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00:01.8
So, I'm happy to be back again
00:04.0
and without further ado
00:05.9
we will continue with our
00:07.7
discussion. Ang topic po natin ngayon
00:12.3
session natin ngayon
00:13.9
February 12, 2024
00:15.6
is regarding po ito doon sa
00:18.3
estate tax amnesty natin
00:21.3
2025 na lang next year
00:23.5
and then maraming nagre-reklamo sa akin
00:27.5
hindi talaga computer ng
00:29.3
BAR kapag walang extra
00:31.2
judicial settlement. Kasi na-discuss
00:34.7
kahit na walang extra judicial settlement
00:38.4
bayaran. Hindi lang ma-issue
00:41.2
natin ng e-car. Kaya lang
00:43.2
ang sadya ng batas is that
00:45.3
para babayaran ito
00:47.2
gawa lang po tayo ng tiyatawag natin
00:50.9
of estate tax, ito yung E-T-E-R
00:53.8
and para sa sworn statement
00:55.6
ito yung ina-narrate natin doon
00:56.9
kung ano yung mga assets
00:58.3
and ano yung mga properties
01:02.2
estate na decedent. Para yun po
01:04.9
ang bayaran natin. Kung merong
01:06.9
hindi na-declare, that will be
01:08.9
the subject to another estate tax.
01:10.7
Hindi ka na maaring, hindi ka na maka-apply
01:13.0
for the amnesty kung maglapaso na
01:14.7
sa 2025. So what I'm trying to say
01:17.2
is pwede po wala talagang
01:19.1
extra judicial settlement or
01:20.6
affidavit of subjudication. Marami na po tayong
01:22.9
videos niyan kasi may mga
01:24.9
heirs na nag-aaway, hindi nagkakaintindihan
01:28.3
nangyayari is that kailangan pong
01:32.8
ng estate for the meantime.
01:34.9
Estate tax para hindi
01:36.4
mag-a-bail po tayo ng
01:38.4
amnesty. At the same time,
01:42.1
ang estate tax. At the same time,
01:44.4
ang government is makalikom po
01:46.0
ng taxes. Yan po ang purpose
01:48.4
ng estate tax. In fact,
01:50.2
ang batas po natin dyan na
01:52.1
pwedeng walang extrajudicial settlement,
01:54.0
ito pong yung talagang batas natin.
01:56.6
Republic Act No. 11,
02:00.6
extension ng estate tax
02:02.8
amnesty. Recent, no? Hanggang
02:04.7
June 14, 2025 po.
02:07.6
Ang nakasabi po dito,
02:09.1
the application for payment,
02:14.9
The application for
02:16.9
payment of estate tax
02:20.2
shall be distinct and separate process
02:22.7
from the application for
02:24.5
transfer of properties. Ano po po yung sabihin nun?
02:26.5
Separate daw. Iba.
02:28.3
Hindi sila magkatintulad.
02:30.9
Iba po ang pagbayad ng tax.
02:33.0
Iba rin po yung pag-process
02:34.3
ng transfer of tax, no?
02:36.8
Provided daw, yung pruweba
02:38.9
na may settlement ng estate, like
02:40.8
meron kang apidabit of subjudication,
02:43.3
AGS, kung pag makumply mo
02:44.9
later on, or may judicial or extrajudicial
02:47.1
settlement, saka mo na
02:48.8
submit para ma-issuan ka
02:52.7
Electronic Certificate Authorizing Registration
02:54.7
kasi yan po, sa second phase natin,
02:57.0
kailangan yan para ma-transfer
02:58.3
ang mga properties
03:01.0
dun sa mga heirs. Pero yung
03:02.8
sa first part, first step,
03:07.3
Kung hindi kayo, hindi mo
03:08.8
makuha itong mga documents na ito,
03:10.6
dahil nga, nag-aaway o hindi mo kasundoy, magkita,
03:12.9
is that you could file
03:16.7
for estate tax amnesty by filing
03:18.8
a short statement, yung
03:20.7
sworn ETAR, declaring
03:23.0
din kung ilan yung mga properties.
03:28.3
hindi man kami pinapansin nung BIR
03:30.3
kasi every time we say this,
03:32.3
and even mention your videos and everything,
03:34.4
hinahanapan kami ng AGS.
03:36.6
Ay hindi ko maintindihan, bakit ganon?
03:38.4
In other parts of the BIR, but I do not have
03:40.4
any problems here in Davao City,
03:42.7
but in other areas, no?
03:44.6
In fact, may batas na ito,
03:47.5
revenue regulation, ang BIR
03:51.7
revenue regulation number 10-23,
03:55.0
nung September 28, 2023
03:58.3
na-outline po nila, na
04:00.0
ang process nga, is that
04:02.4
separate and distinct. Tingnan nyo ha,
04:08.5
Eh o, revenue regulations
04:13.7
And, kinalaro nga dito,
04:16.4
binigyan nila dito
04:17.9
ng emphasis, yung
04:19.9
batas natin, no? Yung Republic Act
04:23.6
made a dysregulations
04:26.5
para sundin po ng
04:28.3
mga personal ng Bureau of
04:30.3
Internal Revenue, okay?
04:32.6
So, hanggang June 15, 2023
04:34.4
up to June 14, 2025.
04:36.6
Ngayon, ang issuance
04:38.5
ng Electronic Certificate Authorizing
04:40.6
Registration, kailangan na po ito
04:42.3
pag meron na po tayong prueba
04:44.1
na nakasubmit na tayo ng
04:46.0
State Extrajudicial Settlement,
04:48.7
no? Yung copy ng court order,
04:50.4
kung naging judicial or
04:51.9
Judicial Settlement of Estate,
04:54.2
or EGS or Affidavit of Subjudication, kung
04:56.3
hindi nag-aabot sa korte.
04:58.3
Ibig sabihin, pwede nga
05:00.1
ang bayaran kapag
05:01.7
ang estate tax, hindi ka lang makakuha
05:05.8
klaro po yan, Revenue Regulations
05:12.7
dinisseminate po yan.
05:14.2
At, ang naggawa po nito
05:16.2
para makita po natin, ha?
05:18.2
Okay, ang gumawa po
05:24.9
ginawa po ito ni Benjamin
05:26.2
E. Doc, joke, no? Nandito, klaro,
05:28.3
Benjamin E. Joke, no?
05:30.0
Secretary of Finance, noong September
05:31.8
5, 2023, at na-recommending
05:34.3
approval ni Romeo D.
05:36.3
Lumagi, Jr., the Commissioner
05:38.1
of Internal Revenue. Ano po ba?
