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• Construct a house on a lot you already own• Renovate or expand your existing house• Refinance an existing mortgage from another bank• Multi-purpose loan (using your current home as collateral)

How much can I borrow?• The minimum loanable amount is P500,000

How long is the loan term?• 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. • We can provide consultation services to design a payment package suited to your needs.

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.

2. Fill up the application form that comes with this brochure and submit together with the following requirements:

A. Housing Loan Application Form • Duly accomplished Application Form • 2 Government-issued valid IDs

B. Income Documents (Additional documents may be required) • If you are locally employed:

- Certificate of Employment indicating salary, position and length of service - Latest Income Tax Return

• If you are an OFW: - 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 - 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 - List of Trade References (at least 3 major suppliers/customers and their contact numbers)

3. Go to the nearest UCPB Branch or UCPB Consumer Finance Business Center for consultation

Let UCPB do the rest!

What you need to knowabout UCPB Home Loan

How you can apply for aUCPB Home Loan

“Enjoy the excitement of moving in!”

Any UCPB BranchUCPB Consumer Finance Business CenterUCPB Customer Relations Center Hotline: (632) 811-9111 Toll-free: 1-800-1-888-9777 www.ucpb.com/ loans@ucpb.com

For more information, please inquire through:

• High loanable amounts• Quick processing• Low interest rates

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.

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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

HOME LOAN APPLICATION Individual/ Sole Proprietor

PERSONAL INFORMATION Name of Borrower (Last Name, First Name, Middle Name)

Age Gender Male Female

Civil Status Single Married Widow/Widower Legally Separated

Birthday (mm-dd-yyyy)

Birthplace Nationality

E-mail Address

Telephone Number Mobile Phone Number Facsmile Number ACR (For Foreigner, indicate ACR No, date and place issued)

Educational Attainment High School College Post-Graduate

TIN

SSS/ GSIS Number

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) Rented from ________________________

Owned (mortgaged)

Monthly Rental ________________

Owned by Parents 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) Rented from ________________________

Owned (mortgaged)

Monthly Rental ________________

Owned by Parents 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 Salary Business Regular Remittance Interest/ Commission Others (specify) ____________

Nature of Work/ Business

Address of Employer/ Business (No., Street, Subd./ Village, Brgy, District, Town/ Municipality, City, Province, Country)

Telephone Number

Position Entry Level Supervisor Senior Management Director Sales Others (specify) ___________

Unit/ Department

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 Single Married Widow/Widower Legally Separated

Birthday (mm-dd-yyyy)

Birthplace Nationality

E-mail Address

Telephone Number Mobile Phone Number Facsmile Number ACR (For Foreigner, indicate ACR No, date and place issued)

Educational Attainment High School College Post-Graduate

TIN

SSS/ GSIS Number

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) Rented from ________________________

Owned (mortgaged)

Monthly Rental ________________

Owned by Parents 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) Rented from ________________________

Owned (mortgaged)

Monthly Rental ________________

Owned by Parents 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 Salary Business Regular Remittance Interest/ Commission Others (specify) ____________

Nature of Work/ Business

Address of Employer/ Business (No., Street, Subd./ Village, Brgy, District, Town/ Municipality, City, Province, Country)

Telephone Number

Position Entry Level Supervisor Senior Management Director Sales Others (specify) ___________

Unit/ Department

LOAN DETAILS Amount of Loan Applied for Equity Available

Cash Lot Term of Loan (years)

Purpose Acquisition

Primary Home Secondary Home

Construction Refinancing

Home Improvement Multi-purpose

Address of Property to be Financed (No., Street, Subd./ Village, Brgy, Dist., Town/ Mun., City, Prov., Country)

Others (specify) __________________________ Mailing Instructions

Deliver to the office

Others (specify) __________________________ Will Borrower occupy the property to be financed?

Yes No COLLATERAL DETAILS

Type of Property House and Lot Lot Townhouse Condominium Unit Others (specify) _____________________

TCT/ CCT Number

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 Number

Credit Card Limit

Expiry Date Member Since

Loans with Other Banks/ Institutions (Please use separate sheet if necessary)

Name of Bank/ Company Branch/ Address Monthly Payment

Outstanding Balance Remaining Term

Income Computation (Annual) Applicant’s Income +

Spouse’s/ Co-Borrower’s Income

+

Other Income =

Gross Income

OTHER BANK SERVICES TO BE AVAILED

PERSONAL REFERENCES Name/ Relationship Address (No., Street, Subdivision/ Village, Barangay, District, Town/

Municipality, City, Province, Country) Contact Numbers

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

UCPB Form No. 7-8035 3/2016