Lower your monthly rate
Move from a high-interest bank or in-house loan to rates starting at 0.88%–1.2% per month and reduce your monthly amortization.
Cash out your equity
If your property has appreciated, borrow against the increased appraised value — up to 70% — and use the extra funds for business or personal needs.
Fast processing
Standard takeout processing takes an estimated 1–2 weeks; fast-track takes 5–7 business days once your documents are complete and verified.
How takeout financing works
- 1Submit the eligibility form with your property and existing loan details.
- 2A loan specialist reviews your current mortgage terms and property value.
- 3Receive a takeout proposal with indicative rates and monthly amortization.
- 4Complete the documentary requirements — same list as a standard sangla titulo application.
- 5The new provider pays off your existing lender and your title is transferred to the new mortgage.
Is refinancing a good fit for you?
- Your current loan charges more than 1.2% per month
- You want to shorten or extend your repayment term
- You need extra funds and your property's value has grown
- Your property is in NCR, CALABARZON, North Luzon, Central Luzon, or Cebu
- Your title is clean and already transferred to your name
The documentary requirements are the same as a standard application — see the full list on our requirements and rates page.
Find out how much you could save
Submit your details and a loan specialist will compare your current mortgage against available takeout rates — free assessment, no upfront fees.
Check Eligibility