05:42.0
sinasabi. Bakit hindi nyo po
05:46.0
Why is it? Is there a problem with
05:48.2
disseminating information
05:50.1
dun sa mga personals nyo in all over the
05:52.0
Philippines ng BIR, at hindi nila
05:54.0
naiintindihan na may batas na ganito?
05:56.1
Kulang po ba tayo ng dissemination process?
05:57.9
Kulang po ba tayo ng lecture or seminars
05:59.9
for those who are
06:03.7
avail of the estate amnesty? Kasi pag hindi po
06:05.7
nyo tanggapin yan, babalik po yung problema.
06:08.4
Now, Republic Act
06:09.5
11956 po, iginawa po itong last
06:11.5
estate amnesty, kasi
06:13.0
yung two amnesties natin before,
06:16.2
hindi naging masyadong effective
06:17.5
kasi, yun nga, the requirement
06:19.5
is that hindi nga sila nakakabayad
06:21.3
ng estate tax, dahil nga,
06:23.4
yung karamihan po, noong unang panahon pa,
06:25.3
nag-aaway-aaway ang ma-heirs. Hindi
06:27.3
nagkakaintindihan. So, anong
06:29.3
nangyari? Hindi na nababaya ng estate tax, kasi requirement
06:31.2
nga magawa ng AGS eh. So, nakita
06:33.4
po yan sa ikatatlong batas
06:35.1
na bakit hanggang, in fact, nagbigay na tayo
06:37.5
ng estate tax amnesty, eh hindi
06:39.2
pa rin na natin nakakabayad
06:41.4
yung lahat. Bakit? So, na-identify
06:43.3
nila ang problem. There is
06:45.3
some problem with the
06:47.0
fighting heirs, no? Sabi na sa video
06:49.1
lectures natin, hindi sila mag-aid, hindi
06:51.0
makagawa ng AGS, or hindi pa
06:53.0
natatapos yung court order. So, ginawa
06:55.2
nila dito sa batas na ito, as
06:57.3
implemented by this regulation,
06:59.2
number 10-2023 by the
07:01.0
BIR and Secretary of Finance,
07:03.6
sabi lang dito, iseperate natin.
07:07.4
ang bayad, separate ang
07:08.9
pag-transfer ng property.
07:11.5
So, pwede magbayad ng estate tax,
07:13.5
enumerate lang ng payer
07:15.2
kung ano yung mga estate,
07:17.6
ano yung mga properties. Then, once
07:19.3
nabayaran, antay na lang. Baka magkasundo
07:21.4
rito, makagawa ng AGS, or
07:22.9
Epidemic of Self-Adjudication, or
07:25.0
baka meron ng court order. And,
07:27.3
that time, pag masabit na sa BIR,
07:29.0
diyan pa lang kayo i-issuhan
07:31.0
ng Electronic Certificate
07:33.0
Authorizing Registration.
07:37.1
So, and that's the time that you
07:39.2
could use it to transfer the title
07:41.4
under the name of the
07:43.3
heirs. So, sa inyo po, no? Kung kayo po yung
07:45.2
nagpa-process. So, klaro po ito,
07:48.6
watch this and try to check,
07:51.4
no? Nandito naman ito sa ano, eh.
07:53.2
Itong Revenue Regulation Number 10-23,
07:56.1
download nyo po, e-print,
07:57.2
nyo. Makuha po ninyo yan
07:59.2
sa BIR website, no?
08:01.3
Na-post po dyan sa kanilang website.
08:03.8
Revenue Regulation Number
08:04.9
10-23, September 8,
08:09.3
po niya is simple,
08:12.6
certain provisions of
08:15.3
Revenue Regulation Number 62019
08:17.1
and implement the
08:19.2
extension of the period of the
08:21.1
availment of the estate tax under
08:23.1
Public Act Number 11956.
08:25.0
So, to implement, ito po,
08:27.2
ang ginagamit na to implement.
08:29.2
Now, I do not know what
08:31.1
happens to their information dissemination,
08:33.9
pero may nakikita naman akong
08:39.1
nga, o. Ito, revenue issuance.
08:41.7
Revenue Regulations Number
08:43.0
10-23. Mali pa ang spelling o
08:45.1
review sa regulations.
08:47.1
But, ayun, klaro,
08:49.0
ang BIR po ang nag-post nito
08:51.0
sa kanilang Facebook. Kailangan yun lang ba?
08:53.5
Dapat siguro, your personal
08:54.8
ah, your personal
08:57.2
of themselves, dapat po ma-inform
08:59.2
about this. And, paspasan po
09:01.1
ang dapat pag-explain, lalo na po
09:03.1
yung mga sa UNEP, no?
09:05.2
At saka yung mga examiners, that they
09:07.1
will be allowed as long as
09:09.0
meron pong sworn ETAR.
09:13.2
they do not know the law or they
09:14.9
refuse to follow it. Kung they
09:17.1
refuse to follow it, talaga pong
09:18.9
ayaw nila taga-gabi despite knowing about the law,
09:21.0
ayaw po, bawal po yun. Pwede po sila
09:23.2
maging liable po sa, under
09:25.0
sa ating civil service laws or
09:26.7
sa ombudsman or sa ARTA.
09:29.2
So, i-depende po yun, no? Kung talagang
09:31.2
in bad faith, ayaw talaga
09:33.1
nilang isundin. Now,
09:35.1
kung sakaling in good faith,
09:37.2
hindi talaga nila alam at hindi na-explain,
09:39.2
the best thing to do is that you go to the
09:41.1
legal officer of the
09:43.0
Bureau of Internal Revenue and present your problem.
09:45.6
Sir, ayaw po tanggapin.
09:47.4
Eto po yung Revenue
09:48.9
Regulations No. 10-23,
09:51.0
allowing separate po ang
09:52.8
transactions with respect to payment
09:54.9
at separate naman din yung
09:56.7
pag-present transfer. Ay, gusto ko magbayad lang
09:58.9
muna ngayon. Hindi ako magta-transfer kasi
10:00.7
nag-aaway pa nga kami ng mga heirs eh. Hindi pa kami
10:02.8
nagkakasundo. But I want to pay now para maka-bail
10:05.0
ako ng estate tax amnesty.
10:07.5
And then, the legal
10:08.9
officer will understand that. Usually, lawyers
10:11.0
yan sila. Oh, yes. Dapat ganito rin to.
10:13.1
Then, they will have to
10:14.4
reprimand or advise those examiners
10:16.8
downstairs that you have to accept that.
10:19.2
I-comply lang po yung
10:20.6
ETER or sworn declaration
10:22.6
or pag, may iba, nagpapagawa pa ng
10:24.7
separate affidavit yung sworn declaration.
10:26.7
Of the properties
10:30.6
dissident, no? Okay lang yan. No problem.
