How do they define "large" ? Maybe 500k PHP is large? I've regularly deposited and withdrawn 1m to 2m to even 4m. They've never asked me for any documents. Anyway, coins.ph, if that's what you use, has a 400k daily limit, so you just need to do that for a few days to get enough to buy a condo.
And, I'm almost sure, you can somehow find a way to get some sort of loan or mortgage for a condo.
They didn't define the size of it, but I was intending to withdraw directly from bitstamp and that would make it obvious the source of the funds. As for coins yes I have a level 3 verified account with a 400k daily limit but as yet I do not have a bank account.
What the bank told me is that I normally need to have a savings account for 6 months before I can get a checking account but they were willing to waive that requirement because I had an endorsement letter from the property developer. Unfortunately it seems to get rejected once the application gets passed on to the branch manager for approval (I tried BDO and BPI so far).