How to Buy Ayala Land Property From Abroad: A Step-by-Step Guide

By Romeo R. Coros Jr., Licensed Real Estate Broker (PRC Lic. No. 37297) · Updated October 2026

You don't need to fly home to buy a condo in Makati or a lot in Nuvali. Many of my clients in the US, UK, Japan and Singapore have bought Ayala Land properties entirely from abroad. Here is how the process works, step by step.

First, can you buy?

Philippine law limits who can own land, so it's worth checking your situation before choosing a property.

If you're married to a foreign national or your citizenship status is unclear, ask me before you reserve. It affects how the property should be titled.

The buying process, step by step

1. Choose your project and get the latest price list

   Decide whether you want a home for your family, a rental investment, or a lot to build on later. I'll send you the current price list, available units and sample payment computations for the projects that fit your budget and goals.

2. Take a virtual tour

   I can arrange video calls, walkthrough videos and photos of the model unit, the amenities and the neighbourhood, so you know what you're buying without being there.

3. Reserve your unit

   Reserving secures your chosen unit and its price. You sign a reservation agreement and pay a reservation fee, which usually counts toward your total price. Your unit is held only once the developer has received the payment.

4. Submit your documents

   Requirements vary by project, but you'll typically need:
   • A valid passport or government ID (with proof of dual citizenship, if applicable)
   • A Philippine Tax Identification Number (TIN). I can guide you if you don't have one yet
   • Proof of address abroad
   • Proof of income, if you're applying for financing

5. Choose how to pay

   Common options include:
   • Spot cash: pay in full, often with a discount
   • Spot down payment: pay the down payment upfront and the balance through financing
   • Staggered down payment: spread the down payment over monthly instalments during construction
   • Financing: bank financing, in-house financing or, for members, Pag-IBIG
   Payments are made by international bank transfer or other channels the developer accepts.

6. Appoint someone you trust in the Philippines (optional but helpful)

   A Special Power of Attorney (SPA) lets a family member or trusted person sign documents and handle errands for you. If you sign the SPA abroad, it usually needs an apostille from the country where you sign it, or acknowledgment at a Philippine embassy or consulate.

7. Sign your Contract to Sell

   Once your down payment and documents are in order, you sign the Contract to Sell, which sets out your payment terms and the developer's obligations.

8. Turnover and title

   When the property is complete and fully paid, or financing is released, the unit is turned over to you or your representative. Title transfer to your name follows, along with the related taxes and fees.

Tips for buying from overseas

• Mind exchange rates. If you earn in USD, GBP, JPY or SGD, small currency moves change your monthly payment in pesos. Set aside a buffer.
• Plan for costs beyond the price. Ask about move-in fees, association dues, taxes and title transfer costs so there are no surprises.
• Think about who will manage the property. If you plan to rent it out, decide early whether family or a property manager will handle tenants.
• Keep digital copies of everything. Contracts, receipts and IDs, safely stored and shared with your representative.

Still choosing a location? Read Makati vs BGC: Where Should OFWs Invest?

This guide is general information, not legal or tax advice. Requirements, payment terms and fees differ by project and can change, so confirm the details for your chosen property with the developer, and consult a Philippine lawyer for questions about ownership, citizenship or taxes.