10:32.5
Dahil naman yan. I-enumerate naman yung mga properties
10:34.4
as far as you know. Ito ang mga
10:36.8
properties involved, no? Kasi if you
10:38.7
will not do that, if the BIR personal will
10:40.6
not accept it, magkakaroon tayo ng problema.
10:43.0
Problem in the sense that ang collection
10:44.7
na purpose po ng batas
10:46.7
is to get, no? To get money
10:52.5
ng government, 11956.
10:54.5
Hindi natin masusunod.
10:56.7
Second is that magkakaroon ng
10:58.6
injury or damage on the part of
11:00.7
the taxpayer na gusto mag-avail.
11:03.4
Now, that damage under
11:04.5
Republic Act 3019, yung Anti-Grap
11:06.7
and Corrupt Practices Act, can make
11:08.7
these people liable for, yung
11:10.4
taga-BIR, for Anti-Grap and Corrupt
11:12.7
Practices Act. And pwedeng
11:14.7
may kulong provision yan eh.
11:16.7
Huwag na lang po natin paabutin yan. Hindi ko po
11:18.7
tinatakot or sinasabi yun and everything. But
11:20.5
you have to be vigilant also.
11:23.1
Not only as taxpayers, but
11:24.6
also the BIR. It presented
11:26.7
with a certain situation na meron
11:28.7
pong regulation na ganito,
11:30.6
try to check and study. And kung hindi
11:32.5
po maintindihan, i-refer nyo sa inyong RDO
11:34.7
or i-refer nyo sa inyong legal officer
11:36.8
there, sa legal department
11:38.8
so that magkaroon po ng idea
11:40.5
kung paano nga pag-proceed nito. Because
11:42.6
that is the law. Huwag na po
11:44.8
natin antayin na magkakaroon ng problema
11:46.6
because, I know, you might
11:48.6
want to, you might not have known
11:50.7
that meron ganyan regulations
11:52.4
but once it is presented now
11:54.7
or you have, ano, you have to
11:56.7
apply that. Kasi sayang po, no?
11:58.9
Ang purpose po ng batas is to
12:00.8
let the people, no?
12:04.5
The Filipino people
12:06.3
with this one-time amnesty.
12:09.0
Pangatunan nga po ito, eh. Tapos
12:10.7
hindi pa sila makakabayad because of that.
12:13.4
So, having said that, please,
12:15.0
no? Ang akin naman po, huwag na po
12:16.7
natin pahirapan yung
12:20.6
Nandito na po yun. Nandyan na po ang
12:22.5
availment ng amnesty. Sayang po yan.
12:24.4
Let them avail. That is their right.
12:27.1
obligation to pay. And that is the right
12:30.3
granted under the law. Iba naman kasing
12:32.7
taga-personal. Minsan, magkainang
12:34.9
kwento sa akin. Pag ini-insist nga
12:36.8
nung taxpayer na, babayad po
12:38.7
kasi sabi dito sa Revenue Regulations
12:40.3
No. 10-23. Sabi po sa lecture
12:42.7
ni Atty. Batu, meron po akong video
12:44.6
dito. Hindi ako man. Umalis ka.
12:46.9
Pina pa. Pina pa. Alis pa.
12:48.7
Naiinis. Yung sent out.
12:50.6
Huwag naman po gano'n. No? Yung taxpayers
12:52.4
are actually entitled
12:56.7
told of what to do. Kung
12:58.5
meron pong pinipresent na valid and
13:00.7
legitimate claim and
13:02.6
valid and legitimate argument,
13:04.7
pakinggan po natin. So, ang akin
13:06.7
lang po din sa mga taxpayers na nakakaroon
13:08.9
ng problems na ganito, kindly
13:10.7
download that Revenue Regulations No.
13:14.9
yun sa kanila. Ag-ayaw pa rin po
13:16.8
nila din sabihin po ninyo,
13:19.1
magawa po kayo ng letter, ipareceive
13:21.0
niyo po attaching the revenue issuance
13:22.6
and tell them to deny it
13:26.7
Within a period of, urgently,
13:28.8
within a period of at least 5 days.
13:31.7
para kung i-deny talaga
13:34.7
then you could bring that up
13:36.2
to the higher authorities. Pwede po sa legal nila.
13:39.4
Meron naman din silang disciplining
13:40.7
authority. Pwede rin sa civil service. Pwede rin sa
13:42.8
ombudsman or sa anti-red
13:44.9
tape act council.
13:46.8
Okay? So, gano'n lang po. That's
13:48.8
the only remedy that we could do. Wala na po tayo
13:51.1
magawa niyan. Because
13:52.6
kung hindi tayo pinapansin or
13:54.6
sinasadyang hindi tayo pansinin,
13:56.7
or matigas talaga uro pansinin.
13:58.9
Pero, hindi ito sa buong
14:02.8
Kalat-kalat lang po ng mga other
14:04.8
regions na tumatawag sa akin,
14:07.2
nag-chat sa akin, nag-comment sa akin,
14:09.3
Attorney, this is a problem. How can,
14:10.9
what can we do? And it has been
14:12.7
recurring for quite a time. Eh, sana
14:14.7
tapos na saan ang discussion ko dito sa
14:16.6
SST Tax Amnesty. I do not
14:18.8
want to discuss more pa kasi, yun nga,
14:20.6
tapos na ako naka-discuss dito, nabigay ko na sa inyo.
14:23.1
However, ito po yung problem na
14:24.6
natatanggap ko, which I would like
14:28.3
hopefully, that makarating ito
14:30.7
sa kanila. At maliwanagan po
14:32.7
na meron po tayong Revenue
14:34.5
Regulations No. 10-23
14:36.5
Implementing Republic Act
14:38.8
119.6. Last na po
14:40.7
amnesty natin hanggang June
14:46.5
we can have this kind of
14:48.4
privilege to, you know,
14:50.7
to avail, no? Pag po
14:54.4
allow po ninyong tao
14:55.5
maka-exercise nito.
14:56.7
Mga taxpayers. Okay, thank you
15:00.4
before that, I would like to
15:02.4
to go to this, some
15:06.9
no? Or mga, well, I haven't
15:08.8
responded to so many
15:10.0
questions for a while dito sa
15:12.6
comments natin. It has been a time, long time,
15:14.8
no? Mga abot yata ko na almost
15:16.5
a month, hindi ako nakaka-live and everything. So,
15:18.6
well, sabi nila, health is wealth, so you have
15:20.6
to take care of your health. Unahin po na natin yun.
15:22.5
Now, I'm okay. So, I'm back and
15:24.6
I'm going to, habol po ako.
15:26.7
Bawi po ako sa inyo lahat ngayon dito.
