's best to contact them directly or check their website for the latest offers. Keep in mind that promo rates are subject to change and may come with specific eligibility conditions.
To avail of a Metrobank housing loan promo, you typically need to submit a formal loan application along with income documents, property papers, and valid IDs during the promo period. Promo slots are often limited, so timing your application matters. Alternatively, applying through Nook lets you compare Metrobank's promo against verified offers from multiple partner banks — for free — so you can be sure you're getting the best deal available.
Yes, you can refinance your Metrobank housing loan either back with Metrobank (internal refinancing) or with a different bank entirely (external refinancing). External refinancing through Nook's partner banks can offer rates as low as 5.99% p.a., which may be significantly lower than your current rate. Nook handles the comparison and paperwork at no cost to you, making it a straightforward way to explore your options.
Yes, Nook's service is 100% free for borrowers — there are no broker fees, application fees, or hidden charges on Nook's side. Nook is compensated by the partner bank when a loan is successfully processed, which means you get expert guidance and rate comparison without paying anything extra. You only pay the standard loan-related fees charged by whichever bank you choose.
On a 3,000,000 loan with 20 years remaining, moving from an estimated 8.50% rate to 5.99% p.a. could reduce your monthly payment from around 26,035 to approximately 22,966 — saving over 3,000 per month and potentially more than 550,000 over the remaining loan term. Your actual savings will depend on your exact loan balance, remaining term, and the rate you qualify for. Use Nook's free calculator or speak with a Nook advisor to get a personalised estimate.
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