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Owning a Philippine Home

House and Lot

Owning a Philippine Home

The Philippines, being a tropical country, is one of the most revered countries for expatriates who would like to have a piece of paradise as their second home. A small island in the southern part of this region is Cebu, it is quite popularly known as the “Queen City of the South.” This is because it is the capital of trade and industry in this part of the country. It is the second most popular city in the Philippines, next to Manila, the capital of the country. Its buzzing city life and pristine, white sand beaches, sumptuous local delicacies, inspiring historical landmarks and genuine hospitality all have made this island quite popular among investors. As a matter of fact, several condominiums, luxury hotels, low-cost housing, IT hubs, and other major infrastructures are being developed as this article is being written. All of which are just some of the reasons why more and more foreigners come to this place to reside permanently. The best way for an interested investor to find the perfect property in Cebu is to look for it online.

Although there may be limitations in property ownership among foreigners, especially a house and lot for sale such as 88 summer breeze development in Cebu but there are several ways to get around it, legally. One would be for a foreigner to marry a Philippine citizen. This method is easy, but can cause problems should the couple end up filing for annulment (since divorce is not allowed in the country). Another way to have full control of properties in the Philippines is to form a corporation with Filipinos as the other shareholders of the company. The foreigner will then need to convince them to stand up as the other investors for the corporation. Another option that is less cumbersome for an investor is to come to the Philippines as an officially sanctioned immigrant like a retired individual or investor. He will then need to place a substantial amount of money in a time deposit in another currency in the country.

Vacation Property

38 park avenue

Buying a Vacation Property

Do you want to buy a vacation property or a second home? If so, here are some guidelines for buying smartly.

First, search the internet for condos for sale cebu to see what condos or available and then find out if the property is really an ideal vacation home. It is a valuable real estate if it is easy to get to, if it has access to water, and if you can build your own septic tank there. You may need to consult the agencies that deal with these matters and may even have to get permits. This could take time and a lot of hard work, so be prepared for it. Of course, since this is a vacation property you are getting, it must be your ideal getaway. Make sure then that the surroundings and the community are acceptable to you.

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Once you have chosen the right place, such as 38 Park Avenue it is now time to go about the purchasing process. The first question you should ask yourself is whether you can afford the place or not. If you intend to buy it with a mortgage, undergo a pre-approval process to avoid wasting your time. Also, it is a rule of thumb to pay for housing costs that are only a third or less of your overall income. If you have to pay more, then the place is not affordable for you. Additionally, if you are buying your second home for investment purposes, make sure it is a property that appreciates. Keep all these things in mind and purchase the vacation home only if you are sure that the property will not lead you to financial trouble.

Travel Insurance

pioneer direct life insurance

Secure Health While Travelling

Health is very important to each and every individual. This is because people use only one body to perform all the many different tasks in order to survive life. That is why a lot of people are very conscious about their health and will even do anything to ensure that they are in the best shape possible. For people who are travelling to other places like the Philippines, Thailand, France, or wherever, it is important for them to secure an international health insurance policy, due to the fact that ordinary health insurance policies are most likely to not be accepted in whichever country you will be travelling to. Basically, there are two types of international health insurance policies: the expatriate and travel insurance policies. Both of which provide sickness and accident coverage with differences on the duration in which a plan holder will be covered. For life insurance Cebu contact Pioneer Direct for a really great policy

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Travel insurance perfect for those people who will only be travelling for a short period of time. This should include trip interruption, loss of luggage and emergency medical procedures or treatment. On the other hand, expatriate insurance is more suitable to people who are travelling for some time. This type of policy costs more, but is renewable. There are a lot of companies online offering international health insurance policies. However, before investing in one, you should first clearly identify your needs as this will be necessary in picking the policy which will be most suitable to you. Moreover, an international health policy will ensure any traveller a certainly worry free vacation wherever he wishes to go. A traveler may also consider health insurance and life insurance as a separate policy if the travel insurance is limited

Things To Do In Cebu City


Top 5 Things To Do In Cebu City, Philippines

Cebu, the leading tourist spot in the Philippines, is the place for all those who wish to spend their vacation in a city full of contemporary and top class facilities. Although the city can boast of its urban nature, unlike Manila, it is an excellent location with lesser traffic, safety issues as well as other inconveniences which definitely ensures healthy living in Cebu. If you would like to enjoy a vacation or to live in the Philippines you simply cannot ignore Cebu.

If you want to look at what property for sale Cebu the click the link to find some of the best and cheap condos for sale Cebu.

In the subsequent paragraphs, we have mentioned 5 things that you can do during your Cebu Island vacation.

  1. Whale Shark Watching

This has gained huge popularity recently. Here you will find approximately twelve whale sharks that you can either watch from land or pay an additional 200PHP to see them close up by going out on the boat. In case you are quite brave, you may also swim with these creatures after jumping in the water although only after you have been given directions on how to behave while you are in the water. It will really be a memorable as well as unique experience.

  1. Pay a visit to Magellan’s Cross

After arriving in the Philippines, Magellan initially landed in Cebu where he introduced the Filipinos to the Catholic religion. The cross happens to be its symbol and it is presently in a church near the Basilica Minore del Santo Niño in Cebu. Although some believe that the original cross has been missing for many years it is actually stored in a case to safeguard it from the devotees.

  1. Enjoy gastronomy at popular eateries

Everyone loves scrumptious food. You certainly do not like to starve while enjoying the fantastic destinations in the city. Satisfy your taste buds with delicious gastronomy from different nations like Italian, Japanese, Chinese, Persian and Korean food amongst others. If you happen to dine out with somebody who is not from this city, do not allow him or her to return home without sampling Cebu’s Lechon.

  1. Attend the Sinulog Festival

Cebu is well-known in the Philippines for its noisy and vibrant Sinulog festival. The visitors flock the city on the 3rd Sunday of January to experience the celebration of Christianity which is actually dedicated to the child Jesus.


  1. Diving and snorkeling

The islands of Cebu are full of marine life and one must go in and have a dip. Moalboal, a popular diving location, will simply leave anyone amazed with its spectacular coral reefs. Moreover, the diving and snorkeling lessons for the newbies are quite affordable! Swimming with 1000s of sardines in the Pescador island will not be a bad idea after all.

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