Money & Financing
Pag-IBIG, home loans and affordability.
Mortgage Redemption Insurance Philippines: What You Pay
Mortgage redemption insurance Philippines borrowers call MRI, and the fire policy on a Pag-IBIG or bank housing loan: what each covers and who is paid.
Agricultural Land Price per Hectare in the Philippines
Agricultural land price per hectare in the Philippines: ₱1M in Palawan, ₱1.8M to ₱3.5M for Nueva Ecija rice land, ₱18M+ near Manila, and the 5 ha rule.
How to Pay Amilyar Online: City Portals and Deadlines (2026)
How to pay amilyar online: what city portals ask for, Quezon City step by step, Cebu and Makati, discounts up to 20% and the 2% monthly penalty.
Capital Gains Tax on Property Sale Philippines: 6% Guide
Capital gains tax on property sale in the Philippines: 6% of price or zonal value, the 30 day deadline, and the principal residence exemption with escrow.
Missed Pag-IBIG Housing Loan Payments: Penalties, Options
Missed Pag-IBIG housing loan payments cost 1/20 of 1% a day and become a default at three months. Penalties, restructuring, foreclosure, selling options.
Pre-Selling Condo Payment Terms: Spot DP, Lump Sum, Balloon
Pre-selling condo payment terms explained on one ₱5M unit: spot cash, spot DP, stretched DP, lump sums, deferred cash and the balance due at turnover.
Zonal Value vs Market Value vs Assessed Value: Philippines
Zonal value vs market value vs assessed value: which one sets the 6% capital gains tax, which one sets amilyar, and what RA 12001 changes in 2026.
Condo Insurance Philippines: Owners, Landlords and Renters
Condo insurance Philippines guide: what the master policy leaves to you, contents and liability cover, earthquake from 0.10% a year, landlords and tenants.
Pag-IBIG Housing Loan Pasalo: How to Sell Your House (2026)
Pag-IBIG housing loan pasalo, seller's side: three legal exits, why informal pasalo leaves you liable, the 6% capital gains tax and the steps in order.
Home Insurance in the Philippines: Fire, Flood, Earthquake
Home insurance in the Philippines: what fire cover excludes, typhoon and flood from 0.05% a year, earthquake from 0.10%, the 2% deductible, condo cover.
Maceda Law: Your Rights When You Stop Paying Installments
After two years of installments the law entitles a defaulting buyer to a grace period and a refund of at least 50 percent of everything paid. How the Maceda Law works, the pasalo alternative, and the traps.
Are Condotels a Good Investment in the Philippines? (2026)
How the condotel model really works: the rental pool, the free nights, where it earns (Boracay, Mactan, Palawan), where it disappoints, and the questions that separate a sound buy from a brochure.
Pag-IBIG Housing Loan: How to Apply, Step by Step (2026)
Who qualifies for a Pag-IBIG housing loan in 2026, how much you can borrow (up to ₱10M), the exact documents, and the sequence from application to release, with the common rejection reasons.
How Much Salary Do You Need to Buy a Condo in the Philippines?
The honest math: around ₱48,000 a month opens the provincial market, about ₱65,000 the national median studio, and six figures the business district 1BRs, assuming a 20 percent down payment. With worked examples.
Condo Prices in Quezon City 2026: Per Sqm, Studio to 2BR
Quezon City condos run about ₱100,000 per square meter in 2026. See indicative prices by bedroom count, how Eastwood, Vertis North, Cubao, Katipunan and Commonwealth shift the number, and how to check if a listing is fairly priced. Figures from active listings, verify before you commit.
Condo Price Per Square Meter in Cebu City (2026 Guide)
Cebu City condos sit at a median of about ₱113,000 per square meter to buy and ₱683 to rent in 2026. See indicative price ranges by bedroom count, how the figure shifts across Cebu Business Park, IT Park, Mabolo and more, and how to use it to avoid overpaying.
Condo Price Per Square Meter in Makati 2026 Guide
Makati condos ask a median of about ₱200,000 per sqm to buy and ₱943 per sqm a month to rent in 2026: ranges by unit type and by district.
How Much Is Property Per Square Meter in Manila? (2026)
Metro Manila condo prices per square meter in 2026, district by district: BGC and Makati near ₱200,000, Pasig and Manila in the middle, Quezon City and the fringes lower. With live figures from our tools.
The Pasalo Opportunity: Property for a Fraction Upfront
Pasalo lets you take over a part-paid Pag-IBIG or bank loan and own Philippine property for a fraction of the upfront cash. Why the deals are cheap, who they suit, the math, and how to do it safely.
Nobody Warns You About These Costs Until You're Already Buying a Condo
The price on the listing isn't the price you pay. Here's the honest rundown of taxes, closing costs and the dues that never stop when you buy a condo in the Philippines.
Rental Yields in the Philippines by City: Where Condos Pay
If you're buying a condo as an investment, one number cuts through the marketing: yield. Here's the simple math, why prime districts disappoint, and where the income hides.
Pag-IBIG Assume Balance (Pasalo): How It Works, Costs and Risks (2026)
A practical guide to pasalo and assume balance: how you pay the seller's equity then continue the Pag-IBIG or bank amortization, the real costs, and why informal deals are risky.
Amilyar in English: Real Property Tax, Computation, Payment
Amilyar is the real property tax: 1% to 2% of assessed value plus 1% SEF. How it is computed, when to pay, the early payment discount and late penalties.
Pag-IBIG Housing Loan Calculator & Computation 2026
Pag-IBIG housing loan calculator and computation for 2026: rate tiers from 5.75% to 9.75%, the four caps on what you can borrow, a worked monthly example.
How Much Down Payment Do You Really Need to Buy Property in the Philippines?
'No down payment' almost never means zero cash. A breakdown of the three upfront buckets, reservation fee, down payment, and closing costs, what 'no spot DP' really means, and exactly how much real cash a ₱3,000,000 unit needs.
Pag-IBIG vs Bank vs In-House: Cheapest Financing in 2026
Pag-IBIG vs bank vs in-house in 2026: Pag-IBIG from 3% socialized and 5.75% standard, banks about 6.5% to 8%, in-house 12% to 16%, on a ₱3,000,000 loan.
Income Needed for a ₱2M, ₱3M or ₱5M Condo: the 35% Rule
Lenders cap your monthly amortization at about 35% of gross income, so the salary you need depends on the price, rate and term. Worked income figures for ₱2M, ₱3M and ₱5M units at 2026 rates, plus the levers (down payment, term, co-borrower) that change the answer.
Closing Costs in the Philippines 2026: Who Pays What
Closing costs in the Philippines in 2026: capital gains tax, documentary stamp tax, transfer tax and fees, who pays each, and a ₱5,000,000 example.
Price Per Square Meter in the Philippines (2026 City Guide)
Price per square meter in the Philippines for 2026: from about ₱60,000 in the provinces to nearly ₱400,000 in prime Metro Manila, city by city.
Pag-IBIG Housing Loan for OFWs: How to Apply From Abroad (2026)
A step-by-step guide for overseas Filipino workers, how to register with Pag-IBIG, qualify for a housing loan, what the 2026 rates and ceilings are, and the three ways to apply from abroad.
Property Taxes in the Philippines 2026: CGT, DST, RPT Rates
Property taxes in the Philippines: 6% capital gains, 1.5% DST, 0.5% to 0.75% transfer tax, 1% to 2% RPT plus SEF, who pays each and the bill on a ₱5M sale.