Presented by Phil Realty

Make an Offer

Make a formal written offer on a property in eight short steps. Choose the property, tell us who is buying, set your offer terms, upload your documents, then review and sign your Letter of Intent / Offer to Purchase. Your progress is saved on this device. Fields marked * are required.

Property
Buyer type
Buyer details
Offer terms
Documents
Review
Sign
Submit

1. Choose the property

Search our listings by name, city or area, or type the address of another property.

Search listings Property*Filled in when you choose a listing. For other properties, enter the name and address.

Questions? Call +63 2 8888 1234 or email phils.homes@outlook.com.

Buying in the Philippines: a quick guide

The process, step by step

Letter of Intent / Offer to Purchase: your written offer (price, terms, validity). Usually non-binding until the seller accepts.
Reservation Agreement & fee: once accepted, a signed agreement takes the property off the market for a set period (often about 30 days). The fee is usually credited to the price; refund terms are in the agreement.
Due diligence: verify the title at the Registry of Deeds, the tax declaration, real property tax payments and the seller's identity and authority.
Financing: pay the down payment and secure loan approval if you are not paying cash.
Contract to Sell / Deed of Absolute Sale: signed and notarized.
Taxes & transfer: BIR taxes, eCAR, transfer tax, registration, then a new title and tax declaration in your name.

Buyer documents

Valid government ID(s) and TIN
Proof of income: Certificate of Employment with compensation, latest payslips, ITR / BIR Form 2316, bank statements
Self-employed: DTI or SEC registration, audited financial statements, ITR, bank statements
OFW: employment contract or COE, proof of remittance, and a Special Power of Attorney (consularized or apostilled if signed abroad) with your attorney-in-fact's ID
Married: PSA marriage certificate and spouse's IDs (spouses usually sign together)
Corporation: SEC registration, Articles & By-Laws, latest GIS, board resolution / secretary's certificate naming the signatory

Financing options

Cash: fastest; proof of funds may be requested.
Bank loan: banks commonly ask for 2 valid IDs, COE, payslips, ITR, plus title and tax declaration copies of the property; appraisal fee applies.
Pag-IBIG: Housing Loan Application (HQP-HLF-068) with 1x1 photo, proof of income (e.g. 3 months' payslips, latest ITR with BIR Form 2316), one valid government ID; SPA if represented.
In-house: offered by some developers; terms vary by developer.

Foreign buyers

Under the Constitution, foreigners cannot own land. They may own condominium units as long as foreign ownership in the project stays within 40% (Condominium Act, RA 4726). Prepare your passport, ACR I-Card if you are resident, and keep proof of inward remittance of foreign currency (needed if you later want to register the investment with the BSP and repatriate proceeds).

Ask the seller for

Copy of the TCT (house & lot) or CCT (condo); we verify a certified true copy at the Registry of Deeds
Latest tax declaration (land and improvement)
Real property tax receipts / tax clearance
Seller's IDs, and SPA or board resolution if someone signs for the owner
For condos: association dues clearance; for pre-selling: the developer's DHSUD License to Sell

Taxes & fees

Capital gains tax: 6% (by law the seller's)
Documentary stamp tax: 1.5%
Local transfer tax: up to 0.5% (provinces) or 0.75% (cities / Metro Manila)
Registration fees: graduated, per the LRA schedule
Notarial and miscellaneous fees

CGT and DST are computed on the highest of the selling price, BIR zonal value or assessor's fair market value. Who pays what is negotiable and written into the contract.

Typical timeline

Offer & reservation: days to 1–2 weeks
Due diligence & loan approval: about 1–4 weeks
Deed of Sale signing: 1–2 weeks after
Taxes, eCAR, transfer and new title: about 2–8 weeks

Times vary by BIR office, LGU and Registry of Deeds.

This guide is general information, not legal or tax advice. Requirements differ by seller, bank and government office, and Phil Realty will confirm exactly what your transaction needs.

Make an Offer

1. Choose the property

2. Who is buying?

3. Buyer details

4. Offer terms

5. Upload documents

6. Review your offer

Letter of Intent / Offer to Purchase

7. Sign & acknowledge

8. Submit your offer