Housing Loan Guide · Philippines
Buying one property while using a different property you own as collateral. Skips title transfer prior to loan release.
When the borrower is a company rather than an individual, the paperwork shifts toward corporate governance — SEC registration, Articles of Incorporation, board resolutions naming who's authorized to sign, and two years of audited financials. It's the most document-heavy borrower category, but it's also how businesses acquire commercial or investment property under the company's name rather than a personal one. Acqui-Diff is for buyers who want to purchase one property but pledge a different property they already own as collateral, instead of the property being bought. This separates the loan's risk assessment (the collateral) from the transaction itself (the property purchase), and — like a tie-up — it skips the pre-approval title transfer step. Since Acqui-Diff loans skip the pre-approval title transfer, a Corporation borrower here can often move from application to approval noticeably faster than with a standard acquisition. Below is the complete, up-to-date checklist for a Corporation borrower pursuing an Acqui-Diff loan in the Philippines — 13 borrower-side documents plus everything the bank needs on the property side.
Process
Submit and complete all borrower and loan documents listed above.
You're confirmed income-qualified and cleared to proceed.
Both your income and the collateral property are fully verified.
The bank drafts your mortgage and loan agreement documents.
You sign the finalized loan documents in person or via your attorney-in-fact.
The loan is officially annotated on the property's title.
Funds are disbursed and the process is complete.
Pre-Approval
Pre-Approval
What Happens Next
You're confirmed income-qualified.
Income Matching
Your monthly amortization should be 50% or below of your monthly income.
GMIR = 50% of Monthly Income
Adjusted GMIR = GMIR − Existing Monthly Amortizations
Loan Amount = Adjusted GMIR × (1 − (1 + r/12)⁻ⁿˣ¹²) / (r/12)
Post-Approval
FAQ
In a regular Acquisition Loan, the property you're buying is also the collateral. In Acqui-Diff, you buy one property but pledge a different property you already own as the collateral instead.
No — like a Tie-Up loan, Acqui-Diff skips the title transfer step prior to release.
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