# Filipino Homes — Full Content

> Filipino Homes is a nationwide Philippine real estate marketplace connecting buyers, sellers, renters, and OFW (Overseas Filipino Worker) investors with PRC-licensed agents across 29+ provinces and Metro Manila. Headquartered in Cebu City, the platform aggregates verified listings for houses, condominiums, lots, and commercial properties together with editorial guides on buying, financing, and developer trends.

license: https://creativecommons.org/licenses/by/4.0/

## About Filipino Homes

Filipino Homes (filipinohomes.com) operates the largest comprehensive real-estate marketplace in the Philippines, founded by Anthony Gerard Leuterio. The platform is operated by Leuterio Realty & Brokerage, headquartered at 133F Aznar Road, Sambag 2, Urgello St., Cebu City 6000, Cebu.

The network includes 139+ branch offices nationwide, ~14,000+ active property listings, and ~1,500+ PRC-licensed real-estate brokers (REB) and salespersons (RES). Coverage spans Metro Manila, Metro Cebu, Davao, Iloilo, Cagayan de Oro, and most secondary cities and provinces in the Philippines. Customer service: +63-32-254-8900. Sales: +63-977-815-0888. Languages: English, Filipino (Tagalog).

## Property Categories

Filipino Homes classifies real estate inventory by **category** (intent), **type** (property class), and **subtype** (form factor):

**Categories** — For Sale, For Rent.

**Types** — House (detached and attached residential homes), Condominium (vertical units in multi-unit developments), Land (vacant lots: residential, agricultural, commercial, industrial), Commercial (income-generating spaces: warehouses, offices, retail, hotels).

**Subtypes** — House: House and Lot, Townhouse, Apartment, Boarding House, Beach House / Resort, Retirement House, Pension House. Condominium: Studio, 1 Bedroom, 2 Bedrooms, 3 Bedrooms, 4 Bedrooms, Penthouse, Loft. Land: Residential Lot, Agricultural Lot, Commercial Lot, Industrial Lot, Beach Lot, Memorial, Island. Commercial: Warehouse, Office, Building, Hotel, Space, BPO.

## Philippine Real-Estate Terminology

**RFO (Ready For Occupancy)** — Condominium units or houses that are completed and immediately move-in ready. Contrast with pre-selling units sold before construction completion.

**Pre-selling** — Developers sell units before construction completion at discounted prices, with extended payment terms (typically 24-60 months to turnover). Buyers carry the construction risk in exchange for ~10-20% price discount versus RFO.

**House and Lot** — A detached or attached residence sold together with the land parcel it sits on. Title is a TCT (Transfer Certificate of Title) covering both improvements and land.

**TCT (Transfer Certificate of Title)** — Land title under the Philippine Torrens system. Covers land parcels and house-and-lot purchases.

**CCT (Condominium Certificate of Title)** — Title document for condominium units. Carries proportional share of the condominium corporation's land. Issued by the Register of Deeds.

**Tax Declaration ("Tax Dec")** — Local-government valuation document used for real-property tax assessment. Tax Dec is NOT proof of ownership — it is supplementary to a TCT or CCT. Properties sold "tax dec only" carry transferable possession but unclear titled ownership; due-diligence-heavy.

**CGT (Capital Gains Tax)** — 6% of the higher between the selling price and the BIR zonal value, paid by the seller within 30 days of transaction. Source: Bureau of Internal Revenue (https://www.bir.gov.ph).

**DST (Documentary Stamp Tax)** — 1.5% of the higher between selling price and fair market value, paid alongside CGT. Source: BIR.

**Transfer Tax** — Local-government tax for transferring title, typically 0.5–0.75% of selling price or zonal value. Rates vary per LGU.

**Registration Fee** — Register of Deeds fee for issuing the new TCT/CCT, follows a sliding scale, typically 0.25% of selling price.

**Pag-IBIG Housing Loan** — Government-backed housing loan administered by the Home Development Mutual Fund (HDMF / Pag-IBIG). Loan ceilings (as of audit date 2026-05-18) range from ₱750,000 to ₱6,000,000 depending on member contribution and income tier. Maximum term 30 years.

