AUB in the Philippines

Asia United Bank or (AUB) is a universal bank with its headquarters located at Joy-Nostalg Center, 17 ADB Ave., Ortigas Center, Pasig. On October 3, 1997, AUB was registered with the Securities and Exchange Commission and started to operate as a commercial bank on October 31, 1997. In 2013, AUB was given authority by the […]

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Asia United Bank https://upfinance.com/app/uploads/2019/08/aub.jpg
Joy~Nostalg Center, No. 17 ADB Avenue, Ortigas Center, Pasig City, Philippines
(02) 631-3333 / (02) 638-6888, customercare@aub.com.ph
Interest rate 0.39% - 2.95%
Loan tenure from 1 to 240 months
Approval duration Up to 120 hours
Min. monthly income

Leading

Jacinto L. Ng (Chairman) Ramon Y. Sy (Vice Chairman) Abraham T. Co (President & CEO)

Shareholders

Hasinto Ng - 100% of the shares

Product Features

Min. financing amount ₱ 2000
Max.financing amount ₱ 10000000
Min. loan tenure 1 months
Max. loan tenure 240 months

Credit

Home loan

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years 1 3 5
fixed rates APR 6% 6.5% 7%

Minimum loan amount: 500 000 PHP
Maximum loan amount: Up to 80% of assessed value
Payment terms: Up to 20 years
Approval time: 5 banking days

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Motor Vehicle Loans

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years 1 2 3 4 5
fixed rates APR 5% 5,3% 5,5% 6% 7%

Minimum loan amount: 200 000 PHP
Maximum loan amount: 5 000 000 PHP
Payment terms: 12-60 months
Approval time: 1-3 banking days
Down payment: As low as 20% of purchase price

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Salary loan

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Your company must be accredited with AUB!
Interest Rates: 1,63% per month
Minimum loan amount: 30 000 PHP
Maximum loan amount: 250 000 PHP
Minimum basic salary: 10 000 PHP per month
Payment terms: Up to 36 months
Approval time: 1 – 5 banking days

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Seafarers Loan

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Must have completed at least one (1) employment contract at the time of loan application
Interest Rates: From 1,63% per month
Minimum loan amount: 30 000 PHP
Maximum loan amount: 500 000 PHP
Minimum gross salary: USD$1,000.00
Payment terms: Up to 36 months
Approval time: 1 – 5 banking days

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Borrower Requirements

Eligibility:
– 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 (if applicable)
Income Requirements:
Employed
– 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)

Business loan

BUSINESS LOANS
Take advantage of individual loan services that meet the unique needs of your business.

Short Term Loans


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Interest Rates: From 1,63% per month
Denominated in both Peso and Dollar

Description: Credit line facility for working capital with a maximum tenor of one year.

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Long-Term Loans


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Interest Rates: From 1,63% per month
Denominated in both Peso and Dollar

Description: Term loans for plant construction or expansion including purchase of other capital requirement. Tenor is usually 3 to 7 years.

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Loan Calculator

%
Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
Total
₱ 10661.85

Domestic Bills Purchase Line

Description: Outright purchase of the client’s checks upon deposit of these checks in the client’s deposit account.

Foreign Bills Purchase Line

Description: Outright purchase of the client’s dollar-denominated or third-currency denominated drafts upon deposit of these drafts in the client’s deposit account.

PDC Discounting Line

Description: A credit facility wherein the clients receivables, in the form of post date checks, are discounted with a bank to obtain funds.

Deposited

PESO SAVINGS
Enjoy the safety of the book and earn a fixed interest on your savings.

The Peso ONB Savings Account allows you to take advantage of a regular interest-earning account with bankbook protection. This encourages you to develop a good savings habit.

When you open an account, you have the opportunity to choose whether you want to use the EMB ONB debit card for convenient access to ATMs or to have only a book.

FEATURES

  • Initial deposit Php 500.00
  • ADB minimum monthly requirement [1] Php 500.00
  • Interest rate per year 0.30%

COST AND PAYMENT

  • Account closure within 30 days Php 100.00
  • Below minimum balance Php 100.00
  • Rest account Php 30.00
  • Interest tax withholding 20.00%

Credit Card

AUB classic MasterCard

Rates:  2.95% per month
Minimum Amount:  The nominated amount by the CARDHOLDER or the sum of the following, whichever is higher:
a) Installment Transactions billed (billed charges for availing installment facilities);
b) Fees and finance charge;
c) A percentage of the total amount due, less above-mentioned letter a.
PLUS, past due amount and over limit, if any.

AUB platinum and gold MasterCard

Rates:  1.6% per month
Transfer your Rewards Points to Mabuhay Miles Frequent Flyer Program. Click here to Learn More.
Enjoy a complimentary airport lounge access when you travel.

Card Type Equivalent Points to 1 Mile Equivalent Spend to 1 Mile Minimum Miles Required for Conversion
AUB Gold
AUB Platinum
5 AUB POINTS PHP 100
(5 AUB PTS x PHP20 SPEND = PHP100 SPEND PER MILE)
4,000 MILES
EQUIVALENT TO 20,000 AUB POINTS
(4,000 MILES x 5 AUB POINTS = 20,000 AUB POINTS

FAQ

The maximum amount depends on income, AUB provides a loan for an amount not exceeding 500,000 PHP.

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Yes, you can get a loan if you meet the Bank’s requirements:
– The applicant must be a citizen of the Philippines, at least 21 years old, but not older than 60 years at the time of repayment of the loan.
– At least one (1) employment contract must be completed at the time of applying for a loan
– Minimum gross salary of us $ 1,000
– Photocopy of the employment contract with POEA stamp
– Photocopy of the seaman’s passport and book
– of the seafarer’s registration certificate (SRC)
– Departure certificate issued by the staffing Agency
– Powers to deduct from the AUB account

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AUB grants such a loan only to employees of accredited enterprises.

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The monthly loan payment should not exceed 25% of net profit.

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No, is not required for collateral.

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The maximum period for which bank issue a salary loan is 36 months.

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The longest loan period is 20 years.

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There is no single solution. If you need the lowest monthly payment, then take loan for the maximum possible period. If you are not sure that you will have a consistently high income, then take as little time as possible.

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No, the car is your property from the moment of purchase, but remains the bank’s guarantee for the loan period. This means that you cannot sell the car, and you also have to pay for car insurance so that the bank can receive its money in any case.

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Initial registration is usually done by agents, so you get a copy of OR / CR. You must remember that the initial registration is valid for 3 years, so after that you need to renew it annually in LTO.

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Contacts

Full company name Asia United Bank
Address Joy~Nostalg Center, No. 17 ADB Avenue, Ortigas Center, Pasig City, Philippines
Phone number (02) 631-3333 / (02) 638-6888
E-mail customercare@aub.com.ph
Social networks

Asia United Bank or (AUB) is a universal bank with its headquarters located at Joy-Nostalg Center, 17 ADB Ave., Ortigas Center, Pasig.
On October 3, 1997, AUB was registered with the Securities and Exchange Commission and started to operate as a commercial bank on October 31, 1997.
In 2013, AUB was given authority by the Central Bank of the Philippines to operate as a universal bank.
In 2018, AUB plans to open 15 new branches, which will bring its network size to 264 by the end of the year.

Users rating

Reviews

8 months ago

Superior service

Attentive attitude to customers, good service. I received a loan for the amount I need without problems!

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