Rising Condo Sales, and Yet Banks Are Cautious Regarding Real Estate Loans Despite the recovery of the condominium market in Metro Manila, Philippine banks remain cautious in approving loans for real estate borrowers. In fact, during this year’s Q3, exposure of banks to the industry eased slightly amid the signs of rising condominium sales in NCR. Let’s dive into the latest data on the trust units of banks, specifically their exposure to real estate loans, in this article. Banks and Real Estate Loans The Bangko Sentral ng Pilipinas released figures for Philippine banks’ trust units, showing their exposure to the real estate industry. In terms of the total real estate loan book of banks at the end of September, they settled at 19.54% trust units. That means a marginal decline, with 19.55% in the previous year and 19.61% during the second quarter. In September, it recorded a 9.2% increase in total real estate loans, that’s PHP 3.1 trillion from PHP 2.84 trillion last year on the same period - this means a 2.3% growth from the last quarter. On the other hand, investments in real properties decreased by 5.8% to PHP 354.7 billion. The data from the BSP showed that investment decline was due to the 5.5% decrease in debt securities to PHP 232.5 billion and a 6.2% slide in equity securities to PHP 122.3 billion. With structural changes happening in the real estate market, this shift affects how banks offer financing services. With the exposure easing slightly, it only shows that they become more cautious in lending money despite the oversupply in residential properties and higher condo vacancy rates, especially in buildings once occupied by Philippine offshore gaming operators. It can be remembered that in 2024, the government banned POGOs in the country. As POGOs left the country, residential unit loans rose to 11.2% to PHP 1.19 trillion, while commercial financing increased by 7.3% to PHP 1.91 trillion. Meanwhile, real estate loans from Philippine banks peaked at PHP 3.09 trillion, higher by 8.8% from 2024. Direct real estate investments, however, went down by almost 14% to PHP 90.2 billion. This easing of bank exposure contradicts the uptick in NCR’s pre-selling market. Condo Demand Exceeding Expectations Colliers Philippines, a real estate brokerage company, released a statement that condominium demand exceeded expectations for two consecutive quarters. Furthermore, the decline in buyer backout apparently showed a steadier recovery for the property market. They also reported that condos worth PHP 2.5 million to PHP 12 million comprised the 90% of net take-up during the previous year’s first 9 months. Final Thoughts With the rising demand for condominium units in the Philippines, banks remain guarded when it comes to property loans. Promotions by developers for condo units continued to strengthen investors’ confidence, including OFWs and local workers. If you’re looking for a new investment, go to REALS.PH and see our exclusive listings of luxury condominiums in Baguio City and other properties for sale nationwide.
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Rising Prices of Properties Continue as of Q3 Despite the Slower Pace According to the Bangko Sentral ng Pilipinas, home prices continued to go up in this year’s third quarter; however, at a slower rate. This is an important factor in determining the current condition of the credit and real estate market in the Philippines. So, let’s discuss the ongoing rate for residential properties and how it affects the buying decisions of consumers. What Is RPPI? The Residential Property Price Index (RPPI) is the computation of the median change in housing unit prices over time. It is computed using the actual housing loan data from different banks in the country. This is important information that helps describe the current real estate market conditions, so Filipino buyers can make informed buying decisions. Before investing, understanding the average change in property prices can give you a smarter choice. Median Prices of Philippine Housing Units There have been a lot of assumptions about the real estate market in the Philippines, but facts are facts. Let’s find out the figures for the third quarter’s RPPI and see how it changed in media prices. Based on data, all housing types’ median price equaled PHP 3.462 million as reported on the Residential Property Price Index. For condominium units, the average price amounted to PHP 3.469 million, while the median price was at PHP 3.292 million. Meanwhile, the residential property prices increased by 1.9% year-on-year as of Q3 2025 for different types of residential properties nationwide. On the other hand, the previous quarter had seen a 7.5% increase in housing unit prices. In Metro Manila, the residential property prices posted a 2.3% increase, leading the overall year-on-year growth. For areas outside NCR, property prices increased by 1.6% to PHP 3.383 million within that period. Moreover, condominiums drove the prices with an average price of PHP 3.405 million, while houses rose to PHP 3.164 million. Housing units, including houses and condos, in Metro Mindanao, Metro Cebu, and the Balance Greater Manila Area, settled at PHP 3.596 million and PHP 3.4 million, respectively. Overall, houses are the cheapest option for those who want to invest in a new property before the end of the year Final Thoughts While the property prices continued to skyrocket during the third quarter of 2025 for both condominiums and houses, it has been at a much slower pace. Real estate experts, however, projected a steady growth for next year in terms of investors and buyers. If you’re looking to invest in a new condo in Baguio City, check out REALS.PH website. You may also list a property on the homepage, so that our trusted real estate agents can help you get a buyer. As the leading brokerage company in the north, we’ve always stayed reliable for our clients and agents through the years. Contact us now if you have any questions or other related concerns.
