Core documentary requirements
- Owner's Duplicate Copy of Title
- Completed Loan Application Form
- Updated Tax Declaration
- Updated Real Estate Tax Receipt
- Tax Clearance
- Signed consent for appraisal
- Proof of Billing
- Vicinity Map
- Two valid IDs
- Proof of Income
Proof of income
Employed applicants
- Certificate of Employment
- Latest three months' payslips
- Latest three months' payroll bank statements
- Company ID
Business owners
- Sole proprietors: DTI permit, business permit, latest three months' bank statements, valid government IDs
- Corporations and partnerships: SEC registration, updated GIS, Articles of Incorporation, By-Laws, ITR or audited financial statements
Loan-to-value (LTV) limits
The maximum loan is based on the appraised property value, not the selling price.
| Property type | Maximum LTV |
|---|---|
| House & Lot | Up to 70% |
| Commercial Buildings & Commercial Lots | Up to 70% |
| Condominium Units | Approximately 50%–60% |
| Residential Lots | Approximately 50%–60% |
Fees and processing time
- No upfront fees from Sanla Titulo — our consultancy collects nothing before approval
- Appraisal fee of approximately ₱5,000–₱12,000, paid directly to the accredited appraiser only after pre-approval
- Indicative financing-provider charges: 5.5% processing fee, Real Estate Mortgage (REM) registration, documentary stamp, CRF / loan recovery insurance, and fire insurance
Processing takes an estimated 1–2 weeks for standard applications and 5–7 business days for fast-track processing once documents are complete and verified. These are estimates and remain subject to evaluation and approval.
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