huis kopen in Tacloban

[Ifugao]

Want eerlijk gezegt 780 m/2 met een ,ja, prachtig huis voor 4 milj. 

Woningen worden niet altijd in oppervlakte aangegeven, soms ook in Volume. Dan is met een gemidelde hoogte van ongeveer 3meter de oppervlakte 260m2
Nog altijd een respectablele oppervlakte.

Nog een belangrijke tip: Laat vooral je witte gezicht niet zien in de onderhandelingen over de prijs. Als ze ruiken dat er wit geld aankomt is de prijs al verhoogd met 60%.  Wij hadden eens een afspraak om een property te bezichtigen voor 4miljoen. Toen wij eraan kwamen ze zagen mij was het ineens 6miljoen. Toen we zeiden dat de vraag prijs 4miljoen was, bleek dat plotseling een "vergissing".

Vraagprijs 4miljoen, begin met 2.8 te bieden. Alles door je vrouw laten doen en zelf op d achtergrond blijven. Ook mag je vrouw niets zeggen over buitenlands geld of eenbuitenlandse echtgenoot. Zodra dat bekend is bij de eigenaar vergeet je onderhandelingen maar. 

Er is verschrikkelijk veel te vertellen over de valkuilen in onroerend goed in de PH. Ik zal eens kijken of ik wat beknopte info kan vinden. Wees in ieder geval zeer op je hoede.

[Kano]

Hier alvast een checklist

http://www.mixph.com/2008/03/check-list-before-buying-real-estate-in-the-philippines.html

[Ifugao]

1. Ask the seller for his "owner's copy" of the title and tax declaration to the property.

2. Go to the Register of Deeds and ask for a copy of the master title that he keeps on file. Compare the two copies... if they are identical, proceed. If not... find another property.

3. If they are identical, go back and ask for copies of all documents pertaining to the property.

Of hier een wat uitgebreider bericht:

Properties above a million pesos can take years to sell. You may be the only possible buyer the sellers have ever had. One option to consider is to sign a year lease with an option to buy and make a contract to sell that locks in a price but also has an escape clause for you.

1. Get the title number from the seller and get a Certified True Copy of the Title from the Register of Deeds (ROD). About 50 pesos. Do not accept a copy or even the original title from the owner because the title in the ROD may be annotated. Make sure there are no annotations or encumbrances (aka liens) on the property. The encumbrances will be on the back of the title. If there are encumbrances they must be cleared prior to the title transfer. Also make sure you are dealing with the owner of the property get some ID and meet together with the Barangay Captain or his priest. (note - If you follow through and buy the property you will need 5 or 6 certified true copies of the title.)

2. Make sure the taxes are paid and that all the numbers on the tax paperwork correspond to the title if any of the numbers are wrong it could take months more to get your title. The seller should have these documents. You can go to the tax assessor's office if you want, but if the owner has the copy of the paid taxes I would take it as real.

3. Get a copy of the of the subdivision or lot plan from the Register of Deeds or maybe there ia a Tax Map Office. The seller will say it is not necessary but I would strongly suggest you get the subdivision plan. This is a bluish (blueprint) color and it will be 2 to 4 feet square and was certified by a geodetic engineer. You might need to hire a geodetic engineer to request this document and that should cost 1000 - 2000 pesos. Make sure the survey shows the correct lot number. If you want to be extra careful you can conduct a relocation survey of the property which will basically verify the original geodetic survey.

4. Type up a Contract to Sell that describes the method of payment and the property. Type up an Absolute Deed of Sale. The seller will probably want you to pay for the property when they sign the Absolute Deed of Sale because in theory and legally when they sign the Absolute Deed of Sale you will be the lawful and rightful owner of the property. I suggest that you try to pay about 5-10 percent (certainly no more then 50%) when you sign the Absolute Deed of Sale ( 6% of this money to pay the capital gains and the document stamp 1.5%) and don't pay the balance until you get the title in your hands with your wife's name on the title. This can all be specified in the Contract to Sell. Most people will not want to sell, execute the Absolute Deed of Sale with out getting all the money, but that really puts you at risk if there is a problem getting the title and the seller has all their money and no motivation to help you.

