Is Rental Going Up Amid the High Dollar Rate and Oil Prices Last year’s expectations for rental yields in the residential market in Manila were to remain flattish, but recent events say otherwise. The condo oversupply and weak investor demand, however, continues according to property consultants. Amid the rising oil prices and peso-dollar rate exchange right now, what could be the repercussions in the Philippine real estate market? Let’s discuss the current trends in rental demand and real estate sales in this article. Rental Yields in Metro Manila Rents in Taguig and Bonifacio Global City have now exceeded the numbers before the pandemic, and this will continue until rental properties, including condominium units, are taken up. Residential demand is significantly driven by end-users, especially now that real estate sales might slow down due to the global crisis brought by skyrocketing crude prices. Meanwhile, ready-for-occupancy units are also getting more demand because end-users want to move in as soon as they can. Residential rental yields in Manila recorded an average of 4.1% for properties that are sold by property developers. In addition, pre-owned units for rent or for sale are also more preferred due to their affordability. Driving Forces for Rental Demand The residential market’s rental demand is mainly driven by return-to-office setups, students, and expatriates, and lower interest rates. And now that investing in real estate by buying properties is a bit more challenging due to the recent crisis, rentals may become more in demand in the metro as well as in other major cities nationwide. Since a lot of people may struggle to buy a new house, they will probably choose to rent a house instead. And with the threat of continuous price hikes for crude oil, it would be an elusive dream for many to own a house. Hence, driving rental demand up while real estate sales may slow down in the meantime. Developers are slowing down on new residential projects to ease up vacancies until the oversupply is taken up. If you can’t invest in a condo unit or any new property right now, you can opt for a rental unit. RFOs are a good choice since they are ready for occupancy as soon as you have completed the requirements. It’s also highly recommended to wait until the global tensions have subsided to ensure you are getting your money’s worth. Final Thoughts With rising petrol prices and a weakening peso, it’s important to weigh your options before making an investment decision. You may want to explore the residential market first, before deciding to rent out a unit. You can visit REALS.PH for the latest listings of properties for sale in Baguio City, Tagaytay, and Metro Manila. You can also send a message with your questions so our licensed Baguio real estate agents can help you out.
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Can Foreigners Get a Philippine Condominium Title Under Their Name Under the Philippine real estate law, foreign nationals are legally allowed to own a condo in the Philippines. However, there are limitations to be considered as well as requirements to be completed. In this article, we’ll talk about the key aspects of condo ownership for non-Filipino citizens in the country, the Condominium Act, and requirements for foreigners applying for a condo title. Foreigners' Rights to Own PH Condo With a more affordable cost of living for foreign nationals, the Philippines has become a top destination for expats, retirees, and investors. Under our law, foreign nationals can own a condominium unit under specific terms. They have certain rights according to the foreign ownership legal framework, specifically the Condo Act. The Condominium Act of the Philippines or Republic Act No. 4726 regulates the condo ownership and management in the country. It grants foreigners the right to buy a condo unit given that they follow the conditions and restrictions. Under this law, they can own real properties by buying townhouses or condominium units with Condominium Certificates of Title. Foreign owners of condo units automatically become members of the condo corporation. The condominium corporation membership grants them rights, including participation in meetings, voting on plans or matters regarding condo projects, and even partaking in decision-making. As long as foreign nationals adhere to community guidelines, it will be a smart investment to get a condo, especially in Manila or Baguio. Requirements for Foreigners Buying a Condo There are legal steps to transfer condo ownership to foreigners in the Philippines. First is the Deed of Absolute Sale notarized by a lawyer. Transfer fees and taxes must also be settled as well as the registration process with involved government agencies. A licensed real estate agent and a lawyer would make things much easier, particularly the legal requirements for ownership transfer. When it comes to compliance with the law, foreign nationals are compelled to follow the regulations to legally own a condominium unit. It’s important to keep up-to-date with the latest changes in Philippine real estate laws to stay compliant and protected of your rights. It’s highly advised to get legal guidance to walk you through the ins and outs of the condo ownership landscape for foreigners. Philippine laws can be overwhelming, especially for non-Filipinos. Final Thoughts Property consultants, real estate brokers, and lawyers can help you with the legal process of owning a condominium unit in the Philippines. With the opportunity to own a condo in the country, foreign nationals investing in real estate here are expected to increase in number in the years to come. The crucial part is understanding the legal requirements and restrictions to avoid problems in the future. If you are looking for luxury condominium units for sale in Baguio City, Manila, or other nearby cities, check out REALS.PH today and explore our updated listings.
