Overview
In the Philippines, the process of transferring property ownership is a crucial step in real estate transactions such as buying or selling a property, inheriting land, or making changes to property ownership. Traditionally, this involved navigating through various government offices and enduring lengthy queues. However, with the advent of digitalization, the Land Registration Authority (LRA) now offers an online platform for requesting Transfer Certificate Of Title, making the process more convenient and efficient. In this blog post, I will guide you through the process of requesting a Transfer Certificate Of Title (TCT) in the Philippines via online of LRA (Land Registration Authority) eSerbisyo web portal.
Understanding Land Registration Authority (LRA)
The Land Registration Authority (LRA) in the Philippines is a government agency responsible for managing and overseeing the registration of land titles and related documents in the country. In short, it is the central repository of all land records including registered and titled lands. Its primary goal is to provide a secure and efficient system for registering land ownership and interests, ensuring the protection of property rights and promoting land tenure security.
Understanding Transfer Certificate Of Title (TCT)
Before diving into the request process, let’s clarify what a Transfer Certificate Of Title is. In the Philippines, land titles are registered under the Torrens System, which aims to provide a secure and reliable system of land ownership and registration. The CTT is the legal instrument used to transfer ownership of land or property from one party to another, making it an important document in real estate transactions.
The amount of real property tax you need to pay is based on the assessed value of your property. This assessed value, which is stated on the Tax Declaration of your real property, is determined by the local government’s assessors and is often calculated using factors like the property’s size, location, market value, and improvements. It’s important to note that assessed values can vary from year to year, so your real property tax payments might fluctuate as well.
According to Local Government Code of 1991, Section 233 (Rates of Levy), the Real Property Tax (RPT) is calculated according to following rates:
- 1% of the assessed value of property in the province
- 2% of the assessed value of property within Metro Manila
Therefore, the RPT formula is: RPT = Percentage Rate x Assessed Value.
Requirements To Request Your Transfer Certificate Of Title
Before we request our document online, let’s prepare the following pre-requisite items:
- Computer or Smart Phone with Internet
- Total Processing Fee of Php 721.35:
- Title Number of your Property
Once all of your requirements are complete, let’s proceed to the request process:
Steps On How To Request For Transfer Certificate Of Title Online
Step 1
First, proceed to eSerbisyo online web portal of LRA using this link and click the REQUEST NOW button.
Step 2
If you haven’t done this before, it’s likely you haven’t created your account yet so let’s proceed with the registration by clicking Register button.
Step 3
Then on the User Registration page, simply fill up all necessary information asked then tick the Privacy Policy box to agree on the Terms & Conditions of LRA prior to clicking the Submit button.
Step 4
After clicking the Submit button, your registration will be completed. However you need to activate it. To do so, just click the Close button and open your registered email add to click the activation link sent.
Step 5
After clicking the link, you will be redirected to an OTP window wherein you need to input your received OTP via SMS or email prior to clicking the Submit button. After submitting the correct OTP, your email will be successfully validated. Then just click the click here! button to proceed with our request of CTT.
Step 6
Now we can start to Login to LRA eSerbisyo Portal using our newly created Username and Password. Just login to your account and fill up the OTP prompt window next.
Step 6
On the LRA main page, select and click Request for Certified True Copy.
Step 7
Then under the Request for Certified True Copy page click the Add Title button.
Step 8
On the next window similar below, fill up the necessary request according to your needs and information then click the Save button.
Step 9
Your saved request is now ready to be processed. Just click the Submit Request button to continue.
Step 10
Before proceeding to the next window, kindly read the statements prompted similar below for your confirmation then click Proceed button.
Step 11
Then just click Yes button to confirm forwarding for your payment as well as clicking the Ok button to finish the transaction.
Step 12
Now your application status is still pending for payment. To proceed with the payment, just click the Make Payment button.
Step 13
Next, select your payment options then click the Make Payment button. (Here I selected the Debit Card option but you can select your preferred payment channel)
Step 14
Then I input my Debit Card details and click the Complete Order. (From here, the procedure you may see might different from yours depending the payment channel you selected)
Step 15
Then to authenticate the transaction, a generated OTP sent to my mobile phone needs to be filled in this section before clicking the CONFIRM button.
Step 16
And Voila! Your requested document, the Transfer Certificate of Title (TCT), now has an application status of Paid. Simply sit back and wait for the Land Registration Authority (LRA) to deliver your requested document to the address you provided.
Step 17
After Fifteen (15) days, LBC has delivered to me my requested document from LRA.
Most Frequently Asked Questions:
What is the Breakdown of Payment?
Below is the breakdown of the total amount I paid for this document to LRA:
What Are The Other Titles Can Be Requested from LRA Online?
You may
- Original Certificate Of Title (OCT)
- Condominium Certificate Of Title (CCT)
How Much is the Shipping Fee?
The fees charged already include the shipping cost for delivery addresses located anywhere within the Philippines.
What Is The Estimated Timeframe For Receiving The Document?
- Metro Manila – 3-5 working days after payment
- Other Cities/provinces outside of Metro Manila but within the Philippines – 5-7 working days after payment
Be reminded that an additional 5-7 working days will be necessary for manually-issued titles, as this involves validating the physical Government copy in the respective Registry of Deeds. You can monitor the status of your request via the “My Request” page.
Final Thought
The transition to online Transfer Certificate Of Title marks a significant milestone in the modernization of property registration processes in the Philippines. By leveraging digital technology, individuals can now initiate and monitor transfer requests with ease and efficiency. Whether you’re a property buyer, seller, or inheritor, embracing online services offered by the LRA streamlines the transfer process and ensures the seamless transition of property ownership.
And now that I have obtained the Transfer Certificate of Title for my property, which confirms my name as stipulated in the contract to sell with SPA between the house developer and Pag-IBIG Fund, I can now rest assured that the transaction for my property was legally executed.
Now that you know how to request your TCT from LRA via online, let’s delve more into other pertinent matters concerning your property
Here’s my personal insight about which category your property falls into like an investment, an asset or liability:
House & Lot: An Investment, An Asset or A Liability?
Here’s a guide to know how much you can borrow from Pag-IBIG:
How Much Can You Borrow From Pag-IBIG Housing Loan?
Here’s how to pay your Real Property Tax (RPT)
Guide To Paying Your Real Property Tax In The Philippines
Salamat mga Ka-Butingting! If you find this post helpful, please share it with those who also might benefit from it. And don’t hesitate to share it too to your social media networks. God Bless!
