Cristoper Zigazo

Because family is meant to stay close, even through time.
At Haven of Peace Memorial Garden, we offer a place where love, peace, and memories live on.

Now available with an exclusive 30% DISCOUNT on our highest inventories selections:

🌸 Family Lot 1 ✨ Save as much as ₱ 1,170,000.00
🌸 Family Lot 2 ✨ Save as much as ₱ 1,670,000.00
🌸 Garden Lot ✨ Save as much as ₱ 400,000.00
🌸 Gazebo Garden ✨ Save as much as ₱ 630,000.00

Secure a dignified and beautiful resting place for the ones who matter most.
Plan ahead with peace of heart and mind.

👉 Message us NOW to reserve your slot
👉 Schedule a site visit today
👉 Limited slots available — inquire while this offer lasts

For Site Tripping Schedule Pls. Pm Call & Text 09615741564

🌟 𝗥𝗲𝘀𝗲𝗿𝘃𝗲 𝗬𝗼𝘂𝗿 𝗜𝗻𝘁𝗲𝗿𝗺𝗲𝗻𝘁 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗡𝗢𝗪 𝗕𝗲𝗳𝗼𝗿𝗲 𝗣𝗿𝗶𝗰𝗲𝘀 𝗚𝗼 𝗨𝗽! 🌟

A price increase is coming soon! Secure your interment service at Haven of Peace Memorial Garden today and ensure a dignified resting place for your loved ones. We now offer installment plans for the following options:

Lawn Lot
Bone Chamber
Cinerarium
Family Lot
Garden Lot

By reserving now, you’ll lock in the current rates and enjoy the flexibility of an installment plan, making it easier than ever to secure peace of mind.

⏳ Hurry! Don’t miss out on this opportunity. Contact us today to learn more or to schedule a visit. Ensure your loved ones are honored in our beautiful memorial park.
📞 For more information, call 09615741464
🔗 Visit our Official Page: Haven of Peace Memorial Garden or Hop Docs

Attention All Client & Buyers Please Help me to buy this Two Story House

Sacrifice Two Story House Rush for Sale Direct Owner.2M Negosiable last Price 1,800,000.00
Location Back of New San Vicente Chapel Basak road Lapu-Lapu City Cebu.

Who buys a house there? It's very cheap. He is in a hurry to sell the house because the owner of the house needs money.

House Details.

Two story house single detach with rooftap.

The first floor has two bedrooms, two bathrooms, a kitchen, and two large living rooms.

The 2nd flr is planned to be rented out as a boarding house or apartment.ò some work has not yet been completed, it's just that the five Crs are ready, I just need to share the rooms so that when it's done, you can rent the rooms.

Near strategic location

Walking destance from Brgy.Road Basak LLC
Wise Practical Investment
Return investment

Near strategic location Accebilities:

5 mins. ( 1.2 Km ) Gaisano Grand Plaza
Mactan Lapu-Lapu, Cebu
6 mins. To Cebu Lights indusrial Park
Lapu-Lapu ( Mepz 4 )
6 mins. Basak Jeep Terminal Lapu-Lapu, Cebu
6 mins. Sm Hypermarket Basak Lapu-Lapu, Cebe
6 mins. Robinson Supermerket Pueblo Verde Basak Lapu-Lapu,Cebu
7 mins. ( 1.7 Km ) MEPZ 2 Lapu-Lapu, Cebu
7 mins. ( 1.6 km ) Mactan Doctors Hospital
Lapu -Lapu Cebu
8 mins. ( 2.1 Km ) Gaisano Grand Mall
Mactan Lapu-Lapu, Cebu
11 mins. Lapu-Lapu Public Market Lapu-Lapu, Cebu
17 mins. Mactan International Airport Lapu-Lapu, Cebu
24 mins Berhin sa Regla sa Opon Lapu-Lapu, Cebu

for more information Intrested Client just PM call this number #09615741564

Good news re open Bagalnga Compostela, Cebu.

👉For only 2, 917 for 50sqm 5yrs to pay

Pinakabarato nga Yuta data2x..Invest now!
Easy and Affordable Lot Only...

