13/06/2025
TIPS! Para sa first-time homebuyer, narito ang step-by-step guide kung paano bumili ng house property sa Pilipinas:
✅ 1. Alamin ang Budget
I-check ang savings at income.
Mag-set ng realistic na budget. Tandaan may downpayment, monthly amortization, taxes, at iba pang fees.
Magpa-pre-approve sa bank kung gusto mo ng home loan.
✅ 2. Pumili ng Location
Gusto mo ba sa city? Sa province? Malapit sa trabaho, school, o family?
Isaalang-alang ang accessibility: "Accessible via main roads, near schools/malls/hospitals."
✅ 3. Humanap ng Property
Pwede sa online listings, Facebook groups, or maghanap ng trusted real estate agent.
Piliin kung:
Pre-selling (under construction, mas mura)
Ready for Occupancy (RFO) (lipat agad)
Second-hand/resale
✅ 4. Site Visit at Tripping
Mag-schedule ng house tour/tripping.
I-check ang:
Quality ng bahay
Neighborhood
Amenities
Baha-prone ba?
✅ 5. Reserve the Unit
Magbayad ng reservation fee (usually ₱10,000 - ₱50,000 depending sa developer).
Makukuha mo ang computation at requirements.
✅ 6. Magbayad ng Downpayment
Usually 10-20% ng total price, payable in 12-24 months kung pre-selling.
Kung RFO, minsan kailangan full downpayment agad.
✅ 7. Apply for Home Loan (if needed)
Pwedeng sa Pag-IBIG, bank, or in-house financing.
Ihanda ang requirements (ID, ITR, payslip, COE, etc.)
✅ 8. Processing & Transfer of Title
Kapag fully paid or approved ang loan:
Mag-notarize ng documents
Bayaran ang taxes (Doc Stamps, Transfer Tax, Registration Fees)
I-transfer sa pangalan mo ang title (TCT or CCT)
✅ 9. House Turnover
I-check kung may sira bago tanggapin.
Mag-sign ng turnover documents.
Congrats! Lipat-bahay na! 🎉
📌 Tips for First-Time Buyers:
Huwag madaliin. Mag-compare muna ng options.
I-check ang track record ng developer or seller.
Alamin ang hidden charges.
Magtanong sa real estate professional.
