philippines flag

Philippines Gross Domestic Product

philippines flag

14% of the Philippines’ Gross Domestic Product are remittances from overseas Filipino workers, making them as the largest contributors to the Philippine economy. Remittances of OFW reaches to 20,116,992 in thousand US Dollars wherein 15,776,576 for land based and 4,340,416 for sea based. This is based on the 2011 Bangko Sentral ng Pilipinas statistics. In 2012, approximately 80% of the remittances came from only 7 countries—United States and Canada, the United Kingdom, UAE and Saudi Arabia, Singapore, and Japan.

Among occupation groups, the remittance sent by professionals comprised the largest remittance amounting to 24.8 billion pesos or an average remittance of 109 thousand pesos per OFW. Laborers and unskilled workers, and plant and machine operators and assemblers remitted an amount of 19.6 billion pesos and 19.0 billion pesos, respectively. The male OFWs remitted a total amount of 81.21 billion pesos while the female OFWs 38.94 billion pesos.

There are more male OFWs (51.7% of all OFWs) than female OFWs (48.3%). The OFWs in age group 25 to 29 years comprised the largest group with 24.1 percent of the total OFWs, followed by those aged 30 to 34 years with 22.3 percent.

Nurses, engineers, accountants, and other professionals are inadequately paid in the Philippines. Even for skilled workers, such as housemaids and other laborers are well-compensated in abroad than the professionals in the home country.

They send money to their parents who don’t work or own family for their needs, school fees of siblings, repair of house and more.


Property Ownership Guide Foreigners in the Philippines


As a foreigner, or non-Philippine national, you cannot legally own a piece of land in the Philippines in your own name. You can lease a Privately-owned, titled piece of land for 25 years, renewable for another period of 25 years upon mutual agreement of both lessor and lessee. Commercial land can be leased by foreigners for 50 years initially with the possibility of an additional 25 year extension.

A foreigner can own a building, but not the piece of land where the building is put on. So you can rent the land for 25 years and build a house on it which you actually do own. The local real estate laws differ somewhat from those of your home country, so be sure to employ the services of local legal counsel if you decide to pursue property ownership in this beautiful island paradise.

Additional information:

1. A foreigner can own up to 40% of a condominium project, while the remaining 60% has to be Filipino-owned.

2. You can own a unit in a condominium, but as stated above, only 40% of the units in any given condominium may be sold to foreigners.

3. Foreign nationals or corporations may completely own a condominium or townhouse unit. To take ownership of a private land parcel, residential house and lot, or commercial building and lot, foreign nationals or corporations should form a Philippine corporation. The corporation can be 40% foreign-owned (maximum) and 60% Filipino-owned (minimum), and must have at least five (5) incorporators total. The standard distribution our members report utilizing is to divide the 60% Filipino portion of the ownership interest between five Filipinos equally, making six individuals with interest in the corporation. This means that as the owner of 40% of the corporation, you will only require the consent of one Filipino member of the corporation in order to exert effective control over the property.


Real estate sales transaction or closing costs include the following.

Documentary Stamp Tax – P5.00 per P1,000 of contract price, or it may derived based on zonal value/fair market value, whichever is higher.

Transfer Tax – P5.00 per P1,000 of contract price, or zonal value/fair market value, whichever is higher.

Registration Fee – P1.50 per P1,000 of contract price, or zonal value or fair market value, whichever is higher.

The Seller is legally responsible for transaction closing cost of capital gains tax. This is Philippine Real Estate Law, and the buyer is not legally obligated to cover these costs.

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Living in the Philippines

Cost of Living in the Philippines

Living in the Philippines

The Philippine economy has been growing steadily at an average annual rate above 6% for the past 5 years. Its economy ranks as the 35th largest economy in 2015 by the International Monetary Fund in terms of purchasing power parity.

Most of the foreign people who visited the country for a trip or vacation enjoyed staying in the Philippines. They are hesitant to return in their homeland. Residing in the Philippines throughout their life is the best option they would like to consider. Despite the problems you watched in the news programs or read in international or local newspapers, the Philippines still retains as the most favored country to reside. Why is this so? Probably, the freewheeling, affordable and easy lifestyle of the country that lets you experience opulent way of living. Because of this, the country is often voted as one of the most livable cities in Asia. Your quality of life will get even better once you live in the Philippines.

house in the beach

Foreign men may not own a land but they can rent/own a house. House rentals vary from place to place. Rentals in thriving Metro Manila cities are far by the highest in the country whereas in regional areas can be significantly low-priced. The type of residence you want to live also plays an important factor. You can choose numerous options from high-end subdivisions, mid-range apartments to cheap lodging inns. It will normally range around $ 1000 USD (expensive unit) and $40 USD (low-cost unit) per month. Most of the units for rent that is located in an upscale place are already equipped with modern facilities and complete furniture. If you want to have your own furniture and appliances in your rented unit, a $3000 allocated money for furniture & appliances can fill your empty house to a contemporary and luxurious way of living.

