Frequently asked questions

Choose a property and schedule a viewing, then pay a reservation fee to take it off the market. Next comes the down payment, and the balance through spot cash, a Pag-IBIG housing loan, a bank loan, or in-house financing from the developer. After full payment or loan approval, a Deed of Absolute Sale is signed and notarized, the taxes are paid, and the title is transferred to your name at the Registry of Deeds. A+ RE Property Corp's agents guide you through every step, from viewing to turnover.

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Usually two valid government IDs with your TIN, proof of income (payslips, certificate of employment, ITR, or for business owners, business permits and financial statements), proof of billing, and for married buyers, the marriage certificate. Loans need more papers; the bank, Pag-IBIG or developer gives you their checklist. Always ask for a copy of the title (TCT or CCT) and tax declaration of the property you are buying.

A reservation fee holds the property for you while you prepare the down payment or loan. For developer properties it commonly ranges from ₱5,000 to ₱50,000 or more, and it is usually deducted from the price. It is often non-refundable if you back out, so read the reservation agreement before paying, and only pay to the developer or the seller's official account, with an official receipt.

Ask for a photocopy of the title (TCT for house and lot or land, CCT for condos), then request a Certified True Copy from the Registry of Deeds where the property is located. Check that the owner's name, lot number and area match, and that there are no liens, mortgages or adverse claims annotated at the back. Also check the tax declaration and real property tax receipts at the city or municipal assessor and treasurer. Our agents can help you do these checks.

A Transfer Certificate of Title (TCT) is the title for land, including house and lot. A Condominium Certificate of Title (CCT) is the title for a condo unit; you own the unit and a share of the common areas, while the land is owned by the condominium corporation.

Pre-selling properties are sold before or during construction, usually at a lower price with longer, lower monthly down payments. The trade-off is waiting for completion. Buy only from developers with a DHSUD License to Sell for that project, and check the promised turnover date.

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In rent-to-own, you move in and pay monthly while part of the payment goes to the purchase price; ownership transfers after full payment or loan take-out. Terms vary a lot, so get everything in a written contract that states the price, how much of each payment counts toward it, and what happens if you stop paying.

Yes. OFWs can buy and finance property, including through Pag-IBIG (membership is open to OFWs) and banks with OFW housing loans. You can sign documents at a Philippine embassy or consulate, or give a Special Power of Attorney to a family member in the Philippines. Many of our clients are OFWs and we can do video viewings.

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Foreigners cannot own land, but they can own condominium units as long as foreign ownership in the building stays within 40%. Former natural-born Filipinos may own land within the limits set by law (up to 1,000 sqm of urban land or 1 hectare of rural land for residential use). A foreigner married to a Filipino can live in a house and lot titled to the Filipino spouse. Consult a lawyer for your situation.

Pag-IBIG Fund lends to members to buy a house and lot, lot, or condo, or to build or renovate. The maximum loan is up to ₱6 million, with terms of up to 30 years and fixed-rate periods you choose. You generally need at least 24 monthly contributions, the capacity to pay, and must be within the age limits (not over 65 at application and 70 at the end of the loan). Rates and rules change, so confirm the current terms with Pag-IBIG.

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Pag-IBIG usually has lower rates for smaller loans and longer terms, but takes longer to approve and has a loan cap. Banks approve faster and lend higher amounts, often up to 80% of the appraised value for 20 to 25 years, but rates are usually higher and re-price over time. Many buyers compare both; our agents can help you decide.

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Commonly 10% to 30% of the price, depending on the property and how you finance the rest. Developers often let you pay the down payment in monthly installments over 12 to 36 months. Bank loans usually cover up to 80% of the appraised value, so plan for at least 20% plus closing costs.

It depends on the loan amount, interest rate and term. Use our mortgage calculator to estimate it, then confirm with the bank or Pag-IBIG. As a rule of thumb, banks prefer the monthly payment to be no more than about 30% to 35% of your gross monthly household income.

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By common practice in the Philippines, the seller pays the Capital Gains Tax (6%) and the broker's commission, while the buyer pays the Documentary Stamp Tax (1.5%), transfer tax, registration fees and notarial fees. This can be changed by agreement, so write it in the contract. Taxes are based on the selling price or the zonal/fair market value, whichever is higher.

Plan for roughly 3% to 5% of the price on top of the price itself: Documentary Stamp Tax (1.5%), local transfer tax (up to 0.5% of the value in provinces, up to 0.75% in Metro Manila cities), Registry of Deeds registration fees, notarial fees, and loan fees if you borrow. Exact amounts depend on the property and location; confirm with the BIR, the city or municipality, and your lender.

Capital Gains Tax is 6% of the selling price or the zonal/fair market value, whichever is higher, on the sale of real property classified as a capital asset (such as a home or idle lot not used in business). It is usually paid by the seller to the BIR within 30 days of notarizing the deed of sale.

Owners pay real property tax (amilyar) every year to the city or municipality, usually up to 1% of the assessed value in provinces and up to 2% in Metro Manila, plus the Special Education Fund tax of 1%. Many local governments give discounts for early payment. Ask the seller for updated tax receipts before you buy.

Fill in the "List your property" form with the type, location and asking price, or call our office. A licensed agent will contact you, check the documents, suggest a price based on similar properties, and market it on our website and social media. Approved listings get professional photos, video Reels and inquiries sent straight to the agent.

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For sales, broker commissions in the Philippines are commonly 3% to 5% of the selling price, paid by the seller when the sale closes. For leases, it is commonly one month's rent for a one-year lease. The exact rate is agreed in writing before marketing starts.

The owner's duplicate copy of the title (TCT or CCT), the latest tax declaration, real property tax receipts or a tax clearance, valid IDs and TIN of the owners, and the spouse's consent if married. Condos also need a certificate of no dues from the condominium corporation. If the owner is abroad or deceased, a Special Power of Attorney or the settlement of the estate is needed first.

It depends on the price, location and condition. Well-priced properties in good locations can sell in weeks; others take several months. After a buyer is found, paperwork and title transfer usually take one to three months, longer with bank or Pag-IBIG financing.

Usually valid IDs, proof of income, and payment of one or two months' advance rent plus a security deposit (often two months). Read the lease contract for the term, what the deposit covers, who pays association dues and utilities, and the rules on pets and repairs.

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Yes. Our short-term listings show the nightly rate, weekend rate and number of guests. Choose your dates and send a booking request; the host confirms availability and payment details. Pay only through the details the host or our office gives you.

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A+ RE Property Corp is an SEC-registered real estate company with an office at Maulawin Street, Santa Cruz, Laguna. Every agent profile on this website says whether the person is an A+ Official Agent, an independent licensed partner, or a referrer, and shows the PRC license of licensed agents so you can check it. Verified agents have had their identity and license checked by our office.

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Under the Real Estate Service Act (RA 9646), only PRC-licensed real estate brokers may negotiate and close sales for a fee, and accredited salespersons work under a licensed broker. A referrer only introduces a buyer or seller. On our website, A+ Official Agents represent the company, licensed partners are independent PRC-licensed agents, and referrers simply connect you with us.

We are based in Santa Cruz, Laguna, and list houses and lots, lots, condos and commercial properties across Laguna (Santa Cruz, Pagsanjan, Pila, Calauan, Los Baños, Calamba, Santa Rosa and more), nearby provinces, and other parts of the Philippines.

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Tap Call, WhatsApp or Viber on any listing to reach the agent directly, or send the inquiry form; replies usually come the same day. You can also call our office or visit us.

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