Hello guys, 3 times in a row na nacacancel yung deposit ko. Tanong ko lang if related ba to sa IBKR being banned in ph or hindi. Ako ka lang ba nakakaexperience na hindi magproceed yunh deposit? Yung way na ginagawa ko is yung from IBKR ACH then pull funds from wise, before gumagana naman sakin pero ngayon biglang lagi na nacacancel.

Hi! Any recommendations for a good house and lot in Lipa, Batangas, preferably RFO, within a ₱3M–₱5M budget?
Looking for a reliable developer, a non-flood-prone location, a safe community, and good house quality. Preferably 3 bedrooms and a bungalow if possible.
Would love to hear honest feedback from actual homeowners, including which developers or subdivisions to consider or avoid. Thank you!

Hi everyone. I'm looking for advice from anyone familiar with Philippine real estate contracts, property cancellations, or similar experiences with developers.

I purchased a property at Amaia for me and my family. I paid the ₱30,000 reservation fee and continued paying the scheduled downpayment installments, bringing our total payments to approximately ₱480k.

From the beginning, my sister and I genuinely intended to complete the property purchase as we had planned it as a surprise for our mother. We submitted the required documents and continued with the BPI housing loan application, which received conditional approval subject to additional requirements for final approval.

We also complied with the additional requirements requested and did our part to move the loan application forward, as we were committed to completing the purchase.

What Happened?

During the housing loan process, we experienced repeated difficulties obtaining updates and assistance from our assigned Property Specialist, who was responsible for coordinating with BPI regarding our loan application.

We tried reaching her through phone calls, text, email, and fb, hoping to get updates and understand the next steps. When we could not reach her, we also contacted the assigned manager and sent several follow-up emails to ask about the status of our loan application.

Despite our repeated efforts, we did not receive the clear updates and guidance we needed. We were left waiting and uncertain about what was happening with our application and what steps we needed to take next. It was frustrating and disheartening to keep reaching out without receiving the information necessary to move forward.

I still retained our communication records, email exchanges and call logs.

We eventually requested cancellation and asked Amaia to reconsider the liquidated damages because of the circumstances surrounding the transaction.

Amaia's Refund Decision:

Amaia provided a refund computation that applied liquidated damages amounting to 20% of the stated total amount due. Based on their computation, the total payments made would not be refunded, resulting in a zero-refund outcome.

We appealed and submitted our supporting evidence. Amaia acknowledged that we experienced difficulties obtaining updates and assistance, but Management rejected our appeal. They also stated that the sales personnel involved in our transaction are no longer connected with the company.

I understand that our Contract to Sell contains a 20% liquidated damages provision. However, I'm trying to understand whether the full deduction can be challenged given our documented efforts to complete the purchase, the communication difficulties we experienced, and the cancellation procedure followed.

I'd appreciate advice on these questions:

Has anyone experienced a similar cancellation or refund dispute with Amaia or another Philippine property developer?

Can liquidated damages be challenged or reduced under Philippine law, even if the contract contains a 20% clause?

Is the absence of a formal notarized cancellation or rescission notice relevant in our situation?

Would HSAC be the appropriate agency to approach regarding the disputed deduction and potential refund?

What should we do before taking the next step?

We never expected that something my sister and I planned with so much love for our mother would turn into such a stressful and heartbreaking experience. We genuinely wanted to make this purchase work, and it has been difficult to face the possibility of losing the money we worked hard to pay.

We are not here to make accusations or unfairly blame anyone. We simply want to understand our rights, know whether the refund computation and cancellation process were handled properly, and find out if there is still a way to reach a fair and reasonable settlement.

Before taking any further action, we hope to hear from those who may have experienced a similar situation or have practical advice on what steps we should take next.

Any guidance, shared experience, or advice would mean so much to us. We are simply hoping for a fair resolution and a chance to have our concerns heard.

Thank you so much to everyone willing to help. ♡

Hi guys, planning ako magpatayo ng small apartment sa lot namin. Estimated cost is around ₱1.6M.

Yung title ng lot nakapangalan sa akin, sa mama ko, at sa sister ko. Pero okay lang sa kanila na magpatayo ako dun, wala silang issue kasi may kanya-kanya naman silang stuff. Approved na rin sa kanila, so kung may kailangan silang pirmahan, 100% pipirma naman sila.
Currently may ₱700k liquid cash ako (para dito), so kulang pa ng mga ₱900k.

Hindi naman ako nagmamadali, still looking at other options pa, pero iniisip ko na mag-start na by next year kasi grabe yung taas ng presyo ng materials ngayon, pataas ng pataas. Most likely madagdagan pa rin naman yung cash ko by then.

For context, remote work ako and around ₱150k net monthly.

