What you need to know How you can apply for a Home Loan

about UCPB Home Loan UCPB Home Loan

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 P40,000 or
• You have been in business for the last 3 years
Where can I use my UCPB Home Loan?
• Purchase a residential lot, house and lot, condominium or townhouse
C
1. Choose your preferred property to be acquired
• Identify a house and lot or a condominium unit of your choice; or
• Ask for a list of UCPB 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. “Enjoy the
2. Fill up the application form that comes with this brochure and
submit together with the following requirements:
excitement

M
•
•
Construct a house on a lot you already own
Renovate or expand your existing house
A. Housing Loan Application Form
• Duly accomplished Application Form of moving in!”
Y
• Refinance an existing mortgage from another bank • 2 Government-issued valid IDs
CM
• Multi-purpose loan (using your current home as collateral) B. Income Documents (Additional documents may be required)
MY
How much can I borrow? • If you are locally employed:
• The minimum loanable amount is P500,000 - Certificate of Employment indicating salary, position and length of service
• High loanable amounts
CY

- Latest Income Tax Return

How long is the loan term?
CMY

• If you are an OFW:

• Quick processing
K

• The maximum loan term is 15 years

How can I pay for my UCPB Home Loan?
• Enroll your accounts to UCPB Connect (for individuals) or
UCPB CM.Biz (for corporations) to set up 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 down payment, how long your loan term is, and how much you can set aside
as monthly payments.
3. Go to the nearest UCPB Branch or UCPB Consumer Finance Business Center
• We can provide consultation services to design a payment package suited
to your needs.
- Certificate of Employment duly authenticated by the Philippine Consulate
- Crew Contract and Exit Pass validated by POEA (for Seamen)
- Original Payslips for the last 3 months • Low interest rates
- Notarized or authenticated Special Power of Attorney (BFSB 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 For more information, please inquire through:
- List of Trade References (at least 3 major suppliers/customers and their contact numbers) Any UCPB Branch
UCPB Consumer Finance Business Center
UCPB Customer Relations Center
for consultation Hotline: (632) 811-9111 Toll-free: 1-800-1-888-9777 www.ucpb.com/ loans@ucpb.com
Let UCPB do the rest! For any concerns, you may contact us at (02) 811-9111 or email at crc@ucpb.com. UCPB is supervised by the Bangko Sentral ng Pilipinas
with telephone number (02) 708-7087 and email address consumeraffairs@bsp.gov.ph.
 HOME LOAN APPLICATION
Individual/ Sole Proprietor

PERSONAL INFORMATION
Name of Borrower (Last Name, First Name, Middle Name) Age Gender
Male Female
Civil Status Birthday (mm-dd-yyyy) Birthplace Nationality
Single Married Widow/Widower Legally Separated
E-mail Address Telephone Number Mobile Phone Number Facsmile Number ACR (For Foreigner, indicate
ACR No, date and place
Educational Attainment TIN SSS/ GSIS Number issued)
High School College Post-Graduate
RESIDENCE INFORMATION
Present Home Address (No., St., Subd./ Village, Brgy, District, Town/ Mun., City, Province, Country) Zip Code Length of Stay
___ Years ___ Months
Home Ownership
Owned (not mortgaged) Owned (mortgaged) Owned by Parents
Rented from ________________________ Monthly Rental ________________ Others (specify) _______________________________
Permanent/ Provincial Home Address (No., St., Subd./ Village, Brgy, Dist., Town/ Mun., City, Prov.) Zip Code Length of Stay
___ Years ___ Months
Home Ownership
Owned (not mortgaged) Owned (mortgaged) Owned by Parents
Rented from ________________________ Monthly Rental ________________ Others (specify) _______________________________
EMPLOYMENT/ BUSINESS INFORMATION
Employment Status
Permanent Probationary Contractual Unemployed/ Retired Self-Employed Others (specify) _____________________
Name of Present Employer/ Business Date of Employment/
Incorporation

