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Buyer's Guide

Navigate the buying process with ease using our comprehensive Buyer's Guide, offering valuable insights and expert tips to help you make informed purchasing decisions.

Unit Selection

The journey to owning your dream home starts with selecting the right project and unit.  Golden Topper offers a diverse portfolio of projects in various locations, each designed to suit different needs and lifestyles.

Have a unit in mind already? You may book a visit to our project showrooms. Our accredited salespersons and Sales Officers shall assist you to confirm the availability of your preferred unit. 

The total contract price of the unit, your preferred payment terms, and the reservation requirements shall also be discussed.

HELPFUL TIP

Visiting our project showroom allows you to experience the project location, and quality of our units firsthand, giving you a clearer vision of your future home.

Want to consult with an accredited Golden Topper salesperson? Send us a message on Messenger!

Once you’ve selected your project, the next step is securing your unit. This ensures your preferred unit is held for you while completing the documentary requirements and the settlement of the reservation fee.

Document Requirements

Reservation Requirements for Individual Buyers

  • Accomplished and Signed Reservation Agreement (RA)
  • 1 Valid Government I.D. w/ 3 Specimen Signatures
  • Payment Schedule signed by the Buyer

Reservation Requirements for Corporate Clients

  • Accomplished and Signed Reservation Agreement (RA)
  • 1 Valid Government I.D. w/ 3 Specimen Signatures
  • Payment Schedule signed by the Buyer
  • Tax Identification Number of All Buyers

Unit Reservation

Reservation Fee

After the Sales Officer confirms that the documentary requirements are complete, you may proceed to settle the reservation fee, which is non-transferable and non-refundable. 

The reservation fee may be paid in cash, bank transfer, or through our online payment gateway.

PAY NOW

Please remember to always secure all Official Receipts issued and copies of your reservation documents.

After you have successfully reserved your unit, you will be asked to accomplish requirements to facilitate the sales documentation process, which shall be in two phases: the Booking Phase, and the Contract to Sell Phase.

Booking Phase

Due Twenty (20) Days from Reservation Date
  • Accomplished and Signed Reservation Agreement (RA)
    • For check payments: At least first twelve (12) post-dated checks
    • For credit card payments: Fully accomplished and signed Auto Debit Account (ADA) form
    • For cash payments: Payment must be cleared
  • Contract to Sell (CTS) accomplished and signed by the Buyer
  • Payment Schedule signed by the Buyer
  • Taxpayer Identification Number (TIN) of all buyers

Contract to Sell (CTS Phase)

Due Twenty (30) Days from Reservation Date

Shortly after unit reservation, our Sales Documentation and Control team shall send a cover letter and copies of the CTS for the Buyer’s signature. The cover letter shall iterate that the signed CTS must be submitted within thirty (30) days. 

For Individual Buyers

  • CTS signed by the Buyer
  • Proof of Mailing Address
  • If married: Copy of Marriage Contract
  • If annulled: Court Order of Finality
  • If children below 18 years old are included: Copy of Birth Certificate
  • If with Attorney-in-Fact: 
    • Notarized Special Power of Attorney
    • Clear copy of valid ID with three (3) specimen signatures

For Corporate Clients

  • CTS signed by the Buyer
  • Proof of Mailing Address
  • Certified true copy of SEC registration
  • Certified true copy of By-Laws
  • Certified true copy of Articles of Incorporation
  • Copy of Latest General Info Sheet (GIS)
  • Copy of Certificate of Registration (COR) with BIR
  • Notarized Board Resolution with date and place of meeting authorization to buy property, and the designated authorized representative
  • Secretary’s Certificate
  • Valid ID with picture of the corporate secretary and the authorized representative with three (3) specimen signatures

If the Buyer fails to submit the signed CTS within thirty (30) days, it is presumed they have read the provisions and shall be construed for all legal intents and purposes as his/her acceptance and conformity of all the terms and conditions stipulated in the CTS.

For Buyers living outside of the Philippines, consularized copies of CTS should be submitted within 90 days.

Upon completion of CTS requirements, notarized copies CTS shall be provided to the Buyer.

IMPORTANT REMINDER

Please make sure to complete the requirements within the given time period. Otherwise, your unit reservation will be forfeited and cancelled.

General Guidelines

Documents from abroad must be consularized.

Buyers may request for changes or amendments on their records/documents, subject for approval and fee if any.

Buyers who are allowed to change mode of payments through Direct Deposit and Bank Fund Transfer must submit their proof of payments to the following:

Your Statement of Account (SOA) provides a detailed summary of your payments, outstanding balances, and due dates. Keeping track of this ensures you are always updated on the status of your account. 

