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Cebuplaces Realty & Brokerage would like to challenge you whether you are a student, employee, working professional or a business person to explore your potential in real estate marketing and push out the edges of what you can be and achieve financial freedom. We are looking for people who are humble, teachable and willing to work hard full time or part time.We invite you to be part of our team today….email or contact us: at Tel no. (63) 2390890 or (63) 5143342 or visit us at our office at 104 V. Ranudo St., Cogon Ramos, Cebu City, besides Jo's Chicken Inato.


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Important Informations About Real Estate in Cebu

HMDF Loan Policies (Pag-ibig)
15 ways to prevent your home from repossession
Steps in Pag-ibig Loan Application
Pag-IBIG lowers housing loan rates effective July 2016
Metro Pacific awarded to construct 3rd bridge
Philippine Real Estate Laws Ownership, Practice, Taxes
Cebu Projects and Construction directory
Condominium and House and Lot ownership
How To Detect Fake Titles
Understanding Real Estate Terminologies
Is Buying Foreclosed Properties A Good Deal?
Forms of Contracts Under Philippine Laws
Development of Cebu's SRP
National Code of Ethics in Realty Service Practice
Real Estate : How To Stay Positive in Today's Market
10 Tips in Buying Real Estate
27 Ways to Secure Valid IDs in the Philippines
Buying a Condominium in the Philippines
Cebu: Promising Area for Global Investments
Investors pour P4.7B in Lapu-lapu City, Mactan Cebu
Business' plan for Mactan
Cebu Trans-axial project now with Eco Enterprise Council
Cebu North coastal road may cost P2.3B
Cebu now top choice for BPO expansion
Becoming a Real Estate Salesman in the Philippines
Developing a Residential Condo in the Philippines
The Concept of Philippine Condominium Ownership
Invest in the Philippines
P 30B earmarked for low-cost housing loans
Effects of RA 9679 on OFW Pag-IBIG members
HDMF REQUIREMENTS
P1B Mingla reclamation project endorsed to PRA, Neda
Friendship Bridge to link Cebu, Bohol
MCIA Passenger Terminal Building
Mactan airport terminal 2 to open in 2018
DOH advises to close Inayawan landfill

15 ways to prevent your home from repossession

15 ways to prevent your home from getting ‘repossessed’
 

MANILA, Philippines—Buying property on impulse may cause more regrets in the end.

An industry legal expert has estimated that 50 percent of buyers of house and lots and condominium units had admitted they could no longer pay their monthly amortizations or were dissatisfied with particular aspects of the project, and were asking for refunds of their payments.

Mike Denava, legal officer of the Housing and Land Use Regulatory Board, told Inquirer Property that he based this on callers asking for assistance at the HLURB hotline.

He added that some of these callers were overseas contract workers who could no longer find jobs abroad.

This has prompted Denava to enumerate to Inquirer Property the following 15 reminders to potential property buyers.

1. Check the source of your income. Aside from checking the development projects thoroughly, look at your own resources on a long-term basis to be certain if you can really pay your monthly amortizations in the long run.

2. Check if the project has a license to sell and if it is registered with the HLURB.

3. Check if the broker or agent is registered.

4. Check if the property is not yet sold to others.

5. Conduct personal visits to the project site. It is also advisable to visit the property itself to check for leaks or potential for flooding.

6. If you’re buying on pre-selling terms, look at the date of completion of the project, which should be found in the developer’s license to sell.

7. Check if the property is mortgaged. If it is, make sure there is clearance from the HLURB.

8. Check if the materials used in your prospective home conforms with the standards approved by the HLURB. It is indicated in the approved plan. The local government approves the plan for subdivision projects, while the HLURB approves plans for condominiums. HLURB grants certificates of registration and licenses to sell to developers applying for project approvals.

Denava also said approval of subdivision projects also includes the assurance of safety measures. Mandatory requirements, particularly in condominium units, include certificates of fire protection, occupancy permits and mechanical certificates.

9. Make it clear who should be responsible for paying the cost of water and electric meters.

10. Check whether subdivision perimeter fences will be provided. If it is not in the approved plan, a buyer cannot demand the developer to put perimeter fences.

11. Do not sign a blank contract to sell.

12. Read the contract to sell thoroughly, especially the fine print.

13. Secure a copy of the contract to sell and of the other documents that you have signed.

14. Make sure the contract to sell will be registered with the Register of Deeds (the developer is mandated to do this).

15. Pay directly to the owner-developer and/or authorized marketing agents, and make sure to ask for official receipts as soon as they get your payment.


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