Philippine foods

Even though there is an inflation of basic commodities but your dollar can stretch and has a long way to go. Your $500 budget per month can make a huge difference when you shop for food compared with what you would pay way back home. There are numerous good quality department stores and supermarkets where you can buy any products from imported goods to local ones.


The minimum transportation fare in Jeepneys and tricycles only cost around 7pesos. Moreover, an additional 1 peso charge is added per kilometer of your travel. Jeepney is the most common form of public transport throughout the many islands of the Philippines. For shorter distances, people ride on tricycles and multi-cabs. Ride on buses for long trips to the provinces, and make use of taxi’s, but of course more expensive. Taxi fare is 40 pesos flag down rate and 3.50 pesos for every succeeding 500 meters.

filipina girl

About Philippine Women

filipina girl

The Philippine women have unique beauty and figure. It is known that the Filipina girls are one of the most beautiful women throughout the world. That lovely, exotic beauty. Usually petite, slim, brown / suntan skin and dark long hair. They have unique features in their beauties because the Philippines is of diverse culture and the coming of Americans, Spaniards, Japanese, and Chinese contributed that factor.

A Philippine woman is very dedicated to her family, close to relatives and have high respect to elders. Filipina girls and women usually live with their parents until they get married. Some families allow their siblings to live with the parents even they have their own wife, husband and children. Thus, living a very extended family. The advantage is, they can all support each other and give help in times of need. But this closeness also has a disadvantage. When a Philippine woman gets married, her husband supports not only his wife and children but also her parents, sisters and brothers.

Philippine women are religious. The common religion is Catholic and going to church on Sundays is a norm. They are obedient to parents and husbands. If a girl marries a man of another belief, she can easily take his belief because a Filipina bride is ensured she must obey and follow her husband. In this generation, more Filipinas choose foreigners as husbands. Europeans and American men easily gets attracted to Philippine women, and the sincere, honest foreigners always wins the heart of the girls than the Filipino men.

philippine woman

Women in the Philippines have always enjoyed greater equality in the society. Education and literacy levels in 2008 were higher for women than for men. The basic literacy rate among females is 96.1% while 95.1% among males.

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Philippine Islands

Facts about the Philippines

The Philippines is an island country in the Southeast Asia located on the Western Pacific Ocean between the Philippine Sea on the east, South China Sea on the west, and Celebes Sea on the south. It lies in the Pacific Ring of Fire and is composed of more than 7, 107 with a total estimated land area 316,000 square kilometers or 122,000 square miles.

The Philippines is an archipelago and divided into three major islands: Luzon (in the north), Visayas (center) and Mindanao (south). These are divided into 18 regions, 81 provinces, 145 cities, 1,489 municipalities, and 42,029 barangays.

Philippine Islands

The Philippines has a tropical climate that is usually hot and humid. There are three seasons such as summer (March to May), rainy (June to November) and cool-dry season (December to February). Sitting astride the typhoon belt, most of the islands experience annual torrential rains and thunderstorms from July to October.

Population is more than 100 million and still growing faster, the country was named as the seventh-most populated country in Asia and the 12th most populated country in the world. Plus the 12 million Filipinos overseas who are a significant contributor to the economy. In 2012, Filipino Americans sent 43% of all remittances sent to the Philippines, totaling to $10.6 billion USD.

Philippine archipelago

Filipino culture is a mixture of Spanish and American cultures but it has also been influenced by Chinese, Japanese and Islamic cultures. According to the 2000 census, 28.1% of Filipinos are Tagalog, 13.1% Cebuano, 9% Ilocano, 7.6% Bisaya/Visayans, 7.5% Hiligaynon, 6% Bikol, 3.4% Waray, and 25.3% as “others”. The Filipinos / Filipinas was also tagged as one of the happiest people in the world. Known as being closely knit and very hospitable and value family ties.

The Philippines has a simple literacy rate of 95.6%, with 95.1% for males and 96.1% for females. The Philippines has a functional literacy rate of 86.45%, with 84.2% for males and 88.7% for females in 2008. Literacy in females is greater than in males. English and Filipino (Tagalog) are the official languages of the Philippines.

Philippine Economy

The Philippine economy has been growing steadily over decades, one of the emerging markets reported as the 39th largest economy in the world. However, its growth has been behind that of many of its Asian neighbors. Most of the following statistics are sourced from the International Monetary Fund – Philippines (as of 2012; figures are in US dollars unless otherwise indicated).