What You Should Know About Encumbrances Before Buying a Property Whether you’re selling or buying a property in the Philippines, it’s crucial to understand the encumbrances in a land title. Sometimes, there are details that are not disclosed by sellers to the buyers, and these are often the encumbrances of the property. So, if you want to avoid problems in the future, make sure to ask about the encumbrances of the land title before signing the sale contract. Why Avoid Properties with Encumbrances Basically, encumbrances are common reasons transactions get delayed, market value is decreased, or ownership rights are affected when it comes to investing in real estate. Homebuyers should assess and understand encumbrances to save time and money, and ultimately, prevent legal headaches. This legal technicality should be part of your due diligence before buying a property. In the Philippines, you can find all property encumbrances in the Registry of Deeds records. If you ignore these legal technicalities, you may encounter unexpected financial obligations, disputes, and failed transactions. Remember to do your research before signing any contract to avoid liabilities, liens, or other legal claims against the property you are buying. How Encumbrances Reduce Property Value Since encumbrances are liabilities attached to properties, they can significantly reduce their value or affect their transferability. Examples are easements, Real Property Tax delinquencies, restrictions according to law, and unpaid mortgages. You can check the encumbrances of a Condominium Certificate Title or Transfer Certificate Title at the back. Any unresolved legal annotations can stop or delay the transfer of ownership. Even registered owners with active encumbrances may encounter problems when selling their property until they are cleared. These could be bank loans, issues in Rights of Way, limitations by Homeowner’s Associations, ongoing litigation, adverse claims, and unpaid taxes to the BIR or Municipal Treasurer’s Office. Can Encumbrances Be Removed There are ways to clear any encumbrances from a property title. Depending on the encumbrance type, you can successfully remove them from your title for easy transfer. For instance, if it’s for adverse claims, you can negotiate with the person who filed for the legal petition or claimant. For mortgages, you can submit a notarized Release of Mortgage request from the financial institution or bank and forward it to the Registry of Deeds. To prevent encumbrance problems in real estate transactions, update any tax payments, check title annually, always settle loans, and consult an expert lawyer for issues in legalities. Final Thoughts Ensuring the property title is clear of any encumbrances helps in a smooth and fast transaction, especially for title transfer. It’s easier to manage legal technicalities in a property title when you understand encumbrances and how to avoid or remove them. If you have questions regarding legal matters on real estate, you may send us a message. You may also visit REALS.PH for our exclusive property listings, including real properties in Baguio City and other major cities in the Philippines.
When Should You Invest in Stocks? Beginner’s Guide to Stock Investments While stocks are not guaranteed, many Filipinos are now considering stock investments to grow their money. More and more stock market accounts are created, showing a positive trend for both seasoned and newbie traders. However, the market volatility may be intimidating for beginners as trading is no easy feat. So let’s talk about the best time to invest in Philippine stocks and other helpful tips to get you started. Basic Principles of Stock Investing Before you decide to invest in the stock market, it’s important to understand the basics first. And to hone your skills, you need to practice and learn continuously about the stock market trends. But the most important thing is to know when to buy stocks so that you can make better profits. You should buy stocks when they reach low points, so timing is crucial if you want to make money. Past performance of stocks also does not guarantee their performance in the future. However, you should observe the pattern as past performances may indicate future performance. You would want to buy stocks during the opening hours because the market calculates news release and other events in the previous closing bell – making the prices volatile. Expert Trader vs Newbie Trader To maximize your growth potential in stock investing, identify yourself as an expert trader or newbie trader. If you’re a beginner in trading stocks, avoid trading during the opening hours as it can be difficult to analyze the patterns. Hence, making it hard to make profits during the first hours of the day, may even lead to losses if you don’t trade carefully. On the other hand, expert traders normally start their day within the first 15 minutes of the opening bell. This is the prime time for the day’s best trades, usually 9:30 to 10:30 in the morning. For extended trading hours, you may purchase stocks before 11:30 in the morning although volume and volatility goes slow at this time. Overall, the best time to invest in the Philippine stock market is buy on a Monday, or during the months of January, December, September, and August. Other helpful tips when buying stocks is to wait when they go on sale, check the availability of undervalued stocks, and analyze company reports so you can make informed investing decisions. Final Thoughts Investing in stocks requires proper knowledge and consistent practice to grow your money and diversify your portfolio in the long run. It might intimidate newbies at first, but if you understand how the stock market works, you can be successful as a trader in the Philippines. You may want to invest in a new property to increase your assets, go to REALS.PH website today to find the best properties for sale in Baguio City and other strategic locations nationwide.
