Daryll Calumboy - RES

Daryll Calumboy - RES Mac Realty's Overall Top 1 Seller 2024
Mac Realty's Overall Top 2 Seller 2025
PRC and DHSUD registered RES
Need to sell your property? Message me!

Need someone to assist you? Im at your service! Your Trusted Realtor

All the glory to God!👆

25/04/2026

Celebrating my 7th year on Facebook. Thank you for your continuing support. I could never have made it without you. 🙏🤗🎉

📝 Checklist Before Signing Real Estate DocumentsBago ka pumirma, siguraduhin mong malinaw ang lahat—para iwas problema l...
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.

🏛️ Ano ang Transfer Tax? (Simple Explanation)Ang Transfer Tax ay isang buwis na binabayaran sa local government (LGU) ka...
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

📄 What is Documentary Stamp Tax (DST)? (Simple Explanation)Documentary Stamp Tax (DST) is a government tax on legal docu...
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.

💸 Ano ang Capital Gains Tax? (Simple Explanation)Ang Capital Gains Tax (CGT) ay buwis na binabayaran kapag nagbenta ka n...
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.

✍️ What is Notarization? (Simple Explanation)Notarization is the process of having a document officially verified and si...
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

📜 When Do You Need Extra Judicial Settlement (EJS)?Kailangan ang EJS kapag may ari-arian ang namatay at kailangang hatii...
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.

📜 Ano ang Extra Judicial Settlement? (Simple Explanation)Ang Extra Judicial Settlement (EJS) ay isang kasunduan ng mga h...
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.

📄 What is Transfer Certificate of Title (TCT)? (Simple Explanation)A Transfer Certificate of Title (TCT) is the official...
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.

📜 What is Deed of Absolute Sale? (Simple Explanation)A Deed of Absolute Sale (DOAS) is a legal document that proves the ...
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.

📄 What is Contract to Sell (CTS)? (Simple Explanation)A Contract to Sell (CTS) is a legal agreement between the buyer an...
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.

🏦 What is Pre-Approval? (Simple Explanation)Pre-approval is when a bank or lender checks your finances in advance and te...
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.

Address

Cebu City

Website

Alerts

Be the first to know and let us send you an email when Daryll Calumboy - RES posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Share

Category