Guide on UnionBank Home Loan Requirements 2025 You Must Submit to Apply
UNIONBANK HOME LOAN REQUIREMENTS 2025 – Employed loan applicants must submit these documents to apply for the loan offer.
Are you one of the people who dream of moving on to your own space soon? It does not have to take years to mark that milestone. You can start taking the step now with excellent loan offers like the Home Loan offer of the UnionBank.
The UnionBank is one of the most trusted banks in the Philippines. With several branches across the nation, its offers are really accessible. Aside from the UnionBank Cash Loan offer that is multi-purpose, it also has a Home Loan offer for those who dream of buying a house through an installment scheme.
The UnionBank Home Loan offer is ready to finance the purchase of a residential property whether it is a vacant residential lot, a house and lot, a townhouse, or a condominium unit. Which of them do you prefer? You can check the UnionBank Home Loan requirements for application below.
There is a general UnionBank Home Loan requirements for all applicants regardless whether you are employed or self-employed. Here is a guide some of the documents that you need to prepare for the loan application:
- duly-accomplished UnionBank Home Loan Application Form
- valid Government Issued Identification Card
- Any One:
- PhilID / ePhilID / Printed PhilID
- Passport
- Driver’s License
- PRC ID
- NBI Clearance
- GSIS e-card / GSIS ID (membership ID)
- SSS ID / Unified Multipurpose ID (UMID)
- Senior Citizen Card (Digitized)
- ID issued by the National Council on Disability Affairs
- Philhealth Insurance Card ng Bayan (Digitized)
- Overseas Workers Welfare Administration ID (Digitized)
- OFW ID
- Postal ID (Digitized)
- Voter’s ID (Digitized)
- TIN (Digitized)
- Private company ID, of companies regulated by SEC, BSP, IC (For companies enrolled in the Bank corporate payroll program)
- IBP ID
- School ID
- Any Two:
- Government office and GOCC ID
- Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
- Seaman’s Book
- Alien Certification of Registration / Immigrant Certification of Registration
- Barangay ID / Certification
- Any One:
- Proof of billing address
- Marriage Contract (if married) / Certificate of No Marriage (if single)
- valid Government Issued Identification Card for nominated Attorney in Fact (AIF) (if applicable)
- valid Alien Certificate of Registration (ACR) with permanent residency status and official receipt (if applicable)
For employed individuals who want to apply for the offer, there are additional UnionBank Home Loan requirements for application — the proof of income. You may submit the following to prove your capacity to repay the loan:
- Latest Certificate of Employment (COE) with compensation
- Latest 3 months pay slips
- Latest BIR stamped Income Tax Return (ITR) or Form 2316
Of course, the UnionBank also requires collateral documents as part of the UnionBank Home Loan requirements for application. Here’s a guide:
Accredited Real Estate Developer
- Contract to Sell (CTS)
- Reservation Agreement
- Statement of Account
Non-Accredited Real Estate Developer
- Photocopy of Owner’s Duplicate Copy of the Transfer Certificate of Title (TCT)
- Photocopy of Latest Tax Declaration
- Location or Vicinity Map
- Valid Government Issued Identification Card (ID) of Seller/s (if married, include ID of spouse)
- Authorization Letter to conduct Appraisal of Property with Contact Details, Contact Person, and Property Location
- Appraisal Fee
Aside from the Home Loan, the bank also offers the UnionBank Credit Card.