What Is Floor Area: Misunderstandings When Buying a Property One of the most common issues when buying a house or condominium in the Philippines is the floor area. You’ll often hear buyers rant about the actual size of the condo or house and lot they’re buying because they are smaller than the one being advertised. Therefore, it’s important to understand the types of floor area to avoid misunderstandings when purchasing a house or condo. Two Main Types of Floor Area The floor area is the measurement of a structure, building, or house that you are purchasing. It’s very important to understand this because there’s a lot of misunderstandings when it comes to buying a property. In this aspect, many buyers often say how big the house is in the pictures, but are disappointed upon visiting the actual unit. Now, why is this often misunderstood by the buyers? There are two types of floor area, the gross floor area and the usable floor area. Let’s differentiate the two:
The usable floor area is the one you use everyday, it is the exact space where you dine, sleep, or take a bath. Knowing the big difference between these two types of floor area is important to avoid disappointments when buying a house or condo in the Philippines. Remember that the gross floor area includes the columns, wall, and other structure that are all part of the foundation of the building. Final Thoughts Now that you are fully aware of the floor area of the house or condominium you are buying, you won’t feel deceived anymore. This is an important part of the buying process so you’ll be able to choose the best property that meets your expectations. If you’re looking for bigger and more modern homes for sale in Baguio City or other major cities in the country, you can check out our REALS.PH property listings for the perfect options. Our Baguio real estate agents are ready to assist you in choosing the best property.
Penalties After the Deadline for Title Transfer: 2026 Update for Filipinos When processing the transfer of title in the Philippines, there are penalties that property owners should be aware of. After notarizing the Deed of Sale, you are given a specific period to settle the taxes and other fees. In this guide, we will update you with the deadlines and penalties for overdue payments in transferring property ownership in 2026. Check out our sample computation to get an idea of how much you may need to pay for the penalties. Overdue Payments for Property Transfer Make sure to prepare all the requirements before transferring your condo, house, or lot property to avoid additional costs due to late fines. Here are the penalties to pay when you don’t settle the transfer taxes and fees within the allotted period:
Sample of Computation of Penalties For a clearer picture, let’s give you an example of the computation for the Capital Gains Tax, Documentary Stamp Tax, and transfer tax fees. Let’s say the selling price of the property is Php 5.5 million. The basis for the penalty would be the Capital Gains Tax, Documentary Stamp Tax, or Transfer Tax fee, per se. Now, here’s a sample computation: If the Deed of Sale for the transfer of property was notarized on January 15, 2026, while the taxes were paid on April 30, 2026, that means you are 75 days delayed for the CGT payment, 84 days delayed for the DST, and 45 days delayed for the transfer tax. With a Php 5.5 million selling price, the CGT will be Php 300,000, so the surcharge is Php 82,500, the 12% per annum interest is Php 8,136.99, and the total amount to be paid with the BIR for the CGT is Php 420,636.99. Next fee to settle is the penalty for the Documentary Stamp Tax, which is 5% of Php 5.5 million – that will be Php 82,500, plus the surcharge of Php 20,625, 12% interest is Php 2,278.36, and the total payment will be Php 105,403.36 for the DST. For the transfer tax fee penalty, which is 5% of Php 5.5 million, is Php 27,500, the 25% surcharge is Php 6,875, the 2% interest per month is Php 1,375, so the total transfer tax fees with penalty to be paid at the Treasurer’s Office will be Php 35,750. If you add all these fees, you will need to pay a total of Php 561,790.34 to the BIR and the Treasurer’s Office. Final Thoughts Now that you know how much you must pay once the grace period for the property taxes lapses, make sure to prepare the money before notarizing the Deed of Sale. Check out REALS.PH for the newest property listings, including beautiful homes for sale in Baguio City and across the Philippines.
