Does Insurance Cover Natural Disasters in the Philippines? With stronger earthquakes hitting the Philippines lately, it’s also becoming more dangerous not to get insured, whether it’s for your property or yourself. There are property insurances available in the country, which you can use in case of a damaged home due to an earthquake or other natural disasters. Learn how to protect your home from unexpected events by considering a reliable insurance provider based on your budget and needs. Is An Earthquake Insured? Earthquakes, volcanic eruptions, floods, fires, and other unexpected disasters are a constant threat to Filipino lives. Some would ask what is the safest place in the Philippines for an earthquake, but it’s actually a matter of preparation. If you want to be safe from natural calamities, getting yourself and even your property insured is the way to go. Homeowners in the Philippines can get property insurance that covers home damages caused by earthquakes. For example, a property all-risk insurance policy provides coverage for properties against damage or loss due to allied perils, including flooding, earthquakes, and impact damage. Now is the best time to get an insurance for your property before it’s too late. Home Security Coverage The best way to protect your property from unforeseen events and natural disasters is to get a home security policy from a reputable insurance company. This comprehensive insurance package provides protection from damages caused by fires, acts of nature, and even riots. You can get additional coverage, such as personal accident, relocation expense, and other necessary benefits to maximize your and your family’s protection. For rent or relocation expenses, the coverage includes reimbursing your incurred relocation or rental expenses if your property becomes unhabitable after a calamity or insured perils. The personal accident insurance covers your family from permanent disablement and accidental death. If injured by untoward incident, this also provides medical reimbursement for your family. With so many options regarding top-notch property insurance products in the market, you can choose from the most suitable and affordable policy that you exactly need. Make sure to ask for a quotation or the actual details of the benefits you can get for earthquake insurance and other natural disasters. The best approach is to check our testimonials and company background to ensure you are dealing with the right partner when it comes to your safety and security during calamities in the Philippines. Final Thoughts Property damages due to earthquakes is insurable in the Philippines, provided you get the best coverage that fits your needs and budget. Always ask for a quotation to make sure you are getting your money’s worth in case of an emergency. Aside from getting your home insured, you also need to invest in properties that are built with quality materials and professional design. You can visit REALS.PH for earthquake-proof properties that are built to stand the test of strong quakes and typhoons, including house for sale in Baguio. Feel free to message us today for any queries.
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Baguio City Getting More Prospective Buyers for Its Amazing Lifestyle Benefits Cool climate is too cliche to promote Baguio, so let’s mention that it’s a very safe place to live in with your family. No wonder many home buyers are now looking at properties in this prime location for residence or retirement. Living outside Metro Manila, such as in Baguio City, has many benefits that attract investors right now so let’s know each of them in this article. What Are the Benefits of Living in Baguio The exclusive lifestyle that Baguio offers is unparalleled when it comes to scenic views and fresh produce all year-round. Residents enjoy the refreshing climate, keeping energy consumption low since you have natural air conditioning. Also, the countryside living doesn’t mean sacrificing urban conveniences. In fact, the city has been modernized to the point that you’ll feel just like living in Manila. In terms of how much to live comfortably in Baguio City, you’ll be surprised to know the lower cost of living here compared to other big cities. Here are more advantages of exclusive Baguio City living:
Final Thoughts Some of the best condominiums and subdivisions in the country are built in Baguio. If you’re exploring new options for your next real estate investment outside Metro Manila, this city is an excellent choice. We have an exclusive listing of luxury condos and house for sale in Baguio City at REALS.PH website. You may also send us your queries to know more about the properties we have listed on the site. For those who want to sell their property, just hit the List A Property button on the homepage to register and our real estate agents will help you find a legit buyer.
