Due Diligence Checklist

Get a certified true copy from the Registry of Deeds. Check for encumbrances, liens, or adverse claims.

Ensure the seller is the registered owner or has proper authority (SPA) to sell.

This confirms no mortgages, liens, or claims against the property.

Compare the lot plan with the title technical description. Ensure boundaries match.

Obtain tax clearance from the municipal treasurer. Verify no unpaid taxes.

Ensure property details match between Tax Declaration and TCT.

Request HOA clearance showing no unpaid monthly dues or special assessments.

For developed lots, verify water and electric bills are settled.

Understand building guidelines, fence height limits, and prohibited activities.

Ask for the fee schedule and what it covers (security, maintenance, amenities).

Confirm HLURB/DHSUD license to sell is valid and not expired.

For pre-selling, verify which amenities are committed and their completion status.

Visit the property in person. Check access roads, terrain, and surroundings.

Request a geodetic survey if boundary markers are unclear.

Check for potential nuisances, ongoing construction, or commercial activities.

Visit during rainy season or ask long-time residents about flooding history.

Have a lawyer review before signing. Check payment terms, penalties, and turnover conditions.

Ensure all details are accurate. This will be notarized upon full payment.

If seller uses a representative, ensure SPA is notarized and specific to the sale.

Government-issued IDs needed for notarization and title transfer.

Include DST, transfer tax, registration, notarial fees, and miscellaneous.

For installment, confirm due dates, grace periods, and interest rates.

Get loan pre-approval before committing. Know your borrowing capacity.

Budget PHP 35,000-50,000 per sqm for mid to high-end construction.