The Bank is Your Partner, Not Your Sugar Daddy.

Banks rarely lend 100% of a property’s value. They manage risk using LTV (Loan-to-Value).

The 80/20 Rule

Standard LTV in the Philippines is 80%.

• Appraised Value: 5.0 Million.
• Max Loan: 4.0 Million (80%).
• Your Equity: 1.0 Million (20%).

Auction Advantage

Because auction properties are often priced below market value, the LTV sometimes covers more of the purchase price than usual, reducing your cash out.