Question 1

What properties are generally acceptable as collateral?

Accepted Answer

Generally acceptable collateral includes residential, commercial and industrial properties with proper titles and accessible locations or right of way.

Question 2

What properties may not qualify?

Accepted Answer

Examples of properties that may not qualify include agricultural land, untitled properties, properties supported only by a Tax Declaration or Deed of Sale without transferred title, properties with legal disputes or adverse annotations, unresolved ownership claims, and properties with incomplete ownership documents.

Question 3

What property types are covered for Real Estate Acquisition?

Accepted Answer

For Real Estate Acquisition, the standard property scope includes House & Lot, Townhouse, Condominium Units, Residential Lots, Commercial Lots, Commercial Buildings, Office Units, commercially classified Warehouses and Mixed-Use Commercial Properties.

Question 4

How is the maximum loan amount determined?

Accepted Answer

The estimated maximum loan is based on the appraised property value, not simply the property's selling price.

Question 5

What LTV applies to my property type?

Accepted Answer

House & Lot, Commercial Buildings and Commercial Lots: up to 70% LTV. Condominium Units and Residential Lots: approximately 50% to 60% LTV.

Question 6

Can you give an example of an LTV computation?

Accepted Answer

For example, a property appraised at ₱10,000,000 with a 70% maximum LTV may qualify for an estimated maximum financing amount of ₱7,000,000, subject to credit evaluation, repayment capacity and final approval.

Question 7

What are the core documentary requirements?

Accepted Answer

Core Real Estate Loan / Sangla Titulo requirements include the 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 and Proof of Income.

Question 8

What income documents do employed applicants submit?

Accepted Answer

For employed applicants, income documents include a Certificate of Employment, latest three months' payslips, latest three months' payroll bank statements and Company ID.

Question 9

What do business owners submit?

Accepted Answer

Sole proprietors submit a DTI permit, business permit, latest three months' bank statements and valid government IDs. Corporations and partnerships submit SEC registration, updated GIS, Articles of Incorporation, By-Laws and ITR or audited financial statements.

Question 10

Do you collect any upfront fees?

Accepted Answer

No. We do not collect upfront fees, processing fees or advance payments from property owners. We assist in collecting and organizing documents (Owner's Duplicate Title, RETR, Tax Dec, COE, payslips, bank statements, valid IDs) and forward them to our network of partner financing providers for evaluation. Our compensation, if any, comes from the partner provider only upon successful approval and booking, subject to partner provider policy.

Question 11

Is there an appraisal fee?

Accepted Answer

Yes, but only after pre-approval and it is not paid to us. Initial document check (Owner's Duplicate Title, RETR, Tax Declaration, valid IDs, COE/payslips/bank statements) is free. If pre-approved based on documents, the property will undergo appraisal by an accredited third-party appraiser from our partner financing provider's panel. The appraisal fee is paid directly to the accredited appraiser (with official receipt) and is subject to appraiser's schedule and location. The final loan amount is up to 70% of the appraised value, subject to borrower capacity, creditworthiness and collateral coverage.

Question 12

How much is the appraisal fee?

Accepted Answer

The appraisal fee may range from approximately ₱5,000 to ₱12,000 depending on the property location and applicable appraisal requirements.

Question 13

What other fees apply?

Accepted Answer

Indicative financing-provider charges include a 5.5% processing fee, applicable Real Estate Mortgage (REM) registration costs, documentary stamp, CRF / loan recovery insurance, and fire insurance. These are separate from Sanla Titulo’s no-upfront-fee consultancy service. Request an itemized quotation and confirm when each charge is payable before proceeding.

Question 14

How long does loan processing take?

Accepted Answer

Processing may take approximately one week after all required documents have been completely submitted. Actual turnaround time may vary depending on document verification, appraisal, assessment and other processing requirements. Estimated processing time is 1 to 2 weeks for standard processing and 5 to 7 business days for fast-track processing when documents are complete and verified. These are estimates and remain subject to evaluation and approval.

Question 15

Do you have an office?

Accepted Answer

We operate primarily online and do not maintain a public office for walk-in applications. Our role is to assist clients with property assessment, document collection, and application facilitation. Qualified applications are endorsed to financing providers and funding partners that maintain their own offices and processing facilities.

Question 16

What company do you work with?

Accepted Answer

We work with a network of financing providers and funding partners. The financing provider recommended for an application depends on factors such as property location, documentation, funding requirement, and eligibility. During the assessment process, qualified applicants will be informed of the appropriate financing provider for their specific situation.

Question 17

Is my information secure?

Accepted Answer

The inquiry form stores the details you submit for lead follow-up. No website can promise absolute security. Review our Privacy Policy and contact support@sanlatitulo.com with privacy questions; never submit passwords or account credentials.

Question 18

Why should I upload documents through the website?

Accepted Answer

Document upload is not currently available on this website; the Check Eligibility form collects inquiry details only. Contact Sanla Titulo to confirm an authorized, secure submission method before sharing identification, title copies, or financial documents.

Question 19

Are you a lender?

Accepted Answer

No. We are an independent financing consultancy. Financing approval and funding decisions are made solely by the financing provider after evaluation.

Question 20

Do you accept all existing mortgage loans for takeout financing?

Accepted Answer

Not all existing mortgage loans qualify for takeout financing. Eligibility depends on the current lender, loan structure, property status, and financing partner guidelines. Applications are subject to assessment and approval.

Real Estate Financing Solutions Up to ₱50 Million

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Sangla Titulo

Real Estate Takeout

Real Estate Acquisition

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Frequently asked questions

Acceptable and Non-Acceptable Properties

Loan to Value (LTV)

Documentary Requirements

Fees & Processing Time

Working with Us

Takeout Financing