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
email@example.com 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.
With our recent system upgrade, we encourage all UCPB cardholders to try their UCPB ATM cards in any UCPB ATM and report any issue encountered with their ATM transaction to
or their respective UCPB maintaining branches.
For cardholders who encountered the 'INVALID PIN' error, please visit your UCPB maintaining branch or the nearest UCPB branch. If you need to withdraw cash, you may do so via over-the-counter in the meantime, free of charge. Just bring your ATM card and two (2) valid government issued IDs.
to learn more.
for complete promo mechanics.
Please be advised of the following local holidays and the UCPB branches that will be closed:
Thursday, September 29, 2016 – Iligan Branch (Diyandi Festival – Board Resolution No. 05-849 and 05-848)
Friday, September 30, 2016 – Masbate Branch (Cityhood Anniversary - Proclamation No. 51)
Saturday, October 1, 2016 – Legaspi and Naga Branches (Company Event)
Monday, October 3, 2016 – Cotabato, Kidapawan and Zamboanga Branches (Islamic New Year – Presidential Decree No. 1083)
Our ATMs and electronic banking facilities are available even during holidays. Thank you.
Please be advised that starting August 27, 2016, Masbate and Tanauan Branches will not be open on Saturdays. The new banking hours will be:
Masbate Branch – Mondays to Fridays from 9:00am to 3:00pm
Tanauan Branch - Mondays to Fridays from 9:00am to 4:30pm
Also, effective September 10, 2016, UCPB Lemery Branch will not be open on Saturdays. New banking hours will be from Monday to Friday, 9:00AM until 3:00PM.
Please be advised that starting August 13, 2016, UCPB Lipa-Recto will not be open on Saturdays. New banking hours will be from Monday to Friday, 9:00AM until 3:00PM.
Effective August 26, 2016, UCPB eMoney Cards will no longer be accessible through the UCPB Connect Internet Banking Facility.
You may continue to use your UCPB eMoney Card through UCPB ATMs, BancNet ATMs, Point of Sale (POS) terminals and UCPB branches nationwide.
For assistance, please call the UCPB Customer Relations Center at (02) 811-9111 or email
for the complete promo mechanics.
for the list of utility companies, credit cards and other institutions which you can pay through UCPB.