Beginner’s Guide to Investing in PH Stock Market 2025 While it may be intimidating at first, investing in the Philippine stock market is a great way to make money. With some good options for online brokers and easy account setups, you can begin your stock investment journey today. Whether you aim to build wealth, save for retirement, or beat inflation, owning shares of Philippine companies can help achieve your goal. Here’s a step-by-step guide for Filipino beginners on how to start buying shares. Step 1: Choose a Legitimate Stock Broker To buy stocks in the Philippines, you need to open an account with a PSE-accredited stockbroker. Brokers can be traditional or online, here are some of the best online brokers in the Philippines:
Step 2: Open a Trading Account Once you’ve selected a broker, you’ll need to open a trading account. Requirements usually include the following:
Step 3: Fund Your Account After your account is approved, you’ll need to deposit funds. There are several funding options to choose from, including online banking, supported e-wallets, and over-the-counter deposits. You can start investing with as little as Php 1,000, but make sure to buy at least one “board lot” or the minimum number of shares depending on the stock’s price. Step 4: Start Buying Stocks Once funded, you can now buy shares using your broker’s online platform. Simply log in to your account, search for the stock, enter the number of shares and your price, click “Buy”, and wait for confirmation. Some platforms will ask you to type in the company code on the search box. To know which company you should buy stocks from, you can use some features such as the Truly Rich Club in COL Financial. It will tell you which company stocks are doing well and will increase in the future. Some of the most popular blue-chip stocks include SM Investments, PLDT, and Jollibee. Step 5: Monitor Your Investment Your stock holdings will be reflected in your broker’s dashboard. The PSE operates from 9:30 AM to 3:30 PM, Monday to Friday. You can track your profits, dividends, and even set stop-loss or target prices on the platform. COL Financial, for example, has a SAM Table where you can see which companies you can buy from. Follow the label such as the stock, buy below price, current price, target price, expected growth, and action to take. You can buy stocks with the ones labeled as “continue buying” on the table. Just enter the code to buy order and then check your trade portfolio to see if it reflects your new shares. Final Thoughts Buying shares in the PH stock market is no longer just for the rich or financial experts. With the right broker and a basic understanding, any Filipino can start building their financial future today. If you want to invest in a condominium in Baguio City or a house and lot in the Philippines, check out our website or contact us today so we can assist you.
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What Every Filipino Must Know About BIR Estate Tax Many Filipinos are surprised that there is an inheritance tax they need to pay before they can get their inherited property. While this is shocking for most unaware heirs, it is important to do your due diligence in managing inheritance matters to avoid paying a hefty penalty. So, let’s break down all the details that you should know when it comes to transferring inheritance in the Philippines, why people remain uninformed, and the best ways to deal with estate tax. Reasons Why Filipinos Are Unaware of Estate Taxes So, why do so many Filipinos not know about inheritance taxes? Here are the key reasons and how to address this knowledge gap:
Why It’s Crucial to Pay Estate Taxes on Time Understanding the estate tax in the Philippines is essential for protecting family wealth, ensuring smooth inheritance transition, and avoiding costly penalties. The estate tax amnesty program, which many Filipinos wish to be extended, is a good remedy to seek legal advice, updated documents, and officially settle inheritance taxes. So don’t wait for the penalties, talk to your family now and start planning your estate. Final Thoughts Due diligence in estate tax helps comply with the property transfer proceedings and avoids a huge penalty for not paying it on time. Always make sure that your tax obligations are settled so that you can easily put your inheritance under your name. If you are selling your property, list it with REALS.PH, or if you want to buy a new house and lot, or a condominium in Baguio City, our real estate agents can help you find the best option.
