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Daryll Calumboy - RES, Cebu City (2026)

25/04/2026

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25/04/2026

📝 Checklist Before Signing Real Estate Documents

Bago ka pumirma, siguraduhin mong malinaw ang lahat—para iwas problema later 👇

✅ 1. Verify the Property
• Tama ba ang location, size, at unit details?
• Tugma ba sa napag-usapan?

✅ 2. Check the Seller/Developer
• Legit ba ang owner or developer?
• May authority ba sila magbenta?

✅ 3. Review the Price & Terms
• Tama ba ang TCP, down payment, at monthly terms?
• May hidden charges ba?

✅ 4. Read the Contract Carefully
• Intindihin bawat clause—lalo na penalties at deadlines
• Huwag mahiyang magtanong kung may hindi clear

✅ 5. Confirm All Fees & Taxes
• Sino ang magbabayad ng CGT, DST, transfer tax, etc.?

✅ 6. Check Required Documents
• Title / CCT / TCT
• Contract to Sell or Deed of Sale
• IDs and supporting documents

✅ 7. Ensure Notarization
• Dapat pipirma ka sa harap ng notary public

⚠️ Important:
👉 Once you sign, binding na ang contract—hindi basta mababawi

📌 Bottom line:
Think before you sign—klaro dapat lahat bago pumirma

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

25/04/2026

🏛️ Ano ang Transfer Tax? (Simple Explanation)

Ang Transfer Tax ay isang buwis na binabayaran sa local government (LGU) kapag inililipat ang ownership ng property.

Sa madaling salita:
👉 Ito ang bayad para mailipat ang property mula sa seller papunta sa buyer

💡 Kailan ito binabayaran?
• Pagkatapos ng bentahan
• Bago ma-transfer ang title sa pangalan ng buyer

📊 Magkano ito?
• Usually around 0.5% – 0.75% ng property value
• Depende sa city o municipality

⚠️ Important:
• Kadalasan buyer ang nagbabayad (pero pwede mag-agreement)
• Required ito para ma-process ang title transfer
• May deadline—may penalty kapag late

📌 Simple breakdown ng taxes:
• CGT = seller (tax sa kita)
• DST = tax sa documents
• Transfer Tax = tax sa paglipat ng ownership

📌 Bottom line:
Transfer Tax = buwis para maipasa legally ang property sa bagong owner

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions

25/04/2026

📄 What is Documentary Stamp Tax (DST)? (Simple Explanation)

Documentary Stamp Tax (DST) is a government tax on legal documents involved in a transaction—especially in real estate.

In simple terms:
👉 Ito ang buwis sa dokumento na nagpapatunay ng bentahan o loan

💡 Kailan ito binabayaran?
• Kapag may Deed of Sale
• Kapag may loan/mortgage documents
• During property transfer process

📊 Sa real estate (Philippines context):
• Usually around 1.5% of the selling price or zonal value (whichever is higher)
• Commonly buyer ang nagbabayad (depending sa agreement)

⚠️ Important:
• Required ito para ma-process ang title transfer
• May deadline—may penalty kapag late

📌 Simple breakdown:
• CGT = tax sa seller (kita)
• DST = tax sa document/transaction

📌 Bottom line:
DST = buwis para maging legal at official ang documents ng property transaction

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

25/04/2026

💸 Ano ang Capital Gains Tax? (Simple Explanation)

Ang Capital Gains Tax (CGT) ay buwis na binabayaran kapag nagbenta ka ng property at kumita ka mula dito.

Sa madaling salita:
👉 Ito ang tax sa “gain” o tubo mo sa bentahan ng property

💡 Sa real estate (Philippines context):
• Usually 6% of the selling price, zonal value, or fair market value—whichever is higher
• Karaniwang seller ang nagbabayad (pero pwede mag-usap ang buyer at seller)

📊 Example:
If selling price = ₱3,000,000
👉 CGT ≈ ₱180,000 (6%)

⚠️ Important:
• Required ito bago ma-transfer ang title
• May deadline ang pagbabayad (may penalties pag late)
• Part ito ng closing costs sa bentahan

📌 Bottom line:
Capital Gains Tax = buwis sa kita mo kapag nagbenta ka ng property

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

25/04/2026

✍️ What is Notarization? (Simple Explanation)

Notarization is the process of having a document officially verified and signed in front of a notary public.

In simple terms:
👉 Pinapatunayan na ang dokumento ay totoo, kusang pinirmahan, at legal

💡 What happens during notarization?
• The signer presents valid ID
• The notary confirms identity
• The document is signed and stamped

📄 Why it’s important:
• Makes the document legally binding
• Adds credibility and authenticity
• Required in many real estate documents (CTS, DOAS, etc.)

⚠️ Important:
• Hindi sapat ang pirma lang—kailangan notarized para maging official
• Protects both buyer and seller from fraud

📌 Bottom line:
Notarization = legal validation that your document is genuine and enforceable

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions

25/04/2026

📜 When Do You Need Extra Judicial Settlement (EJS)?

Kailangan ang EJS kapag may ari-arian ang namatay at kailangang hatiin o ilipat sa heirs—nang hindi dumadaan sa korte.