Home Safety Tips Before Taking a Vacation for the Holidays ‘Tis the season again, people are busy shopping and taking family vacations out of town. And this is also the season for the bad guys to bypass your home’s security. During these festivities, residential break-ins increase as people leave their homes for the holidays. Therefore, it’s crucial to understand how you can protect your home from becoming prime targets for burglary and other crimes while you’re away. Importance of Travel-Proofing Your Home Aside from theft, unoccupied homes during the holidays are also susceptible to open flames and other incidents. You surely don’t want to come home to a burnt house, or your valuables being gone due to robbery. Protecting your investment while enjoying your holiday is a must. So, make sure to secure your home before going on vacation with the whole family, especially if it’s out of the country. There are simple ways to prepare your house with effective measures to ensure intruders will fail their mission, or faulty wiring won’t cause fire damage. Keeping Your Home Safe and Secure If you’re planning a holiday getaway with the entire family, make your home appear occupied. For instance, you can install solar lights that automatically turn on at dusk. You can also ask your relatives to check on the house from time to time. Do not share on social media regarding your travel plans and refrain from uploading your whereabouts. Installing security cameras also help you monitor the house using your smartphone even if you’re away. Modern CCTVs provide real-time surveillance so you can monitor your house remotely and keep burglars at bay. Being able to check on your property even while you’re on an out-of-town trip is a huge advantage which gives you peace of mind. Furthermore, ensure that all your valuables are not within reach or easily accessible areas in the house, such as near the windows. Keep your belongings inside safes or lockable cabinets to avoid getting stolen. Secure all entry points in the house so that intruders can’t get in easily. You can install motion-detection lights to alert anyone trying to break in. Your first line of defense is your locks on windows and doors so make sure they are high-quality and reliable. Add another layer of locking mechanisms to entry points like sliding doors to avoid forced entry. Always plan ahead before taking holiday vacations so that you can have peace of mind knowing your home is safe and secure. Final Thoughts Now that you are aware how to keep your home secure while you’re on a vacation, it’s easier to keep it protected against uninvited guests. Nothing beats a well-secured home amid the holiday season celebrations around the Philippines. If you want to discover the best properties with excellent security systems, visit REALS.PH to find our current listings including luxury condominiums in Baguio. Talk to our real estate agents to know more about the details.
Home Repair Loan Guide for Filipino Homeowners 2026 If you need to conduct an emergency home repair or renovation, budget can be an issue. In that case, you can apply for a loan to cover the expenses for the time being. There are several financing options in the Philippines that you can choose from. But before that, let’s talk about how to apply for a loan for your home repair needs and get approved in this short guide. Why Take on a Loan for Home Repairs Wear and tear, plumbing issues, or typical weather damage often trigger home repairs or renovations. You may have leaking roofs or broken tiles in the kitchen that may cause an accident. These sudden, necessary repairs may become more serious and expensive if you don’t take action now. Don’t worry if you don’t have enough savings because you can borrow money from a bank or financing company to help you cover the costs. The good news is that getting a loan for home repair has become easier and more practical for a lot of Filipinos. Just make sure you are borrowing from a legitimate lender with fair conditions. Some banks offer personal loans if you don’t want collateral and really need the cash right away. Unsecured loans like this can lend you an amount between PHP 20,000 and PHP 2 million. The amount would depend on your creditworthiness and income. Loan Application Processing Nowadays, banks provide faster processing of loan applications. If you’re lucky, you can get approved within the day as long as you are eligible and have all the requirements. Digital banks even made it simpler and easier for applicants to process their loans and expect quick approvals. Personal loan funds can be used for home repairs as well as other purposes. Another financing option is the Pag-IBIG Multi-Purpose Loan, with an easy-to-access platform for members, and it offers affordable payments. The amount that can be borrowed is up to 80% of the total Pag-IBIG savings. The repayment period is up to three years with a fixed monthly interest rate. This is ideal for mid-sized home repairs without the lengthy processing. However, you need at least 24 months of contributions to be eligible for the loan. If you hire a builder or contractor, you can ask them about in-house financing so you can spread out the payments into a manageable plan, including the repairs. You may avail of their in-house installment program or third-party lending partnership. Depending on the contractor, approval processes can be same-day or up to several business days. Final Thoughts Fixing your home doesn’t need to hurt your emergency fund or give you financial strain. Choose the right financing option and complete the requirements to get approved in no time. If you want to explore new properties that are within your budget, check out REALS.PH for our exclusive listings, including house and lot for sale in Baguio City and other parts of the Philippines.