How the Israel-Iran Conflict Affects the Philippines? The ongoing conflict between the Israel and Iran is sending shockwaves across the globe. While the Philippines may seem geographically distant, the economic and social ripple effects are real and may affect Filipinos. As oil prices rise and investor confidence wavers, we are once again reminded of how global wars can affect Filipino lives, the national economy, and even the real estate industry. The military tension in the Middle East, particularly the Iran-Israel conflict, has raised fears of a wider regional war. Iran’s strategic position along the Strait of Hormuz, makes any disruption a global concern because it’s the key passage for one-fifth of the world’s oil. This has already caused oil prices to hike, now being felt by Filipinos nationwide. For oil-importing countries like the Philippines, this translates to higher fuel prices, increased transportation and power costs, and eventually leading to an upward pressure on inflation. Impact of Global Tensions on the Philippine Economy The rising cost of oil is likely to contribute to inflationary pressure, affecting household expenses and reducing consumer spending power. Although the Bangko Sentral ng Pilipinas has maintained a cautious monetary stance, prolonged global tension could force policymakers to delay rate cuts or even consider interest hikes. Key sectors such as logistics, manufacturing, and transportation will also face higher operating costs, which could affect overall economic growth. Additionally, a stronger U.S. dollar driven by global uncertainty may weaken the Philippine peso, making imports even more expensive. Effects on Real Estate and Construction The real estate industry is not immune to these global tensions. Higher oil and material costs such as cement and steel could delay ongoing infrastructure and property developments. Construction expenses may rise, forcing developers to pass on the cost to homebuyers. At the same time, potential interest rate adjustments could make home financing less attractive for average Filipinos. Overseas Filipino Workers in the Middle East may also face risks if tension escalate, potentially affecting remittance flows which are significant for Philippine real estate demand. What to Do During These Uncertain Times? You can take several steps to weather these global uncertainties. First, fuel conservation must be practiced or switch to more efficient energy sources at home to manage household expenses. Stay updated on government advisories and policies, especially if you are an OFW or dependent on remittances. For investors and homebuyers, consider locking in fixed mortgage rates early to avoid future increases. Developers should explore local sourcing and lean construction methods to manage rising input costs. Final Thoughts While the Philippines is far from the epicenter of the Israel-Iran conflict, the economic consequences are unavoidable. Global wars have local impacts, from increased inflation and volatile markets to a cautious real estate sector. But by staying informed and adaptable, Filipinos can navigate through this period of uncertainty. You may check REALS.PH's official website, if you want to sell a property, click the List a Property button on the home page to get started.
Can You Pay Estate Tax with Life Insurance in the Philippines? Since the estate tax is becoming a hot topic nowadays among Filipinos who are not aware of such, it’s important to also talk about the many different ways to settle this in the future. One example is using life insurance, particularly the death benefit, to cover estate taxes. If you want to know more about how life insurance can help manage this financial burden, continue reading for the best tips on smart estate planning. How Life Insurance Can Help Pay Estate Tax Under the Tax Reform for Acceleration and Inclusion (TRAIN) Law, the estate tax is now a flat 6% of the net estate value. While this is simpler than the previous tiered system, heirs still face the same problem, and it is where they’ll get the cash to pay the tax. Estate taxes are due within one year of death, and if there isn’t enough liquid cash available, families may be forced to sell properties, businesses, or investments quickly. This is where life insurance comes in: it plays a crucial role in estate planning because life insurance provides instant liquidity. When the insured person dies, the insurance company releases the death benefit, which heirs can use to pay estate taxes, funeral costs, debts, and other expenses. Even better, life insurance proceeds may be excluded from the taxable estate, helping reduce the overall estate tax due. When Is Life Insurance Exempt from Estate Tax? According to the National Internal Revenue Code, Section 85 [E], life insurance proceeds are excluded from the gross estate if:
Estate Planning Strategies for Filipinos Here are a few common ways Filipinos structure life insurance for estate planning:
Final Thoughts Estate tax is inevitable, but its impact can be minimized with proper planning. Life insurance is one of Filipinos' most effective tools to manage estate taxes, protect family wealth, and avoid unnecessary stress during difficult times. Always consult a licensed estate planner or lawyer to ensure your policies are structured correctly and maximize their tax advantages. Feel free to visit our REALS.PH website for the latest properties for sale in Baguio City and other areas in the Philippines.