Is the Philippine Economy Affected By Iran War? The adverse consequences of the conflict between US-Israel and Iran depends on its duration. In the Philippines, the major effect will be the oil-price induced inflation as well as the potential deployment of overseas Filipino workers in the Middle East. But can this escalating conflict also significantly affect the real estate industry in the country? Read this and learn how you can manage your real estate investments while the Iran war is still ongoing. Risks of Iran War for Filipinos The Iran war has already affected many other countries within the Gulf region. Unfortunately, they are the main source of our country’s imported oil and a main destination of OFWs. The negative impact has already been felt in the stock market index movements as well as in the dollar-peso exchange rate. The stock market indicates expectations on the potential profitability of domestic companies in the future. However, the Philippine Stock Exchange Index has significantly dropped, equaling to a 5% decrease after the initial attack of the US and Israel on Iran. Movements in peso-dollar exchange rate also show risk sentiment and market expectations. Domestic currency appreciates during high demand because of reduced risk or positive growth expectations. In terms of inflation, fuel prices have gone up since February and could further increase if the Iran war continues. As expected, basic needs will be much more expensive for the masses, making the cost of living in the Philippines unbearable. This is all because oil price hikes automatically increase production costs, transportation costs, and energy costs. Transport operators and manufacturing companies may endure temporary price hikes in petrol, but not extended increases. Potential Effects on Real Estate Due to uncertainty, the global economy has been put at potential risk, such as rising interest rates that may result to delayed planned investments. The Iran war could possibly push for higher interest rates, if not delay the cuts by the BSP (Bangko Sentral ng Pilipinas). In other words, investments and borrowing costs may become higher while the conflict continues. There’s no agreement yet on when the ongoing war will stop, would probably last for a few more weeks, but at a much lower intensity. However, repercussions are already being suffered by many people, including the Filipinos. Meanwhile, the government may manage gas supply and create time-bound subsidies to help highly affected groups, such as public transport operators and drivers. Final Thoughts As the Iran war continues, issues on price hikes and inflation could affect more nations that import oil from countries in the Gulf region. And if interest rates are already affected, you may delay your investments to avoid higher costs. It’s crucial to make smart moves in times of uncertainty, in this case, the Iran war. In the meantime, you may check out REALS.PH for the best property listings in Baguio City and other major cities nationwide. Our real estate agents in Baguio are always ready to assist you in making sound decisions when it comes to real estate.
Are Warehouse Investments A Silent Gold? Benefits of Industrial Properties Filipino entrepreneurs are now investing in warehouses with business hubs booming in the Philippines. Aside from holding products or goods, warehouses are essential in keeping things moving smoothly and reducing costs for many online businesses. So, why is it a smart move for investors to consider purchasing industrial lands and turning them into warehouses? Check out this simple guide to help you decide how you can succeed in a warehouse investment in the Philippines. Benefits of Investing in Warehouses The industrial property market is growing in the country, especially because of the huge success of online shopping. Many companies are looking for local warehouses to get their products to their customers quickly. The strategic location of the Philippines is also another factor that makes it a good shipping hub in Southeast Asia. With tax breaks and special deals offered by the government to help these local businesses, it’s an ideal investment for those who want to maximize their growth potential and wealth. In addition, new roads are developed every year to help move shipments faster and more conveniently across the country. The booming e-commerce industry have recorded more than 20% sales growth rate per year. As e-commerce sales grow exponentially, this provides an excellent opportunity for investors to expand their business in industrial properties and build warehouses. The best locations are those near ports and other major shipping routes, such as ports of Cebu and Manila. Warehouse Types to Invest In There are different types of warehouses to choose from, including public and private ones. Public warehouses are the kind of investment that you can rent out, while private warehouses can be used to store your own supplies or products. And then there’s the automated warehouse that is built with advanced technology so you can easily manage everything remotely. Distribution centers also make a good income-generating investment for delivering goods to local destinations within your area. But before you invest in this kind of business, the location is a key point to the success of your warehouse investment. Make sure it’s close to your target customers and transportation hubs. Do some research if companies need a warehouse in the area, as well as the estimated cost for building it. You can check out the area’s e-commerce growth, existing warehouses, and how many businesses are operating locally. Final Thoughts Exploring new opportunities driven by the booming online shopping industry in the Philippines is a perfect way to boost your income. Warehouse investments and industrial properties are ideal sectors to tap because of the increasing demand in logistics. If you want to get the best location for your next industrial property, visit REALS.PH and browse our listings of Baguio properties for sale and other lands available at the best price. Our real estate agents in Baguio City will provide you with the top-quality options that meet your needs and preferences.
