Real Estate 101.

23/11/2025

Do your due diligence! 💯

Court of Appeals Associate Justice Jose Lorenzo R. dela Rosa, a member of the Remedial Law Department of the Philippine Judicial Academy, discusses key issues on land titles and the steps buyers should take before acquiring properties in Episode 95: Protecting the Integrity of Land Titles.

What is a reconstituted title, and how is it different from the original title or the owner's duplicate? What remedies are available to buyers defrauded by sellers?

This week's podcast is available on Spotify, Apple Podcasts, YouTube, Facebook, and the website.

Spotify: https://open.spotify.com/episode/4NcLjdE0axrvAej7wGMueu?si=8BzkNdj4QIufZoL1glN-Ow

Apple Podcasts: https://podcasts.apple.com/ph/podcast/episode-95-protecting-the-integrity-of-land-titles/id1852172756?i=1000737742658

YouTube: https://youtu.be/KRcs30UAwwQ

Facebook: https://www.facebook.com/share/v/1MuvG4RZ8s/

SC website: http://sc.judiciary.gov.ph/podcasts/

08/11/2025

F.Y.I

Make sure you’re protected with MRI + Acts of Nature coverage.

🏠💡 Did you know?

Even if your house gets damaged or destroyed by a typhoon, earthquake, or flood…
👉 You STILL owe the bank or Pag-IBIG.
Yes — even if your home is gone, your housing loan doesn’t disappear.

You borrowed money, and that loan remains your responsibility until it’s fully paid.

That’s why when you buy a house through Bank Financing or Pag-IBIG, having the right insurance coverage is a must!

Here’s what every homeowner should understand 👇

🏦 1️⃣ MRI (Mortgage Redemption Insurance)
This protects your family if something happens to you (the borrower).

If you pass away before the loan is paid off, the MRI settles the remaining balance — so your loved ones won’t inherit the debt or risk losing the home. 🙏

🌪️ 2️⃣ Fire and Acts of Nature (AON) Coverage
This protects your property itself — in case it’s damaged or destroyed by fire, earthquake, flood, or typhoon.

Without this, the bank or Pag-IBIG will still collect loan payments even if your house is unlivable. 😢

📋 Here’s how it works:
✅ You file a claim for the damage.
✅ The insurance company pays the bank or Pag-IBIG directly (since your property is the collateral).
✅ If the claim amount covers your remaining loan — good news, your loan is settled!
✅ But if it’s less, you’ll have to pay the difference.

💡 Real talk:
Insurance pays for the damage, but your loan stays until the lender is fully paid.
MRI protects your family, and AON protects your home. Both are essential for your peace of mind and financial security. ❤️

✨ Tip:
Whether your home is under Bank or Pag-IBIG financing, review your insurance today.
Make sure you’re protected with MRI + Acts of Nature coverage.

Photo credits to the owner.

05/11/2025

Property taxes should be like sales tax. When your home is paid off it should end there. You shouldn’t have to pay taxes ever again.

04/11/2025

How about here in the Philippines???? 🤔

China introduced a new Divorce and Property Division Law in 2025 changing how couples split assets after separation.

The law eliminates automatic asset sharing, requiring spouses to prove they purchased or directly paid for property with documentation like bank transfers, contracts, or receipts.

Previously, assets acquired during marriage belonged jointly to couples regardless of whose name appeared on documents.

The new rule particularly affects women who left work to care for home and family, as they often lack formal documentation proving contributions.

Courts in Shanghai and Beijing already applied the new rule in recent trials, with decisions mostly favoring husbands who hold property titles.

29/10/2025

Sayang ang Iphone 17 Pro Max 2TB kung sa terms pa lang ng 1 BR na House and Lot na-CHOKE na.

28/10/2025

Always do your due diligence! 🙏❤️

𝗡𝗕𝗜 𝗔𝗥𝗥𝗘𝗦𝗧𝗦 𝗧𝗪𝗢 𝗜𝗡 𝗖𝗔𝗩𝗜𝗧𝗘 𝗙𝗢𝗥 𝗦𝗘𝗟𝗟𝗜𝗡𝗚 𝗨𝗡𝗥𝗘𝗚𝗜𝗦𝗧𝗘𝗥𝗘𝗗 𝗦𝗨𝗕𝗗𝗜𝗩𝗜𝗦𝗜𝗢𝗡 𝗣𝗥𝗢𝗝𝗘𝗖𝗧

In line with the directive from National Bureau of Investigation (NBI) Director JUDGE JAIME B. SANTIAGO (Ret.) to boost the operations against criminality, the NBI-Cavite District Office - North (NBI-CAVIDO North) arrested IRENE YUVIENCO ROSAL and RESIE JANE BRONDIAL PACON in Naic, Cavite. Subjects Rosal and Filarca were arrested for violation of Sections 4 and 5 in relation to Section 39 of Presidential Decree No. 957, and Swindling/Estafa under Article 315(2) (a) of the Revised Penal Code (RPC).

The operation was initiated after multiple complaints were filed against the Subjects. Complainants alleged they were deceived into believing that a subdivision project being offered by Subjects Rosal and Filarca through MJRL Landsource Realty was legitimately registered and had license to sell from the Department of Human Settlement and Urban Development (DHSUD) and the concomitant license to sell.

An investigation and verification with DHSUD IV-A confirmed that the project was unregistered and had no license to sell. Furthermore, the DHSUD had already issued a cease and desist order against MJRL Landsource Realty.

NBI-CAVIDO North agents, assisted by DHSUD officers, conducted an entrapment operation that led to their arrest. Recovered from the Subjects were marked money, an MJRL Landsource Realty receipt, a lot plan for Landsource Residences (Phase 1), a master list of lot buyers, and a lot distribution map.

Subjects were presented for inquest proceedings for violations of Sections 4 and 5 in relation to Section 39 of Presidential Decree No. 957, and Swindling/Estafa under Article 315(2)(a) of the Revised Penal Code.

Director Santiago commended the NBI-CAVIDO North agents for the successful operation. He added that the arrest serves as a reminder that the real estate industry is heavily regulated and that compliance with the law is crucial for developers, management, and buyers. The case underscores the importance of due diligence and the protection of buyers' rights and investments.

20/10/2025

Forbes and Dasma are safe 🫣😄

LIQUEFACTION will amplify the BIG ONE.

Liquefaction occurring beneath buildings and other structures can cause major damage during earthquakes. -USGS

Liquefaction is a process in which a solid or gas transforms into a liquid, or where soil temporarily loses its strength and behaves like a fluid. In geotechnical engineering, it most commonly refers to the phenomenon where water-saturated soil loses its strength and stiffness during an earthquake or other seismic event, causing structures to sink or tilt.

To prepare for a major earthquake, create an emergency plan and kit, secure your home/properties, and practice safety drills.

Build to code: Adhere to proper building standards to ensure structures can withstand seismic activity.

Prioritize safety: Avoid shortcuts in construction, as building codes are essential for mitigating risks.

09/10/2025

Believe me when I say: cheap clients give the hardest time.
They’ll haggle for the lowest rate, then expect the most
🙈🙈

20/04/2025

Four Types of Real Estate Investors 🤑🤑🤑

25/03/2025

May karapatan ka ba na humingi ng refund para sa hinuhulugan mong bahay?

Answer: Dipende