How to Solve Property Maintenance Issues in the Philippines Proper maintenance is important for your home’s safety and longevity. With harsh weather conditions often experienced in the Philippines, especially during typhoon season, it’s even more crucial to check and maintain your house regularly. So, what are the most common maintenance problems that homeowners encounter, and how can they solve them? Read on to find out how to keep your home hassle-free all year round. Mold Growth in Bathrooms Mold and mildew are common issues in many homes in the Philippines, largely due to the country's humid climate. This poses serious health risks, hence it warrants immediate action. To remove mold growth in basements, bathrooms, and other moisture-prone areas in the house, clean surfaces using commercial mold remover. It’s also effective to maintain proper ventilation around the house and fix the leaks to prevent moisture exposure. Leaks in Roofs and Slabs Another major problem to solve quickly is a leaky roof. If this issue is not addressed promptly, it can cause damage to your property. Heavy rains are no joke in the Philippines, especially with strong typhoons hitting the country every year. Make sure to inspect your roof regularly for cracks, wear, or any damage. Use waterproof sealants to cover gaps or hire a skilled worker to repair major damage. Faulty Wirings in Electrical Systems Overloading circuits and other electrical issues are dangerous as they may cause electrocution and fire. For your safety, get an electrician to inspect any damage to old wiring systems. They can upgrade the system to ensure safety standards are met. It’s also helpful to install surge protectors in case of power surges in your area and protect your appliances from damage. Blockages in Drainage Food particles, hair, and used cooking oil are common causes of clogged drainage. Obstructed drains can lead to further damage due to water backing up and an unpleasant smell. The best solution is to use drain covers so that the debris will not go down the pipe and obstruct it. Another homemade solution is to clean the drains with vinegar and baking soda. For more serious damage, you can hire a plumber to remove the clog. Cracks in the Walls Poor construction is often the leading cause of cracked walls, as well as moisture and settling. It’s important to address these cracks as they can affect the foundation of your house. You can fix small cracks with caulk or apply reinforcements for bigger cracks on the wall. Consult an engineer to ensure underlying issues are properly diagnosed and resolved. Final Thoughts Regular maintenance helps prevent common problems in your property, such as leaky roofs and clogged drains. Properly addressing these issues at hand will improve your home’s safety and functionality in the long run. Knowing how to deal with each problem can help protect your investment while creating a comfortable space for you and your family. You can visit REALS.PH today to discover well-maintained properties in Baguio City and other major cities nationwide.
Practical Tips for a Budget-Friendly Home Renovation Affordable home renovation is possible when you plan your budget wisely before starting the project. Instead of feeling overwhelmed, you can enjoy having your home renovated with some money-saving tips from the experts. Make a smart choice today with this proper planning guide so you can renovate your house while sticking to your budget. Money-Saver Renovation Hacks Whether you’re having a major renovation project or just giving your home a new look, here are proven tips to help you stay within the budget:
Final Thoughts Now you’re equipped with the most practical ways to carry out your renovation plan on a budget. These tips will help you achieve an affordable renovation without compromising the quality of the work. Cut down your home renovation costs by planning and identifying the essential items on your project. Check out REALS.PH for some home inspiration, or list your property on the website if you want to sell it. Our real estate agents have already sold many properties nationwide, including house and lot in Baguio City. You can send us a message today for any related concerns.
