Thinking about a Metrobank housing loan in 2026? Get the full checklist of documents and eligibility rules — then see if refinancing with a Nook partner bank could save you more.
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Why this matters
Metrobank is one of the Philippines' largest banks and a popular choice for home loans, offering fixed-rate periods and loan amounts that suit a wide range of buyers. Based on publicly available information, Metrobank's standard housing loan rates have typically ranged from around 7% to 9% per annum depending on the fixing period chosen — but these rates are approximate, subject to change, and you should always verify the current figures directly with Metrobank before applying. For a full breakdown of what documents you'll need, see our step-by-step guide to Metrobank housing loan requirements for 2026.
To qualify for a Metrobank housing loan, borrowers generally need to be between 21 and 65 years old at loan maturity, be a Filipino citizen or a qualified foreign national, and demonstrate stable income through payslips, ITR, or audited financial statements for the self-employed. Properties must typically be located within areas serviced by Metrobank branches, and the loan-to-value ratio is usually capped at around 80% of the appraised value. If you are salaried or running your own business, requirements differ slightly — our complete checklist for salaried and self-employed borrowers walks through both scenarios in detail.
Already have an existing home loan — whether with Metrobank or another bank — and wondering if you're overpaying? Many Filipino homeowners are still on rates of 8% to 10% and don't realise how much they could save by refinancing. Through Nook, the Philippines' first digital mortgage broker, you can compare verified rates from multiple partner banks and access rates as low as 5.99% p.a. — completely free of charge. Note that all interest rates shown on this page are indicative and subject to change. Always confirm current rates with your lender or broker before making any financial decisions.
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
Applicants are generally required to be at least 21 years old at the time of application and no older than 65 years at loan maturity. You must be a Filipino citizen with a stable source of income, either from employment or a business, and have a good credit history. Foreign nationals may qualify under certain conditions — confirm directly with Metrobank for the latest eligibility rules.
Salaried applicants typically need to submit a completed application form, one valid government-issued ID, the latest one-month payslips, a Certificate of Employment, and the most recent two-year Income Tax Return (ITR). Additional documents may be required depending on your employment type or nationality. Always request the latest checklist from Metrobank directly, as requirements can be updated.
Self-employed borrowers usually need to provide Audited Financial Statements for the past two years, ITRs filed with the BIR, a DTI or SEC registration, and bank statements for the last three to six months. Metrobank may also request a business profile or proof of business operations. Requirements can vary, so verify the current list with your Metrobank branch or relationship manager.
You will typically need to submit a copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), the latest tax declaration and real property tax receipts, and a location or vicinity map of the property. If the property is being purchased from a developer, additional documents such as a Contract to Sell may be required. Metrobank conducts its own property appraisal, which is part of the standard loan process.
It's almost always worth comparing rates before committing to any single bank. Metrobank offers competitive housing loans, but partner banks available through Nook may offer lower rates — currently as low as 5.99% p.a. — with a free, streamlined application process handled by a dedicated broker. On a 3,000,000 loan, even a 1% difference in rate can mean tens of thousands of pesos saved over the life of your loan, so taking a few minutes to compare could be very worthwhile.
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