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Houses in nature.
International Home Loans

Begin your journey home

Finance a new home outside the US with no collateral

Make coming home the best part of every journey. Buy or build your perfect home, purchase land, or pay off an existing mortgage outside the US. Our international home loans are exclusive to UN staff and designed for their global lifestyles. 

Square bar diagram.
Customized limits

Borrow a portion of the property value with a maximum of up to 90% if qualified.1

Line options.
Flexible lending

We specialize in understanding UN contract terms, often enabling us to lend to more members at competitive rates.

Board check.
Quick approval process

Receive our decision in as little as five business days once we have all required documents.2

Home loans tailored to your goals

Purchase a home or land, build your dream house, or refinance an existing mortgage outside the US with no collateral. Both of our unsecured home loan options bring you closer to your home goals.

  • Checkmark.

    No collateral required

    Unlike with a mortgage, the home or land you purchase will not be used to secure the loan.

  • Calendar.

    Choose a term that fits your lifestyle

    We offer terms as short as six months or as long as 15 years. Qualify for a lower rate when you select a shorter loan term. 

  • House checkmark.

    Fixed rates starting at 10.75% APR3

    Borrow at a competitive rate with predictable monthly payment amounts.

  • Star reward.

    Earn extra dividends & fee rebates

    Your loan balance with us contributes to your eligibility for Member Loyalty Rewards.

Choose from two loan options

Unfinished houses being built.

International home build loan

Build the home of your dreams outside the US. Borrow a lump sum that you can use in increments or in full over two years. Pay interest and principal on only the amount that you use.

House in nature.

International property loan

Purchase a home or land, or refinance an existing mortgage outside the US. The approved loan amount is paid directly to the seller, lawyer, or agent. Borrow up to your approved loan amount in any increment.

International home loans details

Included with an international home loan

Loan amount

Included with an international home loan

Up to 90% of property

Rate

Included with an international home loan

Fixed starting at 10.75% APR3

Term

Included with an international home loan

6 months to 15 years
(shorter terms offer lower rates)

Collateral required

Included with an international home loan

None

Decision time

Included with an international home loan

As little as five business days2

Application fee

Included with an international home loan

$0.00

Pre-payment penalties

Included with an international home loan

$0.00

Origination fee

Included with an international home loan

$0.00

Disbursement time

Included with an international home loan

As little as two business days2,4

Member Loyalty Rewards

Included with an international home loan

Credit Life Protection

Included with an international home loan

Credit Disability Debt Protection

Included with an international home loan

Enroll for a fee

Consistent monthly payment amounts

Included with an international home loan

Eligibility for international home loans5

Qualified UN staff member with a professional or field service contract earning income in USD or currencies stable against the US dollar. You must also have a minimum of one year of UNFCU membership or five years of UN employment.

Qualified UN National Professional Officer (NPO) or General Service staff with a minimum of one year of UNFCU membership or five years of UN employment. You must also be located in an eligible country6 and have: 

  • Established monthly payroll deposits to a UNFCU account, and   
  • Received at least three consecutive payroll deposits to your designated UNFCU account. 

 

Qualified UN retiree receiving a pension in USD or currencies stable against the US dollar.

House in nature.

Apply for an international home loan

Complete your online application 24/7 from anywhere in the world.

Apply today

Top international home loans FAQs

These loans are a hybrid model. During the first two years of the loans, you can borrow up to your approved loan amount in any increment. You only pay interest on the amount you borrow. These characteristics are similar to a credit line. Unlike the other credit lines we offer, the amount you may borrow is not replenished with each payment.

All UNFCU loans are in US dollars (USD).

Unsecured loans are not backed by collateral. This means there is no asset for the lender to claim if the borrower is unable to pay back the loan. Our unsecured personal loan is an example of an unsecured loan.

A secured loan requires an asset as collateral. For example, a mortgage is a secured loan. The home being purchased is used as collateral to secure the mortgage. In the event the home buyer is unable to repay the mortgage, the lender can claim the property.

For unsecured loans and secured auto loans, the term of your loan is one of several factors that determine the rate. The term of the loan does not impact the rate for a secured with deposit loan. For lines of credit, including credit cards, term is not applicable. 

You can select your term as part of the application process. Loans with shorter terms usually have lower interest costs but higher monthly payments than loans with longer terms. Term options range from six to 180 months, depending on the loan. The loan officer who reviews your application may contact you to discuss a different term than the one you selected. This will be based on our assessment of how much you can afford to pay each month.

Please contact us as soon as possible to inform us of your future plans. If you receive a final entitlement, we may apply the full amount or a portion of it to cover the amount you owe. We will discuss your options with you.

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More home ownership options outside the US

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Disclosures

  1. Your approved loan amount could be less than the amount you requested due to a number of factors. All applicants are subject to credit approval. Loan eligible members can have a combined individual maximum amount of $150,000 in unsecured loans, including unused lines of credit. This total lending limit can be extended to $225,000 if you have or are applying for one of our international home loans. Members who joined UNFCU via UNA-USA or KI USA must be a member for at least 12 months to qualify for an unsecured loan.
  2. Factors such as the volume of loan applications received may affect this time frame.
  3. APR = Annual Percentage Rate. Creditworthiness, UN contract type, loan amount, and the term of your loan will determine actual APR. All rates are subject to change without prior notice. This loan is only available to qualified United Nations employees and retirees.
  4. Receive the loan amount in as few as two business days after your application is approved.
  5. All applicants must be in good standing. A member is not in good standing if any of the following are true:
    • The member does not have a fully funded Membership Share.
    • The member has exceeded the limits of their credit card or line of credit.
    • In the last 12 months, the member has made:
      • More than one late payment for a single loan or credit card, or;
      • More than two (2) late payments across all of their loans and credit cards.
    • In the last 12 months, due to insufficient funds, the member has had:
      • More than one returned payment for a single deposit account, or;
      • More than two returned payments across all of their deposit accounts.
    • Additional criteria or guidelines may apply.
  6. Due to factors such as currency volatility, unsecured loans are not available to NPOs and General Service staff in: Belarus, Cuba, Iran, North Korea, Russia, and Syria. Unsecured loans may not be available to members employed in UN missions or agencies that have plans to close or downsize their staffing levels.