How Much Can You Afford for a House in the Philippines? So, you’re planning to buy a new home for the first time? This big financial decision you’re making may require a little more effort than usual. You must decide first on how much you can afford before visiting open houses or browsing listings online. Determining your budget goes beyond just looking at the listing price. Don’t worry, we will discuss the key factors and hidden costs you might overlook when determining your home-buying budget. Assess Your Monthly Income and Expenses Start by calculating your total household income. Include your salary, side gigs, bonuses, and any other reliable income sources. Next, deduct your current monthly expenses, such as utilities, groceries, transportation, and debts. This will give you a clear picture of how much you can realistically allocate for your monthly mortgage payments. As a general rule, financial experts recommend that your total monthly housing expenses should not exceed 30% to 40% of your gross monthly income. This includes your mortgage payment, property taxes, homeowner’s association dues, insurance, and maintenance costs. Understand Loan Eligibility and Pre-Approval In the Philippines, most homebuyers finance their purchase through banks or Pag-IBIG Fund housing loans. Getting pre-approved for a loan gives you a realistic budget based on your creditworthiness, income stability, and existing debts. Most banks require a minimum down payment of 20% of the property’s value, while Pag-IBIG offers more flexible options for qualified members. When applying for a loan, lenders will also consider your Debt-to-Income ratio. A lower DTI means you’re less burdened by existing debts, making you a more attractive borrower. Factor in Hidden and Additional Costs Many Filipino buyers mistakenly focus only on the property’s selling price. However, additional costs can quickly add up, including:
Use Online Mortgage Calculators Take advantage of online mortgage calculators provided by local banks and real estate websites. These tools allow you to stimulate your loan terms, interest rates, and monthly payments, giving you a better understanding of your financial capacity. Plan for Emergencies and Future Expenses Aside from initial costs, be prepared for unforeseen circumstances such as job loss, medical emergencies, or property repairs. It is highly advisable to have an emergency fund that can cover at least six months of living expenses before taking on a mortgage. Final Thoughts Now, how much you can afford simply boils down to carefully evaluating your finances. By planning and considering all important factors, you can make informed buying decisions that lead to long-term financial stability and peace of mind. Start by knowing your budget today, and move closer to your dream home. Let our seasoned real estate agents in Baguio City help you achieve your ultimate house goal by checking out REALS.PH property listings.
Why Rent-to-Own Is A Good Choice for Filipino Homebuyers Many Filipinos dream of owning a house but are often discouraged by high down payments and strict bank loan requirements. One option that’s gaining attention is rent-to-own. But is it a smart choice for homebuyers? Let’s break it down in this simple guide. What Is Rent-to-Own? Rent-to-own allows you to live in a house or condo while paying rent that partly goes towards owning the property in the future. You usually pay an option fee upfront, which is around 1-10% of the property’s price, then monthly rent for a set period, like 1 to 3 years. After the lease term, you have the option to buy the property. The payments you made during the rent may be credited toward your down payment. Investing in rent-to-own properties gives Filipinos time to save, build their credit, and experience living in the property before fully committing. Benefits of Rent-to-Own Investments There are many advantages of investing in a rent-to-own condominium or house and lot. Here they are:
Important Things to Watch Out For There may be some potential risks to consider before investing in a rent-to-own property in your preferred location:
Should You Go for Rent-to-Own? Rent-to-own can be a good option for buyers who don’t have a big lump sum for a down payment. This is also perfect if you want to start living in your dream home right away, or are confident you can secure bank financing later. However, it’s not for everyone. If you’re not financially ready for the balloon payment, or if the contract terms are unclear, you might end up losing your hard-earned money. Final Thoughts Rent-to-own can bridge the gap between renting and owning, but it requires careful planning, a solid financial strategy, and professional advice. Always read the fine print and work with reputable developers or agents. Planning to buy your dream home in the Philippines? Before signing any rent-to-own contract, talk to a trusted real estate agent in Baguio to ensure you fully understand the terms. A smart decision today can save you from financial stress tomorrow!