Tips for Beginners Planning to Invest in Baguio Rental Properties Baguio City is more than just a tourist destination in the Philippines; it’s now a thriving hub for real estate investors. With its steady influx of visitors, strong university presence, and cool climate, the rental market here remains resilient. For Filipinos looking to start their journey in real estate, Baguio offers a promising opportunity to invest in rental properties. Consistent Demand and Dual Market Young professionals, tourists, and students keep the rental market active in Baguio all year-round. This gives a dual market advantage with long-term rentals catering to locals, while short-term stays attract travelers. With its strategic location, the city is accessible just a few hours from Metro Manila – a great option for weekend getaways or extended stays. The current rental market offers affordable monthly payments for studio or one-bedroom units, apartments, and Airbnb rooms. Whether you need a three-bedroom apartment for family travels or just a short-term unit for an overnight with friends, you can find the exact rental unit you need. The cap rent for residential units, on the other hand, goes up by 2.3% per year for those priced at PHP 10,000 and below. Investment Tips and Opportunities One of the most lucrative investment opportunities in the Baguio rental market is student housing. With universities like UP Baguio and Saint Louis University, demand for shared apartments and dorm-style units is steady. For tourist rentals, properties near Burnham Park, Session Road, and other tourist spots can yield higher returns, particularly during peak season. You can target the PHP 10,000 monthly bracket to ensure compliance with rent caps while appealing to wage earners. However, there are some risks and potential challenges that you should be aware of before investing in rental properties in the Summer Capital of the Philippines. For instance, there are regulatory limits to take note of, such as rent caps that may reduce potential income in the lower market segment. Also, an affordability crisis may arise as rising property prices make entry costs higher. This may require careful ROI calculations to ensure you will profit in time. The modernization of Baguio’s public market may also affect values and neighborhood dynamics with urban redevelopment. Here are some practical tips for beginners who want to explore investment opportunities in the city:
Final Thoughts Investing in rental properties is not all about instant wealth, but also about building long-term financial security. With proper research, careful management, and clear goals, real estate can become a reliable income stream. For Filipinos looking to invest in properties, REALS.PH is a property listing website that features condominiums in Baguio City and other types of real estate. Feel free to check it out today, or contact us if you have questions.
PH Government’s Pabahay Program to Benefit 4Ps Graduates For many Filipino families, it’s a dream come true to have their own home. With the Pambansang Pabahay Para sa Pilipino Program, more Filipinos from poor households can enjoy affordable housing courtesy of the government. Graduates of the Pantawid Pamilyang Pilipino Program are now eligible to benefit from the housing program. Let’s find out how the 4PH program can support these 4Ps graduates in securing their homes at more affordable costs. 4PH As Transition Pathway for 4Ps Graduates Among the 4PH beneficiaries, the program aims to serve as a transition pathway for graduates of the 4Ps to help their families get out of poverty. With affordable homes, self-sufficient 4Ps graduates can materialize their dream of homeownership as they pursue their careers. It’s a big help to their families as the pabahay program reduces monthly housing costs compared to the regular monthly rent. Following the initial distribution, the Department of Human Settlements and Urban Development aims to hand over additional housing units to 4Ps families and other beneficiaries. In San Mateo, more than 500 families will benefit from the housing units, while about 150,000 individuals will enjoy the expanded 4PH program. The main objective of the program is to secure housing for poor and deserving families nationwide. Improve Lives, Build Economic Stability If more 4Ps graduates can lift their families out of poverty, then the economy will grow even more in the coming years. By securing their own homes first, they can improve their lives as they achieve their dreams. Basically, 4PH is for families living near waterways, informal settlers, and other priority sectors. Also included in choosing beneficiaries are first-time homeowners. With their knowledge of which constituents need help the most, local government units help identify these beneficiaries. Low-income earners are allowed to take advantage of affordable Pag-IBIG housing. They simply need some guidance to navigate loan requirements and finally get approved. Moreover, the government provides a subsidy on interest so that beneficiaries can easily avail themselves of the affordable housing units. These self-sufficient homes for 4Ps graduates are made affordable for only PHP 1,600 per month. This collaboration between DHSUD and DSWD ensures that all qualified beneficiaries will get integrated support, from educational to housing assistance. With this kind of housing solution as part of the broader strategy of the Philippine government to help vulnerable families get out of poverty, more Filipinos can pursue the higher quality of life they deserve. Final Thoughts As the lives of many Filipinos from the poverty line continue to improve with the support of government programs like the 4PH, the national economy also grows each year. The goal is to help graduates of 4Ps to secure their homes and live better and safer. With the success of this program, more beneficiaries will reap the benefits for many years to come. Check out REALS.PH to explore the best properties for sale nationwide, including affordable house and lot in Baguio City. Message us today to know more about the listings.
