House and Lot Loan - Lowest Interest Land Title Collateral Cash Credit in Philippines

House and lot loan collateral in the Philippines has now been made easier to apply for real estate property owners looking for microfinancing additional fund whether for personal use or business extension.

If you own a lot (commercial or agricultural) or a house and lot you wanted to pawn in exchange for cash, you've come to the right place.

Our provider have one of the lowest interest rate in the private financing industry for collateral loans. In fact, we only offer .83% interest to our qualified clients. This rate is comparable to banks in the Philippines today so if you want to apply online, consider filling up our loan application form below or see the list of requirements.


House and Lot Loan Requirements

Our providers have made it easy for loan clients to apply for the real estate property collateral loan in the Philippines.

See list of basic documentary requirements below.

Pre-Qualifying Requirements:

  1. TCT or title must be under borrower's name
  2. Borrower must have stable or regular source of income. If no income, you must provide an immediate relative or family member as co-maker / co-borrower with regular income source.
  3. All basic documentary requirements below must be photocopied in advance for faster transaction and application
  4. Borrower must be willing to spend little time in case needed. (online application is available for busy people)

Basic Documentary Requirements:

  • TCT (transfer certificate of title) certified true copy
  • Updated and latest receipts of RETR and tax declarations (both land and building)
  • 2 primary valid IDs
  • TIN ID
  • Vicinity map of property
  • Documented proof of income
  • 6 months latest bank statement

Interest Rates, Fees, Terms and Processing Time

Interest Rate:

  • .83% Monthly Add On

Loanable Amount:

  • 60% - 80% of appraised value or 10M Maximum

Loan Payment Terms:

  1. 6 months
  2. 9 months
  3. 12 months
  4. 18 months
  5. 24 months
  6. 30 months
  7. 36 months

Processing Time:

  • 3 days pre-approval
  • 10-15 days process afterwards

Fill Up Our House and Lot Loan Online Application Form

For faster result, please fill up our loan client form below. Your details go straight to the business owner's corporate e-mail so you will be attended to personally by Sam Casuncad, owner, proprietor and top Pinoy loan consultant in the country.

Please note that all fields followed by an asterisk must be filled in.
Freelance Job with Voucher / Payslip
Freelance Job w/o Voucher / Payslip
Property for Rent

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Call to inquire about Loan – Sam Casuncad (Pinoy loan consultant)
home office phone: 542 7015 / 7756277
Sun Cellular No 0932 – 872 5532
Smart Cellular No 0939 - 9269335
Globe No 0917 – 5019245 (with Viber, IMO and Whatsapp)
Email application form at /

14 Ways On How to Get Approved of your House and Lot Loan Collateral Application Fast and Easy

With the help of a qualified and professional loan consultant, you can have your loan application approved in no time. All you have to do is to be patient enough to consider spending a little of your time if needed be and to communicate with your loan agent. In my case, since I have the most comprehensive post-paid mobile numbers, it will absolutely be easier to communicate with my clients / loan borrower. On the other hand, below are some other good tips on how to have your application approved faster than you can imagine based from my experience.

  1. Photocopy all requirements in advance as required by the lending company or by your agent before reporting to the lending office branch.
  2. Send documentary requirements online via email ASAP for initial evaluation.
  3. Undergo a pre-screening / pre-evaluation interview with your agent.
  4. Ask about rates, fees and charges so that when approval comes, you can decide much faster with minimal need to clarify with your attending marketing officer at the lending company
  5. Be prepared to provide extra reserve requirements should it be needed. Ask your agent about this. If he or she is good at the job, he should know what and when to prepare.
  6. Communicate with your attending agent all the time for updates and be assertive but not overly demanding.
  7. Submit only authentic, valid and binding documents that are clear as the true copy as possible.
  8. For those who are knowledgeable about having a pending court case that is not yet settled, settle it first, if already done, provide a copy of a court case clearance. This usually applies to borrowers who have BP 22 case - bounced check and credit card problems as well as closed accounts.
  9. Disclose all sources of income you have as possible.
  10. Do not disclose any relative in the media, politics, military and law department.
  11. Have a character references who are easy to contact.
  12. Never disclose a weak and personal loan purpose such as travel, buying something unnecessary or paying regular utility bills as much as possible for higher loanable amount. Use business or investment purposes instead.
  13. Be prepared for a C. I. so make sure to deliberate with your agent on do's and don'ts.
  14. Have a co-maker or co-borrower ready reserve just in case you'll need one. House and lot loan with borrowers on low income should always ask his or her agent prior to application.
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