Philippine Property Guides: Renting, Buying & Ownership

Close-up of a cracked condo unit wall, the kind of construction defect a Philippine developer warranty claim is meant to cover

Buying 15 min read

Developer Warranty for Condo Defects in the Philippines: What Buyers Can Ask to Have Repaired

What a Philippine condo developer is legally required to repair after turnover, how long that right lasts under the Civil Code and PD 957,…

Empty, newly turned-over condo unit with bare white walls and wood-look flooring, ready for a buyer's punch-list inspection before move-in

Buying 15 min read

Condo Turnover Defects: The Punch-List Checklist Every Buyer Should Use

A documented punch list protects a condo buyer's right to defect repairs after turnover. Here's the room-by-room checklist, the Civil Code deadlines that apply,…

High-rise condominium towers in Metro Manila, the type of building a condominium corporation's master insurance policy covers separately from each unit owner's own policy

Buying 15 min read

Condo Insurance vs Building Insurance in the Philippines: What Unit Owners Still Need to Insure

A condominium corporation's master insurance policy covers the building and common areas — not your unit's interior, belongings, or personal liability. Here's exactly where…

Plumber repairing a water pipe embedded inside a condo unit's wall, the type of shared riser that Philippine law treats as a common area even though it runs through the unit

Buying 17 min read

Who Pays for Condo Plumbing Leaks in the Philippines: Unit Owner or Condominium Corporation?

A pipe leak inside your condo's walls can still be the condominium corporation's bill, not yours — RA 4726 and a 2011 Supreme Court…

A condominium unit interior mid-renovation in the Philippines, with support poles, construction debris, and contractor tools on the floor during a permitted alteration

Buying 15 min read

Renovating a Condo Unit in the Philippines: Permits, Contractor Rules and Building Restrictions

A condo renovation in the Philippines usually needs both your condo corporation's written approval and, for anything beyond cosmetic work, a government Building Permit…

City view from inside a short-term rental condo unit in Manila, the kind of Airbnb-style listing that condo house rules may restrict or ban

Buying 17 min read

Can Your Condo Ban Airbnb and Short-Term Rentals?

Philippine law never mentions Airbnb or short-term rentals in condos — the Condominium Act leaves it to each building's Master Deed, by-laws, and house…

Wooden toy house viewed through a magnifying glass, representing how a bank's appraisal of a property sets the loan-to-value ratio on a Philippine housing loan

Buying 13 min read

Loan-to-Value Ratio Explained: Why Banks Will Not Finance 100% of Your Property

Philippine banks can legally lend up to 75% of a property's appraised value, but BSP collateral rules and each bank's own credit policy push…

Three family members sitting together reviewing a shared property document, representing co-owners discussing jointly owned real estate in the Philippines

Buying 13 min read

Can One Co-Owner Sell Property Without the Others? Philippine Rules Explained

Under Article 493 of the Civil Code, a co-owner can only sell their own undivided share, not the whole property, without the other co-owners'…

A small dog on a leash outdoors — the kind of pet whose presence in common areas Philippine condo house rules can restrict or ban

Buying 16 min read

Can a Condo Ban Pets? Philippine Condo Pet Rules Explained

Philippine law never mentions pets in condos — the Condominium Act leaves it to each building's Master Deed, by-laws, and house rules, which courts…

An empty multi-level condominium parking garage with a ramp, representing a condo parking slot that may or may not have its own separate title in the Philippines

Buying 14 min read

Buying a Condo Parking Space in the Philippines: Does It Come With Its Own Title?

A condo parking slot may be separately titled, a shared common area, or bundled into your unit's own title. The difference decides whether you…