Housing Loan Guide · Philippines
Buying one property while using a different property you own as collateral. Skips title transfer prior to loan release.
Running your own business means banks can't just check a payslip — they build a picture of your operation from DTI or SEC papers, audited financials, and how money actually moves through your account. It takes a bit more paperwork than salaried employment, but a self-employed applicant with two years of clean, verifiable income can qualify for loan amounts that surprise people who assumed only employees get approved easily. 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 Self-Employed borrower here can often move from application to approval noticeably faster than with a standard acquisition. One thing specific to Self-Employed applicants: banks evaluate cashflow, not just the ITR. Below is the complete, up-to-date checklist for a Self-Employed borrower pursuing an Acqui-Diff loan in the Philippines — 9 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
Banks evaluate cashflow, not just the ITR.
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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