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Take the first step in owning your dream house with UCPB HomEasy Loan

Take the first step in owning your dream house with UCPB HomEasy Loan
Accredited-Developers-Button  Apply-Now-Loans

Get the home to call your own.

Take the first step in owning that dream house. With UCPB HomEasy Loan, buying your first home or condo is as easy as these 3 steps:

1
Fill out
application form

2
Submit all the
required documents

3
Wait for
approval

Talk to one of our loan account officers to avail of the UCPB HomEasy.

 

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

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  • 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).

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  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
      • 2 Valid Government-issued ID’s
    2. Income Documents
        1. 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!

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For more information, please contact
UCPB Trust Banking Group:
(02) 811-9520, 811-9515, or 811-9541
trust@ucpb.com

Recent Articles

System Maintenance Schedule: October 22, 2017

Please be advised that the following electronic banking channels will be unavailable on Sunday, October 22, 2017, from 12 midnight until 6 am: UCPB ATMs (UCPB cardholders will also not be able to transact in other banks’ ATMs) UCPB Connect UCPB CM.Biz UCPB Mobile Phone Banking Service Point-of-Sale Terminals e-Commerce transactions (internet purchases via VISA and BancNet) Kindly schedule your electronic banking transactions before or after the scheduled service interruption. We apologize for the inconvenience that you will experience during this time. We are doing these to ensure consistent and improved service delivery for you. Thank you. Date published: October 18, 2017 Read more.

ADVISORY: Local Holidays

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

Friday, October 27, 2017 – Angeles branch (Tigtigan Terakan Keng Dalan – Presidential Proclamation No. 323)

Our ATMs and electronic banking facilities are available even during holidays. Thank you.

Read more.

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