For many Filipino families, owning a home or upgrading a car isn’t just a financial milestone—it’s one of the biggest gifts you can give to yourself and your loved ones. This year, Metrobank is encouraging Filipinos to start preparing early so these dream purchases become more doable, more intentional, and less stressful.
And yes—early as in August, even before the –ber months officially begin.
Why Metrobank Wants Filipinos to Start Early
At an event held last August 8 at One Ayala, Metrobank kicked off its early holiday campaign with a call to start planning sooner rather than later. The celebration became extra festive with Jose Mari Chan performing the earliest carols of the year—a fun reminder that planning ahead can actually bring joy, not pressure.
Last year, Metrobank introduced G.I.F.T., a simple framework to help families approach holiday spending more mindfully:
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Get guided by goals
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Invest your bonus wisely
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Follow a budget plan
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Take advantage of deals
Research shows that 8 out of 10 people don’t achieve New Year’s resolutions made in January. Metrobank believes that starting in August—with clearer headspace and fewer distractions—gives families a better chance of succeeding.
The goal is simple: avoid that dreaded “financial hangover” after the holidays, and instead make space for purposeful spending and saving.
The #EarlyGIFT Challenge: One Goal, One Year
This year, Metrobank is taking the idea further by inviting Filipinos to join the #EarlyGIFT Challenge. The challenge is straightforward:
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Write down one meaningful, specific, and realistic goal you want to achieve in the next 12 months—whether it’s saving for a downpayment, building an emergency fund, upgrading your car, or finally starting home renovations.
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Share it on social media using the hashtag #EarlyGIFT.
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Invite family and friends to join so you build accountability and support.
Metrobank Chief Marketing Officer Digs Dimagiba says the challenge is about shifting mindsets toward financial resilience. According to him, publicly committing to a single, clear goal increases your chances of actually doing it—and inspires others to take action too.
Big Dreams Made Easier: Metrobank’s Happy Holideals Promo
To complement the advocacy, Metrobank also rolled out its Happy Holideals promo—designed to help Filipinos take the first step toward owning a new home or car before the holiday rush.
Metrobank’s Consumer Lending Group Head Peaches Cuenco shared that dreams like moving into a new home or driving a new car don’t need to wait for December. With early planning and the right financial partner, families can start working toward these milestones today.
Here’s what the Happy Holideals promo includes for home and car loan applicants:
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Waived fees of up to PHP100,000
Including mortgage registration fees, documentary stamp tax, and notarial fees.
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Low interest rates
Car loan rates start at 8.70% per annum, while home loans begin at 6.50% per annum for a minimum 3-year term.
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Free first-year car insurance
Provided by AXA Philippines for new car loans.
Borrowers who apply and get approved by October 15, 2025 and book their loan by October 31, 2025 are eligible for these perks.
Applications can be done online via Metrobank’s website or through any branch.
Why This Matters for Filipino Families
The holiday season often becomes a period of both joy and pressure—especially when expenses pile up. Metrobank’s early initiatives offer Filipinos a chance to approach the season differently:
Whether it’s the car your growing family needs or the home you’ve been dreaming of, Metrobank wants to support Filipinos in making these milestones a reality—one smart decision at a time.
To learn more about the Happy Holideals promo or how to join the #EarlyGIFT Challenge, visit Metrobank’s website or check their official social media pages.
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