Real Estate Mortgage Loan
Sangla Titulo in Antipolo, Rizal
Turn the value of your titled property into cash — without selling it. SGB Lending has arranged real estate mortgage loans for Antipolo and Rizal property owners since 1997, with in-person appraisal and terms you sign with full understanding.
What is a Sangla Titulo loan?
Sangla Titulo — formally a Real Estate Mortgage Loan (REM) — is a secured loan where your titled property serves as collateral. Instead of selling your house, lot, or condo when you need a large amount of cash, you borrow against its value and keep ownership and use of the property the whole time. The title is held as security and the mortgage is annotated at the Registry of Deeds; the property is only at risk if the loan goes unpaid under the agreed terms.
It’s a practical option for needs that are too big for a quick personal loan — business capital, home construction or renovation, tuition, medical expenses, or consolidating other debts — because the loanable amount is tied to your property’s appraised value rather than just your payslip.
Why a local lender matters here.A real estate mortgage needs appraisal, document signing, and annotation at the Registry of Deeds — things an online app simply cannot do. Working with a lender based in Antipolo means your property is appraised by people who know the area, and you sign with staff you can meet face to face.
How much can you borrow?
At SGB Lending, the maximum loanable amount is up to 35% of the appraised market value of the property used as collateral. This conservative loan-to-value ratio is deliberate — it keeps repayments manageable and protects you from over-borrowing against your home. The exact figure depends on appraisal and your established capacity to pay.
Acceptable improvements that can form part of the collateral include a residential house or building (provided it is insurable) and other improvements that are part of that residence.
What properties qualify as collateral?
- Only titled land — Transfer Certificate of Title (TCT) or Original Certificate of Title (OCT) — is accepted.
- Properties under Free Patent qualify only once the five-year period from the date of issue has lapsed.
- Properties with multiple owners (communales) are accepted with a Special Power of Attorney / Authority to Mortgage signed by all parties in favor of the principal borrower.
- The property must be located within our area of coverage in Antipolo and Rizal.
- All property owners must be physically present during the signing of mortgage documents.
- Every property undergoes inspection, appraisal, and investigation to confirm its validity and worth.
Charges and terms
We put all charges in writing on your Disclosure Statement before you sign — no hidden fees. Typical charges on a real estate mortgage include:
| Interest | Discounted if the term is 3 months or less; add-on if more than 3 months. |
|---|---|
| Other charges | Service Fee, Credit Life Insurance, Notarial Fee, Registration Charges, and Documentary Stamps. A penalty applies only if payments fall past due. |
| Loan term | Up to 12 months for installment loans; up to 90 days for single (lump-sum) payments. |
| Repayment | Lump sum, semi-monthly, or monthly. Maturity dates cannot fall on weekends or holidays. |
| Pre-termination | You may fully settle early. Note that pre-terminations are not subject to a rebate of unearned interest. |
How to apply
Three steps from inquiry to release:
- Talk to us. Call, message, or visit the office across the Antipolo Hall of Justice. Tell us the property you’d like to use and what you need the funds for.
- Submit & appraise. Bring your IDs, income documents, and title papers. We inspect and appraise the property to set your loanable amount.
- Sign & receive. We walk you through the Disclosure Statement and mortgage documents, you sign, the mortgage is annotated, and funds are released.
Borrow responsibly. A real estate mortgage puts your property up as security. Borrow only what you can comfortably repay, and read every term before signing. Our staff is happy to explain anything you’re unsure about. All loans are subject to appraisal and approval.
Ask about Sangla Titulo
Talk to our staff about your property and how much you could borrow. No pressure, no hidden charges.
8697-1492
Mon–Fri 9:00–4:00
Quick Facts
Loan Type
Real Estate Mortgage
Collateral
Titled house, lot, or condo
Max Loanable
Up to 35% of appraised value
Term
Up to 12 months
Coverage
Antipolo & Rizal
Sangla Titulo – common questions
Is Sangla Titulo legal and safe?
Yes. A real estate mortgage is a recognized secured loan under Philippine law, with the mortgage annotated on your title at the Registry of Deeds. SGB Lending Investor Co., Inc. has been incorporated and lending since 1997, with a physical office in Antipolo you can visit.
Do I lose my property?
No — not as long as you repay under the agreed terms. You keep ownership and continue using the property. It is only at risk in the event of default, which is exactly why we set a conservative loanable amount and confirm your capacity to pay first.
How much can I borrow against my title?
Up to 35% of the appraised market value of the property, subject to appraisal and your capacity to pay. The figure is confirmed after our inspection and appraisal.
Which areas do you cover?
Properties within Antipolo and the surrounding Rizal towns. Because we appraise in person, the property needs to be within our coverage area — call us to confirm yours.
Apply for a loan now
See what your property can do for you
Our friendly staff is happy to review and discuss your application.