15:28.9
And, sabi dito ni Ricardo
15:32.7
at any good day po, may titulo na po kami sa
15:34.6
subdivision plan, pero
15:36.6
pumasok ang porsyon ng bahay ng
15:38.5
kapatid ko sa lupa ko.
15:40.5
At nakapinaw ako ng consent, gagamitin
15:42.7
daw sa hearing sa RTC. Well,
15:44.9
ang problem, Ricardo, is
15:46.4
hindi ko alam kung ano ang
15:48.6
purpose ng kanyang pagpagawa
15:50.7
ng consent, no? Consent
15:54.1
pinayagan nyo na nakapasok siya.
15:56.7
Para po magkaroon
15:58.5
ng improvements and everything.
16:00.9
Well, that is one of the requirements usually
16:02.6
ng City Engineer's Office, no?
16:09.1
You have to ask kung ano talaga
16:11.0
ang purpose ng consent. Dapat kasi
16:12.8
kung may consent, it's an affidavit
16:14.8
form, nakalagay dun po ano ang purpose
16:16.9
para malaman po natin
16:18.7
na yun po ang sadya talaga.
16:31.4
Medyo matagal-tagal ako,
16:37.6
Hindi pa spelling.
16:44.8
Ricardo. One day ago niya ito.
16:46.9
Thank you for that question. Ito naman si
16:48.8
Lino Lasso, one day ago.
16:51.1
Thank you so much,
16:52.6
Lecture Maternity. Dahil yun,
16:54.4
talaga yun ang nangyayari sa amin. Nag-usap na po kami
16:56.6
sa barangay. At napatunayan na
16:58.7
palsipigado papel na ginamit sa pag...
17:00.9
Patitulo. Hango ito
17:02.7
sa video ng pagpanood niya nung
17:04.1
isang uri ng scam sa pag-aagaw
17:06.6
ng lupa. Ito po yung...
17:11.0
meron siyang comment or reaction
17:12.9
on that Bibdi lecture.
17:14.5
Okay. So, si Kobe575
17:16.6
regarding ito dun sa video na
17:18.6
pinanood niya na valid ba
17:20.6
ang DDoS na hindi inuntang taryado.
17:23.7
Hi, Atty. B. Good day.
17:25.7
I bought title land,
17:26.6
from air so far. At first,
17:28.8
walang problema. Nasa stage na kami
17:30.6
paying estate tax nito.
17:33.7
Dito kami na-stack
17:34.8
kasi nang kumuha kami ng certification
17:36.5
sa provincial assessor's office,
17:39.2
may lumabas dalawa ang
17:40.5
property ng owner, which is separate
17:42.6
title. Naalala ng mga
17:44.6
heirs na nung buhay pa mother nila, binenta
17:46.8
na ito. But I think hindi ito na process
17:48.6
ng buyer. I assume kaya
17:50.6
pangalan po ng original owner
17:52.9
ang lumabas na record. Ngayon,
17:54.8
gusto po ng BIR na isama ang
17:56.6
gano'n na yan sa isang property kung ano ang
17:58.5
June estate. Well, alam niyo po, ganito yan.
18:01.8
The thing about estate
18:02.8
tax, kung maraming properties po
18:07.0
land owner, ang isang decedent, yung
18:08.7
namatay, tapos bibilihin mo lang isa
18:10.8
doon from the heirs. Lahat po
18:12.8
ng estate tax na yan babayaran.
18:15.3
Now, the only way
18:16.8
to know whether or not ano ba kadami
18:18.9
ang properties is that to get
18:20.7
a certificate of total landholding from
18:22.6
the assessor's. That's what happened to you.
18:26.6
city assessor's office na meron
18:28.8
pa pang lang ibang properties yung napagbilan
18:31.0
mo. And allegedly, sabi nila
18:33.0
na ibenta na ito. Bakit hindi pa na
18:34.7
process na transfer? Now, if
18:36.8
you could look to that, look for
18:38.8
that buyer na nakabili noon at first,
18:41.0
no problem. Maka-share
18:42.9
siya ng estate tax. At least naman ma-process
18:44.7
ng kanyang property, di ba?
18:46.7
Now, the problem here is that
18:48.7
if hindi na makontakt at
18:50.7
hindi na process, well, we have no choice but to
18:52.8
pay for the estate tax.
18:55.2
Idamay po yun. Mababayaran po.
18:56.6
Anyway, kung sakaling
18:58.7
baka covered ito sa estate tax
19:00.8
amnesty, eh, baka-baka mabura
19:02.7
kayo. Isama nyo na po. Wala po kayong choice.
19:04.6
Otherwise, hindi po kayo ma-issue ng e-card niya
19:06.5
ng BIR pag hindi nyo bayaran. Now,
19:08.6
since you made already an extrajudicial settlement
19:10.5
with estate for that property,
19:12.8
tapos nakita ng BIR na meron pa
19:14.6
palang property, so ano ba ang
19:16.5
gagawin yan? Gagawa po kayo ng tinatawag nating
19:18.3
addendum. Addendum sa
19:20.5
extrajudicial settlement to include now
19:22.2
that property na hindi nyo na-include sa previous
19:24.5
AGS ninyo. Para po tanggapin.
19:26.6
BIR, bayaran ng proper tax.
19:28.5
At the same time, ma-issuean po kayo
19:32.3
that's it. That's how the law is
19:34.6
though. So, durolex and lex,
19:36.6
the law is hard, but that is the law.
19:38.7
Latay magawa. We have to follow
19:40.7
it. Okay. Take note.
19:43.2
O, si Josephine Orong.
19:45.2
Good morning, attorney. Ask ko lang.
19:46.6
My grandfather have an untitled land.
19:49.3
Pero sa registered, sa
19:50.7
registry of deeds,
19:51.9
ask ko lang. My grandfather have an
19:56.6
Pero na-register sa registry of deeds
20:01.8
Grandfather tapos
20:02.7
her name. Bakit naging
20:04.2
eh, ibig sabihin, baka
20:06.8
na-applyan ang title. Kung bakit nag-aroon
20:08.7
na siya ng titlo sa registry of deeds. So,
20:10.9
that would be good. So, you better
20:12.8
still, you ask registry of
20:14.9
deeds, ingin kayo ng traceback documents
20:16.7
on how it was transferred. So, if it's an original
20:18.7
patent o CT pa siya, o CT siya,
20:20.7
ibig sabihin na-applyan. Pwede kayo
20:23.0
DNR to inquire about
20:26.4
that. Okay, Josephine.
20:28.5
Thank you so much, Josephine.
20:30.7
And then, si Kobe.
20:34.6
siya pa rin ulito kanina. I have a question.
20:36.6
I don't know kung na-discuss na ito.
