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Home Loans

Own your dream house or renovate your home with the UCPB Home Loan!

If you have been employed or in business for at least 2 years with a minimum gross monthly income of P50,000.00, you are qualified to apply for a UCPB Home Loan.

Please choose from UCPB Home Loan Offerings:
  • 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
  • Multi-purpose loan (your existing home will be your collateral)

    Loanable Amount:
  • Minimum loanable amount is P500,000.00
  • Use our loan calculator here to compute loanable amount based on your
        desired monthly payments.

    Loan Terms:
  • Loans shall be payable for a maximum of 15 years in equal monthly
        amortizations

    Interest Rate:
    Click here to see our competitive interest rates.

    Payment Convenience:
  • 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

    Processing Requirements:

    Information on personal data and income
  • Properly accomplished loan application form with ID of all borrowers /
        signatories

  • If employed:
    - Income Tax Return or Certificate of Creditable Tax Withheld at Source for at least
      three (3) years
    -Certificate of Employment and Salary ; payslip for the past three (3) months

  • If in business:
    - Income Tax Return and Audited Financial Statement for three (3) years
    - In-House Financial Statements for at least three (3) years (if necessary)
    - Certificate of Business Registration (SEC / DTI)
    - Articles of Incorporation / Partnership and By-Laws
    - Business Background / Company Profile
    - List of major suppliers and customers (pls. indicate telephone number and
      contact person)


  • Additional requirements
    - Marriage Contract (if applicable)
    - Bank Statements / Certification
    - Titles to properties owned but not offered as collateral (if any)
    - Lease contracts of income generating properties (if any)
    - OR/CR of vehicles owned (if any)
    - Stock Certificates (if any)


    Information on collateral property
  • Photocopy of the title
  • Certified lot plan and location / vicinity map
  • If loan is for construction / renovation, Bill of materials, Building plans and
        specifications


    If loan is for refinancing
  • Statement of account from the creditor / mortgagor

    Insurance Requirements
  • Mortgage Redemption Insurance (MRI) which shall guarantee the payment of
        the outstanding real estate loan in case of death of the principal borrower before
        the maturity of the loan. This shall be compulsory to all borrowers regardless of
        age.
  • Fire insurance coverage on the improvement equivalent to its appraised value.
        Premium payments shall be paid annually by the borrower


    Interested in UCPB Home Loans?
    Download the application form here
    Send by email to crc@ucpb.com
    Or contact your nearest UCPB branch to learn more.

    Still looking for a house or condominium unit?  View UCPB’s assets for sale here.

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    Weekly Market Commentary February 13, 2012
    Wall of Money
    Please click here to learn more.

    Attention: Conduit Clearing Arrangement (CCA.Biz) Clients with SFTP access
    Please be advised that we will be archiving the check images uploaded in our SFTP facility starting February 1, 2012.
    Please click here to learn more.

    Warning Against Phishing
    Please click here to learn more.

    Ilaya Branch Relocation
    UCPB Ilaya Branch has moved to a new location so we can serve you even better.

    The new UCPB Branch, which will now be called UCPB Soler, is located in front of 168 Mall.
    Please click here to learn more.

    UCPB is now accepting donations for the victims of Typhoon Sendong
    Donate now and help save lives!
    Please click here for more information.

    U-remit Instant Cash Promo Extension
    Please be informed that the U-remit Instant Cash Promo is extended until March 31, 2012. Please click here for more details.

    Click here to view ATM safety tips.

    Attention: Current Account Holders
    You may still use your old checks (with the old dorsal format) until your stocks run out. Click here for more information.

    Revised Fee for Bank Deposit Certification Required by the British Embassy
    Due to changes in the British Embassy's requirement for Bank Deposit Certifications, we are revising our Bank Deposit Certification Fee from P210.00 to P250.00 effective February 1, 2011.

    For your information and guidance.
    Thank you. click here

    Attention: UCPB Savings Account and Interest-bearing Current Account Holders 
    Please be informed that in keeping with market trends, we are adjusting the interest rate on our regular savings account as follows: click here

    Attention: UCPB Checking Account Clients
    Effectivity Date of New Policy on Insufficiently- Funded Check Moved to January 24, 2011

    The Bangko Sentral ng Pilipinas' new policy on insufficiently-funded checks will take effect January 24, 2011 instead of January 1, 2011 as earlier announced.

    The BSP moved the date to give the banks and the banking public more time to prepare for the implementation of this new policy.

    For your information and guidance. Thank you.

    Frequently Asked Questions on BSP Circular 681
    What is BSP Circular 681?
    BSP Circular 681 mandates all banks to return checks that are DRAWN AGAINST UNCLEARED DEPOSITS (DAUD) and DRAWN AGAINST INSUFFICIENT FUNDS (DAIF), no later than 7:30 a.m. of the next clearing day. This new policy will take effect on January 24, 2011.
    click here

    New BSP Regulation on Insufficiently Funded Checks 
    The Bangko Sentral ng Pilipinas (BSP) has issued BSP Circular 681, which mandates banks to return checks that are not sufficiently funded no later than 7:30 a.m. of the next clearing day. click here

    New Check Format
    We wish to inform you that Philippine banks started implementing in September 2010 the new standard format for the dorsal portion or the backside of checks. click here



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