What Home Buyers Prefer in the Philippine Real Estate Market In the Philippines, with a dynamic real estate market, certain property types are attractive to buyers. Some property types are most preferred depending on the location, such as high-rise developments in Metro Manila. It’s a no-brainer to choose a property that serves its purpose, like condo units near the workplace. In this article, let’s reveal the most attractive properties to Filipino home buyers today. Best-Seller Properties and Locations In Quezon City, Pasig, and Makati, mixed-use spaces and new high-rise developments continuously evolve to offer long-term appreciation and high rental yields. Quezon City is known for its high rental yields, making it a top-tier real estate location for investors. In CALABARZON, Batangas is another promising location with its fast-growing economic zones. Cavite also attracts buyers due to its infrastructure improvements and affordability for family homes. Meanwhile, golf communities are also on the rise when it comes to attractiveness to buyers. Many Filipinos are now looking for properties that encourage a more active lifestyle, while providing significant opportunities for growth and returns. It’s highly recommended to do your homework before investing in a property so you can make informed decisions. At a glance, the following are the best types of properties to invest in:
Where Should You Invest? To say a location is an investment hotspot, the area should be affordable, have long-term growth, strong economic activity, and great appreciation potential. Here are clear signs to look for when choosing a real estate investment location in the Philippines:
Final Thoughts Now that you know how to spot a high-yielding investment potential in a property, make it a year for growth and diversification. Make sure to decide based on demand, investment opportunities, and infrastructure developments to secure high appreciation over time. There are luxury condominiums and properties in Baguio City that are located near a golf course. If you want to explore great options, check out REALS.PH for more details. Kindly contact us today if you want to talk to one of our trusted real estate agents in the city.
Growth Trends for the Real Estate Industry in the Philippines 2026 As we approach 2026, the real estate market is also about to enter another transformative phase. From pandemic recovery to economic recalibration, the Philippines has seen stable GDP growth and strong domestic consumption in the 2024 and 2025 performance reports. Analysts say the upcoming year will be a period of significantly improved mobility, driven by the aggressive infrastructure rollout, thereby boosting demand for commercial and residential properties along major transit routes. Flagship Infrastructure Projects With the government focusing on infrastructure projects in the NCR, mobility in the metro is expected to improve in the coming years. This will strengthen connections to nearby cities with new transit routes, including the Skyway extensions, North-South Commuter Railway, and the Metro Manila Subway. Connectivity will expand, and so developers recalibrate their strategies through transit-oriented communities mainly designed for integrated, sustainable, and lifestyle-convenient living. Moreover, the Clark Airport and NAIA modernization will contribute to the growing demand for real properties in the surrounding routes. To reinforce this transformation, the Real Property Valuation and Assessment Act was created to enhance transparency, regulate valuation methodologies, and align with international appraisal standards. Some of the benefits of this reform include gaining more confidence from local and international buyers, minimizing valuation disputes, and reducing speculative pricing disagreements. Behavioral and Demographic Trends The increasing spending power of the young, urbanizing population continues to be an advantage for the Philippines. Long-stay expatriates, returning OFWs, and multinational employees are also contributing to the sustained growth of the real estate market. In addition, hybrid work arrangements support traditional and flexible workspace demands. Meanwhile, the tourism and hospitality industries welcomed 2025 with increased arrivals from Japan, Korea, the United States, and Southeast Asian countries. As a result, hotel development systems were reactivated with the increasing demand for mixed-use developments, including serviced apartments, event venues, retail, and residential buildings. The industrial sector, on the other hand, is moving away from Manila because of land scarcity – bringing it to Cavite, Pampanga, Laguna, and even Bulacan. Redevelopment of Prime Locations Urban renewal is also seen to push further modernization, such as in Bonifacio Global City, Ortigas Center, Makati CBD, and Pasay. Developers integrate green certifications, smart-home systems, flood control technologies, and sustainability protocols into their projects to level up the competitiveness of Metro Manila with other regional markets, including Kuala Lumpur, Bangkok, and Jakarta. Overall, these will stabilize the economy, expand urban modernization, revive tourism, adopt technological developments, and standardize valuation. Final Thoughts Demographic shifts and major infrastructure rollouts are key indicators of the growth of the Philippine economy and a more stable real estate sector this coming 2026. If you’re looking to diversify your investments and gain profits in the long run, REALS.PH can help you find the right property. We have listings of many properties for sale nationwide, including some of the most luxurious condominiums in Baguio City. Talk to our real estate agent today to know more about the details.
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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
