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Interest Rate

12.85%

Monthly Repayment

14,843

1. I want to borrow
2. For how long
years
3. Fixed Term
Union Bank Housing Loan Highlight
  • Full Flexi Housing Loan
  • No Lock-In Period
Terms & Conditions
  • Minimum Age: 21 Years
  • Loan Tenure: Up to 20 Years
  • Margin of Finance: 90%
  • Suitable for: Purchase of House & Lot / Condominium, House Construction, Purchase of Lot, Refinancing, House Renovation / Expansion, Reimbursement.

Is a Union Bank Housing Loan Right For Me?

Union Bank will provide you with advice on where to buy your property along with the best options for you to pay your amortization. Building or buying your dream home now made easy.

How Much Can I Borrow With A Union Bank Housing Loan?

  • Minimum of ₱500,000
  • Maximum of 90% of the appraised value of the property.

Am I Eligible for a Union Bank Housing Loan?

Yes, if you are:

  • At least 21 years old upon loan application 
  • At most 65 years old upon loan maturity 
  • Filipino citizen or former Filipino citizen eligible under BP 185 guidelines; foreign nationals are eligible if purchasing a unit covered by CCT 
  • Individuals who are gainfully employed and with permanent status.
  • If self-employed, business must be at least 2 years in profitable operations

What Documents Will I Need to Prepare?

If locally employed:

  • Duly filled out Application form
  • Photocopy of Marriage Contract (if applicable)
  • Photocopy of any government-issued ID with picture and signature
  • Certificate of Employment
  • 3 months latest pay slips

If OFW:

  • Duly filled out Application form
  • Photocopy of Marriage Contract (if applicable)
  • Photocopy of any government-issued ID with picture and signature
  • Original Consularized Special Power of Attorney (SPA)
  • Passport with entry and exit stamps

If self-employed:

  • Duly filled out Application form
  • Photocopy of Marriage Contract (if applicable)
  • Photocopy of any government-issued ID with picture and signature
  • Business Registration
  • Latest 6 months Bank Statements
  • Financial Statements
  • ITR
  • Top 3 list of suppliers/customers with contact numbers (landline)

Sounds Great! How Should I Proceed?

You can use the Union Bank home loan calculator to calculate your monthly repayments, based on your desired property value and loan amount. Once you are ready to apply, you can make a free enquiry through iMoney, and our customer representatives will call you back. Applying for a home loan with iMoney is absolutely free of charge.

If Union Bank is not the right home loan for you, we also suggest that you look at RCBC housing loan to compare if it matches your need. If you're interested at other options, you can check out the rest of our housing loan plans listed on our website to review which is perfect for you.

Is It Easy to Repay my Union Bank Housing Loan?

Consult your nearest Union Bank branch for more details on how to repay your loan.

Apply for free

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