How to Handle EJS of Estate If an Heir Is Missing or Doesn’t Want to Sign Partition of an inherited land can be full of drama in the Philippines, with surviving heirs trying to get more of their fair share. With no will left, the best option to subdivide the property of a deceased parent is through an Extrajudicial Settlement. But what if one of the legal heirs doesn’t agree with the partition plan, or is abroad and can’t be reached for their signature? Can an EJS still be produced or just forget about the inherited property? Importance of an Extrajudicial Settlement An Extrajudicial Settlement is the legal process allowing legal heirs to subdivide a property left by the deceased owner without the need to file it on court. This is often the go-to legal solution to settle land partition in the Philippines among surviving heirs. However, this is only applicable if the property has no tax debts, no last will left, and all siblings or legal heirs agree on the partition plan. Unanimous Consent to Proceed with EJS An EJS cannot push through with a missing family member or legal heir according to Rule 74, Section 1 of the Rules of Court of the Philippines. A unanimous consent is required from all surviving heirs to settle their inherited property outside of court. Therefore, an EJS will only be valid if all legal heirs have signed the deed. Each heir has the right to their share of inheritance, so it’s unjust to proceed with a missing heir. If you do, you’re depriving the person of his inheritance without due process. As it should, the law protects absent legal heirs from being swindled or excluded by other siblings or family members. Also, all heirs’ signatures must be secured in order for the EJS to be legally binding. In case of incomplete signatories in the deed but remaining heirs are claiming they’re the “only heirs”, then they are committing perjury. Once the missing legal heir resurfaces, he can directly file a case to invalidate the EJS. In addition, he can demand his rightful share and cancel newly issued land titles to other legal heirs. Aside from unanimous consent, government agencies will need to verify legal requirements to produce a valid EJS. For the notaries public, every party should be present and have their valid IDs. The verification process will also require birth certificates and marriage contracts so that the BIR can verify the family tree. In case of any discrepancies, such as in the signatures of heirs, the Registry of Deeds may reject title transfers. Final Thoughts The best way to proceed with an EJS is to get a unanimous consent from each legal heir. Good communication among siblings is important to settle the distribution of inheritance. If you have questions regarding title transfer and other related matters, you can contact us here at REALS.PH website. You may also visit our listings of property for sale in Baguio City and other major locations.
5 Things to Look For in a philippine Condominium Developer Deciding to live in a condominium unit is not an easy choice. You must find a trusted and reputable developer to ensure you’re making the right decision. Condo living is more than just the convenience and amenities, it’s also about the lifestyle and security. Check out this guide to help you in choosing the right developer for your dream condo unit in top Philippine cities. Key Considerations to Make There are many benefits of living in a condo, especially if you’re in the city. For instance, it’s accessible to major centers, including supermarkets, schools, offices, and other hubs. Imagine living near town centers while enjoying 24/7 security privileges. All these and more when you find the perfect development in your ideal city. Here are important factors to consider when choosing the right condo developer:
Final Thoughts Choosing a condominium developer in the Philippines with strong commitment to quality and competitive background can give you confidence and peace of mind. REALS.PH is a leading real estate broker based in Baguio that provides a property listing platform where you can find high-quality projects from trusted developers nationwide. You may also check out our exclusive listings of house for sale in Baguio City with reasonable rates and ready-to-process papers.
How to Know If You Can Apply for a Title for an Untitled Property in the Philippines Perhaps, you’ve been planning to take ownership of your property under your name but you’re not sure whether you can apply for a land title or not. If that’s the case, the answer lies in the classification of the land according to Philippine laws. There are legal requirements and limits as to when an individual can process titling for an untitled land in the Philippines. Let’s talk about verifying the land status and what may prohibit you from applying for a property title. Verifying the Status of Land To understand whether it’s possible to get a title for your land or property, there are a few steps you can take to verify its current status. The land or property must be under the Alienable and Disposable or A&D classification by the Philippine government. In addition, you must be residing in the said land for the required number of years. Here are three ways to conduct the verification process:
Final Thoughts Now that you know if you can process your land for titling in the Philippines, you can start gathering the required documents for the transfer. After confirming that the land is A&D with the DENR, the next steps is to determine how you will apply for the title. You can contact us today if you want to know more about title transfer and other related questions. Visit REALS.PH for our exclusive listings, including house for sale in Baguio City and other major cities nationwide. We have the most trusted real estate agents to help you out with real estate transactions and other processes.
Legal Guide and Practical Tips in Building a Fence on Your Property Building a fence on your Philippine property is not as straightforward as hiring a mason and stacking hollow blocks. It involves legal requirements, proper permits, and construction standards that every homeowner must understand before breaking ground. In this article, let’s talk about how to build a fence in your property according to the building code. NBCP-Approved Fence Construction All fence construction in the Philippines is governed by Presidential Decree No. 1096, known as the National Building Code of the Philippines. This law, administered by the DPWH through local Office of the Building Official, sets the minimum standards every property owner must follow. Your Local Government Unit may also impose additional zoning rules under the Local Government Code. These local rules can be stricter than the national standard. Fence Height Rules You Must Know Height determines what permit you nee, and this is where most homeowners make costly mistakes. Check out the following rules when it comes to the height of your fence:
Additional Critical Legal Restrictions For corner lots, fence corner must be diagonally cut for lot properties that sit on a street narrower than 3.60 meters. This is called a chaflan, measuring at least 4.00 meters, which is a traffic safety requirements. For gate direction, all gates must swing inward. A gate that open outward beyond your property line violates Section 1007 of the NBCP. In terms of easements, you should never build a fence along riverbank, creek, or waterway easement. The NBCP absolutely prohibits enclosing public easements with fences or perimeter walls. For HOA rules, property inside a subdivision must secure HOA clearance before applying for any permit. Here are the permits and their requirements:
Final Thoughts A legally compliant fence protects your investment and avoids demolition orders, neighbor disputes, and fines. Verify your property boundaries with a licensed Geodetic Engineer, secure the right permit, and always work with a professional for walls above 1.80 meters. For the best gated properties for sale in Baguio City, visit REALS.PH website today for some great options.
