Money & Financing
Pag-IBIG, home loans and affordability.
The Maceda Law: Your Rights When You Stop Paying a Pre-Selling Property
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, how much you can borrow (up to ₱6M), the documents, and the sequence from application through Notice of Approval to release, including the OFW route.
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 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 Quezon City (2026 Guide)
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 Makati 2026 Guide
What a condo costs per square meter in Makati in 2026, with the median around PHP 200,000 to buy and PHP 943 a month to rent. Indicative price ranges by unit type, how the figure varies across Salcedo, Legazpi, Ayala, Rockwell, Century City and Circuit Makati, and how to use the number when you shop.
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: Own Philippine Property for a Fraction of the Upfront Cost (2026)
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.
Which Philippine Cities Actually Pay You Back? A Plain Look at Rental Yields
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 Explained: How to Compute and Pay Real Property Tax (2026)
What amilyar (real property tax) is, how it is computed from your property's assessed value, when and where to pay, the prompt-payment discount, the penalties for paying late, and how delinquency can lead to auction.
How Much Salary Do You Need to Buy a Condo in the Philippines? (2026)
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.
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 Financing: The Cheapest Way to Buy a Home in the Philippines (2026)
Over a 20-year loan, the interest rate matters more than the price. We rank the three ways to finance a Philippine home, Pag-IBIG (from 3%), banks (~6.5-8%), and developer in-house (~12-16%), with a side-by-side monthly amortization comparison on a ₱3,000,000 loan.
Pag-IBIG Housing Loan Calculator & Computation 2026: Rates, Loanable Amount, Monthly Amortization
How Pag-IBIG works out your loan, the 2026 rate tiers (5.75% to 9.75% by fixing period), the four factors that cap your loanable amount, and the amortization factor that sets your monthly payment, with a full worked example on a ₱4.5M loan.
Closing Costs in the Philippines 2026: Who Pays What (Buyer ~3%, Seller ~10%)
The sticker price is never the price you pay. A full breakdown of Philippine closing costs, capital gains tax, documentary stamp tax, transfer tax, registration, notarial fees, the current rates, who customarily pays each, the VAT threshold that dwarfs everything, and a worked example on a ₱5,000,000 condo.
Price Per Square Meter in the Philippines (2026 City Guide)
How much is property per square metre in the Philippines? From about ₱60,000 in the provinces to nearly ₱400,000 in prime Metro Manila, the real city-by-city numbers for 2026, and how to use them to buy well.
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.
Understanding Philippine Property Taxes: A Complete Guide
Property taxes in the Philippines can be confusing. Here is what you actually need to pay, when you need to pay it, and how to avoid common mistakes.