The simplest loan for your changing needs

A personal consumption loan or home equity loan lets you use your existing property to get extra funds for home improvement, a second home, travel, education or other personal needs.

Flexible terms

Easy payment terms of up to 10 years depending on the fund usage through our Metrobank Personal Consumption Loan.

Affordable interest rates

Metrobank offers affordable interest rates to fund your personal needs that fit your budget.

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Minimal requirements

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

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Apply for a Personal Consumption Loan today

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.

    Home Loan Eligibility Requirements

    Individual Borrower

    • Must be a Filipino citizen

    • At least twenty-one (21) years old

    • Property must be owner-occupied

    • 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

    Working Overseas

    • 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

    Apply for Personal Consumption Loan

    How to get started

    Get the extra cash you need today.