Taxes & Fees

One of the biggest surprises for first-time homebuyers is the extra costs involved beyond the property’s selling price. To budget accurately and avoid shock, it’s essential to understand the various real estate taxes and fees in the Philippinesthat are part of every transaction. This guide provides a clear breakdown of all the government taxes and administrative fees you will encounter when buying a home. From the seller’s Capital Gains Tax to the buyer’s Documentary Stamp and Transfer Tax, we explain who pays for what and when. Use this resource to prepare your finances and ensure a smooth, transparent property purchase in Bulacan. Explore the terms below.
Main Glossaries

Capital Gains Tax (CGT)

Capital Gains Tax (CGT) in the Philippines is a 6% tax on the sale of real property, shouldered by the seller. This guide explains how CGT is calculated based on the selling price or zonal value and why its payment is a mandatory step before the property title can be transferred to the buyer.

TRAIN Law

Learn how the TRAIN Law (RA 10963) directly impacts the price of homes in the Philippines. This 2025 guide for first-time homebuyers focuses on the most crucial aspect: the VAT exemption on residential properties. Understand the price thresholds and how they can save you hundreds of thousands of pesos on your property investment.

Value-Added Tax (VAT)

Buying a home in the Philippines? Learn about the 12% Value-Added Tax (VAT) on real estate. Our 2025 guide explains the current price thresholds, how VAT can significantly increase your property’s cost, and its impact on your down payment and housing loan. Be a smart, informed homebuyer and avoid surprise charges.