TaxGo

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Designed to make tax administration seamless, this platform brings your profile data, return status monitors, payment logs, and live ledgers into a single secure view.

🚦 Who can access it right now? It's currently in a pilot phase for Large Taxpayers Service (LTS) registered accounts to ensure everything runs perfectly before a nationwide rollout.
Mainam na ang maalam!

Fully Paid ka na sa Bank/PAG-IBIG pero “Encumbered” Pa Rin ang Title sa Registry of Deeds?

Maraming property owners ang nagugulat kapag fully paid na nila ang housing loan nila sa Bank o PAG-IBIG, pero nang kumuha sila ng Certified True Copy ng titulo, nakalagay pa rin:

“Mortgage/Real Estate Mortgage”
o kaya
“Encumbered”

Normal ba ito?
Oo — at madalas nangyayari ito kapag hindi pa naipapa-cancel ang mortgage annotation sa Registry of Deeds (ROD).

Ano ang ibig sabihin ng “Encumbered”?

Kapag naka-encumbered ang title, ibig sabihin may nakarehistrong claim o obligasyon sa property — kadalasan ay mortgage sa bangko o PAG-IBIG.

Kahit fully paid ka na, mananatili pa rin ang annotation hangga’t hindi ito officially pinapacancel sa Registry of Deeds.

Sa madaling salita:

* Bayad ka na sa utang
* Pero sa records ng gobyerno, naka-mortgage pa rin ang property

Bakit importante na ma-cancel ito?

Kapag hindi na-cancel ang encumbrance:

* Magmumukhang may existing utang pa ang property
* Posibleng magkaroon ng delay sa bentahan
* Mahihirapan kang gamitin ito bilang collateral ulit
* Puwedeng magdulot ng problema sa transfer ng title
* Nakakaapekto sa clean status ng property documents

Ano ang dapat gawin?

1. Kunin ang Release of Mortgage / Cancellation of Mortgage Documents

Kapag fully paid ka na, dapat mag-issue ang Bank o PAG-IBIG ng mga sumusunod:

* Release of Real Estate Mortgage
* Cancellation of Mortgage
* Original Title (kung hawak nila)
* Promissory note marked “Paid”
* Other supporting documents

Minsan hindi ito automatic na binibigay, kaya kailangan mong i-follow up.

2. Bayaran ang kinakailangang fees at taxes

May mga documentary stamp taxes, registration fees, at other minimal charges na kailangang bayaran para ma-process ang cancellation.

3. Ipa-register ang Cancellation sa Registry of Deeds

Dalhin ang complete documents sa tamang Registry of Deeds kung saan naka-register ang property.

Kapag approved na:

* Tatanggalin ang annotation ng mortgage
* Maglalabas ng updated title
* Magiging “clean title” na ang status

4. Kumuha ng bagong Certified True Copy

Pagkatapos ma-process, kumuha agad ng bagong kopya ng titulo para ma-check kung wala na talagang encumbrance annotation.

Importanteng Paalala

Maraming homeowners ang akala automatic nang malinis ang title kapag tapos na ang loan — pero hindi ito automatic sa maraming kaso.

Responsibilidad pa rin ng owner na siguraduhing:

✅ Released na ang mortgage
✅ Cancelled na sa Registry of Deeds
✅ Updated na ang titulo

Practical Tip

Kapag fully paid ka na:

* Huwag hayaang tumagal ng maraming taon bago ipa-cancel ang mortgage
* Itago lahat ng receipts at release documents
* Mag-request agad ng updated title copy after cancellation

Dahil kahit bayad ka na, kung naka-encumbered pa rin sa records, puwede ka pa ring magkaroon ng aberya sa future transactions.

Maraming salamat po sa tiwala!

✅Collection receipt
✅Sales Invoice

Sa mga business owners po na walang time magpagawa ng resibo. Please Dm or contact us at 0947-224-4858

NEED ASSISTANCE FOR BUSINESS PAPERS/DOCS. We got U! ☺️

Assisting Taxpayers especially in Nueva Ecija 23A and 23B

Services offered:

📌 Business Registration
- DTI/Mayor’s Permit/SEC/BIR Processing

📌BIR Services
- Monthly and Quarterly Taxes
- COR Updates & Other Modifications
- Income Tax Returns
- Authority to Print Receipts
- Registration of Book of Accounts

📌Land & Business Documentation
- Transfer Land Titles
- BIR Tax Clearance, PHILGEPS, SEC Registration

📌Other Services
- Business Closure Assistance
- SSS, PHILHEALTH, PAGIBIG & Other Compliance
- Open Case Resolution

📞 Contact us
0947-224-4858

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NEED ASSISTANCE TO TRANSFER A TITLE?📣
(para sa mga busy at walang time mag ayos ng title ng property)

SERVICES OFFERED:📥
- Tax Payment
- ECAR Processing
- New Title
- New Tax Declaration
- Documents Certified True Copy
- Real Property Payment
- Extra Judicial Settlement Process
- Land survey (pasukat ng lupa)

For those interested kindly message me here
👇
☎️09472244858
dm na lang po, thank you 🙏 ☺️