Your Accounts Officer will issue SOAs periodically or upon request, ensuring that you’re aware of your account’s standing at all times.

If you have any concerns regarding your SOA, you may reach out to our Customer Service through customercare@goldentopper.com.

For our team to help you more efficiently, kindly provide the following information in the email :

  • Email Subject: Request for SOA and Billing Statement
  • Buyers' Name:
  • Project:
  • Unit:

Staying up to date with your payment schedule is crucial to maintaining your reservation and ensuring the smooth completion of your home purchase. In the event of a missed payment, we provide support to help you get back on track. 

To settle missed payments, you may reach out to our Customer Service through customercare@goldentopper.com.

For our team to help you more efficiently, kindly provide the following information in the email :

  • Email Subject:Inquiry for Missed Payment
  • Buyers's Name:
  • Project:
  • Unit:

What Happens When You Miss A Payment?

Initial Notification

If a payment is missed, you will be promptly notified via email, SMS, or phone call. Our team will send a friendly reminder about the missed payment along with the amount due and the new payment deadline.

Late Payment Fees

If the grace period lapses and the payment remains unsettled, late fees or penalties may apply. These penalties typically compound the longer the payment remains outstanding, and may affect 

Payment Extensions

If you anticipate difficulties in meeting an upcoming payment, you can reach out to our Customer Service team to request an extension. While extensions are granted on a case-by-case basis, early communication significantly increases the chances of approval.

Revised Payment Terms

If financial difficulties are long-term, we may be able to help you by restructuring your payment terms. This could involve extending the duration of payment terms to reduce monthly payments or temporarily pausing payments until your financial situation stabilizes.

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You can securely settle your monthly dues from anywhere, at any time, through our online payment gateway, helping you stay on track with your payments effortlessly.

In the case of changes to your account such as payment terms or personal information. We provide a streamlined process to accommodate these changes, ensuring that your account remains accurate and up-to-date.

To process changes to your account, you may reach out to our Customer Service through customercare@goldentopper.com.

For our team to help you more efficiently, kindly provide the following information in the email :

  • Email Subject: Request for Changes in Account
  • Buyers's Name:
  • Project:
  • Unit:

Payment Terms

If you need to adjust your payment terms —such as extending the payment schedule or shifting to a different financing option—our team will work with you to revise your terms in line with your financial situation.

Buyer’s Information

Should there be any updates to your personal details, such as changes in your contact information, marital status, or legal name, it’s important to notify us promptly. This ensures that all future communications and documentation reflect your most current information.

Transfer of Information

In certain cases, you may wish to transfer the unit’s ownership to a family member or a third party. This requires the submission of formal documents and approvals to finalize the transfer.

Amendments of Financing Arrangements

If you're switching from one financing option (e.g., in-house to bank financing) or changing your lender, notify us so we can assist with the necessary steps to update your payment and financing arrangements.

Keeping you informed about the progress of your future home is a top priority. Throughout the development, we provide regular project updates to ensure that you are always aware of key milestones, expected timelines, and any potential adjustments. 

To request for the most recent project updates , you may reach out to our Customer Service through customercare@goldentopper.com.

For our team to help you more efficiently, kindly provide the following information in the email :

  • Email Subject: Request for Project Updates
  • Buyers's Name:
  • Project:
  • Unit:

We understand that unforeseen circumstances can arise, and sometimes buyers may need to cancel their home purchase. Our cancellation process is designed to be transparent, efficient, and supportive, ensuring that you are well-informed about your options and obligations. 

To process your request for cancellation, you may reach out to our Customer Service through customercare@goldentopper.com.

For our team to help you more efficiently, kindly provide the following information in the email :

  • Email Subject: Request for Unit Cancellation
  • Buyers's Name:
  • Project:
  • Unit:
  • Reason for Cancellation:

Reservation Fee

The reservation fee paid at the time of your unit reservation is generally non-refundable, as it secures the unit for you and prevents others from reserving it.

Other-Refundable Payments

Refunds for monthly payments for cancelled units shall be processed in accordance with the Maceda Law.

If you have paid at least two years of installments, the law entitles you to a refund equivalent to 50% of your total payments, with additional percentages applicable for longer payment terms.  Whereas, if you have paid less than two years of installments, no refund shall be issued.

Alternative to Cancellation

  • Revised Payment Plans
  • If financial difficulties are the cause of the cancellation, consider reaching out to us about adjusting your payment plan. Extending payment terms or deferring payments can help ease financial pressures and keep your account on track.

  • Unit Transfer or Reassignment
  • In some cases, we offer the option to transfer your reservation to another unit or reassign it to a family member or third party. This allows you to retain your investment in a way that suits your changing circumstances.