20:38.4
Ang property po binenta after
20:43.5
Ang tanong, hindi alam
20:44.5
ng ex-husband, may
20:46.4
dalawa silang anak, hindi
20:48.4
minor. Ito po eh, binenta
20:50.6
ng ex-wife at si Nolo. Pwede
20:52.4
po ba ito mangyari? At may habol pa ba
20:54.5
ang anak dito? Or even the ex-husband?
20:56.4
Well, ganito po, kung may annulment
20:58.7
po tayo ng marriage,
21:00.3
kasama po sa annulment ng marriage is the
21:02.3
separation of properties. May order po, dapat
21:04.3
ang judge yan. May directive po ang judge.
21:06.3
Hindi lang po pag-severe ng kanyang
21:08.3
marriage relationship. But dapat po tuloyin
21:10.4
po rin yung separation
21:12.5
of properties between the
21:13.9
parties. Why? Because those are
21:16.4
two different things na dapat
21:20.3
kung yung marriage lang po tuloyin mo, magkakaroon
21:22.5
tayo ng problema sa settlement
21:24.2
kung ibebenta yung property or saan pa po.
21:26.4
Kasi bakit? Kakailangan pa rin natin
21:28.4
ng marital consent. Now, you
21:30.4
have to check, Koby, kung meron po
21:32.4
ba doon sa annulment. Kung meron
21:34.6
pong declaration, kanino po ba
21:36.3
nakaasaad yung property?
21:38.7
Kung kanino nabigay? Let's say, nabigay
21:40.5
sa wife, no problem.
21:46.3
However, kailangan po yung annulment
21:50.1
ng annulment na meron nakaasaad doon
21:52.3
na na-assign sa kanya yung property.
21:53.9
Dapat po, mapanotate po yan sa registry.
21:56.4
Because without which,
21:58.6
kailangan po ng marital consent ng
22:00.1
ex-husband. Okay? Take note of that,
22:02.6
Koby. Kailangan po ng marital
22:04.5
consent kapag hindi na-annotate.
22:06.3
At kung wala po nakalagay sa
22:10.6
court, kung kanino na-adjudicate
22:12.8
o na-ibigay yung lupa na yun,
22:14.7
bigay ba yun? Kailangan po ng
22:16.3
marital consent. Alright?
22:18.9
Take note of that. Si Rowena
22:23.1
At yun yung tanong ko lang po,
22:24.2
na po, process paglipat ng
22:26.2
titulong ng lupa. Alright?
22:28.2
Nakabili po kami last 2020.
22:30.5
May deed of sale na po kami.
22:32.2
Matanong, maraming salamat po. Eh,
22:34.1
alam mo, Rowena, ang problem niyan, 2020,
22:36.6
pwede mo magamitin yan. Pero ang problema
22:38.4
is grabe na ang penalty niyan,
22:40.4
no? Because it is 2020.
22:42.7
So, just imagine,
22:45.9
4 years na, make it,
22:48.0
almost, that you will have to have
22:50.0
to be paying so much taxes on that, no?
22:53.0
Penalties po, compromise.
22:56.2
problem sa capital gain tax, no?
22:57.8
Tsaka sa doc stamps. So, akong suggestion,
23:02.2
sellers of that property. Baka pwedeng
23:04.3
i-cancel ninyong old sale ninyo
23:06.0
at gawa kayo ng bago para ma-update
23:08.3
po kayo. And you have to process that within 30 days,
23:10.5
no? Para hindi po kayo
23:12.4
magkaroon ng penalty sa
23:14.1
capital gain tax. Sa documentary
23:16.1
stamp tax naman, every 5th day of the
23:18.3
month. Alright, Rowena,
23:21.3
got something about this.
23:24.2
Okay, si Mera Fe,
23:27.5
Thank you, attorney, for your message na hindi madadala
23:29.8
ang lupa sa kamatayan. God bless you po.
23:34.1
Hindi naman talaga natin madadala
23:35.4
yung lupa sa kamatayan natin, no?
23:37.7
As I said, we are just passers-by
23:40.1
in this world. And
23:41.8
ang purpose lang natin is to enjoy the
23:43.9
properties that we have while we are still
23:46.1
here in this earth, no?
23:48.3
Now, pag matay tayo, itatransfer
23:50.3
nga natin yan doon sa ating mga ears.
23:52.1
And now, they have now the privilege to enjoy
23:53.9
what you have left them. Take note,
23:56.2
hindi po natin madadala ang propidad
23:58.3
kahit itong propidad pa yan
24:00.3
kapag namatay po tayo.
24:02.0
Kaya ingatan po at enjoy natin kung anumang
24:04.3
biyaya binigay ang Panginoon sa atin
24:08.1
masama na marami tayong properties
24:10.1
kung yan po ibinigay po talaga sa atin.
24:12.2
Alright? So, thank you lang po
24:13.9
kung meron ganun.
24:15.7
Alright, may laban ba ako
24:17.6
sa kapatid ko? Binenta niya
24:20.3
ang lupa ng tatay ko na hindi
24:22.2
namin alam. Bali, rights lang
24:24.3
ang pinahawakan ng bumili pero ang mother,
24:26.2
title sa amin. Well, ang point ko
24:28.3
is that, ang panong muna is
24:30.0
kanino ba ang may-ari ng property?
24:32.1
Kung tatay ba ninyo o naka-rest
24:33.4
nung naka-rest doon or baka sa
24:38.2
mother title pa, I think
24:40.1
that's a great-grandfather or grandmother
24:42.0
so baka may share lang yung lolo nyo.
24:44.3
Well, basically, kung buhay pa yung papa
24:46.2
nyo, siya dapat na pwede magbili,
24:48.0
magbenta, no? Pero kung patay na rin
24:50.2
siya, dyan po kayo magkakaroon ng
24:51.9
right as an heir. Kasi kung
24:54.1
patay na ang parents ninyo tapos binenta
24:56.2
yung isang kapatid yung
24:57.6
property. Ah, hindi po pwede.
25:00.2
Kasi kailangan po ng
25:01.2
kanyang consent. Alright? Take note of
25:12.2
Yoyetan, tax declaration under
25:14.2
the name of the died parents, can the children
25:16.3
sell the land? Well, wala mong problema.
25:19.0
Extrajudicial settlement
25:22.2
gagawin natin. Okay?
25:26.2
baka untitled yung property
25:28.5
nyan, similar process
25:30.1
and you have to pay for the capital gains
25:32.3
of tax stamps and transfer tax,
25:34.4
then you have to register the sale
25:36.4
of the unregistered or untitled
25:38.0
sa registry of deeds para mapalitan po
25:40.5
ang tax declaration
25:42.8
under the name of the buyer.
