Moving to Philippines

"Don't move in now unless you have a good contract stating details about deteriorating security. Move into Alabang since there is a brand new hospital. Prepare to pay for everything while in hospital. American style. No pay, no treatment," said one expat in Manila.

"I lived in Cebu, Quoit Pardo for a few years off and on. Great people but just too much traffic, I have moved up north to Danao. Everything you need here, or a cheap air conditioned bus ride to Cebu City if you need any of the Government Departments. A good immigration office and plenty of banking facilities available, if you get a private car. Make sure you have somewhere to park, because that can be a problem. For accommodation DO NOT BUY, just rent. There are plenty of condos, houses or rooms at a good price," remarked one expat who made the move to Cebu.

"My wife's father whom has lived all his life in our area helped to find the property as I wanted to overlook the ocean from our new home. I had a new home built to my spec's so when we arrived the house was good to go," said one expat who made the move to Isabel.

"Near the school of my son due to traffic. If International school, stay in alabang of Forbes If Brent-south campus stay in Alabang If Brent Ortigas, choose another school. Use one agent, and let her search. DOnt worry about watersupply. Worry about neighbors and semifurnished. This excludes aircon," explained one expat living in Manila, Philippines.

"I have three property experiences in the Philippines. I'll start with the rental townhouse in Cebu City. It was a great size with a large kitchen area and living room and dining area, two 15'x12' bedrooms... but sadly became flooded every time there was heavy rain. We were at a low point of the neighborhood. Next was the townhouse in Naga City. It belongs to my ex-wife's family. I renovated it for my wife and daughter to live in while she attended nursing school. After throwing $12,000 at it, and with the help of my very talented and trustworthy brother in law, it came out beautifully. Third is my current fiancée's family's home in Negros. I retire next year, so I haven't spent any time in the house, but another 12-15,000 US later and wala! Another masterpiece. I transformed what was only a boxed in frame of a house into two bedroom, beautiful bathroom, and added kitchen WITH a dirty kitchen as well," said one expat in Philippines.

"I don't know any other expand personally so I can't say what's "typical", but I can tell you about my home and others no found whole looking for it. I have a 3 bedroom, 2 bath townhouse in Mactan (near deny city). It came fully furnished for $460 per month. This was a good deal, better than most, but not incredible. Most homes here have showers rather than bathtubs. They do not have big tank water heaters like in the US. The only hot water is in the shower, and so there's a small water heater in the bathroom. Kitchen and bathroom sinks are cold water only. Homes are typically smaller than in the US. A one bedroom apartment is usually 500 square feet or so. 1000 square feet is considered a big place and you'll pay extra for it. Refrigerator is just like US, though typically smaller. Common to have a microwave. If it doesn't come with the place, you can buy one easily enough. Stove s are usually gas. But they don't pipe gas in like in the US. You have a big tank under the counter and when it runs out you call a gas company to refill it. Oh, you don't drink the tap water. It isn't filtered and processed here like in the US. Tap water is for washing. Drink bottled water. Most middle class and upper homes have a water dispenser with a big jug. Like offices used to have in the US. Ours has a hot water dispenser, it heats a cup or two of water at a time, which is really handy for tea or instant coffee. Internet is readily available. I'm paying $35 per month for 200 mbps. That's roughly typical in the cities," said one expat who made the move to Cebu.

"Because our area is in the tropics and and typhoons are a possibility along with termites I had the home made with concrete and steel construction. There is very little wood. We were living here when typhoon Yolanda struck in November 2013. It was the highest recorded winds in Philippine history. Our only damage was our rain gutters were damaged and some older trees came down," explained one expat living in Isabel, Philippines.

"Yes, a large condo is typical expat housing if you have no kids. No need to worry about security, just get to know the guards and staff in your building well and they will look out for you," said one in Manila.

"Housing in the Philippines tends to be relatively affordable. The average cost of housing varies from one city to another, but in most places prices generally range from budget-friendly to moderate. Rent for a two-bedroom apartment in a city center can range from about 11,000 to 20,000 PHP per month, while rents in more affordable areas can range from as low as 4,000 to as high as 8,000 PHP. Additionally, outside of cities, costs can be much more affordable, and in some rural areas, rural homestays can be found for as low as 1,500 PHP per month," said one expat in Philippines.