What Every Filipino Should Know About Trespassing Laws As a homeowner in the Philippines, it’s important to understand your legal rights regarding trespassing. Whether you live in an urban neighborhood or own a property in the province, knowing what counts as trespassing and what you can do about it can help protect your property and safety. So, let’s discuss the basic trespassing laws in the country, including scenarios for qualified trespassing and the penalties for trespassers. Qualified Trespassing Situations & Penalties In Philippine law, trespassing is covered under the Revised Penal Code, Articles 280 and 281. These laws provide guidelines for protecting private dwellings, fenced properties, and other privately owned spaces. Let’s discuss each article below to better understand. Trespassing Into a Private Dwelling: Article 280 Under Article 280, any person who enters a house without permission and against the will of the owner can be charged with Qualified Trespass to Dwelling. Here are some scenarios that fall under this law:
Trespassing on Private Land: Article 281 Article 281 covers situations where someone enters closed premises or fenced land without permission, even if no house is built. Conditions for this law to apply include the following:
How to Prevent Trespassers in Your Hom If you own a home or a lot of property, you have every right to set boundaries and restrict access to anyone. To enforce these laws effectively, you can post clear signs like Private Property or No Trespassing. It’s also helpful to install fences, gates, or barriers to keep away intruders. You can take photos or videos to document any incidents of trespassing. Make sure to report repeat offenders to barangay officials or the local police. Final Thoughts Understanding trespassing laws in the Philippines helps homeowners and landowners act confidently when someone unlawfully enters their property. By knowing your legal rights, you can better protect your home, land, and family. If you’re looking for a new property investment, you may visit REALS.PH for an updated listing of the best condominiums in Baguio City, as well as house and lot for sale in the Philippines.
 SHOULD THE PHILIPPINE ESTATE TAX AMNESTY BE EXTENDED?If you have a property title in the name of a deceased family member, now is the best time to settle your estate tax obligations. Fortunately, the Philippine government has granted taxpayers a chance to pay estate taxes without penalties and surcharges through the Estate Tax Amnesty Program. The bad news is that it’s only good until June 14, 2025—hence, many Filipinos are appealing for an extension to settle their taxes. What Is Estate Tax Amnesty? The Estate Tax Amnesty allows heirs to pay a reduced 6% flat rate on the deceased's total net estate value. More importantly, it waives penalties, interest, and surcharges that may have accumulated over the years. This program is part of the government's effort to help families legally transfer inherited properties and avoid costly legal issues. This was made possible by Republic Act No. 11956, which extended the original amnesty under RA No. 11213 (Tax Amnesty Act of 2019). The program covers estates of decedents who died on or before December 31, 2022. If you haven’t settled your estate tax yet, take advantage of the amnesty now. Why Settle It Now? After June 14, 2025, the amnesty will end. Estate taxes will go back to the regular computation with added penalties, making it much harder and more expensive for heirs to transfer land, houses, or other assets into their names. This is particularly important for families who inherited agricultural land or alienable and disposable (A&D) properties. Without proof of payment, you won’t be able to update land titles or sell the property. Do You Need an Extrajudicial Settlement? If you are unsure whether you need an Extrajudicial Settlement (EJS) before paying estate tax, you don’t need it to process the tax payment. However, it is necessary for transferring property titles among heirs. To beat the June 14 deadline, you can file and pay the estate tax first, then complete the EJS later. Without the EJS, the Register of Deeds won’t allow the change of ownership. To file for estate tax amnesty, prepare the following:
Final Thoughts Many Filipino families miss out on property benefits because of the unsettled estate tax. Even worse, many heirs don’t know about this major tax obligation after their parents have passed away. If your family has an unsettled inheritance, now is the best time to do it with minimal cost and hassle. Head to the nearest BIR office or consult a tax lawyer to begin the process. Remember, June 14, 2025, is just around the corner.
Looking for real estate properties in the Philippines? We got you! REALS.PH has an online listing of the best condominiums in Baguio, house and lot, subdivision properties, and other housing developments near you. Visit the site now and find the perfect property in the Philippines that suits your preferences! condominiums for sale in Baguio City real estate broker in Baguio Everything You Need to Know When Buying Land in the Philippines As a Former Filipino Citizen6/12/2025 Can Former Filipino Citizens Purchase Lot Properties in the Philippines If you’re a former Filipino citizen who has acquired foreign citizenship, you may be wondering whether you can still purchase land in the Philippines. The good news is that Philippine laws provide specific rights and allowances for former natural-born Filipinos when it comes to owning property in the country.
