UCPB Customer Relations Center (+632) 811-9111   |   crc@ucpb.com   |  

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 Home Loan, buying your first home or condo is as easy as these 3 steps:
Fill out
application form

Submit all the
required documents

Wait for

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


  • 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 ₱30,000.00, or
  • You have been in business for the last 3 years

How much can I borrow?

  • The minimum loanable amount is ₱500,000.00
  • 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 (₱5,000* if within Metro Manila and ₱6,000* if outside Metro Manila). (*effective February 20, 2018)


  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

Customer Advisories

ADVISORY: Local Holidays

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

Friday, March 16, 2018 – Bajada, Magsaysay, Palma Gil, and San Pedro branches (Araw ng Dabaw – Republic Act No. 7551)
Monday, March 19, 2018 – Bajada, Magsaysay, Palma Gil, and San Pedro branches (Araw ng Pasasalamat – Proclamation No. 439)
Wednesday, March 21, 2018 – Calapan branch (20th Founding Anniversary of the Province of Oriental Mindoro – Malacañang Proclamation No.

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

Read more.


In our eStatement advisory regarding Updates on Current Accounts, we wrote: “Checkbook fee for UCPB Regular Checks, Multi-One and Perks has been adjusted effective January 15, 2018, as follows: Personal Checks (50 pcs. per checkbook) from Php175 to Php200 and Commercial Checks (100 pcs. per checkbook) from Php350 to Php500.” The updated fee for Personal Checks (50 pcs. per checkbook) should have been Php250 instead of Php200. We deeply apologize for error and confusion this may have caused. Read more.

System Maintenance Schedule: March 10, 2018 (11pm-12mn)

Please be advised that the following electronic banking channels will not be available on March 10, 2018 (Saturday) from 11:00 PM to 12:00 MN: UCPB Connect ATMs (UCPB cardholders will also not be able to transact in other banks’ ATMs) Mobile Phone Banking Point-of-Sale (POS) Terminals e-Commerce transactions (online purchases via VISA and Bancnet) CM.Biz My 1Time Payment Kindly schedule your transactions before or after the scheduled maintenance. We apologize for the inconvenience this may cause. We are doing this to ensure consistent and improved service delivery for you. Thank you. Read more.

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