Condo Special Assessments in the Philippines: When Owners Can Be Charged Extra
A special assessment is a one-time charge on top of regular condo dues for a major repair the budget and reserve fund don't cover.…
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Condo Association Dues in the Philippines: What They Pay For and How Much to Budget
Condo association dues in the Philippines typically run ₱60–₱150 per square meter monthly and fund security, utilities, maintenance, and a reserve fund. Here is…
How Much Down Payment Do You Need to Buy Property in the Philippines?
Down payment in the Philippines typically runs 10% to 30% of a property’s price, but how much cash you actually need depends on whether…
Why Housing Loan Applications Get Rejected in the Philippines: 10 Problems Buyers Can Fix
Most Philippine housing loan rejections trace back to credit history, debt-to-income limits, or property title problems. Here are the ten most common causes and…
Joint Housing Loans and Co-Borrowers in the Philippines: Can Couples or Family Members Apply Together?
Pag-IBIG limits co-borrowers to close relatives and evaluates each person's income separately, while banks usually pool combined income under their own policies — and…
TCT vs CCT vs Tax Declaration: Philippine Property Titles Explained
A Transfer Certificate of Title covers land, a Condominium Certificate of Title covers an individual condo unit, and a tax declaration is a separate…
How to Refinance a Housing Loan in the Philippines: When Switching Banks Makes Sense
Refinancing means switching your outstanding housing loan balance to a new lender for a better rate, but it comes with real switching costs. Here's…
Metro Manila Foreclosed Properties Weekly Watch: Sep 28-Oct 4, 2026
Twelve verified Metro Manila bank-acquired, ROPA, repossessed and auction properties for Sep 28-Oct 4, 2026, with current prices, areas and disclosed risk flags.
Can You Pay Off a Housing Loan Early in the Philippines? Prepayment Fees and Interest Savings Explained
Philippine law bars a straight prepayment penalty on consumer credit, but many banks still charge a lock-in break or exit fee instead. Here is…
Fixed Rate vs Repricing Housing Loans: What Happens to Your Payment After the Fixing Period?
How Philippine housing loan interest rates work once the “fixing period” ends: how bank repricing formulas work, how Pag-IBIG's rate cap differs, and what…