The Unicapital Group of Companies is a leading independent financial services provider in the Philippines that focuses on providing an integrated range of products and services through the three companies that comprise the group – Unicapital Inc., Unicapital Finance and Investments, Inc., and Unicapital Securities, Inc. The synergy of these three companies allows the Group to provide expert financial solutions that fulfill our customers’ needs and fuel the growth of their success.
Unicapital Inc. is a duly licensed full-service investment house that aims to provide a wide array of finance and investment banking-related products and services. Since incorporation, we have successfully established ourselves as an active player in the trading, underwriting, and distribution of fixed income and equity securities in the Philippines and provision of financial advice to our corporate clients.
Unicapital Finance and Investments, Inc. is a leading finance company that provides services ranging from loans to financing. We are dedicated to provide a mix of traditional and innovative products and services which are tailor-fit to the ever-changing needs of our customers – SMEs, sole proprietorships, individuals, and large corporations as well.
Unicapital Securities, Inc. is a leading brokerage house duly licensed by the Securities and Exchange Commission and is a member of the Philippine Stock Exchange. Established in 1997, USI opened its doors offering its clients with traditional brokerage services and has since then managed to create a name for itself as an active player in the trading of equity securities. Having recognized the growth opportunity in the retail segment, it formally launched its online platform UTrade in 2014.
HOW DO I APPLY FOR A LOAN?
There are several ways in which you can apply for a loan. Please see below:
1. You can download the form structuredfinance@unicapital-inc.com or sending us a message via our facebook page at www.facebook.com/ULoan. One of our marketing assistants will assist you and send you the forms along with the list of requirements.
3. For more urgent credit requirements, you may also visit us during our office hours at our Makati head office.
WHAT ARE THE REQUIREMENTS FOR A LOAN APPLICATION?
Credit requirements are generally dependent on the type of loans. Please see below the list of requirements per type of loan facility:
Personal/Salary Loan
Forms:
o Loan Application Form Click Here
o Data Privacy Consent Form Click Here
Other Requirements – Borrower:
o Certificate of Employment
o 2X2 ID picture (with signature at the back)
o Latest 3 months payslips
o Copy of company ID
o Copy of any government ID (if Philhealth, include Philhealth ID#)
o Copy of latest Income Tax Return (ITR)
o Any proof of billing with receipt of payment
o Latest 3 months payroll bank statement
o Latest 3 months checking account (if with post-dated checks)
o Certificate from landlord (if applicable)
Requirements – Co-maker:
o Forms:
Loan Application Form Click Here
Data Privacy Consent Form Click Here
Co-maker Statement Form
o Other Requirements:
Two (2) valid government IDs
Any proof of billing
Proof of Income
Small Business Loan
Forms:
o Loan Application Form Click Here
o Data Privacy Consent Form Click Here
Other Requirements – Borrower:
o Copy of latest business permit and barangay permit
o List of suppliers
o Photo of business office space/office area
o Sketch of residence and business
o 2X2 ID picture (with signature at the back)
o Two (2) valid government IDs
o Proof of billing of business
o Proof of billing of residence
o Latest 3 months bank statement
o Copy of latest two (2) years Income Tax Return (ITR) of business
Requirements – Co-maker (Employed or Self-Employed) :
o Forms:
Loan Application Form Click Here
Data Privacy Consent Form Click Here
Co-maker Statement Form
o Other Requirements:
Two valid government IDs/company IDs
Certificate of employment
Latest 3 months payslip or business permit and barangay permit if self-employed
Proof of billing
2X2 ID picture (with signature at the back)
Copy of latest Income Tax Return (ITR)
Bank statement (if self-employed)
Seafarer’s Loan
Forms:
o Loan Application Form Click Here
o Data Privacy Consent Form Click Here
o Authority to verify form
Other Requirements – Borrower:
o Sketch of residence
o Two (2) valid IDs of immediate family and their contact numbers (Optional)
o Copy of passport
o Copy of Seaman’s book
o Seafarer’s Registration Certificate
o Latest contract with POEA validation
o Copy of allotment slip
o Copy of service record (embarkation and disembarkation)
o Proof of billing and receipt of payment
o Barangay clearance (if renting or billing is not under borrower’s name)
Requirements – Co-maker:
o Forms:
Loan Application Form Click Here
Data Privacy Consent Form Click Here
Co-maker Statement Form
o Other Requirements:
Two valid government IDs
Proof of income
Proof of billing
Corporate Loan
Forms:
o Loan Application Form Click Here
o Authority to verify form (if applicable)
Other Requirements:
o By-Laws and Articles of Incorporation and amendments, if any
o Latest General Information Sheet (GIS)
o Secretary’s Certificate – for authorized signatories (if applicable)
o Corporate Profile, list of officers and organizational chart/structure
o Background of the signatories and representatives (senior management)
o List of accredited suppliers and customers with the contact information
o Latest SEC/DTI Registration
o Latest business registration papers (including business permit and Mayor’s permit)
o Latest three (3) years BIR-filed audited financial statements with corresponding notes to financials
o Latest three (3) years in-house financials with corresponding notes to financials, if available
o Latest three (3) years Income Tax Return (ITR)
o Interim financial statement
o Latest six (6) months bank statements from main depository banks
HOW MUCH INTEREST RATE IS USUALLY CHARGED?
