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Home and Car Loan Rates and Fees

<h1>Home and Car Loan Rates and Fees</h1>

## Home Loan Rates
<table><thead>
  <tr style="color:#ffffff; background-color:#2a317d">
    <th>Fixing Period</th>
    <th>Rates*</th>
  </tr></thead>
<tbody>
  <tr>
    <td style="text-align: center">1- year</td>
    <td style="text-align: center">7.625%</td>
  </tr>
  <tr>
    <td style="text-align: center">2-year</td>
    <td style="text-align: center">8.00%</td>
  </tr>
  <tr>
    <td style="text-align: center">3-year</td>
    <td style="text-align: center">8.25%</td>
  </tr>
  <tr>
    <td style="text-align: center">4-year</td>
    <td style="text-align: center">8.50%</td>
  </tr>
  <tr>
    <td style="text-align: center">5-year</td>
    <td style="text-align: center">8.75%</td>
  </tr>
</table>

<font size="2">\* 1% shall be added to Home Equity  
Rates are subject to change without prior notice</font>

<font size="2">Note: Effective booking rates apply to newly booked loans only. For repricing rates, please contact your branch of account.</font>

<p style='text-align: right'><font size="2">Update as of 16 June 2026</font></p>
---

## Car Loan Rates
<table><thead>
 <tr style="color:#ffffff; background-color:#2a317d">
    <th> </th>
    <th style="text-align: center" colspan="2">In Arrears</th>
    <th style="text-align: center" colspan="2">One Month Advance (OMA)</th>
  </tr></thead>
<tbody>
  <tr style="color:#ffffff; background-color:#2a317d">
    <td style="text-align: center">Term</td>
    <td style="text-align: center">Add-on Rate</td>
    <td style="text-align: center">Effective rate (p.a.)</td>
    <td style="text-align: center">Add-on Rate</td>
    <td style="text-align: center">Effective rate (p.a.)</td>
  </tr>
 <tr>
    <td style="text-align: center">12-months</td>
    <td style="text-align: center">5.19%</td>
    <td style="text-align: center">9.45%</td>
    <td style="text-align: center">4.45%</td>
    <td style="text-align: center">8.12%</td>
  </tr>
  <tr>
    <td style="text-align: center">18-months</td>
    <td style="text-align: center">7.61%</td>
    <td style="text-align: center">9.40%</td>
    <td style="text-align: center">6.83%</td>
    <td style="text-align: center">8.46%</td>
  </tr>
  <tr>
    <td style="text-align: center">24-months</td>
    <td style="text-align: center">10.74%</td>
    <td style="text-align: center">9.99%</td>
    <td style="text-align: center">9.92%</td>
    <td style="text-align: center">9.25%</td>
  </tr>
  <tr>
    <td style="text-align: center">36-months</td>
    <td style="text-align: center">16.90%</td>
    <td style="text-align: center">10.44%</td>
    <td style="text-align: center">15.96%</td>
    <td style="text-align: center">9.88%</td>
  </tr>
  <tr>
    <td style="text-align: center">48-months</td>
    <td style="text-align: center">23.55%</td>
    <td style="text-align: center">10.78%</td>
    <td style="text-align: center">22.50%</td>
    <td style="text-align: center">10.33%</td>
  </tr>
  <tr>
    <td style="text-align: center">60-months</td>
    <td style="text-align: center">30.26%</td>
    <td style="text-align: center">10.93%</td>
    <td style="text-align: center">29.13%</td>
    <td style="text-align: center">10.56%</td>
  </tr>
</tbody></table>

<font size="2">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.</font>
<p style='text-align: right'><font size="2">Update as of 5 June 2026</font></p>  

