Guide on Metrobank Home Loan Interest Rates 2025 & Charges
METROBANK HOME LOAN INTEREST RATES 2025 – You can check here the details about interest and the fees for the financing of a lot acquisition.
In applying for a loan, there are features that you should check first before you sign any document or decide to apply for a loan offer. You might be interested in applying for the Home Loan offer of Metrobank. It actually varies on the fixing period.
Aside from the Metrobank Car Loan offer, the reputable banking entity also has a Home Loan offer that can finance purchase of a vacant lot as well as several other purposes related to real estate property acquisition. The bank boasts its loan offer with the following features:
- flexible loan terms
- minimal requirements
- manageable investment expansion
- competitive interest rates
- financial flexibility
- development opportunities
With regards to the Metrobank Home Loan interest rates, it depends on the fixing period. Here are the interest rates implemented by the bank as of June 2026.
| Fixing Period | New Booking Rates Effective Rate (p.a.) |
| 1-Year | 6.25% |
| 2-Year | 7.25% |
| 3-Year | 7.75% |
| 4-Year | 8.00% |
| 5-Year | 8.25% |
With regards to the loan term, the maximum loan term depends on the purpose of the loan application. Here is a guide on the maximum loan terms depending on the loan purpose:
| Purpose | Maximum Term |
|---|---|
| Purchase of House and Lot | 25 years |
| Purchase of Townhouse | 25 years |
| Purchase of Condominium | 25 years |
| Purchase of Vacant Lot | 10 years |
| Purchase of Lot and House Construction | 25 years |
| House Construction on Owned Lot | 25 years |
| Reimbursement* | 25 years except for vacant lot at 10 years |
| Renovation/Expansion | 20 years |
| Refinancing/Loan Take-out* | 15 years except for vacant lot at 10 years |
| Personal Consumption | 5 years |
| Personal Investment – Residential Asset Acquisition | 25 years except if collateral is a vacant lot at 10 years |
Aside from knowing the interest rates, it is also best to know the fees under a loan offer. With regards to the Metrobank Home Loan fees and charges, there are those that you should be prepared for upon the loan application and there are also charges that are implemented after the loan approval. Here’s a guide:
Upon loan application
- Appraisal Fee — PHP 4,000 (Metro Manila) or PHP 4,500 (countryside)
- Title Investigation Fee — PHP 1,000 per title
After loan approval
- Registration Fee — To be quoted by the Registry of Deeds
- Notarial Fee — PHP 300 per document
- Handling Fee — PHP 5,000
- Mortgage Redemption Insurance — To be quoted by Axa
- Property Insurance — To be quoted by Axa
Do you wish to proceed to the loan application? There are documents that you need to prepare. Here’s a guide on the documentary requirements set by the bank depending on your source of income: