Fast Approval: 7 Days Avg.
Low Interest Rate: As Low As 2% Per Month/24% Per Annum
Maximum Loan: ₱15M
Flexible Loan Terms: 1 Year to 5 Years
Eligible Locations: Metro Manila, Rizal, Bulacan, Pampanga, Cavite, Laguna, Tagaytay
Easy Loan Process
STEP 1: Complete Online Info
STEP 2: Fill Out Loan Application Form & Submit Doc Requirements
STEP 3: Appraisal of Property & Approval of Loan
STEP 4: Release of Loan
Types of Loans Available For You
Mortgage Loan
Mortgage Loan refers to the type of loan that is used by people who would like to buy real estate properties like condominiums, houses, lots or buildings from developers or secondary owners.
It is also utilized by property owners who would like to raise money for whatever intent or use. The property under their name would just be used as collateral.
Loan Refinancing
Loan Refinancing simply means taking out a new loan to pay an existine loan. Filipinos usually refinance loans to get lower interest rate or to have lower monthly loan payments.
Details You Should Know
- Buy a condominium
- Buy a townhouse
- Buy a vacant lot
- Construct a house
- Refinance existing loans with banks and other financial institutions
₱3,000,000 or less
- Minimum: 1 Year
- Maximum: 5 Years
As low as 2% per month or 24% per annum
Our partner lending company will accept properties to be purchased or used as collateral on these areas:
- NCR
- Cavite
- Laguna
Credit Processing Requirements
- Photocopy of 2 valid government issued ID’s.
- Appraisal Fee of ₱1,000.
- Duly accomplished Loan Application Form
- Colored photo (1×1 or 2×2) of applicant & spouse attached to the loan application form
- Income Tax Return (ITR) for the past three (3) years, BIR Form 2316 “Certificate of Income Tax Withheld on Compensation”
- Certification of income and employment
- Certification and proof of income from other sources (income from rent, dividends, commissions, interest and other sources)
- Other requirements as maybe requested
- Duly accomplished loan application form
- Colored photo (1×1 or 2×2 size) of applicant & spouse attached to the loan application form
- Business registration
- Business permit
- Income Tax Returns with BIR stamp for the past three (3) years
- Certified financial statements for the past three (3) years plus Interim Financial Statements for the current year
- Special Power of Attorney, if applicable
- Authority to verify bank, trade and other credit dealings/references
- Other requirements as maybe requested
- Original Transfer Certificate of Title (TCT Sample)
- Certified True Copy of the TCT or CCT
- Certified True Copy of the Traceback Title (How to get Traceback Title)
- Certified True Copy of the Tax Declaration (Land & Building) of the current year (Tax Declaration Sample)
- Property Tax Clearance
- Property Tax Receipt/s of the current year
- Certificate of No Improvement (If Lot Only)
- BIR Certificate Authorizing Registration (eCAR)
- Lot / Building Plan
- Homeowner’s Clearance
- Condominium Association Dues Clearance (if applicable)
- Baranggay Clearance
- Certificate of No Marriage Record (CENOMAR) or Marraince Certificate
- Bank Statement for the past three (3) months
- Proof of Business or remittance
- Post Dated Checks
- Photocopy of TCT or CCT (Sample TCT)
- Photocopy of latest tax declaration of lot/improvement (Sample tax declaration for lot improvement & for condo)
- Photocopy of real property tax clearance from Treasurer’s or Assessor’s office
- Photocopy of latest realty tax receipts
- Vicinity map and lot plan certified by a Geodetic Engineer
- Latest photos of improvements (front, side, rear) and adjacent properties
- Certified copy of mother title/master deed of declaration (for condominiums and townhouses)
- Collateral appraisal authorization
Additional Documents For Construction Loan:
- Building plans and specifications duly signed by the Architect/Civil Engineer
- Building permit signed by the City/Municipal Engineer
- Bill of materials duly signed by the Architect/Civil Engineer
- Other requirements as maybe requested
Important Disclosure. 15% One-Time Service Charge
This loan application is best suited for people who are not eligible to get a bank loan or PAG-IBIG loan.
If you have not applied for a bank or PAG-IBIG loan yet, do so before applying here. If you will be declined from the aforementioned financial institutions, then you may return here.
Our partner lending company has a One-Time Service Charge of 15% on the approved loan amount.
For example: If you have been approved for a ₱3,000,000 loan, you may either pay the One-Time Service Charge out of your own pocket or our partner lending company will deduct the 15% (₱450,000) from your approved loan amount.
You will net ₱2,550,000 but your loan amount on record will still be ₱3,000,000.
The 15% One-Time Service Charge will cover the legal, documentary & other processing fees that would be incurred in processing the loan. This is the reason why we would like to encourage you to try first the banks and PAG-IBIG.
The great thing about this is, our partner lending company has a fixed interest rate of 2% per month. This is better option that using the in-house financing of developers; if you avail of a developer’s in-house financing, the usual monthly interest rate that they will charge is 9% or more and is subject to change. They can and will increase the interest rate overtime.
Yes, the developers doesn’t have a 15% One-Time Service Charge but, they’ll get more money out from you through their high in-house financing interest rates.
The bottomline would be a choice between a 15% One-Time Service Charge but lower montly interest rate by our partner lending company or Minimal/Zero Service Charge but high monthly interest rate by the developers.