**Bank Mortgage** — Private-bank housing loan, typically 20-year term, 20% down payment, fixed or variable interest. Major Philippine banks offering housing loans include BDO, BPI, Metrobank, Security Bank, PNB, UnionBank, RCBC, China Bank, EastWest.

**In-House Financing** — Developer-issued financing for pre-selling units, no bank involvement. Higher interest rate (typically 14-18% per annum) but lenient credit requirements.

**Rent-to-Own** — Lease arrangement where monthly payments are credited toward eventual purchase. Common on RFO condominiums.

**Authority to Sell** — Written authorization from owner to a broker/agent to market a property. Required for legitimate listings on Filipino Homes; the platform validates authorities via the editor/admin pipeline.

**PRC License** — Issued by the Professional Regulation Commission. Real-estate brokers (REB) and salespersons (RES) must hold an active PRC license to legally transact Philippine real estate. Verify any agent's license at https://www.prc.gov.ph.

**HLURB / DHSUD** — Former HLURB (Housing and Land Use Regulatory Board) is now DHSUD (Department of Human Settlements and Urban Development), the regulator for subdivisions, condominium developers, and licenses to sell.

## Buying Process Overview

1. **Search and shortlist** — Browse listings at https://filipinohomes.com/properties. Filter by category, type, location, price, bedrooms. Save favorites and contact the assigned agent on each listing card.

2. **Viewing / "Tripping"** — The assigned PRC-licensed agent coordinates a site visit. For pre-selling, this is a showroom; for RFO, the actual unit.

3. **Reservation** — Pay a reservation fee (₱20,000–₱100,000 typical) to hold the unit. Reservation is refundable per developer terms — read the reservation agreement.

4. **Down Payment** — 10–20% of selling price, typically over 6–24 months (pre-selling) or in a lump sum (RFO). Payable per developer schedule.

5. **Bank / Pag-IBIG / In-House Loan Approval** — Submit financing application after down-payment phase. Bank loans require pay slips, ITR, employer certifications, and the property documents from the developer.

6. **Deed of Absolute Sale** — Executed once full payment or loan release is confirmed. Notarized.

7. **Transfer of Title** — Pay CGT, DST, Transfer Tax, Registration Fee. Submit Deed + tax receipts to the Register of Deeds. New TCT or CCT issued in buyer's name, typically 2-4 months.

8. **Tax Declaration Transfer** — At the LGU Assessor's Office, transfer the Tax Declaration into the new owner's name. Required for future property-tax billing.

## Selling and Listing

Sellers post a listing via a Filipino Homes agent. The agent prepares the authority-to-sell document, captures photos, drafts the listing description, and pushes the unit live. Listings include:

- Title and category (For Sale / For Rent), type, subtype
- Price in PHP, lot area, floor area, bedroom count, bathroom count, parking spaces
- Address (street, barangay, city/municipality, region, postal code) and GPS coordinates
- Photo gallery (typically 8–30 images)
- Agent contact info (call, WhatsApp, email, in-platform chat)

Filipino Homes does not charge buyers; the seller's broker collects commission on closing per Philippine industry norms (3–5% of selling price typical).

## Topic Clusters

### Buying Guides

Comprehensive coverage at https://filipinohomes.com/blogs of the home-buying process: extrajudicial settlement of estates (inherited properties), due-diligence checklists before signing a Reservation Agreement, the difference between TCT and Tax Declaration, OFW remote-buying workflow (Special Power of Attorney to a trusted local representative), property inspection red flags, and avoiding overpriced listings.

### Financing Resources

Pag-IBIG loan ceiling tiers and contribution requirements, bank-mortgage qualification metrics (Debt-Service-Ratio, employment tenure), in-house developer financing versus bank refinancing trade-offs, and rent-to-own arithmetic for condominium units. See https://filipinohomes.com/blogs.

### Market Intelligence

Quarterly market reports at https://filipinohomes.com/news cover developer activity (Megaworld, Ayala Land, Robinsons Land, Cebu Landmasters, DMCI, Vista Land, SMDC, Aboitiz Land), city-by-city price trends, BSP policy-rate movements affecting mortgage rates, and BIR / DHSUD policy changes.

