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Selling a home with a Pag-IBIG–financed buyer? The paperwork can get confusing fast—conditional terms, loan takeout, title transfer, and taxes. This guide simplifies everything and gives you contract to sell PAG IBIG sample forms in word you can download and edit right now.
You’ll learn what a Contract to Sell (CTS) is, how it differs from a Deed of Absolute Sale, and why Pag-IBIG lenders often ask for a conditional Contract to Sell – PAG-IBIG pending loan approval. We’ll also walk through the sections you must include: property description, purchase price and payment schedule, financing condition, delivery/turnover, title transfer, taxes and fees, default and remedies, and notarization. To keep you moving, we added a checklist, a comparison table, practical examples, and voice-search ready FAQs. When you’re ready, grab the free Contract to Sell PAG-IBIG Word template and customize it in minutes.
The basics of a Contract to Sell (CTS)
CTS vs. Deed of Absolute Sale (H2)
Contract to Sell: Conditional sale—ownership passes after full payment or loan takeout. Ideal for Pag-IBIG cases.
Deed of Absolute Sale: Executed once fully paid; title transfer follows immediately.
A CTS reflects common real estate contract practice: conditions precedent, obligations, and closing deliverables are stated to reduce disputes. For broad background on how these agreements work, see the general overview of real estate contracts.
Why a conditional CTS matters (H2)
Protects both parties while the Pag-IBIG housing loan Contract is being processed.
Clarifies who pays which taxes/fees and when possession shifts.
Sets timelines for documents and provides an exit if financing is denied.
Key sections to include (with examples)
Parties & property identifiers (H2)
Include (H3):
Full legal names/addresses/IDs of Seller and Buyer
Project/subdivision/condo, unit or house & lot, block/lot numbers
Floor/lot area, property address, Title No./Tax Declaration No.
Inclusions (e.g., parking slot, fixtures)
Example:
“Project: Riverside Residences, Unit 12-C, Floor Area 38 sqm, Address Mandaluyong City, Title No. T-2025-12345.”
Price, reservation, down payment (H2)
Total price in words and figures
Reservation/earnest money and whether it’s refundable
Down payment schedule and receipts
Tip: Use exact calendar dates to avoid confusion.
Conditional Contract to Sell – PAG-IBIG (H2)
State that the agreement is a Conditional Contract to Sell – PAG-IBIG.
Make completion subject to loan approval and takeout.
Add what happens if the loan is denied (resubmit/appeal/alternative financing/unwind with fair refunds).
Delivery, title transfer, possession (H2)
Turnover after takeout/full payment and document completion.
Cooperation to transfer title and annotate the Pag-IBIG mortgage if applicable.
Risk of loss and insurance assignment after delivery.
Taxes, fees, and closing costs (H2)
Allocate capital gains/withholding, documentary stamp, transfer/registration costs.
Clarify HOA dues/utilities and cutoff dates.
Voice-search friendly: “How do I fill a contract to sell PAG IBIG sample forms in Word?”
Download the file, fill parties/IDs and property details, state price and schedule, add the financing condition, spell out turnover and title transfer, allocate taxes/fees, include default clauses, then sign and notarize.
Step-by-step checklist (from offer to takeout)
Download the template — Use our contract to sell PAG IBIG sample forms in word below.
Fill parties & property — Copy exact details from the title/tax declaration.
Set price & timeline — Reservation fee, down payment, and balance via Pag ibig contract to sell free download pdf (convert later).
Add the financing clause — Make completion subject to Pag-IBIG loan approval/takeout and pre-takeout requirements.
Define turnover & title — Delivery after takeout/full payment; cooperation on title transfer/annotation.
Allocate taxes/fees — State clearly who pays what; collect official receipts.
Sign & notarize — Notarization is commonly required for property filings.
Create a PDF binder — CTS, IDs, receipts, and Pag-IBIG downloadable forms for submission.
Quick comparison table
| Section | What it does | Verify before signing |
|---|---|---|
| Parties & IDs | Identifies Seller and Buyer | Names match valid IDs |
| Property block | Binds the exact asset | Title/Tax Dec. numbers |
| Price & payments | Confirms consideration | Words & figures align |
| Financing clause | Makes sale conditional | Approval/takeout dates |
| Delivery & title | Turnover and transfer | Keys/docs/annotation |
| Taxes & fees | Cost allocation | BIR/LGU deadlines |
| Default/remedies | Failure scenarios | Fair refund limits |
| Notarization | Document integrity | Correct notary block |
Sample wording you can adapt (copy/paste)
Conditional financing
“This is a Conditional Contract to Sell – PAG-IBIG. Completion is subject to BUYER’s Pag-IBIG housing loan approval and takeout. If the Loan is denied despite diligent compliance, the Parties shall resubmit, agree on alternative financing, or unwind the sale with refunds subject to documented costs.”
Delivery & title
“Upon loan takeout/full payment and completion of requirements, SELLER shall deliver possession and cooperate to transfer title to BUYER, including mortgage annotation in favor of Pag-IBIG as required by law.”
Download your editable Word file
Use as Contract to Sell PAG-IBIG Format Download, then export as SAMPLE Contract to Sell PAG-IBIG PDF for filing. You can also save as Contract to Sell Format for internal records.
👀👉👉[🔗 Download]
FAQs (voice-search ready)
How is a Contract to Sell different from a Deed of Absolute Sale?
CTS is conditional (pending financing or milestone). DOAS is executed once fully paid and title can be transferred immediately. See real estate contract basics for context.
Can I use this template for bank loans instead of Pag-IBIG?
Yes. Replace the lender references. The structure works for most mortgage takeouts.
Is notarization required?
Notarization strengthens enforceability and is typically required for registry/filing.
Where can I learn more?
Read general overviews of mortgages and real estate contracts to understand liens, title transfer, and conditions precedent.
Pro tips for a smooth closing
Use calendar dates (not “within 30 days”).
Keep a running payment ledger and attach official receipts.
Prepare a closing checklist one week before takeout.
Scan everything to PDF and back it up securely.
Confirm BIR/LGU documentary timelines early.
Conclusion
A clear contract to sell PAG IBIG sample forms in word protects both parties from offer to loan takeout. Start with precise property identifiers, spell out the price, and make the sale conditional on Pag-IBIG approval. Define turnover and title-transfer steps, allocate taxes/fees, and include practical default and remedy language. Notarize and keep scanned copies for your Pag-IBIG packet.
Ready to finalize your paperwork? Download the Word template, customize it today, and follow the checklist above. If your situation involves special cases (co-owners, inherited titles, unusual payment structures), have a licensed professional review the final document. Share this guide with buyers and sellers who need a Contract to Sell PAG-IBIG Word file—good documentation prevents costly surprises.