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TCT vs. CCT: Know Your Titles Before You Bid

TCT vs. CCT: Know Your Titles Before You Bid

Decoding the Auction Catalog You are looking at the spreadsheet of properties and you see a column labeled “Title Type.” It says TCT for one, and CCT for another. If you don’t know the difference, you might buy a property you can’t own. TCT (Transfer Certificate of Title) The Rule: You must be a Filipino […]

Decoding the Auction Catalog

You are looking at the spreadsheet of properties and you see a column labeled “Title Type.” It says TCT for one, and CCT for another. If you don’t know the difference, you might buy a property you can’t own.

TCT (Transfer Certificate of Title)

  • What it is: Ownership of the Land and the Structure.
  • Used for: House and Lots, Vacant Lots, Townhouses (usually).

The Rule: You must be a Filipino Citizen to be named on a TCT. Foreigners cannot own land in the Philippines.

CCT (Condominium Certificate of Title)

  • What it is: Ownership of the Unit (Air Space), but not the land itself.
  • Used for: Condominiums, Office Units, and some “Condo-Townhouse” developments.

The Rule: Foreigners CAN buy CCT properties (up to 40% of the building).

Why It Matters in Auctions

If you are an expat looking to bid, stick to the CCT column. If you are a Filipino investor, TCT offers land ownership which typically appreciates faster than condo units.

Always check the column before you raise your paddle.