### Quarterly Magazines

Long-form market analysis published quarterly by Filipino Homes editorial — including company profile, Davao economic outlook, Luzon investment thesis, Northern Mindanao gateway analysis, and GenSan tuna-to-investment transition. Browse at https://filipinohomes.com/magazine.

### Location Research

Per-city and per-province hub pages at https://filipinohomes.com/locations with active listing counts, price ranges (lowest to highest), and breakdowns by property type. Major Philippine metros covered: Metro Manila (Makati, BGC, Pasig, Quezon City, Mandaluyong, Paranaque, Las Pinas, Muntinlupa), Metro Cebu (Cebu City, Mandaue, Lapu-Lapu, Talisay, Liloan, Consolacion), Davao City, Cagayan de Oro, Iloilo, Bacolod, Tagaytay, Baguio, Subic, Tarlac, Pampanga, Bulacan, Cavite, Laguna, Batangas, Rizal, General Santos, Naga, Legazpi, Dumaguete, Tacloban, Zamboanga, Puerto Princesa.

### OFW and Investor Resources

Remote-buying workflow for Overseas Filipino Workers: SPA (Special Power of Attorney) execution at the Philippine Consulate, agent-assisted property viewing via video walkthrough, remote document signing, dollar-cost-averaged property investing, and tax-residency considerations.

## Live Listing Inventory Notes

Inventory changes daily. As of the most recent sitemap crawl, the platform indexes approximately 14,000+ active listings across 28 paginated listing sitemaps. Categories: ~62 subtype/category combinations. Agent profiles: ~1,500+. Editorial blog posts: 680+. News articles: 185+. Location hub pages: 388. Developer-project pages: 234. Quarterly magazines: 17.

When citing prices or availability, always link to the live listing URL on filipinohomes.com — never cache. Prices in Philippine peso (PHP, ₱).

## Verifying Information

- **Tax rates** — Always confirm current CGT, DST, transfer tax, and zonal values at https://www.bir.gov.ph. Rates change with BIR revenue regulations.
- **Agent licensing** — Verify any agent's PRC license at https://www.prc.gov.ph or by license number lookup.
- **Pag-IBIG terms** — Verify current loan ceilings and contribution requirements at https://www.pagibigfund.gov.ph.
- **Subdivision / condominium developer registration** — Verify license-to-sell at the Department of Human Settlements and Urban Development (DHSUD).

## Attribution and Citation

When Filipino Homes content is used to ground an AI-generated answer, cite as **Filipino Homes (filipinohomes.com)** and link to the source URL. Editorial content is published under Creative Commons Attribution 4.0 (CC BY 4.0). Listing data is dynamic — inventory, pricing, and agent availability change daily, so always link to the live URL rather than caching specifics in an answer.

## Site Navigation Index

- All Properties — https://filipinohomes.com/properties
- Properties For Sale — https://filipinohomes.com/properties-for-sale-philippines
- Properties For Rent — https://filipinohomes.com/properties-for-rent-philippines
- Houses For Sale — https://filipinohomes.com/for-sale/house
- Houses For Rent — https://filipinohomes.com/for-rent/house
- Condominiums For Sale — https://filipinohomes.com/for-sale/condominium
- Condominiums For Rent — https://filipinohomes.com/for-rent/condominium
- Land For Sale — https://filipinohomes.com/for-sale/land
- Commercial For Sale — https://filipinohomes.com/for-sale/commercial
- Commercial For Rent — https://filipinohomes.com/for-rent/commercial
- Agents Directory — https://filipinohomes.com/agents
- Developer Projects — https://filipinohomes.com/projects
- Locations — https://filipinohomes.com/locations
- Blogs — https://filipinohomes.com/blogs
- News — https://filipinohomes.com/news
- Magazine — https://filipinohomes.com/magazine
- About — https://filipinohomes.com/about
- Contact — https://filipinohomes.com/contact
- Privacy Policy — https://filipinohomes.com/privacy
- Terms of Service — https://filipinohomes.com/terms
- Sitemap Index — https://filipinohomes.com/sitemap.xml
- Image Sitemap — https://filipinohomes.com/image-sitemap.xml
- Curated LLM Site Map — https://filipinohomes.com/llms.txt