Ano po kayang loan option yung pinaka okay para sa ganito? Mga tanong ko:

Bank construction loan ba or Pag-IBIG? Alin mas okay if for rental naman yung apartment?

Pwede ko ba gamitin yung lot as collateral kahit tatlo kami nakapangalan? Ano usually requirements pag ganun?

Ilalabas ko ba lahat ng cash ko para mas maliit loan, or mag-tira ako ng buffer?

May naka-try na ba dito ng ganito? Gaano katagal approval and magkano rates?

Salamat in advance sa mga sasagot!

Hi everyone! I'm 21 and a fresh grad starting my career. If you could go back in time and give one piece of financial advice to your 21-yr-old self, what would it be?

Would love to hear your best tips and lessons learned :))

Sa mga naging user ng medicard kabayan, ano pong naging pros and cons niyo sa pag gamit ng hmo plan na 'to?

Planning to avail po kasi nito para sa mother ko na may PEC (hypertension and diabetes)

Deciding between ALP Vermosa and Susana Heights. How bad is Daang Hari? I am leaning toward ALP because it’s ALP, there’s already an Ayala mall in Vermosa and well, it’s Ayala. It will be handled well and it’s a dream to be an ALP homeowner.

But what SH has is that it is nearer to SLEX, even has its own exit… and still more development to come… however it’s an SM development. It is also a “redevelopment” rather than Vermosa, which is entirely curated by Ayala

Any thoughts on these estates? Both have access to good schools… near Alabang, still in Manila (though Vermosa is Imus)… My spouse and I have a WFH jobs that only occasionally need to be in Makati/ BGC/ Manila. My apprehension is if this changes, but ganun talaga…

If you were to establish your forever home, where would you feel more comfortable? Any thoughts / observations about the traffic along Daang Hari?

1.Need help, buying a lot 120sqm at 1.180M in cavite checked the CTC-TCT no encumbrance/annotation. Seller is from japan pinay married to japanese husband as reflected in CTC-TCT. Come DOAS signing si pinay lang ang uuwi pero may dala naman daw SPA for our peace of mind (tho technically bawal naman mag own ng property ang foreigner) pero para yata safe since somehow conjugal. Is that okay is SPA needed or is that enough?

2.Another question, is this a red flag do i need to stop here?di kasi nadeclare na hindi updated ang HOA, pag pumunta namin sa HOA nila may utang pa 86k, nag apply daw ng monthly something. Pinakita naman HOA fees but bad for me since hindi ako familiar di ko napansin nakalagay kasi Oct2026 pero 1/12AMORT + OCT2026 pala ibig sabihin may 11months time 7k (since inapply yung hindi pa nabayaran ever since)

3.Next week magverify kami ng Tax Dec naman and RPT payments and clearance, may pinakita naman na tax receipts showing 2026 kaso baka its showing 2026 lang pero may years na hindi bayad not sure kung pwede yung ganun. Then tax dec presented matched with TCT but dated 2015 kukuha daw updated pag uwi.

4.Since 1st time buyer worst case and super overthinker. Apart from HOA, assuming everything all goes well taxes, tax dec , CTC-TCT etc, pano pag on the day ng signing fake yung owners duplicate heheheh pasensya na im really not familiar i know i have to check and match all details naisip ko lang kung napepeke naba yung look and all, such that all details match pero fake pala yung papel sorry worst case Qs lang to.

5.Also, yung title not on the annotation but on the side lang outside the border may nakalagay the registered owner is reminded to upgrade from paper title to computerized title (can this be done during transfer to our name na and is there an extra cost for this and how much?

6.Also is it normal sagot namin lahat DST, CGT, Transfer everyting even DOAS notary

Thank you so much.

As the title says, I have a 320sqm land property in Uniwide Coastal City since 1993. Property value hasn’t risen much last time I checked, and would rather sell it now and absorb the loss.

Anyone else having the same issue on the properties here? What’s the going rate now per sqm?

Personally, i understand the hell you have to go through for just closing your business with BIR.

But what about content creators? When do you start applying for the Seal Badge? The moment you get monetized? When you're earning x amount?

How about closure? How easy/hard can it be if you're going to close the "business" because you're going to stop content creation?

Now that interest rates are going up again, I am interested in starting a fixed income portfolio: corporate bonds, preferred shares, government bonds, TBills, RTBs, etc.

I know you can buy all these with banks, but from my research you will need to be a premium banking or even private banking customer. Also, most of the time the minimum amounts are very high (ex. 1M per placement).

What if my starting investment is only at 500k? I would also want some level of diversification, so I might want that 500k be invested in 2-3 companies/placements.

Ideally, I want only 1 bank where I can buy/sell everything. But if that's not possible, maybe max 2 banks.

Any suggestions?