5. A lawyer will want 2-5 percent of the purchase price if they make up the Contract to Sell and/or Absolute Deed of Sale and they will probably do it wrong. Negotiate that the seller pays for the lawyer is the best option, put this in the Contract to Sell and make the paper work (contract to sell / absolute deed of sale) yourself. But you still need a lawyer to notarize the documents and that should cost 2000 - 5000 pesos at most.

6. You have to get through the BIR, where the seller pays the capital gains (6%) and the Document Stamp (1.5%). Next the documents need to get clearance from the tax office, and maybe from other government offices like the Department of Agrarian Reform (DAR). I am sure this is differs slightly in each province. Your wife will need to get a Tax Identification Number (TIN) at the BIR. The other transfer taxes (0.5%) and registration fee are paid by the buyer (0.25%).

7. Now you are ready to go to the Register of Deeds with all of your documents. They will probably take 2 to 4 weeks to type up your title. Make sure they don't make a mistake on the title when you pick it up. We asked nicely and they did our title in 3 days because we were leaving the Philippines.

Last thoughtsÂ...
Don't "buy" tax declaration land or patent title or homestead titled land. Only buy Original Title (OTC) or Transfer Title Certificate (TTC). Always be sure you are dealing with the owner of the property. Be cautious when someone has a Special Power of Attorney. Don't buy a property if a person on the title is deceased / dead (i.e. husband alive and wife is dead) it is best to have them get a new title. Don't buy land that is more then 5 hectares because the government DAR might very likely claim the land when you try to title it. Always be prepared to walk away. Use a camera record every meeting, transaction, survey etc... I am not sure of the legality/admissibility of the recording but it tends to give people the appropriate pucker factor if they are thinking about staying from the truth.



Bron: Yahoo Groups

[Ifugao]

Hier nog een:


1
Ask owner the location of the bank is which is using the property for collateral.
Ask for a copy of the Tax Declaration or ask to make a copy, photocopy all pages, both sides of Tax Declaration document which owner shows you.
Ask for a copy of the Tax Receipts or ask to make a copy, photocopy all pages, both sides of Tax Receipts which owner shows you.
If there is a Title ask for a copy or ask to make a copy, photocopy all pages, both sides of Title which the owner shows you
If there is a Deed ask for a copy or ask to make a copy, photocopy all pages, both sides of Deed which the owner shows you
Start a journal of what seller and neighbors tell you. Use complete names, location and date as much as possible.
Keep track of all your investigation in this journal to refer back to later. This should include what is you are told at the Bank, ROD , Tax Assessor's office and DENR.
Verify that the person named on the tax declaration is the same one that is selling the property
If possible talk to the neighbors (children of seller?) which have boundary with property and see if any disagreements about boundry the owner is showing you or if the owner is allowed to sell that land.
Verify that there is access to the property by way of a public road.verify access to water and electricity.

2
Use photocopy of tax declaration and tax receipts (and possibly Title and Deed) to compare to what is on file at:
Bank, Registor of Deeds, Municipal Tax Assessor's office and DENR. Verify that documents are the same with no leans or notations or additional loans as the documents from owner.
Expect to see a loan of 25000 pesos against land from the bank notated on tax declaration when at bank.

At the bank, determine if there are any back payments on loan, penalties or pending foreclosure and how it affects purchasing the property (you may need to bring owner to bank to be able to view documents, this may help confirm sellers identity).
(you will want to get a photocopy of the original documents from the bank all pages and both sides)

At the Municipal Tax Assessor's office, determine if any and how much back taxes are owed and how it affects purchasing the property
(you will want to get a photocopy of the original documents from the Municipal Tax Assessor's office going back for 30 years all pages and both sides)

At the Registor of Deeds investigate to see if any sales or loan activity is on file there regarding this property or the seller. Get a photo copy of any documents if any (both sides of any documents).

