Metrobank housing loan promos can look attractive, but Filipino homeowners who shop around through Nook are saving up to 58,200 per year by refinancing to a verified 5.99% p.a. — completely free.
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Why this matters
Metrobank is one of the Philippines' largest banks and regularly offers housing loan promotions — including fixed-rate periods, low introductory rates, and seasonal campaigns. For 2026, Metrobank's advertised home loan rates are generally reported to start somewhere in the 7% to 9% range depending on the fixing period, loan amount, and borrower profile. However, these figures are approximate and based on publicly available information; actual rates are subject to change and must be verified directly with Metrobank. If you're currently paying a Metrobank housing loan rate above 7%, it's worth asking: is your existing rate still competitive? For a full breakdown of what Metrobank typically requires to qualify, see our Metrobank Housing Loan Requirements Philippines 2026 guide.
Here's what many borrowers miss: a promotional rate at origination doesn't stay promotional forever. Most Philippine bank housing loans reprice after the fixed period ends — often jumping to the bank's prevailing rate, which can be significantly higher. If your loan has already repriced, or if your current rate is above 7%, refinancing through Nook could reduce your monthly payment by thousands of pesos. Nook works with multiple BSP-regulated partner banks to source verified rates as low as 5.99% p.a., and the entire broker service is 100% free to you as the borrower. There are no hidden fees on Nook's side.
Whether you're considering a new Metrobank housing loan or looking to refinance an existing one, comparing your options across multiple lenders is always the smarter move. Nook simplifies that process — one application, multiple bank offers, zero cost. If you already have a Metrobank home loan and want to understand your refinancing options specifically, our Metrobank Home Loan Refinancing guide walks through the full process. All rates shown on this page are illustrative; borrowers should confirm current rates with their lender before making any 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 offers promotional housing loan rates, typically ranging from around 7% to 9% p.a. depending on the fixing period and loan profile — but these figures are approximate and based on publicly available information. Actual promo rates are subject to change and should be confirmed directly with Metrobank before you apply. Keep in mind that introductory promo rates often reprice after the fixed period ends, so it's important to understand what your rate will be long-term.
Metrobank's housing loan eligibility generally requires Filipino citizenship (or foreign nationals married to Filipinos), a minimum age of 21 and not older than 65 at loan maturity, stable income with at least two years of employment or business history, and a good credit standing. Specific promo eligibility may have additional conditions such as minimum loan amounts or property types. For a detailed breakdown of documents and requirements, check our Metrobank Housing Loan Requirements 2026 guide.
Yes — if your current Metrobank loan has repriced above 7% after its fixed period, refinancing to a lower rate through a different lender could save you thousands of pesos per month. Nook can help you compare verified offers from multiple BSP-regulated banks at no cost to you, with rates currently available as low as 5.99% p.a. The process is fully digital and takes far less paperwork than applying directly with each bank.
Applying directly to Metrobank means you only see one bank's rates and terms. Nook, as the Philippines' first digital mortgage broker, submits your profile to multiple partner banks simultaneously so you can compare real, verified offers side by side. Nook's service is completely free to borrowers — partner banks pay the broker fee — and you benefit from dedicated support throughout the process rather than navigating each bank individually.
Standard requirements typically include valid government-issued IDs, proof of income (payslips, ITR, or audited financial statements for the self-employed), a copy of your Transfer Certificate of Title, and the loan's current statement of account if refinancing. Requirements can vary slightly between lenders, so Nook's team will guide you through exactly what each partner bank needs. You can also review the full checklist in our Metrobank Housing Loan Requirements 2026 eligibility checklist.
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