SUVs and house-and-lot properties remain the top loan preferences among Filipino borrowers, driven by family needs, space requirements, and long-term financial goals, according to Metrobank.
Data from the bank shows that home loan applicants continue to prefer house-and-lot developments over condominiums and townhouses, even as vertical living becomes more common in major cities. The trend indicates Filipino preference for owning land and having more space for multigenerational households.
The demand aligns with the housing market patterns. Property consultants have consistently reported strong interest in horizontal residential communities, particularly in suburban areas where families can access larger living spaces, lower density, and more community-oriented environments.
Housing remains one of the most important long-term financial goals for Filipino households. Studies by the Bangko Sentral ng Pilipinas show that home ownership is closely tied to financial security, stability, and wealth-building aspirations among Filipinos.
In the automotive segment, SUVs continue to dominate borrower preferences, overtaking sedans due to their larger seating capacity, higher ground clearance, and versatility for family use and long-distance travel.
Industry trends show the same direction. SUVs, pickups, and multipurpose vehicles account for a large share of vehicle financing activity in the Philippines, as buyers prioritize practicality, durability, and space over compact car efficiency.
Metrobank noted that these borrowing patterns reflect how Filipino households typically make major financial decisions. Large purchases such as homes and vehicles are often planned as a family unit, with careful consideration of long-term expenses such as healthcare, education, emergency savings, and inflation-related costs.
To support these goals, Metrobank is offering financing incentives through its Goals Made Real promo, which runs until May 29, 2026.
Borrowers who apply for a home or car loan during the promo period can enjoy:
- Low interest rates to make monthly payments easier to manage
- Waived fees of up to P60,000, which can help cover additional expenses such as household appliances or vehicle accessories
- Free one-year AXA car insurance for car loan borrowers
Loan applications must be approved and booked on or before July 31, 2026, to qualify for the promo benefits.
Interested borrowers may visit any Metrobank branch or know more details from Metrobank’s website.