The “Premier Tranche”: Why You Should Watch the Expensive Stuff

Not Just “Low Cost” Housing There is a misconception that bank auctions are only for low-cost row houses in the provinces. Enter: The Premier Tranche . Every quarter, we curate a specific list of “Blue Chip” assets. These are properties in exclusive subdivisions, commercial lots on main highways, or prime condo units in CBDs (Central Business Districts). Why “Premier” Assets Go to Auction Why would a bank auction a 20 Million Peso mansion in Alabang? Usually, it’s not because the asset is bad—it’s because the bank needs Liquidity . Basel III regulations force banks to dispose of high-value non-performing assets quickly to free up capital. The “Exclusive Auction Price” Because the bank needs to move these big-ticket items fast to reduce their “Risk Weighting,” they often price them aggressively. You might find a property with a Market Value of 25M starting at a bid price of 18M. That is a 7 Million Peso equity spread. 90 Days Only These assets often come with a time limit. The bank grants us a 90-Day Exclusive Mandate to clear them. Once the window closes, they might be repriced or pulled off the market. If you see a “Premier” tag, act fast.