GDP – purchasing power parity: $751.770 billion (2015)
GDP – real growth rate: 5.6% (Q2 2015)
GDP per capita purchasing power parity: $6,985.680 (2014)
GDP nominal: $330.259 billion (2015)
GDP per capita: $2,913.344 (2014)
GDP – composition by sector:
agriculture: 11.2%
industry: 31.6%
services: 57.2% (2013 est.)

The Filipinos are quick adopters of mobile technology. Dubbed as the “Texting capital of the world.” Smartphone penetration in the Philippines is rated at 40% for 2015 and is seen to rise to about 70% by 2018. For 2016, smartphone users is estimated to reach 29.9 million. The mobile networks provide more than 99% coverage of population. Smart Communications and Globe Telecom are the two leaders in the mobile market.

The Philippines has a democratic government in the form of a constitutional republic with a presidential system. The latest election happened May 9, 2016, with Rodrigo Duterte as the newly elected president with an estimated 40% of the 54 million votes. His presidential term will begin on June 30, 2016. He is the incumbent Mayor of Davao City, a Filipino lawyer, politician and the 16th President-elect of the Republic of the Philippines.

(Credits to Wikipedia.)

Cebu School

The Real Cost of Education in the Philippines (K-12)

Education System in the Philippines

As early as 5 years old, a Filipino child starts schooling as a Kindergarten, where they learn the basic program like the alphabet, numbers, shapes, colors, with song and dance in mother tongue dialect, English and Filipino. This is a prerequisite and prepares the children for the primary education.

Cebu School

The Philippines’ basic educational system has been restructured to the K to 12 Program. This enhances the competitiveness of the Filipino graduates to excel in their selected skills, professions and careers.

The K to 12 Program covers 13 years of basic education with the following key stages:
– Kindergarten 1 & 2, to Grades 1 to 3
– Grades 4 to 6
– Grades 7 to 10 (Junior High School)
– Grades 11 and 12 (Senior High School)

For a detailed information about K to 12 Program, please visit the government website

Philippines School

Philippine public schools do not charge tuition fees. However, you pay for your child’s school supplies, uniform, school projects, activities, meals and transportation.

The common cause of a child to drop out of school is poverty. Due to poverty and financial reasons, many high-school graduates cannot proceed to college, which contributes to about 15 million out-of-school youth, according to the Philippine Business for Education.

University of San Carlos Cebu

Average tuition fees in Cebu college levels depends on the school, courses and subject units they take. More or less it starts from Php18,000.00 ($400) on competitive average schools to Php50,000.00 ($1,111) on top universities for one semester. Payment for tuition and other school fees may be done in full at the time of enrollment or by monthly installment.

Daily expenses for a student run approximately $4 per day, this includes jeepney or bus fares, internet cafe and lunch. Students who lives far in the province usually rents a bed space or boarding house near the school. This cost about 1,000 pesos to 3,000 pesos per month, including light and water. Every year, colleges and universities increase their tuition fees without prior notice so parents really need to have prepared funds.

Higher education institutions in the Philippines are either colleges or universities, and classified as public or private. Colleges are tertiary institutions that typically offer one or a few specialized courses, for example, in the sciences or in liberal arts, or in specific professional courses, such as Nursing, Computing, or Maritime Studies. Couple

K1 Fiancee Visa Application couple

The US immigration term for a fiancee visa is a K-1 visa. Now, it requires that the foreign fiancee either marry the U.S. citizen who sponsored her within 90 days of her arrival in the U.S. or depart the U.S. prior to the termination of her 90 day fiancee visa. These are the fiancee’s only two options. The K1 visa cannot be extended beyond 90 days and it cannot be changed to some other visa, such as a tourist, student or work visa. Any violation of these rules will result in deportation and, in many cases, a bar from re-entering the U.S. for a period of 3, 5 or 10 years even if the foreign fiancee marries another American.


a. The petitioner must be a United States citizen.
b. Both parties are legally free to marry.
c. The marriage will take place within 90 days of the fiancé(e) entering the United States on the fiancé(e) visa.

U.S. citizens who wish to bring their fiancé(e) to the United States on a K visa must first file a petition with USCIS in the United States.

The K visa does not automatically grant U.S. citizenship or lawful permanent resident (LPR) status to the beneficiaries. Those who qualify for K visas will be able to join their partners in the United States as a non-immigrant, without the potentially long period of separation during the petition process. Once married, they will need to adjust their immigration status in the United States to become lawful permanent residents. couple

The length of time it takes to receive an approval for the adjustment of status Green Card application varies among the local USCIS offices from 75 days to 1,138 days. Most USCIS offices are in the 4-12 month range. Many fiancees want to have the right to work and to travel outside of the United States while their adjustment of status application is waiting to be approved. The times for approval of the temporary work authorizations and for travel permission are scattered from 1-120 days, with most offices taking approximately 30 days.

