18/05/2026
🏡 THE 10 QUESTIONS EVERYONE ASKS BEFORE BUYING PROPERTY
Here are the TOP 10 questions our clients ask us — answered honestly and professionally:
1️⃣ “Do I really need a broker?”
YES. A licensed real estate broker protects your interests throughout the transaction. We verify documents, explain legal processes, negotiate on your behalf, and help you avoid costly mistakes or scams. Best of all, buyers usually don’t pay broker commissions directly — the developer or seller does.
2️⃣ “Is now a good time to buy?”
In many cases, YES — especially for pre-selling and developing provincial areas where property values are still appreciating. The best time depends on your budget, goals, and financing capability. Real estate prices rarely go down long-term, so buying earlier often means better value.
3️⃣ “Can I buy with bad credit?”
YES. Some developers offer in-house financing with more flexible approval requirements. You may also qualify through a co-borrower, higher down payment, or alternative income documents. Every case is different, and we help clients explore the best available options.
4️⃣ “What if I can’t afford the down payment all at once?”
Many developers allow flexible down payment terms through monthly installments — sometimes stretched up to 24–36 months with little or no interest. This makes property ownership more manageable for first-time buyers and OFWs.
5️⃣ “Can I own property as an OFW?”
Absolutely. OFWs can legally purchase property in the Philippines even while abroad. Transactions can be processed remotely through a Special Power of Attorney (SPA), online documentation, and digital coordination with your broker and developer.
6️⃣ “What documents do I need?”
Common requirements include:
✔️ Valid government IDs
✔️ Proof of income (payslips, COE, ITR, remittances, or bank statements)
✔️ Proof of billing/address
✔️ Pag-IBIG membership (if financing through Pag-IBIG)
Requirements may vary depending on the financing type and developer.
7️⃣ “How long does the buying process take?”
For Ready-for-Occupancy (RFO) properties, turnover can take around 3–6 months after approval and documentation. For pre-selling properties, completion may take 1–4 years depending on the project timeline and construction progress.
8️⃣ “What happens if the developer delays?”
Buyers are protected by Philippine real estate laws, including RA 6552 (Maceda Law) and regulations under DHSUD. If delays happen, buyers may have legal remedies, refund rights, or compensation options depending on the contract and payment history.
9️⃣ “Can I negotiate the price?”
Sometimes, YES — especially for pre-selling units, spot cash payments, or promo periods. A licensed broker can help negotiate discounts, flexible terms, waived fees, or better payment arrangements on your behalf.
🔟 “How do I know if the property is legitimate?”
Always verify the property documents before making any payment. We check the TCT/CCT, License to Sell, tax declarations, ownership records, and developer accreditation to ensure the property is legitimate, marketable, and legally compliant.
📩 Have more questions? Send us a message and we’ll guide you step-by-step toward the right property investment.
