Overseas buyers are prime targets for property scams because they cannot easily visit the site. The good news: most scams fail a few simple checks. Use this guide before you send a single peso.
Red flags to watch for
- Pressure to pay immediately because “only one unit left”
- Prices far below similar projects nearby
- Payment to a personal bank account, GCash or e-wallet instead of the developer’s official account
- No official receipt, or a receipt that does not match the account paid
- Refusal to put terms, computation and unit details in writing
- Agent who cannot show a broker license or whom they work under
How to verify an agent or broker
Real estate service practitioners in the Philippines operate under licensed brokers regulated by the Professional Regulation Commission (PRC). Ask for the broker’s name and PRC license number, then check it with the PRC’s verification channels. Salespersons should be able to tell you which licensed broker they are accredited under. For reference, my own PRC license number is 0028079, and you are welcome to verify it.
How to verify a developer and project
Projects for sale generally need to be registered and have a license to sell issued by the Department of Human Settlements and Urban Development (DHSUD). Ask for the registration and license-to-sell details, and confirm them with the agency. Also research the developer’s completed projects, and visit them if a relative can.
Safe payment rules
- Pay only to the developer’s official account, in the developer’s name
- Confirm account details with the developer directly, using contact information you found independently
- Always get an official receipt and keep screenshots of every transfer
- Never pay “processing fees” to individuals
Check the paperwork before signing
Read the reservation agreement and contract to sell fully. Look for the unit number, price, payment schedule, turnover date and cancellation or refund terms. If something is unclear, ask for it in writing, or consult a lawyer.
If you think you have been scammed
Stop paying, keep all records, and report to your bank, the PRC or DHSUD as appropriate, and the police cybercrime unit. Act quickly, because speed improves your chances of recovery.
Frequently asked questions
How do I check if a Philippine property agent is real?
Ask for the broker’s PRC license number and verify it with the PRC. Confirm the agent is accredited under that broker.
Is it safe to send a reservation fee online?
Only if it goes to the developer’s official account, confirmed independently, and you receive an official receipt.
What agency regulates property developers in the Philippines?
The Department of Human Settlements and Urban Development (DHSUD) handles registration and licenses to sell for subdivision and condominium projects.
Keep reading
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Book a free call with Je · WhatsApp +63 917 617 3375 · ursos.roger@ayalaland-intl.com
Roger “Je” Ursos is a licensed Philippine real estate broker (PRC License No. 0028079). This article is general information, not legal, tax or investment advice. Property prices, terms and government rules change, so always confirm current details before you commit.