Purchase a residential lot, house and lot, condominium or townhouse
Renovate or construct on your already-owned lot
Refinance an existing mortgage from another bank
Multi-purpose loan (collateral can either be your primary residence, secondary home or vacant lot)
Do I qualify for a UCPB Home Loan?
You have been employed for the last 12 months with a minimum gross monthly income of P30,000.00, or
You have been in business for the last 3 years
How much can I borrow?
The minimum loanable amount is P500,000.00
Maximum of 70% of the appraised value for house and lot, townhouses and condominium units
Maximum of 60% of the appraised value for vacant lot
Maximum of 80% of the contract price for accredited developers
How long is the loan term?
The maximum loan term is 20 years for construction and acquisition of house and lot, townhouses and condominium units.
The maximum loan term is 10 years for refinancing, multi-purpose loans and acquisition of vacant lots.
How can I pay for my UCPB Home Loan?
Enrolment of UCPB account for Automatic Debit Arrangement
How much is the monthly amortization?
Your payment structure will be determined by how much you are willing to pay as downpayment, how long your loan term is, or how much you can set aside as monthly payments.
We can provide consultation services to design a payment package suited to your needs.
What are the developers accredited with UCPB?
What if the developer is not accredited with UCPB?
A non-refundable appraisal fee will be collected from the borrower (P3,500 if within Metro Manila and P4,500 if outside Metro Manila).
Choose the property to be acquired
Identify a house and lot or a condominium unit of your choice
Inquire with UCPB for the list of accredited developers and their projects
We've made it easier for you to own homes with our accredited developers by designing special packages! No more appraisals, no more surveys.
Fill up an application form then submit along with the necessary requirements:
Duly Accomplished Application Form
Download application form
If you want to fill up form online then print for submission
Download Editable Form You will need
Adobe Reader to access this form. Download . here If you want to print the form and fill it up using your handwriting or a typewriter
Download Printable Form 2 Valid Government-issued ID's
If you are locally employed:
Certificate of Employment (COE) indicating salary, position and length of service Latest Income Tax Return or Certificate of Creditable Tax Withheld at Source (BIR Form 2316)
If you are an OFW:
Certificate of Employment (COE) duly authenticated by Philippine Consulate
Crew Contract & Exit Pass validated by POEA (for Seamen)
Payslips for the last 3 months Notarized or authenticated Special Power of Attorney (UCPB prescribed format)
Articles of Incorporation / By-laws / SEC Registration / DTI Registration
Audited Financial Statements and ITR for the last 3 years
Bank Statements for the past 6 months
List of Trade References (at least 3 names with telephone numbers of
Interested in UCPB Home Loans?
Download the application form
here Send by email to
firstname.lastname@example.org or send by fax to (02) 811-9104 Call the UCPB Consumer Loans hotline at (02) 811-9100 (weekdays, 8:30AM to 5:00PM)
Or contact your nearest
UCPB branch to learn more.
Still looking for your home? View UCPB's assets for sale here.
Please be advised of the following local holidays and the UCPB branches that will be closed:
Thursday, May 5, 2016 – Santiago Branch (Balamban Festival)
Thursday, May 5, 2016 – Zamboanga Branch (Observance of Isra Wal Miraj)
Monday, May 9, 2016 – All UCPB Branches (National Elections)
Our ATMs and electronic banking facilities are available even during holidays. Thank you.
For your convenience and protection, please do not use Friction Pens when signing checks, legal documents as Friction Pens can be erased . Kindly use only regular ball point pens and sign pens.
Please be advised that effective June 1, 2016, cash withdrawals using other banks' ATMs will be charged P15.00 per transaction.
Click here to learn more.
Please be advised that due to UCPB's migration to BancNet, there will be changes to the payment modes of some bills payment billers. Furthermore, ATM services such as inter-bank fund transfers, mobile phone reload and Fastcash (P500 withdrawals) are temporarily unavailable until further notice.
Effective January 4, 2016, please be advised that checks with
erasures, alterations, or incomplete information will no longer be acceptable for clearing.