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Transfer Tax & Buying Cost Calculator

Estimate all government fees and taxes when buying property in the Philippines. Enter the selling price and location to get an itemised breakdown.

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Estimated Costs

₱117,500

Total buyer costs

Documentary Stamp Tax (1.5%)₱75,000
Transfer Tax (0.5%)₱25,000
Registration Fee (~0.25%)₱12,500
Notarial Fee (~0.1%)₱5,000
Capital Gains Tax (6%) — seller₱300,000
Grand total (buyer + seller)₱417,500

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What costs are involved in buying property in the Philippines?

When buying property in the Philippines, the total transaction costs typically range from 7–10% of the purchase price. These are split between buyer and seller, though the allocation can be negotiated in the Deed of Sale.

Buyer typically pays: Documentary Stamp Tax (1.5%), Transfer Tax (0.5% Metro Manila or 0.75% elsewhere), Registration Fee (~0.25%), and Notarial/Legal fees (~0.1–0.25%).

Seller typically pays: Capital Gains Tax (6% of the higher of selling price or BIR zonal value). For primary residences, CGT exemption may apply under certain conditions — consult a real estate lawyer.

Note: This calculator provides estimates. Actual fees depend on your municipality's local ordinances, the BIR zonal value of the property, and any applicable exemptions. Always verify with the relevant government offices.

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