Calculate your UnionBank housing loan payments instantly and discover how much you could save with better rates through Nook's free refinancing service.
POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
UnionBank offers competitive housing loan rates starting at 7.00% for both 1-year fixed and home equity loans, with accessible requirements including a minimum monthly income of just ₱30,000 and maximum debt-to-income ratio of 50%. As a Nook partner bank, UnionBank provides fast processing and serves various employment types including private employees, government workers, BPOs, OFWs, self-employed individuals, and professionals.
Whether you're purchasing a foreclosed property, leveraging home equity, financing new construction, or buying pre-selling and RFO units, UnionBank's flexible loan programs can accommodate your needs. Their competitive rates and comprehensive coverage make them an excellent choice for Filipino homeowners, and through Nook's free broker service, you can access these rates without any fees or commissions.
If you're currently paying higher rates with other lenders, our calculator shows the potential savings available through refinancing. Many homeowners are surprised to discover they could save thousands monthly by switching to UnionBank's current housing loan rates or comparing options through our platform.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Our calculator uses standard amortization formulas with UnionBank's current rates to provide accurate monthly payment estimates. However, your actual rate may vary based on your credit profile, loan-to-value ratio, and specific loan program chosen.
UnionBank currently offers 7.00% rates for both 1-year fixed and home equity loans as a Nook partner bank. These competitive rates are subject to change and final approval depends on your creditworthiness and loan details.
UnionBank requires a minimum monthly income of ₱30,000 and maintains a maximum debt-to-income ratio of 50%. They accept various employment types including private, government, BPO, OFW, self-employed, and professional workers.
Yes, Nook helps homeowners refinance to UnionBank and other partner banks at no cost. We handle the application process and help you secure the best available rates based on your financial profile.
UnionBank's 7.00% rates are highly competitive in the current market, often beating rates from other major lenders. You can explore detailed comparisons and find the best option for your situation through Nook's free consultation service.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →