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Marites, REB

Name: Marites, REB
Address: Talisay, PH
Telephone: +639176209102

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Marites, REB

𝐋𝐈𝐂𝐄𝐍𝐒𝐄𝐃 𝐑𝐄𝐀𝐋 𝐄𝐒𝐓𝐀𝐓𝐄 𝐁𝐑𝐎𝐊𝐄𝐑
𝐔𝐍𝐈𝐓 𝐌𝐀𝐍𝐀𝐆𝐄𝐑

Let's talk about Real Estate! I’m Marites Eborda, a licensed real estate broker in the Philippines.

I graduated with a Bachelor of Science in Real Estate Management (BSREM) from Lyceum of Alabang and successfully passed the Real Estate Brokers Licensure Exam. With 12 years of solid experience in the real estate industry, I specialize in guiding clients nationwide—whether they are buying, selling, or investing. Currently, I am a Unit Manager of Team Sardonyx under Filipino Homes, one of the most

dynamic real estate networks in the country. As an intentional learner, I also completed the Organizational Leadership Training at Harvard Business School Online and the Certified Residential Specialist course by CREBA NAR, equipping me with the knowledge and leadership skills to mentor, manage, and inspire other real estate professionals.

12/05/2026

Broker Tip:
𝗔𝗟𝗪𝗔𝗬𝗦 𝗖𝗛𝗘𝗖𝗞 𝗧𝗛𝗘 𝗕𝗔𝗖𝗞 𝗣𝗔𝗚𝗘.

Nakakita ka ng property na maganda ang location at "Clean Title" daw. Pero nung tinignan mo ang likod ng Titulo, may mga nakasulat na "Memorandum of Encumbrances." Ano nga ba ang ibig sabihin nito?

📍 NOT ALL ANNOTATIONS ARE BAD:
May mga annotations na "standard" lang, gaya ng restrictions ng subdivision. Pero may mga annotations na dapat mong ikabahala bilang buyer.

📍 THE RED FLAGS:
🚩 Notice of Adverse Claim: Ibig sabihin, may ibang tao na nagki-claim na may karapatan sila sa lupa bukod sa seller.
🚩 Notice of Lis Pendens: May ongoing na kaso sa korte tungkol sa property na yan. Ibig sabihin, "pending litigation" pa ang ownership.
🚩 Mortgage: Naka-sangla ang property sa banko o sa ibang tao. Kailangan muna itong ma-settle bago mailipat sa pangalan mo.

📍 THE "SECTION 4" TRAP:
Kung ang Title ay galing sa "Inheritance" (EJS) at wala pang dalawang taon ang nakakalipas, may annotation yan under Rule 74, Section 4. Ibig sabihin, kung may biglang lumitaw na ibang tagapagmana sa loob ng 2 years, pwede pa silang humabol sa property.

BROKER'S ADVICE:

Huwag lang tignan ang pangalan sa harap ng Title. Basahin ang bawat line sa likod. Kung hindi mo maintindihan ang mga "legal terms" na nakasulat, itanong sa iyong Broker o mag-request ng updated na Certified True Copy mula sa Register of Deeds.

A clean title in the front should also be "clean" at the back! 🏛️⚖️

08/05/2026

Millennial vs. Gen Z Homebuyer

When the house is outside your budget, ano ba ang tamang response? 😅

07/05/2026

Broker Tip:
𝗛𝗜𝗡𝗗𝗜 𝗟𝗔𝗡𝗚 𝗕𝗔𝗡𝗞 𝗟𝗢𝗔𝗡 𝗔𝗡𝗚 𝗣𝗔𝗥𝗔𝗔𝗡.

Maraming nag-aalinlangan bumili ng property dahil takot sa banko o dahil iniisip na "required" ang bank loan para makapag-invest. Ang totoo, marami kang options depende sa iyong financial situation.

📍 CASH (The King of Discounts):
Kung may sapat kang savings, paying in Full Cash is the best. Bakit? Dahil dito mo makukuha ang pinakamalaking discounts (minsan 10% to 15% off!). Wala ka ring iisiping monthly interest at monthly amortization.

📍 IN-HOUSE FINANCING (The Easy Way):
Dito, sa mismong Developer ka magbabayad. Kadalasan, hindi sila kasing-higpit ng banko pagdating sa documents. Ang downside? Mas mataas ang interest rate (minsan 14% to 18%) at mas maikli ang terms (usually 5 to 10 years lang).

📍 PAG-IBIG FINANCING (The People’s Choice):
Para sa mga active members, ito ang paborito dahil sa haba ng loan term (up to 30 years) at mas mababang interest rates para sa mga salary earners. Perfect ito kung gusto mong mapababa ang iyong monthly payments.

📍 BANK FINANCING (The Professional Choice):
Kaya ito ang sikat ay dahil dito ang pinaka-balanseng interest rates at terms. Bagama't mas strict ang requirements, ito ang go-to option para sa mga gustong i-leverage ang kanilang pera sa mas mahabang panahon.

BROKER'S ADVICE:

Hindi "required" ang bank loan, pero ito ay isang tool. Kung gusto mo ng mababang interest, go for a Bank. Kung gusto mo ng madaling approval, go for In-House. Pero kung gusto mo ng pinakamurang presyo, go for Cash.

Ang importante, piliin mo ang payment scheme na hindi magiging "stress" sa iyong monthly budget!

06/05/2026

Broker Tip:
𝗟𝗔𝗡𝗗 𝗢𝗪𝗡𝗘𝗥𝗦𝗛𝗜𝗣 𝗜𝗦 𝗙𝗢𝗥 𝗙𝗜𝗟𝗜𝗣𝗜𝗡𝗢𝗦 𝗢𝗡𝗟𝗬.

Isa ito sa pinaka-madalas itanong sa akin: "Broker, yung asawa ko ay foreigner, gusto sana naming bumili ng lupa. Pwede ba itong ipangalan sa aming dalawa?"

Bago niyo ilabas ang pera, heto ang reality check base sa ating batas:

📍 LAND IS FOR FILIPINOS:
Sa ilalim ng ating Constitution, ang mga Pilipino lang ang may karapatang mag-may-ari ng lupa sa Pilipinas. Ibig sabihin, ang Title (TCT) ay kailangang nakapangalan sa Filipino spouse. Hindi pwedeng "And" ang pangalan niyo sa Title pagdating sa lupa.

📍 THE "MARRIED TO" STATUS:
Kapag nakapangalan ang lupa sa Filipino spouse, ilalagay sa Title ang status na: "Maria Clara, married to John Smith (American)." Kahit nakalagay ang pangalan ng foreigner, hindi ito nangangahulugan na co-owner siya ng lupa. Decoration lang ba yan? Hindi rin.

📍 THE WAIVER REQUIREMENT:
Kapag dumating ang oras na gusto niyo nang ibenta ang lupa, kailangan pa rin ng signaturyo ng foreign spouse. Usually, humihingi ang Register of Deeds ng "Affidavit of Waiver" kung saan kinikilala ng foreign spouse na ang perang pambili ay "exclusive property" ng asawang Pilipino at wala siyang claim sa lupa.

📍 THE CONDO EXCEPTION:
Kung gusto niyo na ang foreigner spouse ang talagang "owner" sa papel, go for a Condo. Foreigners can legally own condo units in their name (up to 40% of the building's units). Dito, pwedeng-pwede ang pangalan niya sa Title (CCT).

BROKER'S ADVICE:

Real estate is a huge investment. Kung foreigner ang asawa, dapat malinaw sa inyong dalawa ang rules sa simula pa lang para iwas "legal headache" at iwas "sayang" sa huli.

Huwag basta maniwala sa "diskarte." Sundin ang tamang proseso para safe ang investment ng pamilya! 🏛️💎

02/05/2026

Broker Tip:
𝗪𝗛𝗔𝗧’𝗦 𝗬𝗢𝗨𝗥 "𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 𝗣𝗘𝗥𝗦𝗢𝗡𝗔𝗟𝗜𝗧𝗬"?

"Saan ba mas maganda mag-invest?" Ito ang pinakamadalas na itanong sa akin. The truth is, there is no single "best" answer, only the best one for YOU. Let’s break it down:

CONDO (The Cash Flow)
Para ito sa mga gusto ng passive income via Airbnb o rentals. Perfect kung gusto mo malapit sa city center or BPO hubs. High rental demand at "lock-and-leave" convenience, pero kailangan mo i-factor ang association dues buwan-buwan.

LOT ONLY (The Long Game)
Ito ang best for capital appreciation. Land is finite, hindi na nadadagdagan ang lupa! Napakababa ng maintenance (walang bahay na masisira) at generally lower ang taxes. Wala lang siyang monthly cash flow agad unless tayuan mo ng building.

HOUSE & LOT (The Legacy)
Para ito sa mga pamilya at sa mga gusto ng total control sa property nila. You own both the structure and the land. Pinaka-stable ito at may "pride of ownership," pero expect higher maintenance costs at usually mas malayo sa city center.

BROKER'S ADVICE:

✅ Gusto mo ba ng Monthly Income? Go for a Condo.
✅ Gusto mo ba ng Future Wealth? Go for a Lot.
✅ Gusto mo ba ng Family Stability? Go for a House & Lot.

Sabi nga nila, the best time to buy was 5 years ago. The second best time is TODAY. Wag nang mag-antay na mas magmahal pa ang presyo! 🏛️💎

Disclaimer: This post is for educational purposes only. Every investment carries risk; always perform due diligence before buying.

01/05/2026

Broker Tip:
𝗞𝗡𝗢𝗪 𝗪𝗛𝗘𝗥𝗘 𝗬𝗢𝗨𝗥 𝗠𝗢𝗡𝗘𝗬 𝗚𝗢𝗘𝗦 𝗕𝗘𝗙𝗢𝗥𝗘 𝗬𝗢𝗨 𝗦𝗜𝗚𝗡.

Many buyers get heartbroken when they back out of a deal and find out they can’t get their money back. To avoid this, you need to understand the difference between the "Fee" and the "Investment."

📍 THE RESERVATION FEE (The Commitment):
This is the money you pay to "hold" the unit so the developer won't sell it to anyone else.

Is it refundable? Generally, NO. In most standard contracts, if you change your mind, the reservation fee is forfeited to cover the developer’s administrative costs and the "lost opportunity" to sell the unit to others.

Does it count? Yes, it is usually deducted from the total contract price once you proceed.

📍 THE DOWNPAYMENT (The Equity):
This is the portion of the price you pay (usually in installments) before the bank loan kicks in.

Is it refundable? YES, but with conditions. This is where the Maceda Law (RA 6552) comes in. If you have paid at least two years of installments, you are entitled to a 50% refund of your total payments if you cancel.

Less than 2 years? You are usually given a "grace period" to catch up, but if you cancel, you might not get a refund unless the developer is at fault (like delayed construction).

BROKER'S ADVICE:
Don't pay a Reservation Fee just because you're "excited." Pay it only when you are 100% sure about the unit and your budget. Once that receipt is issued, that money is considered "spent" for the sake of holding the property. Only the Downpayment has the "safety net" of the law! 🏛️⚖️

Disclaimer: This post is for educational and marketing purposes only and does not constitute legal advice. For specific cases involving refunds, always consult with a licensed attorney or the DHSUD.

30/04/2026

Broker Tip:
𝗛𝗜𝗥𝗜𝗡𝗚 𝗔 𝗕𝗥𝗢𝗞𝗘𝗥 𝗦𝗛𝗢𝗨𝗟𝗗𝗡’𝗧 𝗖𝗢𝗦𝗧 𝗧𝗛𝗘 𝗕𝗨𝗬𝗘𝗥 𝗘𝗫𝗧𝗥𝗔.

One of the biggest reasons buyers hesitate to work with a licensed broker is the fear that they’ll have to pay a "finder's fee" or that the property price will be "padded" to cover the commission. Let’s clear the air.

📍 THE SELLER PAYS:
In standard Philippine real estate practice, the Seller/Developer is the one who pays the professional fee (commission) of the broker. It is already factored into the marketing budget of the project or the agreed-upon selling price.

📍 NO "TOP-UP" PRICES:
A professional, licensed broker is bound by ethics (and the law!) to offer the property at the Developer’s Price or the Owner’s Asking Price. If an agent is "adding" to the price without the owner's knowledge, that is a major red flag and is illegal under the RESA Law.

📍 THE VALUE ADD:
When you use a broker, you aren't paying more; you are getting more. You get someone to handle the paperwork, verify the title, negotiate the best terms, and guide you through bank financing—all at no extra cost to you as a buyer.

BROKER'S ADVICE:
If an agent asks you for a "consultation fee" or a "viewing fee" just to show you a property, walk away. A legitimate broker earns through the successful closing of the sale, paid for by the seller. Don't let the fear of "extra fees" stop you from getting professional protection! 🏛️🤝

Disclaimer: This applies to standard sales. Some specialized services (like title processing only) may involve separate service fees.

27/04/2026

Broker Tip:
𝗬𝗢𝗨𝗥 𝗛𝗢𝗨𝗦𝗘 𝗜𝗦 𝗪𝗢𝗥𝗧𝗛 𝗪𝗛𝗔𝗧 𝗔 𝗕𝗨𝗬𝗘𝗥 𝗜𝗦 𝗪𝗜𝗟𝗟𝗜𝗡𝗚 𝗧𝗢 𝗣𝗔𝗬.

Whether you’re planning to sell or just want to know your investment’s growth, "guessing" the price can lead to your property sitting on the market for years. Here’s how the pros determine the price:

📍 DON’T JUST LOOK AT THE ZONAL VALUE:
The BIR Zonal Value is for tax purposes and is usually lower than the actual price. To know the Fair Market Value, you need to look at "Comparable Sales", meaning, magkano ba talaga nabenta ang mga bahay na katulad ng sa iyo sa parehong neighborhood nitong nakaraang 6 months?

📍 THE "REPLACEMENT COST" METHOD:
If you built the house years ago, consider how much it would cost to build the exact same house today. With the rising price of cement and steel, your house's value might have gone up simply because construction costs have skyrocketed!

📍 LOCATION VS. CONDITION:
A "fixer-upper" in a prime subdivision (like near business districts in Cebu) might be worth more than a brand-new mansion in a remote area. Location is the only thing you can't change, so it carries the most weight in the appraisal.

BROKER'S ADVICE:
Avoid the "Sentimental Value" trap. Just because you spent ₱1 Million on a custom Italian chandelier doesn't mean the market will pay ₱1 Million extra for it. If you want a real number, ask a licensed appraiser or a broker for a Comparative Market Analysis (CMA). Knowing the right price today saves you from a "For Sale" sign that stays up forever!

Disclaimer: This post is for educational and marketing purposes only. For a formal valuation (especially for bank loans), always hire a licensed real estate appraiser.

25/04/2026

Broker Tip:
𝗧𝗛𝗘 "𝗖𝗜𝗩𝗜𝗟 𝗦𝗧𝗔𝗧𝗨𝗦" 𝗢𝗡 𝗧𝗛𝗘 𝗧𝗜𝗧𝗟𝗘 𝗠𝗔𝗧𝗧𝗘𝗥𝗦.

We often see titles that say "Juan Dela Cruz, single" or "Maria Clara, married to Juan Dela Cruz." But what happens if you bought the property while you were married, but only your name appears on the Title? Does that make it your exclusive property?

📍 THE LEGAL PRESUMPTION:
Under the Family Code, properties acquired during the marriage are generally presumed to be part of the Absolute Community or Conjugal Partnership, regardless of whose name is on the Title. Even if the Title says "Maria Clara, married to Juan," the law usually sees it as a shared asset.

📍 THE "SINGLE" TRAP:
Some people try to register properties as "single" even when they are married to avoid needing the spouse's signature later. Be careful! This can lead to a "cloud" on the title. If you try to sell it later and the buyer finds out you were married at the time of purchase, they will legally require your spouse’s notarized consent. Without it, the sale could be voidable.

📍 THE EXCEPTION:
The only way a property is truly yours alone while married is if you can prove it was bought using exclusive money (like an inheritance or a gift specifically given only to you), or if you have a legally binding Prenuptial Agreement (Pre-nup).

BROKER'S ADVICE:
Transparency is key in real estate. If you are married, declare it. It saves you from "legal drama" and "hidden signatures" down the road. If you're a buyer, always check the civil status of the seller at the time they acquired the property, not just their status today! 🏛️⚖️

Disclaimer: This post is for educational and marketing purposes only and does not constitute legal advice. For specific legal concerns, always consult with a licensed attorney.

23/04/2026

Broker Tip:
𝗖𝗛𝗢𝗢𝗦𝗘 𝗧𝗛𝗘 𝗦𝗧𝗥𝗔𝗧𝗘𝗚𝗬 𝗧𝗛𝗔𝗧 𝗙𝗜𝗧𝗦 𝗬𝗢𝗨𝗥 𝗟𝗜𝗙𝗘𝗦𝗧𝗬𝗟𝗘.

You finally have your investment unit. Now the big question: Do you list it on Airbnb or look for a long-term tenant? Both have pros and cons.

📍 THE AIRBNB ROUTE (Short-Term):

PROS: Higher potential income (per night rates) and you can use the unit yourself whenever you want.

CONS: It’s a hospitality business. You have to manage bookings, cleaning, and "difficult" guests. Maintenance costs are higher because of the frequent turnover.

📍 THE TRADITIONAL ROUTE (Long-Term):

PROS: Stable, passive income. You get a post-dated check every month and the tenant usually handles the basic utilities and upkeep.

CONS: Lower monthly "cash flow" compared to a fully booked Airbnb. You are also locked into a contract, so you can't use the unit for yourself.

BROKER'S ADVICE:
Location is the deciding factor! If your property is near a tourist spot or a hospital, Airbnb might win. But if it’s near a university or a business district, a steady long-term tenant is often the "less stress" choice. What’s your priority: Max profit or Max peace of mind? 🏛️💰

20/04/2026

𝗧𝗛𝗘 𝗟𝗔𝗪 𝗢𝗡 "𝗢𝗩𝗘𝗥𝗛𝗔𝗡𝗚𝗜𝗡𝗚 𝗕𝗥𝗔𝗡𝗖𝗛𝗘𝗦."

Your neighbor has a beautiful mango tree, but the branches are now hanging over your roof and the leaves are clogging your gutters. Can you just grab a saw and start cutting?

📍 THE CIVIL CODE RULE:
Under the Civil Code of the Philippines, you actually cannot just cut the branches yourself the moment they cross your property line. You must first ask the neighbor to cut them.

📍 WHAT IF THEY REFUSE?
If you’ve asked and they still won't do it, that is the only time you are legally allowed to cut the parts that are overhanging your property. But wait—if it’s the roots that have grown into your lot, you can actually cut those immediately without asking (but it’s still better to be a good neighbor and talk first!).

📍 WHO OWNS THE FRUIT?
Even if the branch is over your land, the fruits technically belong to the owner of the tree. Unless they naturally fall into your yard—then you might have a claim! 🥭

BROKER'S ADVICE:
Boundary disputes aren't just about the soil; they’re about the air and the roots, too. Always check the perimeter of a property before you buy to see if you’re inheriting a "tree war." 🏛️🏘️

Address

Talisay

Telephone

+639176209102

Website

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