Question 1

Are there pre-owned DMCI condo units available for sale?

Accepted Answer

Yes. Pre-owned (resale) DMCI condo units are available from owners who purchased directly from DMCI and are now selling their units. Resale units are often RFO and may come with existing furniture or appliances. Joanne Rapi can assist in finding resale DMCI units — contact +63 955 812 1448 or fill out the form at dmcihomesbyjoannerapi.com/get-started.html.

Question 2

Are resale DMCI condos cheaper than buying directly from DMCI?

Accepted Answer

It depends. Some resale units are priced below current DMCI prices (especially older RFO stock), while others are priced at a premium for desirable floors, views, or furnished condition. Resale units may also require additional transfer fees (~3%–5% of the sale price). A proper price comparison with current DMCI pricing is recommended before deciding.

Question 3

What are the additional costs when buying a resale DMCI condo?

Accepted Answer

Resale DMCI condo purchases typically incur: Capital Gains Tax (6% of higher of zonal value or selling price, paid by seller), Documentary Stamp Tax (~1.5%), Transfer Tax (~0.5%–0.75%), and Registration Fees (~0.25%). The buyer typically pays DST, transfer tax, and registration fees — total roughly 2%–3% of the purchase price. CGT is negotiated between buyer and seller.

Question 4

How do I buy a resale DMCI condo unit?

Accepted Answer

To buy a resale DMCI condo: (1) Find a unit through a licensed broker like Joanne Rapi; (2) Agree on price and terms with the seller; (3) Sign a Deed of Absolute Sale; (4) Pay transfer taxes and secure a new Title (Condominium Certificate of Title); (5) Register with DMCI Homes for membership transfer and HOA. The entire process typically takes 30–90 days.

Question 5

Can I use bank financing to buy a resale DMCI condo?

Accepted Answer

Yes. Banks offer housing loans for resale DMCI condo purchases. The loan amount is typically 80%–90% of the appraised value, with 10–20 years term. You will need a bank appraisal of the unit. Pag-IBIG Fund also accepts resale condo purchases. Joanne Rapi can refer you to banks offering competitive housing loan rates.

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