👍Project Name: MIKAEL LAND SUBDIVISION
👍Location: Bagalnga Compostela, Cebu.

✅ No Downpayment
✅ Straight Monthly
✅ Zero interest
✅ 5 yrs. to pay

👉Price: Php. 3,500/sqm

📌Sample Computation:
▪️50 x 3,500 = 175, 000 / 60
= 2, 9167 /monthly

👍With basic amenities

📌( Water line and electric system )
📌( Concrete road )
📌( Underground drainage )
📌( With perimeter fence )
📌( Chapel)
📌( Basketball Court )
📌( Entrance Gate with Guard House )

✔ ️In-House Financing Only!!!
✔️No proof of income required
✔️Just bring 1 valid Id and 1 month payment for reservation

For more inquiries & free site viewing Please pm/ contact
Chri # 096157415642

FEES ON THE TRANSFER OF TITLE IN THE PHILIPPINES

1. Docs Stamp (1.5% of the total selling price)
2. Transfer Tax (0.5% but not over 1% of the selling price or zonal value whichever is higher depending on LGU where the property is located.
3. Registration Fee (depends on the amount of the property in the Deed Of Sale)
4. Notarial Fee (depends on the amount of the property in the Deed Of Sale)
5. Processing Fee (fee of the broker/agent who will transfer the title, depends on the agreement of the agent/broker and client. )
6. Miscellaneous (Expedite, attorney fee etc)
7. Capital Gains Tax (6% of the total selling price.)

credit/title pic is from: thisisphilippines

Contract to SELL vs Contract of SALE (Deed of Sale)

📌 What is a Contract of Sale?

Article 1458 of the Civil Code of the Philippines states: "By the contract of sale one of the contracting parties obligates himself to transfer the ownership and to deliver a determinate thing, and the other to pay therefor a price certain in money or its equivalent."

📌 What is a Contract to SELL?

“A contract to sell, on the other hand, is defined as a bilateral contract whereby the prospective seller, while expressly reserving the ownership of the subject property despite its delivery to the prospective buyer, commits to sell the property exclusively to the prospective buyer” upon full payment of the purchase price” (Tumibay vs Lopez, GR 171692)

📌 When does the title or ownership over the property transferred in a CONTRACT OF SALE?

In a contract of sale, title passes to the vendee upon the delivery of the thing sold (actual delivery) or upon ex*****on of the deed of sale (constructive delivery)

📌When does the title or ownership over the property transferred in a CONTRACT TO SELL?

In a contract to sell, by agreement the ownership is reserved in the vendor and is not to pass until the full payment of the price.

📌 Does the actual delivery of the property result to the transfer of the ownership of the property?

It depends.

✔️If a Contract of SALE, yes as there is actual delivery.

✔️If a Contract to SELL, the actual delivery of the property does not necessarily mean the transfer of ownership.

📌 To summarize, what is the difference between a Contract to Sell vs a Contract of Sale?

In a contract of sale, title passes to the vendee upon the delivery of the thing sold (actual delivery) or upon ex*****on of the deed of sale (constructive delivery); whereas in a contract to sell, by agreement the ownership is reserved in the vendor and is not to pass until the full payment of the price.

In a contract of sale, the vendor has lost and cannot recover ownership until and unless the contract is resolved or rescinded; whereas in a contract to sell, title is retained by the vendor until the full payment of the price.

‼️ctto‼️

𝟲 𝗧𝗔𝗫𝗘𝗦 𝗬𝗢𝗨 𝗡𝗘𝗘𝗗 𝗧𝗢 𝗖𝗢𝗡𝗦𝗜𝗗𝗘𝗥 𝗪𝗛𝗘𝗡 𝗕𝗨𝗬𝗜𝗡𝗚 𝗟𝗔𝗡𝗗

You need to acquaint yourself of these taxes when you purchase a piece of land. This should be part of your budget.

