Housing Loan Guide · Philippines
Buying one property while using a different property you own as collateral. Skips title transfer prior to loan release.
Retirement doesn't disqualify you — banks simply need your pension to show up consistently in your bank statements. Whether it's SSS, GSIS, or a private pension, what matters is that the deposits are regular and traceable. The requirement list is short compared to other borrower types, which makes this one of the more straightforward applications once your pension proof is in order. 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 Pensioner borrower here can often move from application to approval noticeably faster than with a standard acquisition. One thing specific to Pensioner applicants: pension must reflect in bank statements. Below is the complete, up-to-date checklist for a Pensioner borrower pursuing an Acqui-Diff loan in the Philippines — 6 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
Good to Know
Pension must reflect in bank statements.
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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