25:44.4
So, extrajudicial settlement with sale,
25:47.0
bayaran po ng estate tax,
25:48.2
at the same time, bayaran po ang
25:50.5
capital gains tax and tax stamps.
25:52.7
By the way, guys,
25:54.4
yung sa estate tax,
25:56.2
sa amnesty natin,
25:58.1
kahit na ano siya, yung
26:02.2
pwede niyo i-avail siya sa estate tax amnesty.
26:04.5
Hindi po ang estate tax
26:06.2
amnesty para sa titled lands lang.
26:11.5
The loss benefit extends
26:13.9
doon sa mga unregistered
26:16.0
or untitled lands.
26:18.0
So, take note of that.
26:33.6
Attorney, paano po
26:34.9
makaka-apply ng adverse claim
26:36.6
or what does we limit? Well, adverse claim,
26:38.9
if you have a claim adverse
26:40.8
to the owner, usually, nangyayari
26:42.8
kapag nakabili ka ng portion ng property
26:46.6
hindi niya binigay ang title
26:48.8
o hindi niya pinurases din.
26:51.3
maprotektahan ka na baka maibenta ulit ito
26:54.6
sa another person,
26:56.8
annotate an adverse claim.
26:59.1
Gawa po kayo ng affidavit niyan
27:00.5
of adverse claim and have it annotated
27:03.1
on the registry of deeds.
27:08.1
duplicate owner's copy
27:14.0
i-benta. So, meron pa mang isang copy
27:16.7
sa registry of deeds na
27:18.2
pwede po natin gamitin.
27:20.6
Alright. So, yun ang gagamitin natin.
27:26.2
depende, no? Kung tanggapin ng
27:28.4
registry of deeds o hindi ang
27:30.0
affidavit mo. It's possible na
27:32.5
i-annotate. It's possible na i-de-deny.
27:35.4
Pwede rin nyo i-elevate
27:36.7
and konsulta doon po
27:39.1
LRA kung sakaling
27:42.6
i-de-deny po siya.
27:44.9
Yan lang naman ang proseso.
27:46.5
Paraga, wala na tayong
27:47.9
ways for that. But that is
27:56.2
So, that kind of problem.
27:57.9
Alright. So, with that, what else?
28:01.4
Gusto po kayo, they're watching
28:02.5
from Canada. Si Anton Escobar.
28:05.6
Asko lang tungkol sa
28:06.6
estate tax amnesty. Ano po ba
28:08.3
qualifications para mag-apply?
28:10.0
Para na po nanay ko since 2013.
28:11.8
Well, yes, you could apply, no?
28:15.1
Sir Anton, please.
28:18.6
look at the video lectures that we have
28:20.7
on the settlement of the estate.
28:22.6
In fact, pwede kayo mag-apply.
28:24.4
Please watch other videos.
28:30.1
Let's tag natin siya, no?
28:31.8
Maraming po tayong video lectures niyan,
28:36.1
Okay, sir, yung asawa ko
28:38.2
may minanang lupa, okay?
28:40.4
And then, ngayon, pinasubdivide na nilang
28:42.5
drum kapatid. Tanong ko lang po,
28:44.2
mag-type rin po ba ang natin
28:45.6
kasamang right to pay? Of course naman.
28:48.4
The rule is that kung walang
28:49.9
arrangement as to how it
28:54.3
mag-type po dapat.
28:56.2
Right to pay, no? Kasi,
28:58.0
ang purpose talaga ng batas is to
28:59.7
make it fair to all the
29:04.4
makatatanggap ng property.
29:06.6
Yun ang proseso natin.
29:08.9
But, meron naman ding
29:10.2
a partition agreement na mas
29:12.2
jumalaki sa kabila, sa kanila.
29:14.2
Yung isa hindi, no? Depende po yung
29:15.9
susapan. Pero, as a rule, yes.
29:18.3
Totoo po, yes. Pwede po.
29:23.2
So, ito po ang hanggang ngayon
29:26.2
And, let us see. I could have
29:27.8
about 3 minutes muna dito sa aking
29:30.5
I'll see the docs
29:32.3
if nandito na po yung iba kong
29:36.7
talked to them for quite a while.
29:38.4
Ito, dami na rin sila.
29:40.3
And, I have to answer dun. Si May Bagares.
29:42.7
Good morning, attorney.
29:44.1
Good morning, May Bagares. Shoutouts po sa inyo.
29:46.7
Kumusta po kayo? How are you?
29:50.4
to tune in for quite a while.
29:52.7
Pasensyahan na po natin.
29:56.2
As discussed, no?
30:02.1
Pag-i-key natin. Pag-maganda. Okay.
30:06.8
Si Severino Sabes, yes.
30:09.3
Ah, Severino, talagang
30:10.6
ngayon lang talagang nakapag-live ulit, no?
30:12.9
Okay. Si Beth Belunta.
30:15.3
Maraming salamat, Beth.
30:16.4
Shoutout po sa inyo. Beth, no?
30:18.5
Si Flor Delisa Amor.
30:20.5
Good morning. Good morning also po sa inyo.
30:24.2
the Explorer. Good morning, too, no?
30:26.2
May tanong po siya.
30:27.9
Attorney, ask ko lang po. Is it possible
30:30.2
to have two owners in one
30:32.1
single lot number, but the area is
30:36.0
mahirap, no? Bakit nagkakamali ng
30:45.8
meron siyang, ano, yung
30:52.8
it covers only kapag
30:54.1
merong patay or estate tax amnesty.
30:56.2
Yung debt ngayon, hindi sinasabi
30:58.0
na yung 11956 natin
31:00.2
may prospective application. Ibig sabihin,
31:02.9
kasali na po dapat
31:04.1
yung mga debts na namangyayari
31:09.1
Kasi, unfair naman, eh.
31:10.4
Eh, what if po namatay ngayon?
31:12.0
Tapos hindi rin nagkakaintindihan ang mga heirs.
31:14.3
Hindi magpirma ng AGS.
31:16.3
Eh, ngayon, sabihin ng BI, okay,
31:18.6
ang coverage na ng Republic Act
31:20.2
11956 is yung sa estate tax amnesty.
31:24.4
sa estate tax amnesty. Eh, wala namang
31:26.1
sinasabi na hindi requirement ng
31:27.9
AGS. So, AGS bago namin
31:30.1
kumputan. See, magkakaroon
31:32.4
ulit, babalik-balik ang problema
31:34.2
na iniiwasan sana
31:36.2
ng batas. I hope that the
31:38.0
lawmakers will understand, no?
