A CTC of the Title is a very important document when buying, selling, or transferring a property.
Let's find out why it matters, how to get one, and what to check once you have it.
The more you know, the less you risk.
CTC stands for Certified True Copy.
A CTC of the Title is an official copy issued by the Register of Deeds and certified as a true and accurate copy of the original title on file.
Unlike a simple photocopy, a CTC carries a seal or stamp from the Register of Deeds confirming that it matches the official records.
That is what makes it a reliable document for verification.
Certified True Copy of the Original Certificate of Title — the first title ever issued for the property.
Certified True Copy of the Transfer Certificate of Title, used once the title has already been transferred.
Certified True Copy of the Condominium Certificate of Title, which applies to condominium units.
Visit the Register of Deeds with jurisdiction over where the property is located.
Present the title number along with your valid identification card.
Settle the required certification fee for processing.
Once processed, the Register of Deeds issues the Certified True Copy.
Processing usually takes around 3 to 5 working days. While you are there, ask the officer-in-charge whether the property carries any liens, encumbrances, or annotations.
Make sure the registered owner's name matches the seller you are dealing with.
Confirm that the title number matches the property actually being sold.
Verify the technical description and the lot area stated on the title.
Check for mortgages, liens, adverse claims, or other legal claims on the property.
Without reviewing a CTC, you may miss critical information that could affect your transaction. Even small discrepancies can cause major problems later.
Sometimes it is even more important than the property itself.
The more you understand how real estate works, the better protected you become as an owner, seller, or buyer.
Always invest in yourself.
Stay curious. Keep learning. Explore more resources like these, or post your property at ManilaOpenHouse.com.