Premium Subdivisions in South Luzon

The listed price typically covers just the lot itself. Additional costs include: Documentary Stamp Tax (1.5%), Transfer Tax (0.5-0.75%), Registration fees, and miscellaneous fees. Use our Total Cost Calculator to get an accurate breakdown. Some developers include certain fees in 'all-in' packages — always clarify what's included.

For developer sales (new lots), expect 6-12 months for title processing after full payment. For resale lots with existing titles, transfer typically takes 2-4 months. The timeline depends on BIR processing, Registry of Deeds workload, and document completeness.

Foreigners cannot own land directly but can: (1) Buy condominium units (up to 40% foreign ownership per building), (2) Form a corporation with Filipino partners (60% Filipino ownership required), (3) Have a Filipino spouse purchase in their name. Consult a lawyer for the best structure for your situation.

Monthly HOA dues typically range from PHP 1,500 to PHP 8,000+ depending on the subdivision's amenities. Fees cover security, road maintenance, common area upkeep, and amenities like clubhouses and pools. Premium subdivisions with golf courses or extensive facilities charge higher fees.

Spot cash typically gets you 5-15% discount and faster title processing. Installment (usually 12-60 months) preserves your capital and some developers offer 0% interest for short terms. Bank financing has lower monthly payments but adds interest costs. Choose based on your cash position and opportunity cost of capital.

Check: (1) HLURB/DHSUD License to Sell, (2) Developer track record and completed projects, (3) Title status at Registry of Deeds, (4) Tax declarations are current, (5) HOA is registered and functional. Our Due Diligence Checklist covers all verification steps.