In simple terms:
👉 Ginagamit ito kapag gusto niyong ayusin ang mana peacefully at legally

💡 You need EJS if:
• May property ang deceased (lupa, bahay, etc.)
• Walang last will (testamento)
• Lahat ng heirs ay nagkakasundo
• Gusto ninyo ng mas mabilis na proseso kaysa court

📌 Common situations:
• Ibebenta ang minanang lupa
• Ipapangalan ang property sa heirs
• Hahatiin ang mana sa magkakapatid

⚠️ Important:
• Kung may hindi nag-agree na heir, hindi pwede ang EJS
• Kailangan bayaran ang estate taxes at fees
• Dapat maayos ang documents bago mag-transfer

📌 Bottom line:
Kailangan ang EJS kapag may mana at gusto itong ayusin nang maayos, legal, at walang kaso

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

25/04/2026

📜 Ano ang Extra Judicial Settlement? (Simple Explanation)

Ang Extra Judicial Settlement (EJS) ay isang kasunduan ng mga heirs (tagapagmana) para hatiin ang ari-arian ng yumao nang hindi na dumadaan sa korte.

Sa madaling salita:
👉 Nagkakasundo ang pamilya kung paano hahatiin ang mana

💡 Kailan ito ginagamit?
• Kapag walang last will (testamento)
• Kapag lahat ng heirs ay nagkaka-isa
• Kapag gusto nila ng mas mabilis na proseso

📄 Ano ang ginagawa sa EJS?
• Ilista ang lahat ng heirs
• Ilagay ang mga properties (lupa, bahay, etc.)
• Pirmahan ng lahat at ipa-notaryo

⚠️ Important:
• Dapat complete at agreed lahat ng heirs
• May taxes at fees na kailangang bayaran
• Kailangan para ma-transfer ang property sa pangalan ng heirs

📌 Bakit mahalaga ito?
👉 Hindi maibebenta o maipapamana ng maayos ang property kung walang settlement

📌 Bottom line:
EJS = legal na paraan para hatiin ang mana nang walang court—kung may kasunduan ang lahat

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

25/04/2026

📄 What is Transfer Certificate of Title (TCT)? (Simple Explanation)

A Transfer Certificate of Title (TCT) is the official land title issued in your name after a property has been transferred to you.

In simple terms:
👉 Ito ang patunay na ikaw na ang legal owner ng lupa o house & lot

💡 Kailan nagkakaroon ng TCT?
• After full payment
• After signing the Deed of Absolute Sale
• After processing sa Registry of Deeds

📄 What’s inside a TCT?
• Name ng owner
• Property details (location, size)
• Title number
• Annotations (if may loan or encumbrance)

⚠️ Important:
• Ito ang pinaka-importanteng proof of ownership
• Kailangan ito sa pagbenta, pag-loan, at transfer
• Dapat “clean title” (walang legal issues)

📌 Difference from CCT:
• TCT = land / house & lot
• CCT = condominium unit

📌 Bottom line:
TCT = opisyal na titulo na nagpapatunay na sa’yo ang property

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

25/04/2026

📜 What is Deed of Absolute Sale? (Simple Explanation)

A Deed of Absolute Sale (DOAS) is a legal document that proves the property is fully paid and officially transferred to the buyer.

In simple terms:
👉 “Bayad na—at sa’yo na talaga ang property”

💡 What it means:
• Complete na ang payment
• Ownership is transferred from seller to buyer
• Basis para ma-transfer ang title sa pangalan mo

📄 What’s inside?
• Details of buyer and seller
• Property description
• Final selling price
• Confirmation of full payment

⚠️ Important:
• Kailangan ito para ma-process ang title transfer
• Usually notarized to make it legally binding

📌 Difference from CTS:
• CTS = to be paid pa (promise to sell)
• DOAS = fully paid + ownership transferred

📌 Bottom line:
DOAS = final proof na ikaw na ang legal owner ng property

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

25/04/2026

📄 What is Contract to Sell (CTS)? (Simple Explanation)

A Contract to Sell (CTS) is a legal agreement between the buyer and seller stating that the property will be transferred once full payment is completed.

In simple terms:
👉 “Sa’yo na ang property—pero full ownership comes after full payment”

💡 What’s inside a CTS?
• Total Contract Price (TCP)
• Payment terms (DP, monthly, balance)
• Project details and unit info
• Conditions before transfer of ownership

⚠️ Important:
• Hindi pa ito final ownership
• Title is not yet transferred until fully paid
• May obligations both buyer and seller

💡 When do you get it?
👉 After reservation and upon starting your payment terms

📌 Difference from Deed of Sale:
• CTS = promise to sell (pending full payment)
• Deed of Sale = fully paid, ownership transferred

📌 Bottom line:
CTS = kasunduan na magiging sa’yo ang property—kapag natapos mo ang bayad

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

25/04/2026

🏦 What is Pre-Approval? (Simple Explanation)

Pre-approval is when a bank or lender checks your finances in advance and tells you how much you can borrow.

In simple terms:
👉 “Ito ang estimated loan amount na kaya mong ma-approve”

💡 What happens during pre-approval?
• You submit basic documents (income, ID, etc.)
• The bank evaluates your capacity to pay
• They give you a loan estimate or range

🚀 Why it’s important:
• Alam mo agad ang budget mo
• Mas mabilis ang process kapag may napili ka nang property
• Mas confident ka maghanap ng unit

⚠️ Important:
• Pre-approval is not final approval
• Subject pa rin sa final evaluation + property assessment

📌 Bottom line:
Pre-approval = early green light para malaman mo kung hanggang saan ang kaya mong bilhin

⚠️ *Disclaimer: This content is for educational purposes only. Always consult licensed professionals before making any real estate decisions.

Daryll Calumboy - RES

25/04/2026

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