Tips on How To Buy a Property in the Philippines

Tips on How To Buy a Property in the Philippines


Check if the Project has a Certificate of Registration and License to Sell.
You should ask the broker/agent of the owner/developer if the project is registered and has a License to Sell issued by HLURB:
* This can be verified at the On-line Queries/HLURB website ( for the list of projects covered with Certificate of Registration and License to Sell as well as any encumbrance thereon, e.g. Cease and Desist Order, Suspension of License, etc.;
* Or you may visit or call the nearest HLURB Regional Office for this information.

Visit the subdivision/condominium, where the house and lot or condo unit to be purchased is located to know its natural topography, viz: susceptibility to landslide, flooding, erosion, etc.;

If the project is covered with a License to Sell, you may already enter into a Contract with the owner/developer. However, there are things which must be checked:

The date of completion of the project as indicated in the License to Sell;

If the property is mortgaged, it should have a Clearance to Mortgage from the HLURB;

The facilities and amenities represented in the advertisement flyers/ brochures are in accordance with the approved subdivision and condominium plan on file with HLURB.


Check if the broker/agent is registered with HLURB/DTI;

Verify if the property has not been sold to other buyers with the Register of Deeds;

Check into your source of income whether you can afford to pay the equity and the monthly installments;

Check if the materials of the house or condo unit conform with the development standards and approved construction specifications submitted to HLURB;

Check whether the developer would payfor the water and electric meters, the subdivision perimeter fence, etc;.

Check who would eventually operate the subdivision/condominium water system.


Don’t sign any blank form of the Contract;

Read thoroughly all the contents of the Contract more especially the terms and conditions in fine print;

Secure a copy of the Contract and all other documents that you have signed;

Make sure that the Contract would be registered by the owner/developer to the Register of Deeds;

Pay directly to the owner/developer or the marketing agent authorized by said owner/developer only; and

Ask an official receipt on all payments for your file.


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