Buying pre-selling means you keep paying rent and equity for the 3–5 years until turnover — then move in and take on the loan. This calculator models both phases honestly, so you see the real rent you'll pay versus the equity you'd build, and the exact year buying pulls ahead. Tuned for Cebu.
01 — Your situation
Tell us where you stand today
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₱5K₱150K
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₱1M₱20M
Pre-selling lets you pay the down payment (equity) in small monthly installments while the tower is built — you keep renting until turnover, then move in and the bank / Pag-IBIG loan takes over. Pick RFO now for a ready-for-occupancy unit you'd move into right away.
3 yrs25 yrs
Total time horizon from today — including the years you'll still be renting during construction.
Rent increase / yr
%
Home appreciation / yr
%
Loan interest / yr
%
Loan term (from turnover)
yrs
Ownership costs / yr
%
Buying costs (one-time)
%
If renting, savings earn / yr
%
Ownership costs = association dues + real property tax + maintenance, starting at turnover. Buying costs = taxes & transfer fees, paid at turnover — compute the exact figure →
We'll send your personalized rent-vs-buy report plus a shortlist of Cebu pre-selling & RFO condos you could own for around this monthly payment — so your money builds your equity, not your landlord's. Free.
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⚠️ A simplified estimate to guide your decision, not financial advice. To be fair to renting, it assumes you invest the money you'd save by renting (the equity installments during construction, then any monthly difference) at the rate you set — if you don't actually invest it, buying comes out further ahead. Figures are before selling costs and taxes, and assume steady rent growth, appreciation and interest. Ask Patrick (PRC-licensed REB) for a personalized run — free.
Do I still pay rent while my pre-selling condo is being built?
Yes — this is the part most calculators miss. With pre-selling you pay the down payment (equity) in small monthly installments over the 3–5 year construction period, and you keep renting your current place until turnover. Only when the unit is turned over do you move in, stop renting, and start the bank or Pag-IBIG loan. Set the equity period above to see how those overlapping years affect the math.
Is it better to rent or buy in the Philippines?
It comes down to how long you'll stay. Rent is money you never get back; equity and amortization build ownership while the property appreciates. Past your break-even point — often 4 to 7 years after turnover — buying usually leaves you ahead. The extra years of paying rent and equity together before you move in push break-even a little later, which is exactly what the equity period models.
How much down payment do I need for a condo in Cebu?
Pre-selling units typically need 10%–20% equity spread over construction; ready-for-occupancy or bank-financed purchases usually need about 20% down. Estimate the loan that starts at turnover with the Mortgage Calculator.
I'm an OFW — can I buy with a small down payment?
Yes. Pre-selling condos let you spread the equity over construction while you're still earning abroad, and Pag-IBIG or bank financing covers the balance at turnover. Message Patrick and we'll map out a plan that fits your remittance.
Next step
Stop paying off your landlord's condo.
Tell us your budget and where you want to live. As a PRC-licensed brokerage we'll match you to pre-selling and ready units you can actually afford — and handle the financing paperwork for free.