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UnionBank

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Build the house you’ve always wanted by applying for a UnionBank Home Loan

UnionBank embraces the future of banking and is committed to be the Philippines’ leading digital bank to best serve the growing needs of Filipinos everywhere.

The Bank has always been among the first to embrace technological innovations to empower its customers. With this, it has consistently been recognized as of one of Asia’s leading companies, ranking among the country’s top universal banks in terms of profitability and efficiency.

UnionBank’s Digital Transformation Strategy reinforced its commitment to deliver superior customer experiences and promote inclusive prosperity in the country. For several years, the Bank was renowned “Best Digital Bank” by prestigious institutions, and also recognized in areas of transformation, people, and culture. With its drive to “Tech Up Pilipinas” and be an enabler of the Philippines’ push to be a G20 country by 2050, UnionBank stands firm in its promise to power the future of banking by co-creating innovations for its customers and for a better world!

Specialising in:
Auto Loan
Home Loan
Quick Loan
Credit Card
Debit Card
Prepaid Card

Head Office
UnionBank Plaza Bldg., Meralco Ave. corner Onyx St., Ortigas Center, Pasig City, Philippines

UnionBank of the Philippines is an entity regulated by the Bangko Sentral ng Pilipinas.

You may contact the BSP – Financial Consumer Protection Department (FCPD) at
(02) 8708-7087 or
consumeraffairs@bsp.gov.ph

UnionBank

Build the house you’ve always wanted by applying for a Unionbank Home Loan

UnionBank embraces the future of banking and is committed to be the Philippines’ leading digital bank to best serve the growing needs of Filipinos everywhere.

The Bank has always been among the first to embrace technological innovations to empower its customers. With this, it has consistently been recognized as of one of Asia’s leading companies, ranking among the country’s top universal banks in terms of profitability and efficiency.

UnionBank’s Digital Transformation Strategy reinforced its commitment to deliver superior customer experiences and promote inclusive prosperity in the country. For several years, the Bank was renowned “Best Digital Bank” by prestigious institutions, and also recognized in areas of transformation, people, and culture. With its drive to “Tech Up Pilipinas” and be an enabler of the Philippines’ push to be a G20 country by 2050, UnionBank stands firm in its promise to power the future of banking by co-creating innovations for its customers and for a better world!

Specialising in:
Auto Loan
Home Loan
Quick Loan
Credit Card
Debit Card
Prepaid Card

Head Office
UnionBank Plaza Bldg., Meralco Ave. corner Onyx St., Ortigas Center, Pasig City, Philippines

UnionBank of the Philippines is an entity regulated by the Bangko Sentral ng Pilipinas.

You may contact the BSP – Financial Consumer Protection Department (FCPD) at
(02) 8708-7087 or
consumeraffairs@bsp.gov.ph

BEGINNER’S GUIDE

UnionBank Home Loans

In the Philippines, taking out a home loan is still uncommon. First-time borrowers may not have enough information on how to select the best home loan for their unique situation and future goals.

In this article, we’ll provide an overview of the UnionBank home loan that can help borrowers purchase their dream home.

What is the UnionBank Home Loan?

With a UnionBank home loan, borrowers can purchase a house, vacant lot, or condominium. It also allows borrowers to construct, renovate, or expand their homes.

What Makes the UnionBank Home Loan Unique?

UnionBank is partnered with a number of major real estate developers, such as Avida, Ayala, Camella, Filinvest, Megaworld, and SMDC. Borrowers interested in purchasing property from any of these developers will have an easier time getting their home loan approved as long as they satisfy the bank's other requirements!

What Are the UnionBank Home Loan Terms?

UnionBank requires a minimum loan amount of P500,000 and gives the borrower the option of a 10% to 99% downpayment. Borrowers can feel at ease because UnionBank allows a maximum of 20 years to pay back their loans. Additionally, UnionBank home loans grant borrowers a maximum loan amount of 90% of the property’s appraised value.

How Much is UnionBank's Interest Rate?

One of the main benefits of getting help from a mortgage broker like Nook is the lower interest rates.

Book a free consultation with Nook’s home loan experts to find out if the UnionBank home loan is right for you!

Am I Eligible for the UnionBank Home Loan?

Before applying for the UnionBank home loan, borrowers would need to satisfy the following criteria:
21 to 65 years old but not exceeding age 70 upon loan maturity
Filipino or former Filipino citizen
Employees with permanent status
Self-employed individuals whose business has been operating profitably for at least two years

What Are the Requirements of the UnionBank Home Loan?

