u/Double-Energy-5751

Metrobank Current promotion:

• Waived ₱10K bank fees per 1M

• 6.5% fixing rate for 5years

• Max loan term is 25yrs

BDO Current promotion:

• Waived bank fees up to ₱25k

• 6.5% fixing rate for 5years

• Max loan term is 25yrs

• Free fire insurance in first year.

Anyone po here na naka experience mag apply ng Home loan sa METROBANK vs BDO na virtual assistant?

Gaano po kakunat yung approval ng Metrobank? Sabi sa chatgpt BDO daw kasi mas ok for VAs lol. Kaso ung bank fee’s ata nila for 5M is more or less ₱100-150K sabi ng sales agent.

Im planning to buy a property po. Napa appraised ko naxa. Selling Price is ₱5M, RCBC appraised amount is ₱6.9M. Loanable amount ko is ₱5.5M

I have RCBC Creditcards din po. No delinquent since day 1. Always paid on time kaso mejo malaki talaga monthly ko sa CC previous months mga 30-75k. My installments kasi. The thing is, regardless my installments, paid naman monthly due ko.

Now, yung loan officer told me mejo alanganin daw tumaas daw yung debt rate ko. Lol. Regardless kasi daw na bayad on time yung CC ko, affected din daw yung home loan application ko

Anyone po here na naka experience neto or my same scenario na my existing cc sa bank with installments then nag apply ng homeloan? Naloka ako. Pina stop pa ako mg use ng CC hahaha!

Any suggestions, should I look nalang for a different bank?

Di din kasi ma sagot ng loan officer na what if I’ll pay the installments one time, ma rerecompute ba yung interest nila.

Kaloka.