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Home Purchase

<p>With a Metrobank home purchase loan, you can secure your new home wherever in the country it may be.</p>

Easy payment terms of up to 25 years for your home loan.

Flexible terms

Metrobank offers affordable interest rates to help you get the home of your dreams.

Affordable interest rates

Apply for a home loan with just an application form, ID, income, and collateral documents.

Minimal requirements

<h1>Metrobank <span style="background: linear-gradient(76.66deg, #0357ff 10.45%, #ac30ff 54.85%); color: transparent; background-clip: text;">Home Loan</span></h1>

<p>Got your eyes on a dream property? Use a Home Loan to help you purchase that today.</p>

<p>Purchase your dream home</p>

<p>Build equity and invest your monthly rent in a place you can truly call yours.</p>

<p>&nbsp;Own instead of renting</p>

<p>Spread the cost of owning a home over time with manageable payments to preserve your savings.</p>

<p>Keep cash flow smooth</p>

<p>Make homeownership more affordable and building long-term assets easier.</p>

<p>Grow your assets</p>

<p>The Metrobank Home Loan can help you afford your dream home.</p>

<h2>How you can use your Home Loan</h2>

<h2>How you can <span style="background: linear-gradient(76.66deg, #93A8FF 10.45%, #90EEFF 54.85%); color: transparent; background-clip: text;">use your Home Loan</span></h2>

<h4>Interest rates and fees</h4>
<ul>
<li>Home Purchase Loan interest rates:* 
<ul>
<li>1 year - 6.25%</li>
<li>2 years - 7.25%</li>
<li>3 years - 7.75%</li>
<li>4 years - 8.00%</li>
<li>5 years - 8.25%</li>
</ul>
</li>
<li>Fees:
<ul role="list">
<li>Appraisal fee of PHP 4000 (Metro Manila) or PHP 4500 (countryside)</li>
<li>Title investigation fee of PHP 1000</li>
<li>Notarial fee of PHP 400 (or actual quotation from service provider, whichever is higher) per document</li>
<li>Handling fee of PHP 5000</li>
<li>Mortgage Redemption Insurance (to be quoted)</li>
<li>Property Insurance (to be quoted) </li>
</ul>
</li>
</ul>
<p>*1% shall be added to Home Equity. 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.<br /><span></span></p>

<h4>Eligibility</h4>
<ul role="list">
<li>Minimum age: 21 years old</li>
<li>Minimum income: PHP 40,000 or USD 1,000</li>
<li>Employment status:&nbsp;
<ul role="list">
<li>Permanent status with current employer for 2 years</li>
<li>For land-based OFWs, employed by the current employer for 2 years</li>
<li>For sea-based OFWs, must have completed a combined contract duration of 24 months with the current agency</li>
<li>For self-employed, profitable operations for at least 3 years</li>
</ul>
</li>
<li>Credit history: Good standing, with no adverse findings</li>
<li>Collateral: Residential property</li>
</ul>
<p></p>

<h4>Home Loan application requirements</h4>
<ul role="list">
<li>Application form</li>
<li>Valid ID</li>
<li>Collateral documents:
<ul role="list">
<li>Owner&rsquo;s duplicate copy of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)</li>
<li>Tax Declaration of Land and/or Improvement</li>
<li>House Plans/Bill of Materials/Building Specifications (for construction loans) or</li>
<li>Contract-to-Sell (CTS) or Reservation Agreement (RA) (if under Developer&rsquo;s Tie-up)</li>
</ul>
</li>
<li>Marriage contract, if applicable</li>
<li>Income documentation:
<ul role="list">
<li><span>For Employed/Salaried individuals</span>
<ul role="list">
<li>
<div><span>Certificate of Employment (COE) with compensation, position or job title, and date employed or tenure OR;</span><span></span></div>
</li>
<li>
<div><span></span><span>Latest three (3) months electronic pay slips / payroll bank statements OR;</span></div>
</li>
<li>
<div><span></span><span>Latest ITR or BIR Form 2316</span></div>
</li>
</ul>
</li>
<li><span>For Individual Applicants in Business</span><br />
<ul role="list">
<li>
<div><span></span><span>If Single Proprietorship: BIR Form 2303 (Certificate of Registration) AND DTI Certificate of Registration or Business Permit</span></div>
</li>
<li><span>If Partnership: Articles of Partnership with names of Partners</span></li>
<li><span>If Corporation: SEC Registration AND Articles of Incorporation and By-Laws, AND Updated GIS with names of Shareholders and Senior Management</span></li>
<li><span>Latest six (6) months bank statements</span></li>
<li><span>If loan exposure &gt; 3MM: Latest Income Tax Return (ITR) AND 2 years Audited Financial Statements</span></li>
</ul>
</li>
</ul>
</li>
</ul>
<ul>
<li style="list-style-type: none;">
<ul role="list">
<li><span>For OFWs:</span>
<ul role="list">
<li><span>If land-based Certificate of Employment (COE) with compensation, position or job title, tenure, employer&rsquo;s email (original if land-based OFW) or Latest POEA contract with Certificate of Sea Service with work history and tenure (if sea-based OFW)</span></li>
<li><span>Proof of monthly remittance for the last six (6) months in the name of the OFW or his immediate family members OR three (3) months pay slips / payroll bank statements</span></li>
</ul>
</li>
</ul>
</li>
</ul>

