by easypropertymatch Here’s an updated comparative overview of housing loan interest rates for terms ranging from 3 to 20 years, as offered by various financial institutions and banks in the Philippines:
| Institution | 3-Years | 5-Years | 10-Years | 15-Years | 20-Years |
|---|---|---|---|---|---|
| Pag-IBIG Fund | 6.250% | 6.500% | 7.125% | 7.750% | 8.500% |
| Security Bank | 8.25% | 6.80%* | Not specified | Not specified | Not specified |
| PSBank | 7.250% | 7.500% | 9.250% | 10.000% | 10.500% |
| Metrobank | 7.75% | 8.25% | Not specified | Not specified | Not specified |
| BDO | 7.5% | 8.0% | Not specified | Not specified | Not specified |
| China Bank | 7.50% | 8.00% | Not specified | Not specified | Not specified |
*Security Bank offers a promotional 5-year fixed rate of 6.80% under specific conditions
Check the updated interest rates here:
- Pag-IBIG Fund: https://www.pagibigfund.gov.ph/FAQ_HL.html
- Security Bank: https://www.securitybank.com/personal/loans/home-loan-housing-mortgage/home-equity-loan
- PSBank: https://www.psbank.com.ph/psbank-online-loan-amortization-calculator/HomeLoan/Rates
- Metrobank: https://www.metrobank.com.ph/articles/loan-rates-and-fees
- BDO: https://www.bdo.com.ph/jp/personal/loans/home-loan/interest-rate
- China Bank: https://www.chinabank.ph/loans-faqs-homeplus-application
Disclaimer:
The interest rates listed above are for comparison purposes only and are based on publicly available information from each financial institution’s official website. Some rates are fixed for a specific term, while others may be subject to periodic repricing. Loan terms, conditions, and eligibility requirements may vary by bank and borrower profile. Actual interest rates may differ based on credit evaluation, loan amount, and prevailing market conditions. For the most up-to-date and accurate information, please consult directly with the respective bank or financial institution.
Published: February 15, 2025
