Access UnionBank's 7.00% housing loan rates with Nook's free broker service and expert guidance.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
UnionBank offers some of the most competitive housing loan rates in the Philippines at 7.00% for both 1-Year Fixed and Home Equity loans. As one of the country's leading universal banks, UnionBank provides flexible financing options with accessible requirements including a minimum monthly income of just ₱30,000 and maximum debt-to-income ratio of 50%. Their loan products cater to various borrower types including private employees, government workers, BPO staff, OFWs, self-employed individuals, and professionals.
What sets UnionBank apart is their comprehensive loan purposes coverage, from foreclosed properties and home equity to new construction, pre-selling units, ready-for-occupancy homes, renovations, and reselling properties. Through Nook's partnership with UnionBank, you can access these competitive rates with streamlined processing and expert guidance throughout your refinancing journey. Our UnionBank housing loan calculator helps you estimate your potential savings and monthly payments based on current rates.
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
UnionBank currently offers housing loan rates starting at 7.00% per annum for both 1-Year Fixed and Home Equity loan products. These competitive rates are available through Nook's partnership program with streamlined application processing.
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 employees, government workers, BPO staff, OFWs/seafarers, self-employed individuals, and professionals.
UnionBank supports diverse loan purposes including foreclosed properties, home equity loans, new construction, pre-selling units, ready-for-occupancy properties, renovations, and reselling properties. This flexibility makes them suitable for various homebuying and refinancing scenarios.
UnionBank's 7.00% rates are highly competitive compared to industry averages of 7-10%. Their accessible ₱30,000 minimum income requirement and 50% maximum DTI ratio make them more flexible than many traditional lenders, especially for middle-income borrowers.
Yes, Nook can help you refinance your existing housing loan to UnionBank's competitive 7.00% rates at no cost to you. Our service includes rate comparison, application assistance, and end-to-end support throughout the refinancing process to maximize your savings.
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