Below are the general requirements all borrowers must submit for the UnionBank home loan:

General Documents:

These are the following
Accomplished Unionbank Home Loan application form
Valid ID (Passport, UMID, Drivers License, PIC)
Marriage contract (if married)

Income Documents:

Additional requirements are needed based on a borrower's employment classification:

If Locally Employed
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
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
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
Income Tax Return (ITR)
List of top 3 suppliers/customers with contact numbers (landline)

Collateral Documents:

These are the following
Photocopy of title
Lot plan with vicinity map
Photocopy of tax declaration

How Do I Apply for a UnionBank Home Loan?

Borrowers may apply directly to UnionBank, but this is a complicated process that requires mountains of paperwork and constant communication with the bank. Nook is here to help you get closer to owning your dream home by making home loans simple! At Nook, our dedicated team of home loan experts take over the application process and guide you every step of the way. With Nook, the only time you’ll have to visit the bank is when your home loan gets approved. The best part is, all our services are completely free.

With a home loan, you won’t need to worry about exhausting yourself paying for your dream home in full. By applying for a home loan, your dream of owning a space for yourself can be turned into reality much sooner than you expected!

Check if you qualify for the UnionBank home loan by using Nook’s speedy pre-qualification tool button below!

BEGINNER’S GUIDE

UnionBank Home Loans

In the Philippines, taking out a home loan is still uncommon. First-time borrowers may not have enough information on how to select the best home loan for their unique situation and future goals.

In this article, we’ll provide an overview of the UnionBank home loan that can help borrowers purchase their dream home.

What is the UnionBank Home Loan?

With a UnionBank home loan, borrowers can purchase a house, vacant lot, or condominium. It also allows borrowers to construct, renovate, or expand their homes.

What Makes the UnionBank Home Loan Unique?

UnionBank is partnered with a number of major real estate developers, such as Avida, Ayala, Camella, Filinvest, Megaworld, and SMDC. Borrowers interested in purchasing property from any of these developers will have an easier time getting their home loan approved as long as they satisfy the bank's other requirements!

What Are the UnionBank Home Loan Terms?

UnionBank requires a minimum loan amount of P500,000 and gives the borrower the option of a 10% to 99% downpayment. Borrowers can feel at ease because UnionBank allows a maximum of 20 years to pay back their loans. Additionally, UnionBank home loans grant borrowers a maximum loan amount of 90% of the property’s appraised value.

Am I Eligible for the UnionBank Home Loan?

Before applying for the UnionBank home loan, borrowers would need to satisfy the following criteria:
● 21 to 65 years old but not exceeding age 70 upon loan maturity
● Filipino or former Filipino citizen
● Employees with permanent status
● Self-employed individuals whose business has been operating profitably for at least two years

What Are the Requirements of the UnionBank Home Loan?

Below are the general requirements all borrowers must submit for the UnionBank home loan:

General Documents:
● Accomplished Unionbank Home Loan application form
● Valid ID (Passport, UMID, Drivers License, PIC)
● Marriage contract (if married)

Income Documents (Additional requirements are needed based on a borrower's employment classification)
If Locally Employed
● 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

Self-Employed
● 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
● Income Tax Return (ITR)
● List of top 3 suppliers/customers with contact numbers (landline)

If OFW
● 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

Collateral documents:
● Photocopy of title
● Lot plan with vicinity map
● Photocopy of tax declaration

How Much is the Interest Rate?

One of the main benefits of getting help from a mortgage broker like Nook is the lower interest rates. Book a free consultation with Nook’s home loan experts to find out if the UnionBank home loan is right for you!

How Do I Apply for a UnionBank Home Loan?

Borrowers may apply directly to UnionBank, but this is a complicated process that requires mountains of paperwork and constant communication with the bank. Nook is here to help you get closer to owning your dream home by making home loans simple! At Nook, our dedicated team of home loan experts take over the application process and guide you every step of the way. With Nook, the only time you’ll have to visit the bank is when your home loan gets approved. The best part is, all our services are completely free.

With a home loan, you won’t need to worry about exhausting yourself paying for your dream home in full. By applying for a home loan, your dream of owning a space for yourself can be turned into reality much sooner than you expected!

Check if you qualify for the UnionBank home loan by using Nook’s speedy pre-qualification tool!

Nook - Contact Us

Need help deciding which is right for you?
Talk to an expert

Book a 30-minute session and we can discuss your home loan needs and help you decide. Or chat to an expert right now.

Need help deciding which is right for you? Talk to an expert

Book a 30-minute session and we can discuss your home loan needs and help you decide. Or chat to an expert right now.

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