Land Ownership Limits for Former Filipinos Under existing Philippine law, former natural-born Filipino citizens are permitted to own land in the Philippines. This provision is outlined in Batas Pambansa Blg. 185 and Republic Act No. 8179, which allow land acquisition for both residential and business purposes, provided certain limitations are observed. If you are purchasing land for residential purposes, you are entitled to acquire:
These land ownership limits are strictly enforced. Moreover, a former Filipino citizen is only allowed to acquire two lots located in different municipalities or cities, provided the total land area does not exceed the maximum allowable limit. Requirements for Purchasing Land To buy land in the Philippines as a former Filipino, you must provide proof of your previous Philippine citizenship. Typically, this includes:
Reacquiring Philippine Citizenship Former Filipinos may also consider reacquiring Philippine citizenship through Republic Act No. 9225, known as the Citizenship Retention and Re-acquisition Act of 2003. Once citizenship is reacquired, there are no more restrictions on land ownership – reacquired citizens enjoy the same property rights as any other Filipino citizen. The reacquisition process can be completed through the Philippine consulate in your current country of residence. Importantly, dual citizenship restores property rights while allowing you to engage in business, vote, and reside in the Philippines even without a visa. Final Thoughts Buying property in the Philippines as a former Filipino citizen is entirely legal and feasible, provided you follow the proper legal procedures and respect the limitations imposed by the law. Whether you’re looking to build a retirement home or start a business, understanding your rights is the first step toward making a sound investment. Before making any purchase, it is advisable to consult with a Philippine real estate attorney to ensure compliance with all legal requirements. By doing so, you can safeguard your investment and enjoy a smooth transition to owning land in your homeland once again. You may also visit REALS Corporation website to find the best house and lot for sale in Baguio, Cavite, Laguna, and other strategic locations in the Philippines. house and lot for sale in Baguio city Renting vs Buying a Home in the Philippines 2025 Trends
Should you rent or buy a home in the Philippines? That is the question. It’s good to know that the Philippine real estate market continues to shift rapidly. With evolving market dynamics, government programs, and changing consumer behavior, this guide will help you make the right decision based on the latest trends. Philippine Real Estate Trends 2025 Overview Property values have stabilized in Metro Manila, but suburban and provincial areas like Laguna, Cavite, and Cebu are experiencing strong appreciation. Interest rates remain at 5.75%, but possible cuts from the Bangko Sentral ng Pilipinas could make home loans more accessible. Moreover, programs like 4PH or Pambansang Pabahay Para sa Pilipino aim to increase the supply of affordable housing nationwide. Rent vs Buy, Which Is Better? There are many factors to consider when deciding whether to buy a new house or rent a condo apartment in the Philippines. Make sure to keep the following in mind to make an informed decision: Pros and Cons of Buying a House Buying a home in the Philippines can be a smart investment or a financial stretch, depending on how you approach it. The following are the advantages of buying your own house:
Advantages and Disadvantages of Renting Now, you may be wondering what it costs to rent a space in the Philippines. Here are the main benefits of renting a property that you need to consider:
Currently, rent growth is flat in Metro Manila due to oversupply. However, many landlords offer incentives to attract tenants. If you’re looking for a short-term stay or job mobility, it’s best to rent an apartment near your workplace. It’s also better to rent when you’re budget-sensitive or have uncertain income for now. Final Thoughts The decision to rent or buy in 2025 mainly depends on your financial readiness, location preferences, career plans, and lifestyle. While buying offers long-term growth, renting gives flexibility amid market uncertainties. Evaluate your goals, compare costs, and consult trusted platforms in the Philippines like REALS Corporation before making a move. Contact us today to get free advice from our best real estate agent in Baguio City. You can also browse our listing on the website for the perfect house and lot you’re exactly looking for. condominium for sale in Baguio city house and lot for sale in Baguio city |
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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
