Understanding Your Options
When buying a condominium in the Philippines, you'll often choose between pre-selling and ready-for-occupancy (RFO). Each has distinct advantages depending on your goals, timeline, and financial situation.
Pre-Selling Advantages
Lower entry prices — typically 20–40% below market value. Flexible payment terms spread over 24–60 months with minimal monthly equity. Strong capital appreciation by the time of turnover. The ability to select preferred unit floors and orientations.
Pre-Selling Considerations
Delivery timelines typically 3–5 years away. Rendered images may differ slightly from final finishes. Developer track record matters significantly — always research completion history.
RFO Advantages
Move in immediately — ideal if you need housing now or want to start earning rental income right away. What you see is what you get. Bank financing is easier to arrange on RFO units.
Our Recommendation
For investors with a 3–5 year horizon, pre-selling offers the best entry price and capital appreciation potential. For end-users who need to move in soon, or investors wanting immediate rental income, RFO is the practical choice.