Pol Josef Realty Services

21/05/2026

Accredited to government agencies with license in real estate practices.

16/02/2026

🏳️‍🌈 SAME-SEX COUPLES CAN LEGALLY CO-OWN PROPERTY IN THE PHILIPPINES

Good news for couples building their future together 💕

In February 2026, the Supreme Court of the Philippines clarified that:

👉 Even if same-sex marriage is not yet legal in the Philippines,
👉 Same-sex partners who acquire property together can legally be recognized as co-owners.

Meaning?

If both of you contributed to buying the property — whether:

💰 One paid the downpayment
🏦 One paid the monthly amortization
🔨 One funded renovations
🧾 Or both shared expenses

The property can legally belong to BOTH of you.

BUT let’s be clear:

❌ This is NOT legalization of same-sex marriage
❌ This does NOT automatically give inheritance rights
❌ This does NOT give spousal benefits

This ruling is about PROPERTY OWNERSHIP only.

⚖ IMPORTANT: You must prove contribution.

Ownership will depend on actual financial or material contribution.
So keep your:

✔ Receipts
✔ Bank transfer records
✔ Payment proofs
✔ Renovation documents

The Court recognizes shared investment — not just shared love.

In simple terms:
If you built it together, paid for it together, you can legally own it together.

🏡 Real estate is for everyone who works hard for it.

If you have questions about property ownership setup, co-ownership contracts, or title registration — message me anytime.

10/02/2026

🏠 PROPERTY OWNERSHIP IS NOW CLEARER — AND MORE INCLUSIVE

Buying property with your partner?
Here’s an important update from the Supreme Court of the Philippines 👇

✔️ Same-sex partners can legally co-own property
✔️ Ownership is based on actual contribution
✔️ Your investment is protected when properly documented

This ruling reminds us of one thing:
𝗥𝗲𝗮𝗹 𝗲𝘀𝘁𝗮𝘁𝗲 𝗼𝘄𝗻𝗲𝗿𝘀𝗵𝗶𝗽 𝗶𝘀 𝗮𝗯𝗼𝘂𝘁 𝗰𝗼𝗺𝗺𝗶𝘁𝗺𝗲𝗻𝘁 𝗮𝗻𝗱 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 — 𝗻𝗼𝘁 𝗹𝗮𝗯𝗲𝗹𝘀.

If you’re planning to buy together, structure it correctly:
• Proper contracts
• Clear documentation
• Correct titling from the start

📩 Thinking of buying a condo, house, or lot with your partner?
Let’s make sure your ownership is c𝗰𝗹𝗲𝗮𝗿, 𝘀𝗲𝗰𝘂𝗿𝗲, 𝗮𝗻𝗱 𝗳𝘂𝘁𝘂𝗿𝗲-𝗽𝗿𝗼𝗼𝗳.

𝐷𝑖𝑠𝑐𝑙𝑎𝑖𝑚𝑒𝑟: 𝑆ℎ𝑎𝑟𝑒𝑑 𝑓𝑜𝑟 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑙𝑒𝑔𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒. 𝐹𝑜𝑟 𝑙𝑒𝑔𝑎𝑙 𝑐𝑜𝑛𝑐𝑒𝑟𝑛𝑠, 𝑝𝑙𝑒𝑎𝑠𝑒 𝑐𝑜𝑛𝑠𝑢𝑙𝑡 𝑎 𝑙𝑎𝑤𝑦𝑒𝑟.

10/11/2025

The Department of Human Settlements and Urban Development (DHSUD) has ordered the Home Development Mutual Fund (Pag-IBIG Fund), National Housing Authority (NHA), Social Housing Finance Corporation (SHFC), and National Home Mortgage Finance Corporation (NHMFC) to suspend amortization payments for families affected by Typhoon “Tino” and Super Typhoon “Uwan.”

The DHSUD also provided temporary shelters in Cebu and continues to coordinate with local government units for ongoing recovery efforts in affected communities. 🇵🇭

Read more here👇:
https://businessmirror.com.ph/2025/11/10/dhsud-suspends-housing-payments-in-tino-hit-areas/

📸 Business Mirror

08/11/2025

09/08/2025

📣Beware of the word “CLEAN TITLE” 💥

You can only call it clean title IF:

⭕ Owners that appears in the title of the property are still ALIVE & CAN SIGN documents

⭕ NO disputes attached in the title AND “certified true copy” of the title.

Please take note of the word “AND” because not all disputes are printed in the original title itself. Thus, it is very important to request for the latest certified true copy of the title.

⭕ All real estate taxes are paid on time. Always request for latest real estate tax clearance.

⭕ If the owners are married (on or after 1987) the property is considered conjugal even if only one property owner is in the title. Both should sign sale documents. Should the property owner dies, heirs should file and pay for the estate tax of all the properties.

⭕ If the property estate taxes are not yet paid, the property cannot be called “CLEAN”.

⭕ Magkaiba po ang real estate tax na binabayaran ninyo annually at ang estate tax (BIR FORM 1801). You only pay estate tax if the owner in the title is already dead. Penalties (like big penalties) apply for late filing.

21/07/2025

📢 NOTICE TO THE PUBLIC 📢

Buying or selling property? Make sure you’re protected!

✅ Deal only with PRC-Licensed Real Estate Brokers and Accredited Salespersons.

🪪 Always ask for their PRC ID or Registration Number to confirm their legitimacy.

Don’t risk your hard-earned money on unlicensed transactions.
Be smart. Be safe. Be informed. 💼🏠

15/06/2025

🏠 DEED OF SALE, CONDITIONAL SALE, OR CONTRACT TO SELL? Know the Difference!

When buying or selling property, the kind of document you use matters. Here’s a quick guide to help you understand which document fits your transaction best:

🔹 DEED OF ABSOLUTE SALE
This is used when the sale is final and full payment has been made. Ownership is transferred to the buyer right away.
✅ Best for: Cash sales or when full payment has already been settled.

🔹 DEED OF CONDITIONAL SALE
This is used when ownership is transferred immediately, but with certain conditions (e.g., balance payment in installments). If the buyer fails to meet the condition, the seller may rescind the contract.
✅ Best for: Sales where the seller allows the buyer to take ownership early, subject to conditions.

🔹 CONTRACT TO SELL
Here, the seller retains ownership until the buyer completes payment or meets agreed conditions. No ownership transfer until obligations are fulfilled.
✅ Best for: Installment payments or financing—protects the seller until full payment is made.

⚖️ REMEMBER:
Choosing the right document helps protect both buyer and seller. Don’t sign anything without understanding its legal effect.

📌 For legal advice or document drafting, feel free to message us.


Ctto

13/06/2025

Another successful released title. 🥰🙏🏻🙏🏻🙏🏻

05/06/2025

Kung hanggang ngayon naka pangalan pa rin sa lolo mo na pumanaw 40 years ago ang titulo o tax dec ng lote nio, baka milyon na ang penalty nyan sa estate tax. Tara e process natin para maka less sa tax🙏🏻