AVYSA Properties

AVYSA Properties “This page provides insightful guidance for your real estate investments tailored to your unique needs - from luxury estates to cozy starter homes.”

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Selecting the right Realtor can be challenging. I take pride in putting my clients' needs and desires first, ensuring they become informed market experts. My commitment is to always act in the best interest of my clients, while staying at the forefront of real estate industry trends. If you're looking for a professional who can guide you in identifying new opportunities, I am ready and eager to assist. Let's connect today.

28/12/2025

99 Year Land Leases And What They Mean For Housing

The new 99-year land lease law is a quiet game changer. It makes the Philippines more attractive to long-term investors who want stability and clear rules.

As more manufacturers and global companies look at Central Luzon and nearby growth corridors, one thing follows: jobs. Where jobs go, housing demand follows.

That is why subdivisions, townhouses, rental units, and small condos in these growth areas can benefit in the next few years. Workers will need places to live. Managers will look for communities near industrial parks. Service businesses will rise around them.

If you are thinking of buying to rent out, keep an eye on areas with new industrial estates and logistics hubs.

Opportunity loves preparation. The time to study these locations is before everyone else sees the boom.

28/12/2025
I am for House Bill 6568. Abolishing estate tax protects heirs from being financially burdened at a time of grief, preve...
10/12/2025

I am for House Bill 6568. Abolishing estate tax protects heirs from being financially burdened at a time of grief, prevents the forced sale of family properties, speeds up property transfer, reduces family conflict, and promotes economic activity. It allows Filipino families to fully enjoy the fruits of their parents’ hard work without government-imposed financial punishment after death.

08/12/2025

WHAT HAPPENS TO REAL ESTATE WHEN THE DOLLAR DIES?

People keep asking me:
“Robert, what happens to real estate if the dollar collapses?”

The answer is simple:

Real estate doesn’t crash when a currency dies.

The currency crashes INTO real estate.

Let me show you what I mean.

CURRENCIES DIE. LAND DOESN’T.

When a currency collapses, people don’t stop needing:

- A place to live
- A place to work
- A place to store goods
- Land to grow food

What changes is how many units of the dying currency it takes to buy those things.

- The building doesn’t disappear.
- The land doesn’t disappear.
- The need doesn’t disappear.

What disappears is the purchasing power of the paper used to measure it.

That’s the key idea most people miss.

WHAT HAPPENED IN WEIMAR GERMANY WHEN THE CURRENCY COLLAPSED…

In the early 1920s, Germany’s currency (the Papiermark) went into full hyperinflation. By late 1923, prices were doubling every few days.

People who held cash were wiped out.
People who held hard assets — land, factories, real estate — survived or even came out far ahead.

One industrialist, Hugo Stinnes, borrowed heavily in Papiermarks and used the money to buy hard assets: coal mines, factories, shipping, land.

As the currency collapsed, his debts became worthless in real terms while his assets rose in value relative to the collapsing mark.

The lesson historians draw is simple:
“Durable, real assets don’t lose value the way paper money does during hyperinflation.”

Real estate didn’t “go to zero.”
The currency went to zero against real estate.

THE SAME THING HAPPENED IN ZIMBABWE…

Zimbabwe has battled repeated episodes of extreme inflation and currency collapse.

What happened?

Confidence in the local currency vanished.

People started pricing real estate in U.S. dollars instead of local money. Most serious property transactions are now done in dollars because nobody trusts the domestic currency.

At the same time, property — especially in major cities — became a store of value for those who could afford it.

In many cases, real estate prices surged in local-currency terms as people tried to escape the dying money.

Again:

The houses didn’t die.
The currency did.

AND HERE’S WHAT HAPPENED IN ARGENTINA…

Argentina has lived with high inflation for decades. In 2023, official inflation passed 200%.

What did people do?

They started pricing and trading real estate in U.S. dollars. In Buenos Aires and other cities, property listings are often quoted in dollars to escape the chaos of the peso.

Nominal prices in pesos can look crazy. But the underlying reality is this:

- The peso keeps collapsing
- The apartment is still there
- The dollar price of decent property is far more stable than the local currency

Once again, the same pattern:
Currency unstable, real estate persistent.

SO WHAT DOES THIS MEAN FOR THE DOLLAR AND YOUR REAL ESTATE?

I’m not saying nothing bad can ever happen to property.

Governments can:

- Raise taxes
- Change regulations
- Attack landlords
- Destroy financing markets

And if you buy wrong — bad location, bad debt, no cash flow — real estate can hurt you in any environment.

But history is very clear on one thing:
“When paper money dies, real things don’t disappear.
They just get re-priced in more and more units of that dying paper.”

That’s why, in every serious currency crisis, people run out of cash and into assets:

✅Land
✅Buildings
✅Farmland
✅Productive businesses
✅Commodities

The question isn’t, “Will real estate survive if the dollar weakens?”

The better questions are:

- What kind of real estate?
- In what markets?
- With what kind of debt?
- With what kind of cash flow?

Because when a currency declines:

- Cash melts
- Savings erode
- Fixed-rate debt shrinks in real terms

Useful, well-located real estate tends to hold value relative to real goods and stronger currencies

❌You don’t protect yourself from a weak currency by clinging to the currency.

✅You protect yourself by owning things the currency is measured against.

So when people ask me:
“Robert, what happens to real estate when the dollar dies?”

My answer is:

The same thing that’s happened every time a currency has died.

- Paper burns.
- Land remains.

The smart move isn’t to fear that reality.

It’s to understand it, prepare for it, and position yourself on the side of real assets — not just paper promises.

- ROBERT KIYOSAKI

07/12/2025

𝗙𝗶𝗹𝗶𝗽𝗶𝗻𝗼 𝗛𝗼𝗺𝗲𝘀 𝗶𝘀 𝗵𝗼𝗻𝗼𝗿𝗲𝗱 𝘁𝗼 𝗯𝗲 𝗿𝗲𝗰𝗼𝗴𝗻𝗶𝘇𝗲𝗱 𝗮𝗰𝗿𝗼𝘀𝘀 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗰𝗮𝘁𝗲𝗴𝗼𝗿𝗶𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗪𝗼𝗿𝗹𝗱 𝗕𝗲𝘀𝘁 𝗣𝗹𝗮𝗰𝗲𝘀 𝘁𝗼 𝗪𝗼𝗿𝗸 𝟮𝟬𝟮𝟱 𝗔𝘄𝗮𝗿𝗱𝘀.

These awards reflect one simple truth. Our strength has always been our people.

To our employees, partner real estate brokers, appraisers, and thousands of dedicated salespersons nationwide: 𝘵𝘩𝘢𝘯𝘬 𝘺𝘰𝘶. Your hard work, passion, and commitment to serving Filipino families made this achievement possible.

This recognition is more than a milestone.
It's a reminder of the culture we continue to build together. One rooted in teamwork, inclusion, learning, and doing our best work every day.

Here's to more opportunities, more growth, and a future shaped by the people who make Filipino Homes what it is today.

07/12/2025
07/12/2025
24/11/2025

What Is a Reconstituted Title?

A reconstituted title is a replacement copy of a land title that has been lost or destroyed in the Office of the Register of Deeds (RD).
It is reconstructed not because ownership changed, but because the RD’s original copy (the “Original Title” or “OCT/TCT on file”) can no longer be produced due to loss, fire, calamity, or deterioration.

Reconstitution is governed primarily by:
• RA 26 (An Act Providing a Special Procedure for the Reconstitution of Torrens Titles)
• LRA Circulars and related jurisprudence

The purpose is to restore the RD’s records so that the land remains within the Torrens system and can continue to be the subject of valid transactions.



Difference Between: Reconstituted Title vs. Original Title vs. Owner’s Duplicate Certificate

1. Original Title (OCT/TCT on file with the RD)
• This is the official copy kept by the RD.
• It is the primary evidence of land registration.
• All annotations (liens, encumbrances, adverse claims, mortgages, etc.) appear here.

2. Owner’s Duplicate Certificate
• This is the copy issued to the registered owner.
• It must match the RD’s original copy; otherwise, the RD will not allow registration of deeds (sale/mortgage).
• No transaction can be registered without surrender of the owner’s duplicate.

3. Reconstituted Title
• This is a restored copy of the RD’s original title, produced only when the RD’s copy is lost or destroyed.
• May be obtained judicially (court petition) or administratively (LRA/RD procedure) depending on circumstances.
• It is not the same as an owner’s duplicate and not proof that the owner’s duplicate was lost (these are separate situations).
• A reconstituted title can be questioned or attacked in certain cases, especially if obtained through fraud, unlike an original OCT/TCT which is indefeasible.



How Reconstituted Titles Can Be Used for Fraud

Fraudsters sometimes:
• File spurious petitions to reconstitute titles supposedly “lost in a fire,”
• Use fake documents to obtain a reconstituted TCT,
• Then sell the property to innocent buyers.

This is why due diligence is crucial.



Remedies Available to Buyers Who Are Defrauded

A buyer who purchases land relying on a fake, void, or fraudulently reconstituted title has several remedies. These remedies depend on whether the buyer is in bad faith or an innocent purchaser for value (IPV).

1. Civil Action for Annulment of Sale or Reconveyance

The buyer may file for:
• Annulment of Deed of Sale
• Rescission
• Cancellation of title
• Reconveyance to the rightful owner, if the buyer is the defrauded original owner
• Recovery of the purchase price from the seller (damages)

2. Action for Damages against the Seller (Art. 19, 20, 21 and 1170, Civil Code)

The buyer may recover:
• Actual damages (purchase price paid, improvements made)
• Moral damages (if deceit is proven)
• Exemplary damages (if fraud is gross and deliberate)
• Attorney’s fees

The seller is liable for fraud, breach of warranties, or bad faith misrepresentation.

3. Criminal Actions

The seller may be charged with:
• Estafa (Art. 315, RPC) – if the seller pretended to be the owner
• Falsification – if fake titles or forged deeds were used
• Use of falsified documents – if fraudulent ownership documents were presented
• Other special laws (e.g., RA 8239 if passport/IDs forged; RA 10175 if digital forgery used)

This is often the most effective leverage.

4. Petition to Annul or Cancel Reconstituted Title

If the fraudulent reconstituted title was used:
• A petition under RA 26 or a Rule 47 Petition for Annulment of Judgment may be filed.
• Courts can declare the reconstitution void if it was based on forged or fake documents.

5. If the Buyer is an Innocent Purchaser for Value (IPV)

If the buyer is in good faith and relied on a clean title:
• The true owner may still recover the land unless the title was already registered in the name of the IPV through a valid (though fraudulent) transfer.
• However, the IPV is protected by the Torrens system and may recover indemnity from the Assurance Fund.

6. Claim Against the State’s Assurance Fund

Under the Property Registration Decree, an IPV may claim:
• Up to full compensation equal to the value of the land lost
• Plus damages suffered due to the wrongful issuance of title

This applies only when:
• The buyer was in good faith,
• The title was issued through error or fraud,
• And the buyer is unable to recover from the actual wrongdoer.



Practical Advice / Due Diligence for Future Buyers

Before buying land, always check:
1. RD’s certified true copy (latest)
2. Tax declaration and real property tax history
3. Survey plan (blueprint with tie point)
4. History of transfers
5. Actual site inspection
6. Check if the title is reconstituted
• If yes, require court order or LRA reconstitution order
• Inspect basis documents used in reconstitution
7. Ask neighbors and barangay officials
8. Demand the “Owner’s Duplicate” and compare it to the RD’s CTC

Protecting the Integrity of Land Titles
23/11/2025

Protecting the Integrity of Land Titles

Court of Appeals Associate Justice Jose Lorenzo R. dela Rosa, a member of the Remedial Law Department of the Philippine Judicial Academy, discusses key issues on land titles and the steps buyers should take before acquiring properties in Episode 95: Protecting the Integrity of Land Titles.

What is a reconstituted title, and how is it different from the original title or the owner's duplicate? What remedies are available to buyers defrauded by sellers?

This week's podcast is available on Spotify, Apple Podcasts, YouTube, Facebook, and the website.

Spotify: https://open.spotify.com/episode/4NcLjdE0axrvAej7wGMueu?si=8BzkNdj4QIufZoL1glN-Ow

Apple Podcasts: https://podcasts.apple.com/ph/podcast/episode-95-protecting-the-integrity-of-land-titles/id1852172756?i=1000737742658

YouTube: https://youtu.be/KRcs30UAwwQ

Facebook: https://www.facebook.com/share/v/1MuvG4RZ8s/

SC website: http://sc.judiciary.gov.ph/podcasts/

DOWNTOWNE PREMIER RESIDENCES at Mapa St., Davao City.Didn’t get a unit at Tower 1? Here’s your second chance!We are now ...
24/10/2025

DOWNTOWNE PREMIER RESIDENCES at Mapa St., Davao City.

Didn’t get a unit at Tower 1? Here’s your second chance!
We are now accepting LOI for TOWER 2.

Down Payment: 12,000 per month (step-up)
Turnover: 2029

Don’t miss the opportunity to own a smart, stylish home right in the heart of Davao City’s most desirable location near GMall and at the back of Landers Superstore.

Message now and secure priority access — enjoy the advantage of choosing your ideal unit ahead of everyone else.



28/09/2025

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