Thisis an example of aHTMLcaption witha link.

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 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: Local Holidays

Please be advised of the following local holidays and the UCPB branches that will be closed:
  • Thursday, November 26, 2015 - Dasmarinas Branch (Foundation Day)
  • Friday, November 27, 2015 - Paniqui and Tarlac branches (Birth Anniversary of Ninoy Aquino)

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

ATTENTION: Bancnet Migration

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.

Click here to learn more.

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.

Click here to learn more.

UCPB Mastercard / Card Services Inc. Payment Instructions

US Dollar Savings Account Interest Rate Adjustment

Demonetization of New Design Series (NDS) Banknotes

Anti-Money Laundering (AML) Scam

ATM Safety Tips

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

About the UCPB Group | Terms and Conditions | Rates & Minimum ADBs | Privacy & Security | Contact Us | Bookmark!
UCPB Group © 1997. All Rights Reserved 2011 |
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.
The UCPB website and its applications are best viewed using Mozilla Firefox 10 or higher, Safari or Google Chrome with 1280 x 800 resolution.