How to Choose a Property with Higher Potential for Appreciation Choosing a property in the Philippines is a matter of balancing your lifestyle needs and budget. Due diligence is also critical in ensuring the legal aspects of the buying process. If you can’t decide which property to buy or where to look, this simple guide will give you the answers you need as well as some tips in choosing the best location for your next land investment. Finding the Right Location and Environment Even if you have the most beautiful property in the Philippines, it would be nothing if it’s built in the wrong location. It’s important to check the flood history of the area, particularly low-lying areas in Bulacan, Cavite, and Metro Manila. You also need to make sure the land is not within the identified active fault lines. Unstable soil can increase construction costs and requires a structural engineer to conduct soil testing. Another common issue is the right of way, never buy any property that has no legal access to public roads. Landlocked lot properties will require you to secure notarized right of way and related documents from neighboring properties. The key is to ensure that all legal requirements are in place before signing the contract and making payments. Maximizing Your Land Investment To enjoy higher appreciation rate for your real estate investment, it’s good to take opportunities when land owners sell at lower prices due to emergency issues. You can profit from a piece of land in so many ways, such as raising livestock for long-term income generation. Having your own land gives you the freedom to do whatever you want and choose how to earn from it. You can also build a rental property in your land for passive income, which is also a good strategy to combat inflation. Just make sure to understand the costings before deciding to start the project to maximize your capital. Secure all permits and other necessary documents to avoid humps along the way. Remember that land properties are valuable investments as their value appreciates over time as long as you acquire it in the perfect location. Buying A Lot: 5 Easy Steps Step 1: Verify seller’s ownership by getting a copy of the land title from the Registry of Deeds. Step 2: Check for potential issues, such as tax liabilities. Step 3: Secure a notarized Deed of Sale and settle BIR fees. Step 4: Pay the transfer taxes, and file the DST and CGT documents. Step 5: Wait for the release of the new Tax Declaration. Final Thoughts Now you know how to process the requirements when buying a land in the Philippines. Make sure to choose the right location to ensure return of investment in a faster time. You can check out the listings at REALS.PH for some good options including lot for sale in Baguio City and other strategic locations nationwide. Feel free to send us a message if you have questions.
4PH Housing Program to Address 6.5M Backlog With 1M Units to be Built Every Year In 2022, the PBBM administration launched the Pambansang Pabahay Para sa Pilipino or 4PH housing program. The objective is to address the 6.5 million housing backlog through the construction of one million units per year. The program is managed by the Department of Human Settlements and Urban Development together with Local Government Units to meet the goal. So, let’s discuss further what the 4PH program is for and who can benefit from this government initiative. What is the 4PH Program? The 4PH program relies on joint financing with private developers and the Pag-IBIG Fund to create a more accessible socialized housing in the Philippines. With expanded 4PH modalities, the program aims to adjust to different financial capacities with homeownership through formal rental housing, the Expanded Community Mortgage Program, and via horizontal or vertical development. Key Strategies of 4PH The main design is to build township developments near public transportation, city centers, and schools. These transit-oriented communities offer parks, basic livelihood facilities, and open spaces to promote healthier interaction among residents. On the financial side, the 4PH program uses subsidized interest rates to cut down monthly amortizations. As a result, this housing program provides a more affordable urban condo living for Filipinos with minimum wage. Currently, the ongoing construction of housing units is being done nationwide with notable developments in Bulacan, Laguna, San Juan City, and Subic. There may be some issues with initial funding, but the government adjusted its targets and short-term goals. The admin, therefore, focuses on incremental housing and joint ventures as they aim to complete 300,000 – 1.2 million housing units by 2028. How and Who Can Benefit from 4PH? For anyone interested to become a 4PH beneficiary, applicants must be an active Pag-IBIG Fund member without foreclosed accounts or outstanding short-term loan. To be considered, qualified beneficiaries need to get an endorsement from the LGU which governs their barangay. You can contact the Program Management Office through their email, or check out the DHSUD Official 4PH Kit via their website. Eligible Participants:
Final Thoughts Homeownership should be accessible and affordable for Filipinos in all walks of life. The 4PH Program aims to help minimum wage-earners in the Philippines to afford a decent home, especially those in informal sectors and urban poor communities. Filipino citizens who currently don’t own a house are welcome to apply as qualified beneficiaries of the program. If you can’t apply for any government housing program, you may check out affordable lot for sale in Baguio City or visit REALS.PH for a wide-range of listings that suit your needs.