---

## Consumer Loan Service Fees

<table><thead style="color:#ffffff; background-color:#2a317d">
  <tr>
    <th><center>Particulars<center></th>
    <th><center>Amount/Charges<center></th>
  </tr></thead>
<tbody>
  <tr>
    <td>1. Appraisal Fee<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Metrobank Home Loans<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• First Appraisal</td>
    <td></td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In Town</td>
    <td>PHP 4,000</td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Out of Town</td>
    <td>PHP 4,500</td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-appraisal</td>
    <td>PHP 2,000</td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• House Construction Re-inspection Fee</td>
    <td>PHP 700 per visit</td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Metrobank Car Loans (Deed of Sale/Reimbursement transactions)</td>
    <td>PHP 500</td>
  </tr>
  <tr>
    <td>2. Title Verification/Title Investigation and Verification (TV/TIV) Fee<br>    &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. First Verification</td>
    <td></td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In Town</td>
    <td>PHP 1,000</td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Out of Town</td>
    <td>PHP 1,000</td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-Verification</td>
    <td> PHP 500 </td>
  </tr>
  <tr>
    <td>3. Car History Fee (Deed of Sale/Reimbursement transactions)</td>
    <td>PHP 750</td>
  </tr>
  <tr>
    <td>4. Documentation and Certification Fee:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• OR/CR Certification<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TCT/CCT Certification<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Certified True Copies of Loan and Collateral Documents<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Certificate/s of Full Payment for Closed Accounts<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Certificate/s of Outstanding Balance<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Payment History (Charged per year/product/request)<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Certificate/s of Interest/s Paid (Charged per year/product/request)<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Statement/s of Account for Full Payment</td>
    <td>Notarized: PHP 400.00 per document or actual quotation<br>from service provider, whichever is higher<br>
		<br>Not notarized: PHP 300.00 (per copy)</td>
  </tr>
  <tr>
    <td>5. Documentary Stamp Tax for Promissory Notes</td>
    <td>PHP 1.50 for every PHP 200 or fractional part thereof</td>
  </tr>
  <tr>
    <td>6. Handling Fee</td>
    <td></td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metrobank Car Loan</td>
    <td> PHP 2,000 </td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metrobank Home Loan</td>
    <td> PHP 7,000</td>
  </tr>
  <tr>
    <td>7. Late Penalty Charges</td>
    <td></td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metrobank Car Loan</td>
    <td>5% per month</td>
  </tr>
  <tr>
    <td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metrobank Home Loan</td>
    <td>3% per month</td>
  </tr>
  <tr>
    <td>8. Fee for late submission of insurance policy renewal documents</td>
    <td>PHP 3,000 beyond 30 days from policy anniversary date</td>
  </tr>
  <tr>
    <td>9. Notarial Fee</td>
    <td>PHP 400 per document or actual quotation<br>from service provider, whichever is higher</td>
  </tr>
  <tr>
    <td>10. Processing Fee: Amendment of loan details<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change in interest rate and rate-fixing period<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change in due date<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Term reduction<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Acceptance of higher monthly amortization<br>11. Processing Fee: Changes in mode of payment<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Auto Debit arrangement (ADA) to Post Dated Check (PDC)<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metrobank PDC to Other bank's PDC<br><br>12. Processing Fee: Insurance-related requests <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Endorsement of insurance<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Full/Partial waiver of insurance coverage<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reduction of insurance coverage<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cancellation of assignment for endorsed insurances<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change of insured person for Mortgage Redemption Insurance (MRI)<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Partial withdrawal of funds from an endorsed investment-linked insurance policy<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Partial release of insurance policy<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change in mode of payment of insurance premiums<br><br>13. Processing Fee: Collateral-related requests<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Partial release of collateral<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change of collateral<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change of registered owner<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Substitution of collateral<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subdivision of collateral</td>
    <td>PHP 5,000</td>
  <tr>
    <td>14. Processing Fee for loan takeout/refinancing</td>
    <td>2% of outstanding loan balance or PHP 15,000 whichever is higher</td>
  </tr>
  <tr>
 <tr>
    <td>15. Pre-payment Processing Fee</td>
    <td>PHP 7,500</td>
  </tr>
  <tr>
    <td>16. Registration Fee</td>
    <td>Subject to quotation from Register of Deeds</td>
  </tr>
  <tr>
    <td>17. Reissuance of Cancellation of Mortgage</td>
    <td>PHP 800</td>
  </tr>
  <tr>
    <td>18. Safekeeping Fee for unclaimed loan documents</td>
    <td> PHP 2,000 if unclaimed for the first 4 months;<br> PHP 1,000 for every succeeding month</td>
  </tr>
</tbody></table>

<font size="2">\[1] Clients shall be charged for each title.</font>  

<p style='text-align: right'><font size="2">Update as of 25 May 2026</font></p> 

Home and Car Loans Rates and Fees | Metrobank

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Metrobank loan rates and fees for its products and services.

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<p>For inquiries, you may call our Metrobank Contact Center at (02) 88-700-700, or our domestic toll-free number at 1-800-1888-5775, or send an e-mail to <a href="mailto:customercare@metrobank.com.ph">customercare@metrobank.com.ph</a></p>

<p>Metrobank is regulated by the Bangko Sentral ng Pilipinas
Website: <a href="https://www.bsp.gov.ph">https://www.bsp.gov.ph</a></p>

<p>Deposits are insured by PDIC up to P1 Million per depositor.</p>


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Home and Car Loan Rates and Fees

Home Loan Rates

Car Loan Rates

Consumer Loan Service Fees

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