UnionBank offers competitive housing loans starting at 7.00% p.a. — and if you already have a home loan, Nook can help you refinance for free and potentially save thousands every month.
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Why this matters
UnionBank is one of the Philippines' most digitally forward banks, and their housing loan product reflects that — with competitive fixed rates starting at 7.00% p.a., flexible loan purposes ranging from ready-for-occupancy purchases to home renovation and equity takeout, and a streamlined application process. Whether you're a salaried employee, OFW, BPO worker, or self-employed professional, UnionBank's housing loan is designed to accommodate a wide range of borrower profiles. The minimum monthly income requirement is 30,000 and the maximum debt-to-income ratio is 50%, making it accessible for many Filipino households. For a full breakdown of rates and what to expect at each step, see our UnionBank Housing Loan 2026 rates and application guide.
To qualify, you'll generally need to be a Filipino citizen (or a foreign national married to one) between 21 and 65 years old at loan maturity. Required documents typically include a valid government-issued ID, your latest ITR or BIR Form 2316, certificate of employment and compensation (for salaried applicants), or audited financial statements (for self-employed), plus property documents such as the Transfer Certificate of Title (TCT) and a current tax declaration. Getting these ready in advance will significantly speed up your application. You can review the complete document checklist in our UnionBank housing loan requirements and documents guide.
Already paying off a home loan — whether with UnionBank or another bank — and wondering if you can do better? Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We compare rates across multiple lender partners and handle the paperwork so you don't have to. Many homeowners are still locked into rates of 8–10%, when options as low as 5.99% p.a. are now available through Nook. Use the savings calculator above to see how much you could save, then apply in minutes. Interest rates are subject to change — always verify current rates with your lender or through Nook before making a decision.
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 accepts applications from Filipino citizens and foreign nationals married to Filipinos who are at least 21 years old and will not exceed 65 years of age at loan maturity. Eligible employment types include private and government employees, BPO workers, OFWs and seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income of 30,000.
You'll need at least one valid government-issued ID, a filled-out loan application form, and income documents — for salaried applicants, this means your latest ITR or BIR Form 2316 and a Certificate of Employment; for self-employed applicants, you'll need audited financial statements for the past two years. You'll also need property documents including the Transfer Certificate of Title, tax declaration, and a vicinity map or location plan.
UnionBank currently offers a 1-year fixed rate of 7.00% p.a. for standard housing loans, and the same rate applies to home equity loans. Rates are reviewed and re-priced at the end of each fixed-rate period, so your rate may change after the initial term — it's worth comparing options before you commit.
UnionBank's housing loan covers a broad range of purposes: purchase of a ready-for-occupancy (RFO) or pre-selling property, acquisition of a resale home, new construction, renovation, foreclosed property purchase, and home equity or re-appraisal loans. This makes it one of the more versatile home loan products available from a Philippine bank.
Yes — if you currently have a home loan with another bank and want to take advantage of UnionBank's rates, Nook can help you refinance at no cost to you. Nook is a free digital mortgage broker that manages the entire process, from comparing lender options to submitting your documents. Visit our UnionBank refinance page to get started and see how much you could save.
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