What Your Land Title Really Protects | PD 1529 Ep. 3: Certificate of Title

Описание: Chapter IV of PD 1529 explains the certificate of title: how an OCT is issued, the owner's duplicate, TCTs, what a clean title still carries under Section 44, why titled land can't be taken by prescription, and why a title can't be attacked collaterally. Plus how to read a title before you buy.

This is part of our PD 1529 (Property Registration Decree) series, explained chapter by chapter in simple English.

CHAPTERS
0:00 The certificate of title
0:22 From judgment to title
0:53 O C T, T C T, and the owner's copy
1:23 What a clean title still carries
2:01 Names, spouses, and burdens
2:29 No land grabbing by possession
2:50 No collateral attack
3:13 Splitting, merging, subdividing
3:46 Paper titles and e-titles
4:13 How to read a title
4:43 Title checklist
4:58 Next: buying, selling, mortgaging

KEY POINTS
CH. IV: Your most valuable document; How it is issued, what it protects
SECS. 39–40: Court orders within 15 days; LRA prepares decree and title; Effective on the date of entry
SECS. 41–43: OCT: the first title; Owner's duplicate: your copy; TCT: traceable back to the OCT
SEC. 44: Free of unrecorded claims, except...; Taxes, roads, canals, agrarian reform; Check tax payments too
SECS. 45–46: Both spouses for conjugal property; Still subject to the law
SEC. 47: No prescription against titled land; Time alone won't take your land
SEC. 48: Only in a direct case; Not as a side issue
SECS. 49–50: Split or consolidate titles; Streets and open spaces protected; How heirs get separate titles; No enlarging the area
TODAY: Many titles are now e-titles; Copies from other LRA offices; Guard your owner's duplicate
READING A TITLE: Owner, number, area; Check the boundaries; Read every annotation
WHAT IT MEANS: Copy and trace the title; Taxes and spouse's consent

UPDATES SINCE 1978
Many titles are now issued as e-titles from LRA's computerized records; certified true copies can be requested from other LRA offices under current LRA rules.

SOURCES
Presidential Decree No. 1529, Property Registration Decree (June 11, 1978), Chapter IV, Sections 39–50.


DISCLAIMER
General information only, not legal advice. For your situation, consult a lawyer, the Register of Deeds, or the LRA.

Philippine Real Estate Digest: Laws, drawn simple.
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