Can You Build a House With 2 Million Pesos? Home Design Ideas for Your Budget If you’re challenging yourself to build a house in the Philippines for only 2 million pesos, you just need the right floor plan and design to execute it. This initial budget can already create a nice, comfortable home, with room for future upgrades. So, let’s explore some excellent ideas to design your new home with the perfect floor plan that matches your lifestyle. With an affordable budget, you can surely build the best home design you and your loved ones need. Is 2 Million Pesos Enough to Build a House? When deciding to build your own house, one of the key considerations is the budget. You need to plan how much will be allocated to specific items of the overall design. With two million pesos, you can find the right layout, materials, and finishes to stick within the budget. You need to focus on the priorities, such as bedrooms, kitchen, and living areas that fit the floor plan. Choose a design that makes your home look wider so that it will give an inviting ambiance. There are so many creative and efficient floor plan ideas that meet the 2 million-peso budget. For instance, an open-concept layout wherein the living area, dining, and kitchen are arranged in such a way that there is spontaneous movement around the house. This supports better social interactions while saving on costs of materials. If you have 80 square meters, create a well thought-out design to efficiently lay out 2-3 bedrooms and 2 bathrooms without spending on unnecessary costs. How to Design Your 2-Million Worth House? To get you started, here are some creative tips and ideas on designing a budget-friendly home:
Final Thoughts Overall, you can already start building your own home with 2 million pesos in your hands. Choose the right materials and design to stretch your budget and meet all the requirements to finish the house. But if you don’t want the headache of construction bureaucracy in the Philippines, you can go to REALS.PH now and explore the best options for the property you want to invest in. Our real estate agents can walk you through our listings, including house for sale in Baguio City. Contact us today for your queries.
What Are the Hidden fees in Purchasing a House in the Philippines The thought of owning a house is a fulfilling feeling many Filipinos strive to achieve. Imagine having your own place, living your life on your terms, and securing your family. Buying a property, however, is not as easy as one may think. There are so many key considerations to make, including the costs of transferring the ownership under your name. So, let’s analyze the hidden fees in buying a house in the Philippines, especially for first-time buyers. Hidden Fees in Property Transfer Buying a house is equivalent to taking care of financial responsibilities, including additional fees and taxes. So before you purchase a new property, make sure to consider these hidden costs not all sellers or developers make known during the buying process:
Final Thoughts Whether you’re buying a condo unit or a house for sale in Baguio City, make sure to be aware of the hidden charges that may come with the terms and agreements. These fees help provide residents with convenience and functionality as they move in to their new homes. If you’re currently looking for the best properties for sale in the Philippines, visit REALS.PH website today for a wide range of real estate options.
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Meet your Real Estate Broker Partner:
Roman Joe Anoso, RN, REB
Real estate Broker PRC license number: 19887
HLURB registration number: CAR-B-05/21-029
HLURB registration number: CAR-B-05/21-029
Baguio's top real estate broker Roman joe Anoso is grateful to serve you
Roman joe Anoso is a multi-awarded real estate broker, consistent Top #1 for 8 years to date.
Being recognized by the following companies:
Sta. Lucia Land, Inc.
- Overall Nationwide Top # 1 Real estate broker year 2024
Bangko Sentral ng Pilipinas
- Real Estate Broker with the Highest sale for the year 2023
Suntrust Properties, Inc.
- Overall Nationwide Top # 1 Real estate broker year 2018
Vista Residences, Inc.
- Overall Nationwide Top # 1 Real estate broker year 2017
Goshen Land capital, inc.
- Overall Nationwide Top # 1 Real estate broker year 2011 to 2016
Being recognized by the following companies:
Sta. Lucia Land, Inc.
- Overall Nationwide Top # 1 Real estate broker year 2024
Bangko Sentral ng Pilipinas
- Real Estate Broker with the Highest sale for the year 2023
Suntrust Properties, Inc.
- Overall Nationwide Top # 1 Real estate broker year 2018
Vista Residences, Inc.
- Overall Nationwide Top # 1 Real estate broker year 2017
Goshen Land capital, inc.
- Overall Nationwide Top # 1 Real estate broker year 2011 to 2016
PRC Licensed Real estate Broker Roman Joe Anoso
office address: REALS Corporation, Barangay Dontogan, Baguio city, 2600
personal: +63917-5645-863
viber/whatsapp: +63917-5645-863
add him on facebook (CLICK HERE)
office landline: 074-442-2353 (for clearer conversation)
email: [email protected]
skype: romankat2
website: www.realestatebaguio.com
personal: +63917-5645-863
viber/whatsapp: +63917-5645-863
add him on facebook (CLICK HERE)
office landline: 074-442-2353 (for clearer conversation)
email: [email protected]
skype: romankat2
website: www.realestatebaguio.com
