Promo Mechanics

1. The 2025 Goals Made Real Promo (“Promo”) is open to all qualified clients who will submit complete Home Loan application documents from February 10, 2025 to May 30, 2025 (“Promo Period”).

2. To qualify for the promo, the Home Loan application must be approved and subsequently booked on or before July 31, 2025 (“Home Loan Booking Period”).

3. Qualified clients shall enjoy the following offers:

   a. Waived fees of up to PHP 60,000.00;
   b. Low interest rate; and
   c. Pre-qualification for a Metrobank credit card.

4. Eligibility criteria are as follows:

   • Applicable to all Home Loan purposes;
   • Loan term should be at least five (5) years;
   • Loan amount should be at least PHP 1,000,000.00; and
   • Mode of payment is strictly via Automatic Debit Arrangement (ADA). Client should have an existing or must open a savings or current account with any Metrobank Branch.

   Waived Fees

5. Waived fees up to PHP 60,000.00 are limited only to: (1) Mortgage Registration Fees; (2) Documentary Stamp Tax (DST); and (3) Notarial Fee. The maximum fee waiver will depend on the amount of the loan and the actual cost of the aforementioned inclusions, which waived fees shall not exceed, as follows:

   Loan Amount	Waived Fees (capped at)
   PHP 1,000,000.00 to PHP 1,999,999.99	PHP 10,000.00
   PHP 2,000,000.00 to PHP 2,999,999.99	PHP 20,000.00
   PHP 3,000,000.00 to PHP 3,999,999.99	PHP 30,000.00
   PHP 4,000,000.00 to PHP 4,999,999.99	PHP 40,000.00
   PHP 5,000,000.00 to PHP 5,999,999.99	PHP 50,000.00
   PHP 6,000,000.00 and up	PHP 60,000.00

   The waiver of bank fees shall be applied in the following order of priority:
   1st – Mortgage Registration Fees
   2nd – Documentary Stamp Tax
   3rd – Notarial Fee

6. Fees beyond the cap or those not included above (such as, but not limited to appraisal fee, title investigation fee, handling fee, and insurance premiums) are not covered by the waived fees offer, and shall be shouldered by the client.

   Low Interest Rate

7. Qualified clients shall enjoy:

   Rate Fixing Period in Years	Promo Rate (p.a.)
   3	6.75%
   5	6.75%

   Pre-Qualification¹ for Credit Card Offer

8. Only individual loan borrowers may pre-qualify for a credit card.

9. Either the principal loan borrower or the co-borrower may pre-qualify for a credit card, as principal credit card holder. In case either the principal borrower or co-borrower qualifies as principal credit card holder, the other loan borrower may apply as supplementary credit card holder.

   ¹Pre-qualification means that client has met the basic eligibility requirements. Issuance of credit card is still subject to review and approval of Metrobank.

   Promo Lock-in Conditions

10. The loan availed under this promo is subject to a lock-in period corresponding to the agreed initial rate fixing period.

11. During the lock-in period, the client:

    a. Shall not request for amendment of the originally approved interest rate, rate fixing period, loan term, and other terms and conditions;
    b. Shall pay the loan amortizations on time and maintain the account in current status throughout the entire loan term; and
    c. Shall not sell, mortgage, or dispose of the property mortgaged while the loan is outstanding.

12. In case any of the above conditions are violated, within the term of the loan lock-in period, Metrobank will charge back to the client the total fees previously waived by the Bank, which are limited only to: (1) Mortgage Registration Fee; (2) Documentary Stamp Tax (DST); and (3) Notarial Fee. Additionally, the promo interest rate will be forfeited, and regular interest rate shall apply. If client/co-borrower was approved of a credit card, the use of the same will continue to be under the provisions of Metrobank Credit Cards Terms and Conditions.

Access application form below: