How to verify a property listing in the Philippines (and avoid scams)

Online property scams are common in the Philippines: fake listings, stolen photos, and "agents" who vanish after collecting a reservation fee. Use this checklist before parting with any money.

1. Confirm the listing is owner- or PMO-verified

On PhilHomeX, a gold Verified badge means the title-deed name matched the owner's ID (owner-verified), and/or the property management office confirmed it (PMO-verified). Unverified listings can still be genuine, but verified ones carry far less risk.

2. Match the title to the seller

Ask for the TCT (Transfer Certificate of Title) or CCT (Condominium Certificate of Title). The registered owner's name should match the person you're dealing with — or there should be a notarized Special Power of Attorney (SPA).

3. View it in person

Insist on a viewing at the actual unit. Reverse-image-search the photos; recycled stock or other listings' photos are a red flag.

4. Watch for pressure tactics

• "Pay a reservation fee today or you'll lose it"
• Prices far below the area's market rate
• Refusal to meet in person or show documents
• Requests to pay to a personal e-wallet before any paperwork