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How may we help you?

Principal borrowers should be individual borrowers

With a gross monthly family income of at least PHP 40,000

If employed, with permanent status with current employer for the last two (2) years

If in business, with profitable operation for at least three (3) years

If an Overseas Filipino Worker (OFW) / Overseas Contract Worker, with or without permanent residency status in their host country

A land-based (technical or administrative staff/officer) or sea-based (officer rank) OFW in active employment or renewed when applying for a house equity loan

For land-based OFWs employed less than 2 years: Employed locally in the last 5 years prior to becoming an OFW, or as an OFW with different employers, or a combination

For sea-based OFWs: Completed a combined contract duration of 24 months with current agency, or 48 months inclusive of previous agencies

Home Loan Eligibility Requirements

Metrobank offers affordable interest rates to help fund your personal needs while staying within your budget.

Flexible terms

Applying for a home equity loan has never been this easy

Minimal requirements

Applying for Personal Consumption Home Loan has never been this easy.


A home equity loan lets you use your existing property to unlock funds for multiple purposes, such as education, medical procedures, solar panel installation, and more. 

The simplest loan for your changing needs

Metrobank helps you fund major investments or life’s simple pleasures with a Personal Consumption Loan. With a maximum payment term of 10 years, you can choose a payment plan that's right for you so you can start living your dreams today.  

Apply for a Personal Consumption Loan today

Metrobank helps you fund major investments or life’s simple pleasures with a Home Equity Loan. With a maximum term of 10 years, you can choose a payment schedule that’s right for you, so you can start living your dreams today.

How to get started

* Must be a Filipino citizen  
* At least twenty-one (21) years old  
* Property must be under the name of the borrower  
* Principal borrowers should be individual borrowers  
* With a gross monthly family income of at least PHP 40,000  
* If employed, with permanent status with current employer for the last two (2) years  
* If in business, with profitable operation for at least three (3) years  
* If an Overseas Filipino Worker (OFW) / Overseas Contract Worker, with or without permanent residency status in their host country 



* A land-based (technical or administrative staff/officer) or sea-based (officer rank) OFW in active employment or renewed when applying for a house equity loan  
* For land-based OFWs employed less than 2 years: Employed locally in the last 5 years prior to becoming an OFW, or as an OFW with different employers, or a combination  
* For sea-based OFWs: Completed a combined contract duration of 24 months with current agency, or 48 months inclusive of previous agencies  
* Earning at least USD 1,000

With a Metrobank Home Equity Loan, you can get additional funds by using your existing property.