Metrobank's 2026 housing loan promos can look attractive — but Nook borrowers are already locking in rates as low as 5.99% p.a. Compare before you commit.
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Why this matters
Metrobank is one of the Philippines' largest banks and regularly runs housing loan promotions with fixed-rate periods of 1, 2, 3, or 5 years. Based on publicly available information, Metrobank's advertised home loan rates typically range from around 7% to 9% p.a. depending on the fixing period and your loan profile — though these figures are approximate and subject to change. Before applying for any promo, it's worth understanding exactly what rate you'll revert to once the fixed period ends, since repricing can significantly increase your monthly payment. If you're already a Metrobank borrower, you should also explore Metrobank home loan refinancing options to see whether switching lenders could save you more than staying on a new promo rate.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. Rather than being tied to one bank's promo calendar, Nook works with multiple partner banks to find you a verified, competitive rate — currently as low as 5.99% p.a. On a 3,000,000 loan over 20 years, the difference between an 8.50% rate and 5.99% translates to nearly 3,894 less in monthly repayments. That's real money staying in your pocket every single month. Nook's partner banks offer streamlined processing, transparent repricing terms, and dedicated support — advantages that a direct bank application may not always provide.
Whether you're a first-time buyer considering Metrobank or an existing homeowner looking to refinance, it pays to compare. Check the full Metrobank housing loan eligibility guide to understand what you'll need to qualify — then run the same check with Nook to see if a partner bank can beat that rate. There's no cost, no obligation, and no paperwork maze to get started. Please note that all interest rates shown are indicative, based on publicly available information as of 2026, and are subject to change without notice. Always verify current rates directly with the lender 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
Metrobank periodically releases promotional home loan rates that typically range from around 7% to 9% p.a. for fixed periods of 1 to 5 years, based on publicly available information. These rates vary depending on your loan amount, term, and credit profile, and are subject to change — so always confirm the latest promo directly with Metrobank. For a guaranteed comparison, Nook can check verified rates from multiple partner banks at no cost to you.
Metrobank generally requires applicants to be Filipino citizens or eligible foreign nationals aged 21 to 65, with stable employment or business income and a good credit history. You'll need to submit identity documents, proof of income, and property documents as part of the application. For a detailed breakdown of what's required, see the full eligibility and requirements guide for Metrobank housing loans.
Not necessarily — promo rates are fixed only for a limited period, after which your loan reprices to the bank's prevailing rate, which could be significantly higher. Refinancing through Nook with a partner bank can give you a lower rate of 5.99% p.a. with transparent repricing terms from the start. It's always worth comparing total cost over the full loan term, not just the promo period.
Yes — if you currently have a Metrobank home loan and feel your rate is too high, refinancing to a different lender is a straightforward option worth exploring. Nook specialises in exactly this: helping existing homeowners switch to a lower rate through a fully digital, free process. Learn more about how Metrobank home loan refinancing works and what savings are possible.
On a 3,000,000 loan over 20 years, moving from a typical 8.50% rate to Nook's best available rate of 5.99% p.a. saves approximately 3,894 per month — or over 46,728 per year. Over the life of the loan that adds up to more than 700,000 in total interest savings. Use Nook's free comparison tool to calculate your own personalised savings based on your actual loan balance and remaining term.
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