Documents Vault

Every ERBC transaction lives and dies on paperwork. Reservation → CTS → SPA → HDMF takeout → DOAS → BIR CAR → DST → TCT → Tax Declaration. Each step tracked by buyer, timestamp, and regulator. Download, e-sign, route to notary — all from here.

Overall paperwork completion

31%

14 of 45 documents registered · 5 active transactions

Complete / titled

In progress

Awaiting regulator

⚠

Next priority action

BIR-CAR for Rolando Flores — Pending at BIR RDO 14 (20625d ago)

All transactions click any doc to view, download, or advance stage

TXN-00014 🇭🇰 Marlon Bautista 12F-201

started 20673d ago · 89% complete

📝

RES

Registered

📄

CTS

Registered

✒️

SPA

Registered

🏦

HDMF

Approved

🤝

DOAS

Registered

🏛️

BIR-CAR

Registered

💳

DST

Registered

🔑

TCT

Registered

📋

Registered

RES ₱30k reservation, BDO OTC
SPA Notarized at PH Consulate Hong Kong
HDMF Loan takeout letter dated 2026-03-10

TXN-00018 🇬🇧 Rolando Flores 12F-202

started 20651d ago · 33% complete

📝

RES

Registered

📄

CTS

Registered

✒️

SPA

Registered

🏦

HDMF

Approved

🤝

DOAS

Signed

🏛️

BIR-CAR

Submitted

💳

DST

Submitted

🔑

TCT

Draft

📋

Draft

SPA Notarized PH Embassy London
BIR-CAR Pending at BIR RDO 14
TCT Awaiting CAR release

TXN-00021 🇶🇦 Jennifer Villanueva 5F-201

started 20631d ago · 11% complete

📝

RES

Registered

📄

CTS

Notarized

✒️

SPA

Submitted

🏦

HDMF

Draft

🤝

DOAS

Draft

🏛️

BIR-CAR

Draft

💳

DST

Draft

🔑

TCT

Draft

📋

Draft

SPA Pending PH Embassy Doha notarization

TXN-00022 🇵🇭 Joseph Manalo 5F-202

started 20626d ago · 11% complete

📝

RES

Registered

📄

CTS

Signed

✒️

SPA

Draft

🏦

HDMF

Draft

🤝

DOAS

Draft

🏛️

BIR-CAR

Draft

💳

DST

Draft

🔑

TCT

Draft

📋

Draft

SPA Local buyer — SPA not required

TXN-00023 🇸🇬 Divina Mercado 12F-101

started 20627d ago · 11% complete

📝

RES

Registered

📄

CTS

Signed

✒️

SPA

Submitted

🏦

HDMF

Draft

🤝

DOAS

Draft

🏛️

BIR-CAR

Draft

💳

DST

Draft

🔑

TCT

Draft

📋

Draft

SPA Pending PH Embassy Singapore

Document lifecycle (Philippine real estate standard)

📝

RES — Reservation Agreement

Buyer reserves a unit with non-refundable fee (₱20-30k typical).

📄

CTS — Contract to Sell

Binding contract — buyer commits to pay equity + HDMF, developer commits to transfer title.

✒️

SPA — Special Power of Attorney (OFW)

OFWs sign this at the PH embassy so a local rep can execute documents on their behalf.

🏦

HDMF — Pag-IBIG Loan Application + Takeout

Pag-IBIG evaluates income + Pag-IBIG contributions; on approval, issues a loan takeout letter.

🤝

DOAS — Deed of Absolute Sale

Transfers ownership once full payment is cleared (cash or HDMF loan taken out).

🏛️

BIR-CAR — BIR Certificate Authorizing Registration

BIR clears the sale for title transfer after capital gains + DST are paid.

💳

DST — Documentary Stamp Tax Receipt

1.5% documentary stamp tax on the gross selling price, paid to BIR.

🔑

TCT — Transfer Certificate of Title

New title issued by Registry of Deeds under the buyer's name.

📋

TD — Tax Declaration

City assessor updates the real property tax record.