When Miguel, a real estate developer in Manila, approached Emarati QT Partners, he was restless. He had acquired land on the city’s outskirts and dreamed of building affordable housing for middle-income families. Yet, banks turned him away, doubting the profitability of his vision. Meanwhile, construction costs were rising, and he feared losing both the land and the trust of the families who had already signed up for units.

“This loan made my dream real. I didn’t just build houses—I built futures. Every family that turns the key to their first home reminds me why I never gave up.” — Miguel.

Miguel needed $3,000,000 to start construction. His land and preliminary works were appraised at $5,500,000, giving him an LVR of 55%. We, therefore, structured a 7-year loan term, with a phased drawdown to match his building schedule and a repayment grace period of 18 months.

Within three years, Miguel had completed 200 housing units, of which 95% were occupied by young families. Surprisingly, demand for his project exceeded expectations, and investors began approaching him for future developments. He said the loan not only finance buildings, it also restored hope to people who longed for a home of their own.