Sangla Titulo for Business Expansion

​In the dynamic landscape of Philippine business, securing sufficient funding is an important step toward achieving growth and sustainability. For entrepreneurs and business owners, leveraging existing assets can be a strategic approach to finance expansion plans. One such method is through Sangla Titulo, a financing option that utilizes real estate property titles as collateral.

What is Sangla Titulo?

Sangla Titulo, or Real Estate Collateral Loan, involves pledging or pawning your property's Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) to obtain a loan. This secured loan allows property owners to access substantial funds without relinquishing ownership of their real estate assets. It's particularly advantageous for business owners seeking capital infusion for various purposes, such as expanding operations, increasing inventory, or enhancing facilities.​

Advantages of Sangla Titulo for Business Owners

1. Access to Significant Capital

   • By using real estate as collateral, businesses can secure larger loan amounts compared to unsecured loans, providing the necessary funds for substantial investments.​

2. Lower Interest Rates

   • Secured loans like Sangla Titulo typically offer more favorable interest rates. For instance, some financial institutions provide rates as low as 0.8% per month for loan terms between one to three years. ​

     
     

     

3. Flexible Repayment Terms

   • Lenders often offer repayment periods ranging from one to five years, allowing businesses to choose terms that align with their cash flow and financial projections.​

4. Retained Property Ownership

   • While the property title is used as collateral, ownership remains with the borrower, enabling continued use or income generation from the property during the loan term.

Who is Eligible to Apply for Sangla Titulo?

To qualify for a Sangla Titulo loan, applicants generally need to meet the following criteria:

• Filipino Citizenship - the borrower must be a Filipino citizen.​

• Established Business Operations - a minimum of three years in business operations is typically required to demonstrate stability and repayment capacity.

Initial Requirements

Prospective borrowers should prepare the following documents for initial assessment:​

• Two valid government-issued IDs.​

• Copies of the property's Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT).​

• Updated Tax Declaration for both land and improvements.​

• Recent Tax Clearance and Real Property Tax Receipts.​

• Location or vicinity map of the property.​

• Latest three months' bank statements.​

• Recent utility bills (electric or water); if not under the borrower's name, additional proof of residence may be required.​

• Proof of Tax Identification Number (TIN).​

• Department of Trade and Industry (DTI) registration and current business permit. 

Things to Consider Before Apply for a Sangla Titulo

While Sangla Titulo offers numerous advantages, it's essential to consider the following:​

• Property Appraisal - the loan amount is contingent on the appraised value of the property. Ensure you have a realistic understanding of your property's worth.​

• Repayment Capacity - assess your business's financial health to confirm that it can support the loan repayments without compromising operational stability.​

• Lender Credibility - choose a reputable financial institution with transparent terms and a track record of fair dealings.

In conclusion, Sangla Titulo serves as a viable financing solution for business owners aiming to leverage their real estate assets for growth and expansion. By understanding the process, benefits, and requirements, entrepreneurs can make informed decisions to propel their businesses forward.

​Navigating the loan process can be complex, but you don't have to do it alone. At Dashcash, we specialize in connecting you with reputable financial institutions that offer transparent terms and have a proven track record of fair dealings. Let us help you find the financing solution that best fits your business needs.​

Take the next step toward your business growth. Contact us today to explore your loan options with confidence.

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