Source of Income/ Funds Nature of Work/ Business

Salary Business Regular Remittance Interest/ Commission Others (specify) ____________
Address of Employer/ Business (No., Street, Subd./ Village, Brgy, District, Town/ Municipality, City, Province, Country) Telephone Number

Position Unit/ Department

Entry Level Supervisor Senior Management Director Sales Others (specify) ___________
List of Companies/ Businesses where the Borrower is Director, Officer, Stockholder/ Authorized Signatory (Please use separate sheet if necessary)

DEPENDENTS (Please use separate sheet if necessary)

Name School Grade/ Year Course

SPOUSE/ CO-BORROWER INFORMATION

Name of Co-Borrower (Last Name, First Name, Middle Name) Relationship to Applicant Age Gender
Male Female
Civil Status Birthday (mm-dd-yyyy) Birthplace Nationality
Single Married Widow/Widower Legally Separated
E-mail Address Telephone Number Mobile Phone Number Facsmile Number ACR (For Foreigner, indicate
ACR No, date and place
Educational Attainment TIN SSS/ GSIS Number issued)
High School College Post-Graduate
Present Home Address (If different from Applicant) (No., St., Village, Brgy, Dist., Town, City, Province) Zip Code Length of Stay
___ Years ___ Months
Home Ownership
Owned (not mortgaged) Owned (mortgaged) Owned by Parents
Rented from ________________________ Monthly Rental ________________ Others (specify) _______________________________
Permanent/ Provincial Home Address (No., St., Subd./Village, Brgy, Dist., Town/ Mun., City, Prov.) Zip Code Length of Stay
___ Years ___ Months
Home Ownership
Owned (not mortgaged) Owned (mortgaged) Owned by Parents
Rented from ________________________ Monthly Rental ________________ Others (specify) _______________________________
Employment Status
Permanent Probationary Contractual Unemployed/ Retired Self-Employed Others (specify) _____________________
Name of Present Employer/ Business Date of Employment/
Incorporation

Source of Income/ Funds Nature of Work/ Business

Salary Business Regular Remittance Interest/ Commission Others (specify) ____________
Address of Employer/ Business (No., Street, Subd./ Village, Brgy, District, Town/ Municipality, City, Province, Country) Telephone Number

Position Unit/ Department

Entry Level Supervisor Senior Management Director Sales Others (specify) ___________
LOAN DETAILS
Amount of Loan Applied for Equity Available Term of Loan (years)
Cash Lot
Purpose Address of Property to be Financed (No., Street, Subd./
Acquisition Construction Home Improvement Village, Brgy, Dist., Town/ Mun., City, Prov., Country)
Primary Home Refinancing Multi-purpose
Secondary Home Others (specify) __________________________
Mailing Instructions Will Borrower occupy the property to be financed?
Deliver to the office Others (specify) __________________________ Yes No
COLLATERAL DETAILS
Type of Property TCT/ CCT Number
House and Lot Lot Townhouse Condominium Unit Others (specify) _____________________
Address of Property (No., Street, Subdivision/ Village, Barangay, Dist., Town/ Municipality, City, Province, Country) Area (sqm)

TCT/ CCT in the Name of Total Asset Value

FINANCIAL INFORMATION
Bank Accounts (Please use separate sheet if necessary)
Name of Bank Branch Account Number Account Type

Credit Cards (Please use separate sheet if necessary)

Name of Bank/ Company Credit Card Credit Card Expiry Date Member Since
Number Limit

Loans with Other Banks/ Institutions (Please use separate sheet if necessary)
Name of Bank/ Company Branch/ Address Monthly Outstanding Balance Remaining Term
Payment

Income Computation (Annual)

Applicant’s Income Spouse’s/ Co-Borrower’s Other Income Gross Income
+ Income + =

OTHER BANK SERVICES TO BE AVAILED

PERSONAL REFERENCES
Name/ Relationship Address (No., Street, Subdivision/ Village, Barangay, District, Town/ Contact Numbers
Municipality, City, Province, Country)

AUTHORIZATION, WAIVER AND UNDERTAKING

Upon my/our written consent and that of the co-borrower, UCPB may for my/our account, advance the payment of
insurance premiums with respect to any collateral, personal or real property, that shall be mortgaged, pledged or
assigned to UCPB as security for the loan being applied for. I/we, jointly and severally, undertake to reimburse UCPB
for such advances upon demand subject to such interest and charges based on the same interest rate applicable to the
loan, if granted.
I/we hereby authorize UCPB to conduct, through its representative or accredited appraiser, an appraisal of any or all of
the collaterals offered as security for the Loan. We agree that the appraisal report shall be the property of UCPB and
for its sole use only.
In connection with my/our loan application, verification of information, evaluation and/or processing of the loan
(and other credit accommodations) with UCPB, I/we hereby authorize(s) UCPB:
1. To verify with internal revenue authorities and other persons or entities the authenticity of any income or other
tax returns, financial statements, and other credit and financial data and information which I/we have submitted,
or will submit, to UCPB.
2. To inquire into my/our deposits, funds or assets in the custody of UCPB, or its parent, financial subsidiaries or
affiliates, or other persons for the limited purpose of verifying information on my/our said deposits and assets
or implementing any collateral arrangement, assignment of funds, debit authorization or set-off provisions that
may be under the loan and collateral documents.
3. To inquire into, transfer, disclose, submit, share and communicate any credit and financial data and information
of whatever nature, including updates or corrections thereof, pertaining to me/us, as applicant and/or borrower,
fully paid or otherwise, with:
a. Any of UCPB’s offices and branches,
b. UCPB’s parent company, financial subsidiaries and affiliates,
c. UCPB’s agents, counsels, representatives, service providers and other third parties selected by any of them
d. Any credit information bureau, banking or credit industry association, or credit information service provider
and credit/ loan provider, including the Credit Information Corporation (CIC), and
e. Other lenders as authorized by the CIC and credit reporting agencies duly accredited by the CIC.
For purposes of Republic Act No. 9510 and its Implementing Rules and Regulations, I/we hereby acknowledge
that this Application, when signed by me/us, serves as NOTICE duly received by me/us from UCPB that my/our
basic credit data as defined under said law and regulations shall be disclosed as required therein.
To the extent reasonably necessary for UCPB and the data and information recipients to exercise the above rights
and to discharge the functions and responsibilities of the inquiring or disclosing parties and for as long as I/we have
an outstanding loan or credit accommodation with UCPB (or its successors and assigns) and/or as necessary and
required under existing laws, rules and regulations, I/we hereby waive my/our rights under applicable laws on
confidentiality of information or data (such as, but not limited to, Republic Act Nos. 1405, 6426, 8791 and 9510 and
their amendatory laws.)
CERTIFICATION AND SIGNATURE
I/we certify and warrant that all data and information provided in this Application as well as in all supporting or related documents I/we have
submitted to UCPB are true and correct as of date hereof and any information given herein or obtained pursuant to this and under the authority
granted in this Application shall be deemed property of UCPB. I/We agree that in the event any information given herein or in the supporting
or related documents is not true or incorrect, UCPB may reject this Application or cancel any approval if already made and UCPB is under no
obligation to disclose the reason for such disapproval. I/we hereby acknowledge that I/we have read and understood the foregoing
Authorization, Waiver and Undertaking given in this Application and agree to be bound by its terms.
Signed this _______ day of ____________________ 20_______ at __________________________________.
________________________________________ ______________________________________________
Signature over Printed Name of Borrower Signature over Printed Name of Spouse / Co-Borrower
FOR BANK USE ONLY
Source (UCPB Branch/ Developer/ Agent) Name of Product Officer/ Sales Agent Date of Application
Politically Exposed Person Clearing Employee BSP Employee CIF No.
Yes No Yes No Yes No
UCPB Form No. 7-8035 3/2016