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