Is It Possible to Settle Your Debt With an Inherited Piece of Land While it’s common in the Philippines to pay debts using land, this may not be suitable for all situations. Properties that are still under a mother title can’t be transferred to a new owner as it is not yet legally subdivided among heirs, and individual titles are yet to be given. Therefore, you should think twice before accepting a debt payment via land if the heir or owner can’t produce a title in their name. Read this article to know how to deal with someone who wants to pay off debt using land instead of cash. What Is Dacion en Pago? The so-called Dacion en Pago, or land as payment, is the act of transferring a property to pay a debt. However, this can be complicated if the lot property being offered by the one who owes you money is still under a mother title. In that case, the said property is likely to be still under an original title, a subdivision plan may not be in place yet, and individual titles don’t exist. Therefore, this can be a headache if you accept it, even if the heirs have already agreed on which portion of the land belongs to whom. Why Avoid a Property Under a Mother Title? Obviously, you wouldn’t want to get caught in the middle of a family dispute, as lands under a mother title are not yet legally subdivided and individually titled. Meaning, the lot property is still co-owned by legal heirs, including spouses, children, and even grandchildren. They cannot simply point out certain portions to any heir, as this is against the law. If you accept land as a debt payment, here are other risks and problems you might encounter in the future:
Alternatives to Land as Payment First is to sell the land, in which the debtor should find a third-party buyer to pay the debt in cash. This may be the best solution, but the process can take longer than usual. Another option is to give partial cash and then a portion of the land to pay the entire debt. Whichever you choose to settle the debt, make sure that proper documents are in place to protect all parties involved. Final Thoughts Lands that are still under a mother title can still be managed and accepted as payment as long as all heirs agree with the subdivision plan, each portion is clearly described, with notarized documents, and a lawyer who oversees the agreement. If you have questions regarding properties with mother titles, our agents at REALS.PH can assist you. You may also explore our property listings, including land properties for sale in Baguio City and other major cities nationwide.
Buying a Subdivided Lot Without An Individual Title in the Philippines Many Filipinos are easily swayed to buy cheaper properties without knowing the hidden encumbrances. Always remember that not all cheap products are safe, especially when investing in a subdivided lot that is still under a mother title. This may seem like a good deal at first, but it may be problematic once you find out the inherent issues in the said property. Save your money and yourself from the headache by understanding how to safely buy a property in the Philippines. Is A Subdivided Lot A Great Deal? Perhaps a subdivided lot can be a good deal if you’re trying to save money from investing in real estate. However, you should be aware of the current situation before purchasing any property. For instance, if any property remains under the mother title, the individual title should be processed by either the buyer or the seller. This also means that the untitled lot is not yet fully independent from the law. Maybe you bought the lot with a Deed of Sale, signed by involved parties, with measurements, and even a fence built already. But all these things don’t guarantee that the property will be legally yours because it’s still on a mother title. Meaning, it doesn’t have an individual title yet, the subdivision plan might not yet be approved, and the mother title may have encumbrances. Hard Truths About Buying Subdivided Lot There are so many land properties in the Philippines that are sold with Tax Declaration, rights only, still the mother title, not yet subdivided legally, and no individual titles. They all look cheap and affordable for many buyers, but it’s not yet clear when the new title will be awarded under your name, as the titling process can be long and grueling. One of the most important reminders, a Tax Declaration is not a title or proof of ownership. There is not enough evidence that a person owns a piece of land or property in a certain location. If the seller says that they are still processing the legal documents, especially the individual title of a subdivided lot, this could be a red flag to watch out for. So, before you buy a property, ensure the following:
Final Thoughts Don’t get deceived by the usual lines that “it’s still under the mother title, but it’s safe to buy.” Be aware of potential issues when buying untitled properties to avoid hassle. If you want to invest in safe and secure properties, check out REALS.PH and explore our exclusive listings of Baguio City properties for sale and many more.
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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
