You can afford more home than you think.

Did you know that if you’re earning a total family income of ₱50,000, you can loan up to over ₱2.5 million from different financing platforms? That’s more than enough to afford a Sarangani model! To check how much you can loan, you can use our affordability calculator below.

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Let's run the numbers one more time.

While these numbers are subject to change based on the rate fixing period and prevailing interest rates, they should give you a good idea of how to budget for your CUBO.

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Ready to apply?

Depending on your chosen financer, you can apply online or offline. If you need our help applying, you can fill up the loan application form and email it to financing@cubo.ph.

  • Loan Term: Up to 30 years

    Interest Rates: 5.25% to 9.75%

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  • Loan Term: Up to 20 years

    Interest Rates: 7% to 8.5%

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  • Loan Term: Up to 20 years

    Interest Rates: 7% to 8.25%

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  • Loan Term: Up to 20 years

    Interest Rates: 7.5% to 8%

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  • Loan Term: Up to 20 years

    Interest Rates: 8.25% to 9.5%

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Financing FAQs

Who's eligible to apply for a home loan?

Eligibility requirements will vary per financing partner but in general, applicants are eligible if they fall within the following:

›› Filipino Citizen or Foreign National
›› At least 21 years old but not exceeding 65 years old at the end of the loan term
›› Minimum gross family income of ₱50,000 per month or its equivalent in foreign currency
›› If locally employed, at least two (2) years with current company
›› If employed abroad, two (2) to three (3) years consecutive employment
›› If self-employed, at least two (2) years consecutive profitable operations

What documents do I need to prepare?

Below are the general documentary requirements. However, some financing partners may require additional documents.

Required Identification
›› Any two (2) valid government-issued IDs

Collateral Documents
›› Photocopy of Owner’s Duplicate Copy of TCT/CCT
›› Photocopy of the updated Tax Declaration, Tax Clearance, and Tax Receipt
›› Vicinity or location map of the property

Proof of Income Documents
IF LOCALLY EMPLOYED:
›› Latest Certificate of Employment indicating position, length of service, and compensation
›› Latest pay slips for the last three (3) months
›› Latest Income Tax Return or BIR Form 2316
›› Latest electricity bill for the last three (3) months

IF EMPLOYED ABROAD:
›› Latest Certificate of Employment indicating position, length of service, and compensation
›› Latest pay slips for the last three (3) months
›› Latest remittance slips for the last three (3) months
›› Latest electricity bill for the last three (3) months for local household
›› Photocopy of passport
›› Photocopy of working visa (if available)

IF SELF-EMPLOYED:
›› Certificate of Business Registration from DTI or SEC, Articles of Partnership or Articles of Incorporation, and By-laws (whichever applies)
›› Latest General Information Sheet (for corporation)
›› Company profile and brief profile of key officers and stockholders
›› Income Tax Return and Audited Financial Statements for the last three (3) years
›› List of five (5) major trade suppliers and five (5) major customers with contact details
›› Latest bank statements or photocopy of passbook for the last six (6) months
›› Latest electricity bill for the last three (3) months for for both household and business

What are the loan terms and interest rates?

Loan terms with our financing partners range between 1 and 30 years. Interest rates range between 7.00% and 9.75% depending on the rate fixing period.