1️⃣ 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗚𝗮𝗶𝗻𝘀 𝗧𝗮𝘅 - You pay this when you sell something at a price higher than you spent to buy it. In other words, it is a tax levied on the earnings gained from selling capital assets.
2️⃣ 𝗥𝗲𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗮𝘅 - that is paid annually for owning real property such as land, building, improvements, and machinery. The Local Government Unit imposes this tax as a means of raising their revenue to fund basic public services they provide.
3️⃣ 𝗗𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗦𝘁𝗮𝗺𝗽𝘀 𝗧𝗮𝘅 - It is a tax charged on documents, instruments, any loan agreements, and papers evidencing the acceptance, assignment, sale, or transfer of an obligation, right, or property.
4️⃣ 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝗧𝗮𝘅 - is imposed whenever there is a transfer of ownership of the real property through sale, donation, or any other mode. The rate ranges from 0.5% to 0.75% of the zonal value or selling price of the property, whichever is higher depending on the municipality where the land is located.
5️⃣ 𝗗𝗼𝗻𝗼𝗿’𝘀 𝗧𝗮𝘅 - is imposed on the free transfer of property between two or more persons by donation or gift provided they are still alive at the time of the transfer.
6️⃣ 𝗘𝘀𝘁𝗮𝘁𝗲 𝗧𝗮𝘅 𝗼𝗿 𝗜𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗧𝗮𝘅 - is imposed on the privilege of transferring property upon the death of the owner of the land to the lawful heirs. You need to file and pay the Estate Tax before the ownership of any real property can be transferred from the decedent to his/her heirs.

🔸️LAND TITLE VS TAX DECLARATION 🔸️

The Difference between the Certificate of Title versus Tax Declaration in the Philippines

🔻🔻🔻🔻🔻🔻🔻🔻🔻
CERTIFICATE OF TITLE
1. A document evidencing a right of ownership to a property
2. A document that attest to the fact that the person named is the owner of the property described therein subject to liens and encumbrances noted on it
3. It is registered with the Register of Deeds of the province or city where the land is located
4.The Certificate of Title is indefeasible and imprescriptible
5. All claims to the land are quieted upon issuance of this document
6. Recorded with the Register of Deeds of the municipality, city, or province where the land is located.

🔻🔻🔻🔻🔻🔻🔻🔻
TAX DECLARATION
1. A document that show good sign of possession only in the concept of owner, not ownership
2. Not conclusive evidence of ownership to property, but only a proof of payment of realty taxes
3. Recorded with the Assessor’s Office of every municipality or city where the land is located

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Ang pagmamay-ari ng lupa ay napapatunayan sa pamamagitan na hawak na titulo na kung tawagin ay ang Transfer Certificate of Title (TCT) o Condominium Certificate of Title (CCT). Ayon sa maraming Supreme Court decisions “the best proof of ownership of a piece of land is the Certificate of Title” (Halili vs. Court of Industrial Relations, 257 SCRA 174 [1996]). Ito ang tinatawag na titulo ng lupa at wala nang iba pa.

Ang "tax declaration ay hindi titulo ng lupa. Maraming Supreme Court decision din ang nagsasabi na "Tax declarations and receipts are not conclusive evidence of ownership. At most, they constitute mere prima facie proof of ownership of the property for which taxes have been paid. In the absence of actual, public and adverse possession, the declaration of the land for tax purposes does not prove ownership." Ibig sabihin nito na ang tax declaration ay hindi siguradong ebidensiya ng pagmamay-ari ng lupa. While tax declarations and receipts are not conclusive evidence of ownership and do not prove title to the land.
▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️

Ang tax declaration ay pwedeng i-apply para maging titulo. May dalawang pamamaraan ng pagpaparehistro ng lupa, ito ay ang sumusunod:

1. Judicial Proceeding – kung saan kinakailangan ninyong magfile ng petisyon para sa registration sa korte.

2. Administrative Proceeding –ito ay pamamaraan kung saan mag-file ng application para sa “Homestead Patent” sa DENR at ang registration ng patent na ito ang magiging batayan para sa pag-isyu ng Original Certificate of Title alinsunod sa Commonwealth Act 141 o ang “THE PUBLIC LAND ACT”.

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