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Smarter Real Estate, Made Easy

Property with no access to a public road is cheap for a reason. The Civil Code gives the owner of a landlocked lot a legal right to demand a way out, but it is a right with conditions, a price, and a procedure, and it is not a license to choose the most convenient route.

A mortgage is an accessory to the loan it secures, so full payment ends the obligation, but it does not remove the entry from the title. The lien stays on record until a release is registered at the Registry of Deeds.

The eCAR, the Electronic Certificate Authorizing Registration, is the BIR's confirmation that the taxes on a property transfer have been paid. Without it, the Registry of Deeds will not cancel the old title or issue a new one, whatever the deed says.

The difference between a contract to sell and a deed of absolute sale decides who owns the property, what happens when a payment is missed, and what the seller can do with the unit in the meantime.