BUYER GUIDE · HOME FINANCING

Part 1: Philippine Home Loan Rates and Fixing Periods

A lower interest rate helps. But the approved loan amount, repricing rules and complete borrowing cost determine whether a home loan fits your purchase.

Research checked: 11 October 2026 (Philippine time). Published indicative rates for new home-acquisition loans. This comparison is not a bank quotation or approval.

BPI, PSBank, Security Bank, Chinabank, Metrobank and BDO logos in a Philippine home-loan comparison — Bank logos identify the institutions compared. No bank sponsorship or endorsement is implied.

Fixed-rate period, loan term and lock-in: three different things

A fixing period is how long the agreed interest rate remains unchanged. The loan term is the repayment duration: a five-year fixed rate can apply to a 20-year loan. A contractual lock-in may govern early settlement or recovery of promotional fee waivers. Ask for these conditions separately.

Published interest rates by fixing period

Rates below are per annum. Quote means a current public rate could not be verified; it does not mean the period is unavailable. Promotional and negotiated offers may differ.

On mobile, swipe the comparison tables horizontally to see all columns.

Indicative annual rates for new home-acquisition loans
Bank	1-year fixed	3-year fixed	5-year fixed	10-year fixed	15-year fixed
BPI	7.00%	7.75%	8.00%	10.25%	10.50%
PSBank	7.00%	7.50%	8.00%	9.25%	10.00%
Security Bank	7.25%	7.75%	8.25%	Quote	Quote
Chinabank	7.50%	7.50%	8.00%	Quote	Quote
Metrobank	7.625%	8.25%	8.75%	Quote	Quote
BDO	Quote	Quote	Quote	Quote	Quote

Metrobank’s dedicated rate schedule was updated on 16 June 2026; its product page displays different figures. Use a written quotation to resolve the difference. BDO’s product page links to a sheet containing an expired 2025 promotion, so those promotional rates are excluded. Chinabank groups 1–3 years at 7.50% and 4–5 years at 8.00%.

Which options deserve a closer look?

One-year pricing: BPI and PSBank tie at 7.00% in these verified schedules.
Three-year pricing: PSBank and Chinabank tie at 7.50%; their financing limits differ.
Five-year pricing: BPI, PSBank and Chinabank publish 8.00%.
Longer rate certainty: PSBank’s published 10- and 15-year rates are below BPI’s. Compare written offers using the same loan amount and repayment term.
Investment purchases: Security Bank distinguishes primary homes from investment/secondary homes. Do not assume its 90% headline applies to a rental property.

Continue to Part 2: Loan Limits, Appraisal and Cash Requirements →

Official research sources

Confirm before applyingRates, fees, availability and bank policies may change. Obtain a current written bank quotation for your circumstances. CebuPropertyMan is the property marketing and inquiry contact, not the lender; bank approval is not guaranteed.

Discuss your property and financing goals

Part 1: Philippine Home Loan Rates and Fixing Periods

Fixed-rate period, loan term and lock-in: three different things

Published interest rates by fixing period

Which options deserve a closer look?

Official research sources

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