Home and Car Loan Rates and Fees

Home Loan Rates

Fixing Period	Rates*
1- year	7.625%
2-year	8.00%
3-year	8.25%
4-year	8.50%
5-year	8.75%

* 1% shall be added to Home Equity
Rates are subject to change without prior notice

Note: Effective booking rates apply to newly booked loans only. For repricing rates, please contact your branch of account.

Update as of 16 June 2026

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Car Loan Rates

	In Arrears		One Month Advance (OMA)
Term	Add-on Rate	Effective rate (p.a.)	Add-on Rate	Effective rate (p.a.)
12-months	5.19%	9.45%	4.45%	8.12%
18-months	7.61%	9.40%	6.83%	8.46%
24-months	10.74%	9.99%	9.92%	9.25%
36-months	16.90%	10.44%	15.96%	9.88%
48-months	23.55%	10.78%	22.50%	10.33%
60-months	30.26%	10.93%	29.13%	10.56%

Rates may change from time to time. Kindly visit your nearest Metrobank branch or call our contact center at (02) 88-700-700 for the most updated rates.

Update as of 5 June 2026

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Consumer Loan Service Fees

Particulars	Amount/Charges
1. Appraisal Fee       a. Metrobank Home Loans         • First Appraisal
• In Town	PHP 4,000
• Out of Town	PHP 4,500
• Re-appraisal	PHP 2,000
• House Construction Re-inspection Fee	PHP 700 per visit
b. Metrobank Car Loans (Deed of Sale/Reimbursement transactions)	PHP 500
2. Title Verification/Title Investigation and Verification (TV/TIV) Fee       a. First Verification
• In Town	PHP 1,000
• Out of Town	PHP 1,000
• Re-Verification	PHP 500
3. Car History Fee (Deed of Sale/Reimbursement transactions)	PHP 750
4. Documentation and Certification Fee:       • OR/CR Certification       • TCT/CCT Certification       • Certified True Copies of Loan and Collateral Documents       • Certificate/s of Full Payment for Closed Accounts       • Certificate/s of Outstanding Balance       • Loan Payment History (Charged per year/product/request)       • Certificate/s of Interest/s Paid (Charged per year/product/request)       • Statement/s of Account for Full Payment	Notarized: PHP 400.00 per document or actual quotation from service provider, whichever is higher Not notarized: PHP 300.00 (per copy)
5. Documentary Stamp Tax for Promissory Notes	PHP 1.50 for every PHP 200 or fractional part thereof
6. Handling Fee
• Metrobank Car Loan	PHP 2,000
• Metrobank Home Loan	PHP 7,000
7. Late Penalty Charges
• Metrobank Car Loan	5% per month
• Metrobank Home Loan	3% per month
8. Fee for late submission of insurance policy renewal documents	PHP 3,000 beyond 30 days from policy anniversary date
9. Notarial Fee	PHP 400 per document or actual quotation from service provider, whichever is higher
10. Processing Fee: Amendment of loan details         • Change in interest rate and rate-fixing period         • Change in due date         • Term reduction         • Acceptance of higher monthly amortization 11. Processing Fee: Changes in mode of payment         • Auto Debit arrangement (ADA) to Post Dated Check (PDC)         • Metrobank PDC to Other bank's PDC 12. Processing Fee: Insurance-related requests         • Endorsement of insurance         • Full/Partial waiver of insurance coverage         • Reduction of insurance coverage         • Cancellation of assignment for endorsed insurances         • Change of insured person for Mortgage Redemption Insurance (MRI)         • Partial withdrawal of funds from an endorsed investment-linked insurance policy         • Partial release of insurance policy         • Change in mode of payment of insurance premiums 13. Processing Fee: Collateral-related requests         • Partial release of collateral         • Change of collateral         • Change of registered owner         • Substitution of collateral         • Subdivision of collateral	PHP 5,000
14. Processing Fee for loan takeout/refinancing	2% of outstanding loan balance or PHP 15,000 whichever is higher
15. Pre-payment Processing Fee	PHP 7,500
16. Registration Fee	Subject to quotation from Register of Deeds
17. Reissuance of Cancellation of Mortgage	PHP 800
18. Safekeeping Fee for unclaimed loan documents	PHP 2,000 if unclaimed for the first 4 months; PHP 1,000 for every succeeding month

[1] Clients shall be charged for each title.

Update as of 25 May 2026