31:40.3
I hope I could, I don't know if I could
31:42.1
write someone else here, na dapat
31:44.0
magkaroon ito ng prospective application
31:46.2
para naman po, ah,
31:48.5
yung mga namatay ngayon is that
31:50.3
yung mga nag-away
31:52.3
ang heirs na namatay ngayon is that pwede
31:54.0
sinabayaran na muna estate tax. Until such,
31:56.1
time, na maayos nila
32:00.0
ang estate tax, ah,
32:02.3
ang kanilang extrajudicial settlement
32:04.0
or court settlement kung nasa
32:05.8
korte mo nito. Alright, take note of that.
32:11.6
unfortunately, it is a common occurrence, attorney,
32:14.0
that the lack of awareness by public servants
32:15.9
and officials of current laws and procedure is
32:17.8
what leads to subpar
32:20.7
public service. Yun ang problema, eh.
32:26.1
we just try to be vigilant
32:28.9
and try to tell them, right?
32:31.5
Siguro, we'll just help on our own.
32:33.6
With the latest technology that we have,
32:38.5
we could tell them what we know, no?
32:41.0
Pag talagang, ayaw talagang
32:42.5
ngampanan ang tungkulong lang, kahit na meron
32:44.7
pong klaro na directive po,
32:49.0
that's the time that we go to
32:50.5
the disciplining authorities.
32:52.4
Okay? Si Nelia Alarcon,
32:54.5
good morning po, ma'am.
32:56.1
Nelia Alarcon, kumusta po kayo?
32:58.1
And si Mark Anthony.
33:00.5
Sa BIR, pasig, ayaw din po
33:02.2
tangkapin kahit pinakita ko na yung
33:04.1
revenue regulation 10 to 10. Kailangan pa rin po
33:06.3
daw ng AGS. Kaya nga, Mark,
33:08.2
ang sabi ko, if that is the case,
33:10.4
sabihin nyo, pakid deny po in writing
33:14.2
itong application ko
33:16.2
para po maakyat ko ito sa higher ups.
33:19.2
Kailangan nyo pong ireklamo yan.
33:20.9
Kasi may batas po at may
33:22.3
revenue regulations 10 to 10. Kasi
33:24.2
it's easy for them to say,
33:26.1
hindi, yun talagang law. Because mag-stick
33:28.4
lang sila doon. Tamad ba?
33:30.5
Ayaw mag... Ito, ano nga yan? Patingin nga.
33:32.8
Kung ano, sandali. Pwede mo ko balikan
33:34.4
kung sabi kang legal namin at RDO kung tama
33:36.5
ba ito? Ayaw basahin.
33:41.3
Get? Ang problem.
33:42.5
So, I think the best thing to do
33:44.4
is to really push the issue.
33:50.6
at i-put it in writing. Alam mo,
33:52.5
kaming mga lawyers, mahilig kami
33:54.2
that we always put in writing.
33:56.1
Ang sagot ng kabila is they should
33:58.2
also put it in writing para po magamit
34:00.3
namin ang evidence later on
34:02.4
to prove na kung may negligence
34:04.0
ba na nangyayari or meron bang bad
34:06.2
faith or gross misconduct.
34:09.2
Yan ang dapat natin gawin.
34:10.3
Not a choice. That is
34:16.2
marami nga. Adi na mo, dito ngayon,
34:17.9
sa nakikinig, meron ganun. Hindi tiyatanggap.
34:21.2
So, basta as long
34:22.2
as it falls under the
34:24.0
estate tax amnesty.
34:26.1
Ang death ng decedent.
34:30.6
Okay? Take thought of that.
34:34.5
good morning, how are you?
34:35.9
And si Ruena Narito.
34:38.9
Ask ko lang po, kami po ay
34:40.3
nakadalawang hearing na po sa
34:42.0
Lupun at Barangay.
34:43.9
Sabi po ng Lupun, i-endorse na po ang
34:45.9
kaso kasi di naman kami
34:47.5
ng respondent magkaintindihan.
34:50.0
Pwede na po ba naming isuhan ng
34:52.0
CFA? Oh yes po, after the third
34:54.0
hearing, pag hindi pa rin kayo ma-issue,
34:56.1
magkaintindi, mag-there's no
34:57.9
amicable settlement, then ma-issuhan
34:59.9
po kayo ng CFA. Or yung katawag
35:01.9
natin, Certificate to File
35:03.8
Action in Port. And from there,
35:05.9
you could now proceed to port by
35:07.5
filing whatever causes of action na
35:09.9
meron kayo doon sa
35:11.5
hindi nyo sa respondent.
35:13.9
Okay? SRS, tanong ko po,
35:16.4
sino ang owner ng property?
35:18.8
Ang heir na may hawak
35:20.0
ng original title certificate
35:21.9
na naka-name sa heir
35:23.1
at magbabayad ng tax
35:25.8
o ang donor ang hawak
35:28.0
document ng deed of donation lang?
35:30.6
Well, pinag-usapan natin
35:32.4
owner. So, sino ba
35:34.2
ang may-ari? Of course, kung kanino
35:35.8
dinonate, siya ang may-ari. Hawak
35:38.0
lang nga yung OCT.
35:39.9
In fact, under the law, if you're the owner,
35:41.8
you could even demand from that person
35:44.0
to surrender the title sa'yo dahil
35:45.9
ikaw man ang may-ari ng
35:47.8
property, being the
35:49.6
doni. Sa'yo kasi dinonate
35:53.8
Mindoro 28, good morning attorney, watch
35:55.8
in from Guam. Thanks for the info.
35:58.0
Yes, sir. Thank you so much, Mindoro
36:01.8
Ruena, bago lang po ang kapitan
36:03.8
namin, sabi, itatanong
36:05.7
pa raw nila sa pulis kung pwede na siya mag-issue
36:08.0
kahit dalawang hearing. Hindi po,
36:09.7
gawin nyo three hearings
36:11.9
unless both parties,
36:14.2
complainant and respondent
36:16.0
agrees na mag-issue na ng CFA.
36:18.6
Pero pag hindi po,
36:19.8
huwag nyo pong pilitin, magkakaroon po kayo ng
36:21.6
technicality niyan later on.
36:23.8
I-third hearing nyo po kung kailangan
36:25.8
pa. Pero kung magpahayag, i-waive na
36:27.7
yung third hearing, basta in writing
36:30.7
respondent, no problem.
36:36.8
at tax clearance,
36:39.7
land holdings issued by the donor
36:47.0
Okay. Ang statement
36:49.5
of account ninyo para sa real property
36:53.8
niyan is ang treasurer's office.
36:55.8
Ang magbibigay sa inyo ng
36:57.7
tax declaration, ang city
36:59.7
assessor's office.
37:01.2
Ang magbibigay sa inyo ng total adholding,
37:03.9
ang city assessor's office.
37:05.7
Ang total adholding,
37:07.8
city assessor's office din po.
37:09.8
Okay? Take note of that.