For more legal information about K-1 Visa, please refer to the embassy website

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Why Retire in the Philippines?


The Philippines is a good retirement location for Foreigners. The country is famous for the rich culture, friendly and hospitable people, natural attractions and tropical climate.

The Filipinos can speak and understand some English so communicating will not be a big problem between the retirees and the people.

Beach in the Philippines

The lower cost of living is also an important factor for retirement in the Philippines. Your hard-earned money will go a long way. Many retired foreigners in the Philippines are living off a $1,000 per month. You can hire a house helper for $5 a day.

Cost of rent can range from Php10,000 to Php15,000 per month in regional cities. This can go up to Php50,000 if you prefer to live in Manila or in popular places near commercial areas.

Province in the Philippines

Internet connection in the Philippines is not as fast as in your country, but it’s quite reliable if you are in the major cities. Outside it, internet access gets slow and not reliable. Mobile and cellphone coverage are reliable.

Public transport options are jeepney, taxi and bus in the city. For narrow roads and short distance trips, you can ride a tricycle or bicycle. Take taxi’s if you plan to go to places for cheap.

Philippines Travel

West 35 Eco Resort

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Filipina dating

Libingan ng mga Bayani

Heroes Cemetery

Libingan nga mga Bayani

Heroes’ Cemetery or locally known as “Libingan ng mga Bayani“, is a national cemetery within Fort Bonifacio (formerly the American Fort William McKinley) in Western Bicutan, Taguig City, Metro Manila, Philippines.

Libingan ng mga Bayani
Libingan ng mga Bayani

Heroes Cemetery

It was first established on May 1947 as the Republic Memorial Cemetery, as a fitting tribute to the Filipino men and women who brought honor to the country and fought for the sake of freedom and democracy.

Libingan ng mga Bayani

President Ramon Magsaysay renamed it to Libingan ng mga Bayani on October 27, 1954.

Libingan ng mga Bayani

It has become the resting place for Filipino heroes and martyrs, deceased military personnel, Filipino veterans, former Philippines presidents such as Elpidio Quirino, Carlos P. Garcia and Diosdado Macapagal, government dignitaries, statesmen and national artists.

Libingan ng mga Bayani

As of October 2003, there are 43,592 remains interred at the Libingan Ng Mga Bayani and this includes the 32,268 remains of military personnel who died in Capas, Tarlac.


Banking in the Philippines

Banking in the PhilippinesBonifacio Global City (Taguig City, Philippines)

The Banking System in the Philippines is slightly different to that in other countries. The Philippine Peso (Php) is the official currency. Notes come in denominations of 20, 50, 100, 200, 500 and 1,000 pesos. Coins are issued in 5, 10 and 25 centavos, then 1 peso, 5 and 10 pesos.

Opening a Bank Account in the Philippines
For Foreign nationals, opening a bank account is possible. You must visit the bank personally with the necessary documents that the bank may require. Mostly, they require you to have an Alien Certificate of Registration Identity Card (ACR-I Card). You can get that at the nearest Immigration Office. Banks may also require you to present your passport, another valid ID and a proof of fixed address such as a utility bill in the Philippines, not necessarily on your name.

Foreign nationals and expats are often advised to use a bank that has branches internationally like HSBC and Citibank, which have branches in the Philippines. Local banks are fine and accessible to most of the shopping malls and city areas across the country. If you make more international transfers, it’s best to choose banks like HSBC and Citibank.

Online Banking
Internet banking is available through most major national and international banks. You can view your account balance, make money transfer (on same bank company), and pay bills. Some major banks include Citibank, HSBC, Bank of the Philippine Islands (BPI), Metrobank, Banco De Oro (BDO), Philippine National Bank, Union Bank of the Philippines, Landbank, Eastwest Bank and many others.

Banking Hours
Banks are open from 9 am to 3 pm on business days. There are banks that open on Saturdays from 10am to 2pm like Metrobank. BDO bank branches in shopping malls are open everyday from 10am to 7pm.

ATM Limits and Charges
Banks have different charges and limits. Here’s a general idea of the fees.

Balance Inquiry Fees
Same bank’s ATM = Php0
Other bank’s ATM = Php1 to Php2.50 per transaction

Withdrawal Fees
Same bank’s ATM = Php0
Other bank’s ATM = Php12 to Php15 per transaction

Maximum Payout per transaction is 10,000Php to 20,000Php.

Maintaining Balance
This depends on what type of account you opened. Most banks with savings account has a maintaining balance of 500 to 3000 pesos.