The Complete Property Transfer Checklist for Philippine Buyers

Title transfer is where most property purchases slow down or fall apart. Not because the process is impossible, but because it involves five government agencies, four document types, and deadlines that are easy to miss if you are doing it for the first time.

Here is the sequence our documentation team follows for every transaction. First, secure the notarized Deed of Absolute Sale and compute the Capital Gains Tax (6%) and Documentary Stamp Tax (1.5%) due to the BIR. Both must be paid within 30 days of notarization to avoid surcharges.

Next, file at the BIR Revenue District Office covering the property’s location. You will need: the notarized deed, the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), tax declaration, tax clearance from the LGU, and proof of payment of both taxes. The BIR issues the Certificate Authorizing Registration (CAR) — this is the document that unlocks the next steps.

With the CAR in hand, pay the Transfer Tax at the provincial or city treasurer’s office (typically 0.5–0.75% of selling price). Then proceed to the Registry of Deeds to cancel the old title and issue the new TCT or CCT in the buyer’s name. Finally, update the tax declaration at the Assessor’s Office. Total government fees outside of taxes: ₱3,000 to ₱8,000 depending on location and title type.