Home Loans

AUB Preferred Home Loan


Details Terms
Loanable Amount: Maximum loan amount of up to 80% of the appraised
value or minimum loan amount of Php 1,000,000.
Term: Flexible payment terms of up to 20 years
Interest Rate: 6.0% fixed for 1 year
6.5% fixed for 3 years
7.0% fixed for 5 years
Form of Payment: Auto Debit Arrangement
Home Rate Protect: Feature 1: + 0.25% on interest rate after the fixing period for Home Loan with excellent payment rating
Feature 2: Interest rate cap of 9% on all Home Loan


Basic Application requirements:

  • Duly Filled-out and signed application form
  • Photocopy of two (2) valid IDs each from the principal borrower and co-borrower
  • Photocopy of Marriage Contract or CENOMAR, as applicable

Collateral Requirements (**Accredited Developers)

  • Copy of collateral title (TCT /CCT)
  • Statement of Account, Reservation Agreement/ Contract to Sell**
  • Photocopy of the lot plan / vicinity map / subdivision plan
  • Photocopy of updated Tax Declaration, Tax Receipts and Tax Clearance

Income Requirements

  • Photocopy of Certificate of Employment
  • Photocopy of latest three (3) months payslip
  • Photocopy of latest Income Tax return / BIR form 2316

Self Employed

  • Photocopy of Business Registration Papers i.e., SEC Registration / Articles of
    Incorporation / By-laws / GIS or DTI Certificates Mayor's Permit / Business Permit
  • Photocopy of latest three (3) months bank statements
  • Photocopy of Audited Financial Statements (for the last 2 years)
  • Photocopy of Income Tax Return (for the last 2 years)
  • List of major trade suppliers and customers w/ contact details (if applicable)