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Home Loans

 







  • Flexible loan term
  • Competitive interest rates
  • Fast processing
  • Extensive partnerships with top real estate developers and brokers



  • 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 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
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?
  • Post-dated checks
  • 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).

  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 loans@ucpb.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.

And let UCPB do the rest!

  • 24/7 CRC ATM Concern
  • CRC Assistance




ATTENTION: Batangas Clients

Please be advised that pursuant to Proclamation No. 2367, UCPB Batangas, Lemery, Lipa-Recto and Tanauan Branches will be closed on Saturday, July 23, 2016 in celebration of Mabini Day.
Our ATMs and other electronic banking channels will be available even during holidays.
Thank you.

ATTENTION: UCPB E-Money Cardholders

Effective July 23, 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) 811-9191 or email crc@ucpb.com.
Thank you.

ATTENTION: Sorsogon Branch Clients

Please be advised that starting July 15, 2016, UCPB Sorsogon will not be open on Saturdays. New banking hours will be from Monday to Friday, 9:00AM until 4:00PM.
Thank you.

U-Pay, U-Win Promo
Get a chance to win exciting prizes when you pay your bills through UCPB!
Per DTI- FTEB SPD Permit No. 9033, Series of 2016

Click here for the complete promo mechanics.
Click here for the list of utility companies, credit cards and other institutions which you can pay through UCPB.

ATTENTION: UCPB Multi-One, Regular Checking and PERKS Accountholders

Effective July 1, 2017, please be advised that only checks that comply with the New Check Design Standards and Specifications will be accepted for clearing. Learn more.

ATTENTION: Unit Investment Trust Fund participants / clients of the UCPB Peso Bond Fund (UPBF) and UCPB Balanced Fund (UBF)

Please click here for information on the amendments to UPBF and UBF benchmarks effective May 13, 2016.

ATTENTION: All UCPB Current Accountholders

Please be advised that your issued and negotiated (physical) checks will no longer be provided in your July 2016 Statement of Account. The scanned images of the said checks are already available and integrated in the hard and electronic copies of your account statements.
For inquiries, please contact your maintaining branch or UCPB Customer Relations Center at 811-9111 or crc@ucpb.com.
Thank you.

ATTENTION: Remittance Beneficiaries

To ensure compliance with the regulations set by the Anti-Money Laundering Council (AMLC) and the Bangko Sentral ng Pilipinas (BSP), please remind your sender or your sender's remitting bank to provide complete information on your expected remittance transaction.

Use of Friction Pens

For your convenience and protection, please do not use Friction Pens when signing checks, bank forms and legal documents as Friction Pens can be erased . Kindly use only regular ball point pens and sign pens.
Thank you.

ATTENTION: All UCPB ATM and eMoney Cardholders

UCPB'S OFFICIAL STATEMENT ON THE TURNOVER OF UCPB TO GCG

IMPORTANT NOTICE: Submission of Borrower Information to the Credit Information Corporation

Changes in Bills Payment and other ATM Services due to BancNet Migration

ATTENTION: UCPB Multi-One, Regular Checking and PERKS Accountholders

UCPB Mastercard / Card Services Inc. Payment Instructions

US Dollar Savings Account Interest Rate Adjustment

Demonetization of New Design Series (NDS) Banknotes

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


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UCPB IS A FATCA-REGISTERED PARTICIPATING FOREIGN FINANCIAL INSTITUTION
UCPB is regulated by the Bangko Sentral ng Pilipinas. For inquiries or complaints, you may contact UCPB's Customer Relations Center
at (02) 811-9111 or the BSP Financial Consumer Protection Department at (02) 708-7087.
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