<h4>How to apply</h4>
<ul>
<li>You may visit the nearest Metrobank branch or submit an application form online.</li>
</ul>

<h4>Frequently asked questions</h4>
<p><strong>How much of the property's value can I loan?&nbsp;</strong><br />Your Home Loan can cover up to 80% of the property's value.&nbsp;<br /><br /><strong>How long is the interest fixing period?&nbsp;</strong><br />The fixing period for home loans is 1 to 5 years.&nbsp;<br /><br /><strong>What happens after the fixing period?&nbsp;</strong><br />At the end of your fixing period, your Home Loan will be re-priced. This means that the interest rate of your loan will change.<br /><br /><strong>How can I pay for my monthly amortization?</strong><br />You can pay for the monthly amortization via Auto Debit Arrangement (ADA) from your Metrobank deposit account.<br /><br /><strong>What valid IDs can I present?&nbsp;</strong><br />You may present any of these IDs:&nbsp;<br />For locally employed or in business:</p>
<ul role="list">
<li>Philippine Identification Card (PhilID)</li>
<li>Passport</li>
<li>Driver&rsquo;s License</li>
<li>Professional Regulation Commission ID</li>
<li>Postal Identity Card</li>
<li>Voter&rsquo;s ID</li>
<li>GSIS e-Card</li>
<li>Social Security System card or Unified Multi-Purpose ID</li>
<li>Senior Citizen Card</li>
<li>Government Office and Government Owned and Controlled Corporations ID (e.g. BSP, SEC, Insurance Commission)</li>
<li>Persons with Disabilities (PWD) ID issued by the National Council on Disability Affairs</li>
<li>Integrated Bar of the Philippines ID</li>
<li>Company ID (if signature bearing) issued by Covered Person registered with or supervised/regulated by BSP, SEC or Insurance Commission</li>
</ul>
<p>For OFWs:</p>
<ul>
<li>Passport</li>
</ul>

Before you apply for a Metrobank Home Loan, here are a few vital things to know.

<h2>Things <span style="background: linear-gradient(76.66deg, #93A8FF 10.45%, #90EEFF 54.85%); color: transparent; background-clip: text;">to know</span></h2>

<h2>Things <span style="background: linear-gradient(76.66deg, #0357ff 10.45%, #ac30ff 54.85%); color: transparent; background-clip: text;">to know</span></h2>

<p>Let Metrobank guide your journey to the right home. Apply for a Metrobank Home Loan today.</p>

<h2>Secure your home loan</h2>

<h2>Secure your <span style="background: linear-gradient(76.66deg, #93A8FF 10.45%, #90EEFF 54.85%); color: transparent; background-clip: text;">home loan</span></h2>

House  Construction

Reimbursement

Purchase of lot

<h2>Keep <span style="background: linear-gradient(76.66deg, #0357ff 10.45%, #ac30ff 54.85%); color: transparent; background-clip: text;">Exploring</span></h2>

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Get started on a meaningful life in your new home and apply for a property purchase loan with Metrobank today.

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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>


Metrobank Home Loan

Flexible terms

Affordable interest rates

Minimal requirements

How you can use your Home Loan

Things to know

Interest rates and fees

Secure your home loan

Keep Exploring

House Construction

Reimbursement

Purchase of lot

Got questions? We can help.