At the DENR region 7 which I think is located in Banilad, Mandaue, visit the Land Management Division of the Land Managment Service. Inquire about getting a certified
true copy of the most recent survey plan. Ask also for a true copy of the lot's Technical Description. While your there, ask to see everything they have on the history of the lot.
get copies of anything that you think is important. Verify that the land you are buying is Ailenable and Disposable.

4
Organize all the photocopies in a binder or folder,
Take all photocopies and all discovered information to lawyer (or person that will be our expert) for opinion of any problems with transaction.
Bring your journal to be able to answer any questions from lawyer/expert.
Get back all copies from unless you have duplicates and don't need them.

5
Hire a surveyor to stake out boundaries of property and make sure it matches the property description on the tax declaration. and the boundaries the owner is claiming. Surveyor will mark boundaries.
Allow the owner and neighbors to witness the survey so if they are in disagreement that they will have a chance to speak out before buying property.
Have the surveyor verify that there is access to the property by public road or that the property boundary is adjacent to the public road
Have surveyor verify access to water and electricity. keep making entries in your journal what the surveyor says.

[Ronny55]

@ Robert,

Je ziet het is nen hele boterham die je hier voorgeschoteld krijgt....geloof me niemand wil je bang maken...het is enkel als goede raad bedoeld en meestal door leden die hier al geruime tijd wonen. Heb toenertijd ook een resem "advies" gekregen en voelde me echt niet te ijdel om het in de wind te slaan.....het heeft me in 3 gevallen goed dienst gedaan, van de 6 eigendommen die ik wel zag zitten waren er maar 3 echt zuiver. Dit na 4 maanden rondrijden en zoeken.  Voor een ervan ben ik dan gegaan, ben er heel tevreden mee en na 6 jaar woon ik hier nog altijd graag. Misschien heb ik wel geluk gehad door de hulp van mijn entourage, maar zelf ook ogen en oren open gehouden en de tijd genomen.
Verder wens ik je veel succes met wat je ook wil aankopen. 

[daf105paccar]

Nooit gemakkelijk in het buitenland een eigendom te kopen.
Wens je veel geluk en wees voorzichtig. 


De lichtere kant van de zaak:

Dat broekje is toch zeer diep tussen de 2 billen van haar kont gekropen?

[PeterVL]

Je kan geen grond op je naam kopen inderdaad. Maar ook een huis kan NIET op je naam alleen staan. Als je gehiwd ben staat het huis op naam van de echtgenoten wat wil zeggen dat zowel de man als de vrouw elkaar niet uit het huis kunnen zetten(tenzij de rechter anders belsist en meestal vliegt de buitenlander eruit dan)
Wat je wel op je naam als bezit kan kopen is een appartement of 'deelhuis' in in groter geheel van het gebouw; er zijn veel bouwmaatschappijen dat dit gat in de markt hebben gezien en 'the yards' rijzen als paddestoelen uit de grond.
Als je per se huis met tuintje wilt houd daar rekening mee, als je tevreden bent met een condo ben je zeker dat dit je eigendom is...

[klootzakken (voorheen Jens)]

sorry boy,s . Robert heeft nooit beweerd dat de grond in een sub ligt .

overigens een heel mooi huis , en ja 4 miljoen peso is een normale prijs voor  zo,n huis met al die grond .. niets mis mee.

vergeet een ding niet jongens , ook in de fils is alles duurder geworden .

[gosternokke]

Klopt dat heeft ie niet beweerd , maar als ik op google ,, lolita homes palo,, intik  krijg ik toch de indruk met een subdivision van doen te hebben



https://www.facebook.com/pages/Lolita-Homes-Subdivision-Palo-Leyte/351386024925927
 

[gosternokke]

Nooit gemakkelijk in het buitenland een eigendom te kopen.
Wens je veel geluk en wees voorzichtig. 


De lichtere kant van de zaak:

Dat broekje is toch zeer diep tussen de 2 billen van haar kont gekropen?

      Waar sommige forumleden al niet op letten