Our interest rates are generally lower than most financing and lending companies in the industry. The interest rate also varies and is dependent on the loan facility.
WHAT OTHER FEES DO I NEED TO PAY FOR?
Standard fees will include documentary stamps, gross receipt tax, and loan evaluation fees. Depending on the type of loan facility, credit life insurance fees may also apply.
HOW LONG IS THE PROCESSING TIME FOR LOAN APPLICATIONS?
The processing lead time varies and is dependent on the loan facility. Upon submission of complete requirements, for retail and consumer loans, processing time is three to five working days. For commercial loans where credit lines may need to be structured, processing time can range from fifteen to thirty days.
HOW WILL I KNOW IF MY LOAN HAS BEEN APPROVED?
Once your loan has been approved, you will be directly contacted by one of our marketing assistants. In parallel, once approved, you will receive an email which contains the terms and conditions of your loan application in addition to the required next steps for loan availment.
HOW WILL I PAY MY LOAN AMORTIZATIONS?
You can pay your loan amortizations by providing us with post-dated checks (PDCs) or via our accredited payment centers or banks nationwide, as listed below:
· MLhullier
· Banco de Oro (BDO)
· Metrobank
· Chinabank
· Eastwest Bank
· UCPB
For more details, you may call and inquire with our Financial Services Officers via our direct line at (+632) 8403-0656 or via the trunkline at (+632) 8892-0991 for assistance .
HOW DO I OPEN AN ACCOUNT? WHAT ARE THE REQUIREMENTS?
1. Click here to fill up the UTrade online trading application forms with your information. Print and affix your signature in the required fields.
2. Collate your application documents and requirements. Submit at least one (1) valid identification document based on the list given below:
· Driver’s License
· Passport
· Digitized SSS/GSIS ID
· Unified Multi-Purpose ID (UMID)
· Voter’s ID
· Professional Regulations Commission (PRC) ID
· Postal Identity Card
· Senior Citizen’s ID
In the absence of a primary ID, you may, however, temporarily submit at least two (2) secondary identification documents. Refer to the list given below:
· Government office ID – if employed
· PhilHealth ID
· Pag-IBIG ID
· Tax Identification Number (TIN)
· Seaman’s Book
· OFW ID
· OWWA ID
· Police or NBI Clearance
· Barangay Certificate
· Birth Certificate
· Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
· Department of Social Welfare and Development (DSWD)
There are additional requirements for both resident and non-resident foreigners. Click here for a list of additional requirements.
Once the form has been filled up and all requirements have been completed, please submit application documents and requirements to our Makati head office.
3. What is the minimum initial deposit to open a UTrade account?
The minimum initial deposit required is ten thousand Philippine pesos. (Php10,000)
HOW CAN I FUND MY UTRADE ONLINE ACCOUNT?
You can fund your UTrade account via over-the-counter deposit or online banking payments at any of the banks listed below:
Banco de Oro (BDO)
Bank of the Philippine Islands (BPI)
China Banking Corporation
MLhuillier (over-the-counter only)
For immediate crediting to your UTrade account, send a screenshot of your deposit slip or online transaction slip to deposits@unicapital-inc.com.
Click here for detailed guidelines on how you can fund your account.
WHEN CAN I START TRADING? HOW DO I START TRADING ONLINE?
You can begin trading once your account has been funded and activated. Upon approval and activation, you will receive an email notification indicating your username, default password, and trading pin.
Click here to learn more about how to trade online and use the UTrade platform.
WHAT ARE THE FEES FOR EVERY TRANSACTION?
1. BUY Transactions
UTrade charges the following for a BUY transaction:
o Commission: 0.25% of the gross value or a minimum commission of Php20.00 for accounts without an assigned agent or broker. For accounts handled by an agent or broker, commission rates may vary.
o Value-Added Tax: 12% of the commission charge
o Transaction Fee: 0.005% of gross trade value
o SCCP Fee: 0.01% of gross trade value
o EW Tax: 10% of the commission (for Institutional Accounts)
2. SELL Transactions
UTrade charges the following for a SELL transaction:
o Commission: 0.25% of the gross value or a minimum commission of Php20.00 for accounts without an assigned agent or broker. For accounts handled by an agent or broker, commission rates may vary.
o Value-Added Tax: 12% of the commission charge
o Transaction Fee: 0.005% of gross trade value
o SCCP Fee: 0.01% of gross trade value
o Sales Tax: 0.60% of trade value
o EW Tax: 10% of the commission (for Institutional Accounts)
WHICH MUTUAL FUNDS CAN I BUY THROUGH THE UTRADE PLATFORM?
UTrade by Unicapital Securities, Inc. is a licensed mutual fund distributor and registered with the Securities and Exchange Commission (SEC). The funds we currently distribute via the UTrade platform are the following:
· ATR Asset Management, Inc (ATRAM)
· BPI Investment Management, Inc. (ALFM)
· First Metro Asset Management, Inc. (FAMI)
· Philam Asset Management, Inc. (PAMI)
· Philequity Asset Management, Inc. (PEMI)
· Sunlife Asset Management, Inc. (SLAMCI)
WHAT ARE THE DIFFERENT TYPES OF MUTUAL FUNDS?
There are different types of funds which you can invest in depending on your financial goals and needs. The below are the different types of fund which you invest in through UTrade:
HOW DO I EARN FROM MUTUAL FUNDS?
Returns are determined by the movement in Net Asset Value Per Share (NAVPS). An increase in NAVPS means that you can redeem the shares of a mutual fund for a higher value. You may also earn money through dividend payouts from the mutual fund itself.
WHAT FEES ARE CHARGED FOR MY INVESTMENT IN MUTUAL FUNDS?
With UTrade, there is NO sales load charged with each subscription regardless of initial investment or additional investment. There are likewise no redemption fees charged by UTrade.
HOW DO I INVEST IN MUTUAL FUNDS WITH UTRADE? HOW DO I REDEEM IN MUTUAL FUNDS
To start investing in mutual funds, go to “EXCHANGE” then “MUTUAL FUND” to see all available mutual funds to invest in. For first-time investors, a suitability questionnaire will automatically prompt to be answered. The questionnaire is designed in order to assess your risk profile as an investor and will automatically show recommended mutual funds to be invested in. This, however, will not limit you to invest in these funds. The invest may opt to show all funds available via a filter and sort function available.
How do I invest?
If you are interested to invest, you can do so by going to our website. After filling up the contact form, the form will automatically be downloaded and you can print, fill up, and collate together with the necessary requirements.
Once everything is complete, send us your completed documents at the below address. You can also send us an email at treasury@unicapital-inc.com for any questions or concerns.
Attention: Treasury/Fixed Income Investments
Address: 3rd Floor, Majalco Building, Benavidez cor. Trasierra streets, Legaspi Village, Makati, 1229
What requirements do I need to submit if I want to invest?
The requirements for CORPORATE/INSTITUTIONAL investors are the following:
– Unicapital Account Opening Form
– Unicapital Signature Cards
– Identification documents of the signatories (signatories to sign 3x beside the ID)
– Articles of Incorporation (certified true copy by Corporate Secretary)
– By-Laws (certified true copy by Corporate Secretary)
– GIS (certified true copy by Corporate Secretary)
– Secretary’s Certificate/Board Resolution (authorizing the Corporation to invest in fixed income products with Unicapital Inc.)
– Secretary’s Certificate (stating the Corporation’s authorized signatories)
– PDTC Specimen Signature Document
– PDTC Investor Registration Form
– BTR NROSS Special Power of Attorney
– BTR Investor’s Undertaking
The requirements for INDIVIDUAL investors are the following:
– Unicapital Account Opening Form
– Unicapital Signature Cards
– Identification documents of the signatories (signatories to sign 3x beside the ID)
– Data Processing Consent and Warranties Form (Unicapital Inc.)
– FATCA Form
– PDTC Specimen Signature Document
– PDTC Investor Registration Form
– BTR NROSS Special Power of Attorney
– BTR Investor’s Undertaking
Note: Additional documents may be required depending on the issuance.
The above-mentioned forms are available and can be downloaded here. (The word here will direct them to proceed to the page which lists all the forms)
Is there a minimum investment?
The minimum investment varies and will depend on the decision of the issuer of the bond. These details will be provided when there are new issuances.
