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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

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

    How much can I loan and how much will my monthly payments be?
  • 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)

  • 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 15 years for refinancing, multi-purpose loans and acquisition of vacant lots.

    How can I pay for my UCPB Home Loan?
  • Enroll your accounts to UCPB Connect (for individuals) or UCPB CM.Biz(for
     corporations) to setup recurring monthly payments
  • 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

  • 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:
    A. 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

  • B. Income Documents *Additional documents may be required
    • 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. Go to the nearest UCPB branch or UCPB Consumer Finance Business Center for

    And let UCPB do the rest!

    Important Advisory to all
    BIR eFPS-enrolled Clients

    We would like to inform you that if you were unable to file and pay your income tax/es yesterday due to the system downtime of the BIR eFPS system, we encourage you to do so today, April 16, 2014, to avoid penalties.

    Please click here for more information

    Holy Week Schedule

    All our branches will be open until 3:00PM today (Wednesday). Regular banking hours will resume on Monday, April 21, 2014.

    Our electronic banking channels - ATMs, Mobile Phone Banking, Connect and Telebanking will be available during this time.

    Please click here for more information

    Attention: All Meralco Subscribers

    For Meralco subscribers who have received the new electric bill, please replace the previously enrolled SIN with the first 11 digits of the ATM/Phone Reference No. when paying through the UCPB ATM, Internet Banking, Mobile Banking and Telebanking facilities.

    Please click here for more information

    UCPB Accountholders

    Please be advised that there will be an update in the charges for selected services and transactions.

    Please click here for more information

    UCPB ATM at Glorietta 4 is now online

    For your ATM needs, you may visit UCPB ATM located at the 2nd floor, Glorietta 4, Ayala Center, Makati City. This is near the bridge connecting Glorietta and SM Makati.

    Warning Against Phishing
    Please click here to learn more.

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