37:13.3
180, napirmahan na po yung
37:15.7
aming acceptance payment from
37:17.4
estate tax amnesty. Maraming
37:19.5
salamat po sa inyo, attorney. See?
37:23.6
nung una, o ayaw ding pirmahan yung
37:25.6
sa amin dahil di pa raw nila na-encounter
37:27.4
ang ganito. Pero later on, nung pinagkita
37:29.7
ko po yung batas na repub, RR1023,
37:32.2
ay pumayag na rin po sila.
37:33.5
See? Tingnan mo si Assassin 180.
37:36.2
They enforce the right.
37:37.7
I-push talaga. Bigay mo yun.
37:39.4
Print mo yung RR1023.
37:42.3
Bigay mo sa kanila. Pag ayaw nyo
37:43.6
tanggapin yun, ma'am, i-deny mo
37:45.5
ako in writing. At
37:47.4
i-aket ko po yun sa higher ups.
37:49.5
Medyo kakabahan na yan sila. Teka,
37:51.4
bakit higher ups ang pinagsasabi nito?
37:53.6
Kasi po, may batas eh. Bakit yung
37:57.1
I'm happy for Assassin 180. At least
37:59.5
talagang natanggap yung
38:01.0
payment nila. Di ba? Thank you for
38:03.4
sharing that, Assassin 180. At
38:05.4
very important po, so that
38:07.3
everybody here watching will know na
38:09.3
meron po talagang ganitong situation
38:11.1
na pwede rin talagang ipilit kapag
38:13.3
maintindihan nila. Okay, good morning
38:15.4
si Chen Ed Quinones. Hello, sir.
38:17.6
Ma'am, kumusta po?
38:19.2
Sila yung lang ni Adriano. Good day, attorney. My aunt
38:21.3
passed away last May 2023.
38:23.5
Kung magbayad po kami ng estate tax,
38:25.4
hanapin na po ba agad ang EGS?
38:27.4
Di po ba applicable yung separate
38:29.1
estate tax at yung issuance ng e-carport
38:31.4
transfer? That's the problem.
38:34.1
Now, if, sabi ko nga,
38:37.2
11956, hindi nagsasabi
38:38.9
na it covers also
38:41.2
death prospectively
38:42.9
na yung namatay after the coverage
38:45.5
ng Republic Act 11956.
38:52.9
Republic Act 11956.
38:55.4
Sabi ng batas dito
39:01.0
death on or before
39:04.8
Ito ito. Yan o. Coverage o.
39:21.2
Estate who died on or before
39:25.4
Now, ang question
39:28.7
how about for deaths on June
39:35.9
Pwede ba natin i-impose
39:37.7
itong batas na ito?
39:39.9
Republic Act 11956
39:41.3
na nagsasabi na dalawa po
39:43.5
ang proseso. Payment
39:47.3
Silent po ang batas.
39:53.7
maganda ang batas, meron siya
39:55.4
prospective application. Ibig sabihin, pwede
39:57.3
i-apply. Pero, wala pa
39:59.1
umaabot sa korte para i-interpret
40:03.4
options would be that
40:04.7
iklaro po sa batas
40:09.2
natin by making a law clarifying
40:12.9
deaths occurring after May 31,
40:17.4
Or, you go to court and ask
40:19.4
for declaratory relief.
40:24.6
matagal yan ang proseso.
40:26.1
yes, and hindi natin sila pwedeng
40:30.2
pilitin na hindi nila tanggapin
40:32.5
kapag walang AGS. Kasi nga,
40:35.1
hindi ka na tayo cover sa
40:36.2
estate tax amnesty eh. But, we have
40:38.3
to comply with the old law. Again,
40:40.4
balik na naman tayo doon
40:44.4
the train law na kailangan
40:46.2
requirement is AGS or prop order.
40:50.4
baby, I'm planning to write, no?
40:52.1
Siguro someone para dito sa matter na ito
40:54.2
how this will be.
40:58.0
Okay? So, take note of that.
41:00.4
Tunay na amo. Attorney, saan mas
41:02.3
madaling bumili ng lupa?
41:04.4
Sa lupa na nakapangalan sa isang
41:06.3
bangko or sa isang
41:07.9
individual? Well,
41:10.2
actually naman, tunay na amo.
41:12.2
Thank you for that question. Noob daw
41:14.3
siya dito. Ibig sabihin, baguhan. Okay?
41:20.3
lupa po, risky lahat mo.
41:24.6
madaling bumili, well,
41:27.4
assuming na malinis
41:28.7
ang papel and everything,
41:30.4
mas mabilis bumili sa isang
41:32.3
individual. Kasi, kung sa bank
41:34.6
kasi, marami pa silang
41:36.2
dadaanan. Let's say, for example,
41:39.7
foreclosed the property,
41:42.2
nalipat na ang title sa kanila.
41:44.3
Now, if you want to buy
41:46.6
that, dadaan pa sa mga
41:48.1
corporate ladder yan eh. Banko eh.
41:51.1
Marami pa approval and everything.
41:52.5
Tapos, second, it's possible,
41:54.6
kamay naka-possession pa dun sa property.
41:57.5
Ikaw pa ang kukuha
41:58.5
ng re-possession.
42:02.2
Tapos, it will take time.
42:04.2
Pero, hindi ko sinasabing hindi okay.
42:06.5
Okay pa rin. But, it takes time.
42:09.8
Whereas, sa individual,
42:11.2
at that very moment,
42:12.3
pagbilihin mo ang property, t-check mo yung
42:14.1
property, makikita mo kung mayroong imposition
42:16.2
or anong problema ng property, makikita mo
42:18.4
kagad. So, case to case
42:20.5
basis. Pero, it's a general
42:22.5
rule. It's a nutshell.
42:24.6
General lang. Mas mainam.
42:26.8
As mas mabilis kapag bumili tayo sa
42:28.6
isang individual. Okay?
42:31.5
Cling index lawyer.
42:32.4
Attorney, sorry pero nakat po yung sagot mo
42:34.5
doon sa una kong tanong kanina.
42:36.3
Nagka-propose po sa live or video nyo. Di ko po
42:38.4
tuloy narinig ng sagot. O, ano ba yung tanong mo?
42:42.2
Yung tanong ko po
42:42.9
kanina ay, possibly po bang may
42:44.5
two owners in a single left number
42:46.4
but the area is different. Bakit nakat?
42:48.6
Well, yes. It's possible.
42:52.8
kailangan nyo po ng certification.
42:58.1
city assessors. Kung bakit
43:00.6
nagkaroon ng klaseng gano'ng
43:02.4
situation. And if it is
43:04.4
alright with them na nagkaroon ng
43:06.5
different, no? Walang problema.
43:09.2
Then, you can use that later