When will I receive my interest?
Interest payments or coupon payments will be paid depending on the security which you invested in. These can be paid monthly, quarterly, semi-annually, or annually. The coupons will be credited to the settlement bank which you assigned when you opened the account.
What is the tax rate on my investment?
The tax on interest or coupon for a regular investor is 20%. For tax-exempt institutions, tax rate is at 0%.
What are the eligible identification documents (IDs) that I can submit?
– Passport
– Driver’s License
– Digitized SSS/GSIS ID
– Unified Multi-Purpose ID (UMID)
– Voter’s ID
– Professional Regulations Commission (PRC) ID
– Postal Identity Card
– Senior Citizen’s ID
– Government office ID – if employed
– PhilHealth ID
– Pag-IBIG ID
– Tax Identification Number (TIN)
– Seaman’s Book
– OFW ID
– OWWA ID
– Police or NBI Clearance
How do I pay for my investment?
You can deposit and transfer funds to any of the following banks:
Banco De Oro Unibank
Branch: Asia-Tower Paseo
Account Name: Unicapital, Inc.
Account Number: 530 800 9045
Metrobank
Branch: Rada-Rodriguez
Account Name: Unicapital, Inc.
Account Number: CA-310-7-31051605-4
China Bank
Branch: Legaspi-AIM
Account Name: Unicapital, Inc.
Account Number: 115-143781-9
East West Bank
Branch: Salcedo
Account Name: Unicapital, Inc.
Account Number: 200001686622
Union Bank of the Philippines
Branch: Dela Rosa
Account Name: Unicapital Inc.
Account Number: 00-097-002013-2
Please send a copy of the deposit slip or transfer confirmation to treasury@unicapital-inc.com.
How do I buy or sell my investments?
We make sure that our clients get the best price and best execution for their investment needs. You can call, email, or send a message to our salesmen for live prices and execution of your buy and sell instructions. Please see below contact details of our fixed income market salesmen for Unicapital Inc.:
Marie M. Hing
Email: mmh@unicapital-inc.com
Phone: +632-8892-0991 local 21
Maria Lourdes Monedero
Email: lcm@unicapital-inc.com
Phone: +632-8892-0991 local 37
You can also send an email to treasury@unicapital-inc.com.
When do I settle my trades?
For investments in Corporate bonds, settlement date is 3 banking days (T+3) after the transaction date. For investments in Government Securities, settlement date is 1 banking day (T+1) after the transaction date.
What is the cut-off time to execute trade transactions?
For transactions done on or before 11:30am, transaction date is on the same day. For transactions done after the cut-off, transaction date is the next banking day.
What fees do I have to pay for my transaction?
For investments in Corporate Bonds:
– Broker’s Fees
1. If tenor is one (1) year or less, fee is a flat fee of ten basis points (10bps) of the face value multiplied by the remaining term/360
2. If tenor is over one (1) year, fee is dependent on the volume:
– Transaction Fee
1. If tenor is one (1) year or less, fee is a flat fee of 25 basis points (25bps) of the face value multiplied by the remaining term/360
2. If tenor is over one (1) year, fee is a flat fee of 25 basis points (25bps) of the face value
– Other Charges (as needed):
1. Account-Opening Fee: Php100
2. Transfer Fee: Php100/side (buyer and seller)
3. Request for Certification: Php200/account
4. Certificate of Correction: Php100/per BP ID
5. Request for Reprint: Php50
6. Depository Maintenance Fee: 0.50 bps per annum of face amount of total Depository securities account
7. Uplift Fee: 0.1bps of face amount
8. Non-transfer Fee: Php100 (transferor side)
For investments in Government Securities:
– Broker’s Fees
1. If tenor is one (1) year or less, fee is a flat fee of ten basis points (10bps) of the face value multiplied by the remaining term/360
2. If tenor is over one (1) year, fee is dependent on the volume:
– Other Charges (as needed):
1. Request for Certification: Php200/account
2. Certificate of Correction: Php100/per BP ID
3. Request for Reprint: Php50
4. Request for Reports: Php100/report
HOW DO I CONTACT UNICAPITAL AND ITS SUBSIDIARIES?
You can contact Unicapital at the contact at the address and contact details below:
Address: 3rd Floor, Majalco Building, Benavidez cor. Trasierra streets, Legaspi Village, Makati City
Landline: (02) 8892-0991
Fax: (02) 8818-2127
Email Addresses:
Loans: structuredfinance@unicapital-inc.com
UTrade: utrade@unicapital-inc.com/equities@unicapital-inc.com
