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Home Loans


  • High Loan Amounts
  • Quick processing
  • Low interest rates
  • Available nationwide
  • Extensive partnerships with top real estate developers and brokers

  • Purchase a residential lot, house and lot, condominium or townhouse
  • Construct a house on your already-owned lot
  • Renovate or expand your existing house
  • Refinance an existing mortgage from another bank
  • Multi-purpose loan (collateral can either be your primary residence, secondary home or vacant lot)
Am I eligible to apply for a UCPB Home Loan?
  You are qualified to apply for a UCPB Home Loan if:
  • 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
Who are UCPB's accredited developers?
  • Get special deals and faster processing when you choose to purchase from our accredited developers. Click here.
How much can I borrow?
  • The minimum loanable amount is P500,000.00
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?
  • Issue post-dated checks
  • Enroll your UCPB account for Automatic Debit Arrangement
How much amortization should I expect to pay?
  • 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.

  1. 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.

  2. Fill up an application form then submit along with the necessary requirements:
    1. Housing Loan Application Form
      • 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

    2. Income Documents
      • 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)

      • If Self-Employed:
        • 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 major suppliers/customers)

  3. Interested in UCPB Home Loans?
    • Download the application form here
    • Send by email to 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.

And let UCPB do the rest!

  • 24/7 CRC ATM Concern
  • CRC Assistance

ATTENTION: E-Channels Users

ATTENTION: Bancnet Migration

Please be advised that on October 20, 2015 (Tuesday), UCPB will be migrating to BancNet.

The actual migration activities will happen between 12:00 Midnight of October 19, 2015 (Monday) up to 6:00AM of October 20, 2015 (Tuesday). During this 6-hour period, you may transact using UCPB ATMs only. You will not be able to use your UCPB ATM cards in other banks' ATMs during this time.

Click here for more information.

UCPB Holds Auction for Foreclosed Properties

Over 150 residential and commercial properties nationwide are up for auction on Saturday, October 17, 2015.

Download the properties list and the auction rules here.

For inquiries, please call The Property Forum at (02) 238-3707, 0929-81-00000 or 0929-52-77777.

ATTENTION: Checking Account Holders

Effective January 4, 2016, please be advised that checks with erasures, alterations, or incomplete information will no longer be acceptable for clearing, except for warehoused Post-Dated Checks (PDCs).

Click here to learn more.

ATTENTION: Local Holidays

Please be advised of the following local holidays and the UCPB branches that will be closed:

  • Monday, October 12, 2015 - Angeles Branch (Kuliat Festival)
  • Monday, October 12, 2015 - Zamboanga Branch (Fiesta Pilar)
  • Friday, October 23, 2015 - Angeles Branch (Tigtigan Terakan Keng Dalan)

Our ATMs, Internet and Mobile Banking Facilities will be available even during the holidays.

UCPB Customer Information Update Drive

Update your customer information and get a chance to win an iPad Mini Wifi!

Permit No. 9042, series of 2015.

Click here for more information.

UCPB Mastercard / Card Services Inc. Payment Instructions

UCPB Sorsogon Branch Relocation

UCPB Sucat Branch Relocation

US Dollar Savings Account Interest Rate Adjustment

Demonetization of New Design Series (NDS) Banknotes

Euro Savings Account Interest Rate Adjustment

Anti-Money Laundering (AML) Scam

ATM Safety Tips

Meralco Payment Instructions

Service Charge Update

Antipolo / Marikina / Rizal
Caloocan / Malabon / Navotas /        Valenzuela
Treasury Desks (Vismin) New
Trust Desk (Mindanao) New

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