"I haven't done a study to find the average. But for anecdotal evidence: My wife and I looked for a 3 bedroom, 2 bath apartment. (3 bedrooms so we'd have one for us, one for the housekeeper, and a guest room. 2 baths so if someone is taking a shower and you have to go, you're not left hopping on one foot until they get out.) Prices we found for such a place were around 20k to 50k pesos per month. Obviously depending on how nice it is, location, etc. We settle on a place for P23k with AC in every room, fully furnished, in a gated community with 24 hour guards. I think that was a good deal, but not a jump up and down and shout great deal. If you're a single person looking for 1 bedroom, or if you'll take a place that isn't furnished, you can pay less. If you want something big and fancy with a pool and a private garden, expect to pay more. Places farther from city center are cheaper -- my wife wanted someplace close to malls etc, so we're in the middle of Mactan. I've heard of expats getting 1 BR apartments for under P10k -- I think that's doable. Housing prices in the Philippines seem to vary widely. Two very similar places could have very different prices. I see much more range in price here than I saw in the US. So it can make a huge difference if you take time to shop around. Two things to consider: 1. Filipino apartments are often very small. If you're looking at on-line listings, pay attention to the size of the apartment. One bedroom apartments are often like 25 sq meters. 100 sq meters is a big place by local standards. 2. Landlords often ask for 2 months rent for a security deposit and 2 months rent in advance. So you have to put down 4 months rent to move in. I come from the US where it's common for apartments to have "move in specials" where the first month is free and there's 1 month security deposit, so this was a real surprise to me. Make sure you have the cash to move in. Also, this is often negotiable. I suspect the high move in cost is more of an initial negotiating position than they really expect to get that, but I don't have enough experience to know. I came here from Michigan, which has a fairly low housing cost. A 2 BR apartment in my area was around $1000 - $1500 per month. If you're coming from New York City or Los Angeles, $3000 a month would probably sound like there must be something wrong with it that they're giving it away so cheap! Rents here are WAY lower than in the US," said one expat who made the move to Cebu.

"Whether to buy or rent a home in the Philippines is a decision that should be made based on one's individual circumstances. Buying a home allows for more stability, as monthly payments remain the same and may even decrease as a result of amortization. On the other hand, renting a home can be more convenient, as one can switch properties more easily and have less responsibility with maintenance and repair costs. Both options have their merits, and the decision should be based on factors such as lifestyle, budget and expected length of stay in the country," remarked one expat in Philippines.

"Bought a nice 2 bedroom home, but the title had liens dating back to 1965 so it was not conveyed. We have a lawyer working on that who will petition the court to expunge these encumbrances and issue a new clean title," said one expat in Prudential Village, Daliao, Davao City.

"I have totally different advice on what to bring than I've seen from others. Will you need light weight clothing? Yes. Do you need to buy such clothes in America and bring them here with you? No. You can buy any clothes you need here. Ditto most of TBE things people advise you to bring. If you need it here, you can buy it here. I suggest: 1. Bring anything of sentimental value to you. If you have some cherished item that can't be replaced, bring it. But mostly 2. Bring things that are cheaper in the west than here, like electronics. Bring your laptop if you have one. That sort of thing," remarked one expat who made the move to Cebu.

"It is important to respect local customs and culture when visiting the Philippines. As such, avoid making any negative comments about the culture, customs, or religious beliefs of the Filipino people. Additionally, be mindful when shaking hands when meeting someone, as the handshake may be accompanied by a light bow, a sign of respect. It is also critical to dress is a respectful manner, particularly when visiting religious sites; cover your shoulders and legs, and refrain from wearing any clothing with offensive slogans or images. Furthermore, use your right hand when giving or receiving items from local people; using your left hand is considered impolite. Finally, avoid discussing sensitive political topics with strangers, as such conversations can lead to misunderstandings," said one expat in Philippines.

"Many expatriates in Angeles City are former military men hailing from the U.S., and most are married to local women. Other expats move there for the low cost of living," remarked one expat in Angeles City.

"Foreigners mainly move to Manila because of the low living costs and the fact that many people in the Philippines speak English. Beside that people generally are friendly," wrote one expat living in Manila.

"Foreigners mainly DO NOT move to Manila. It's crowded, dirty, crime is high, and more expensive than any other area to live in. Negros, and Cebu is the main areas now. They are building up, more and better services, great hospitals, great doctors, and lower prices on everything. Don't fall for Manila or country thing unless you are from the country," commented one expat who moved to Philippines.

"Personally I moved there because I like the ocean. The water is warm so no wet suit needed. Most people speak English, my native language. Most people there are nice and helpful. Older people are respected. I built 2 dwellings for less than $9.00 per foot," said one expat.

"The Philippines has become a popular destination for expats due to its tropical climate, friendly people and low cost of living. The country also offers amazing landscapes and tourist attractions, a diverse culture and welcoming environment to foreigners, with many expats choosing to stay long-term. Expats also appreciate the excellent healthcare, great infrastructure, and a high standard of living. The country also provides plenty of business opportunities and job prospects which attract expats interested in making a career move. Expats who move to the Philippines can also enjoy the relaxed and laidback atmosphere, good food, tropical beaches, and the unique mix of activities available for them to experience," said one expat living in Philippines.

"I just spent 5 days in the Bacolod Riverside Hospital. I woke up in the middle of the night with an excruciating pain in my ankle, it felt like someone hit it with a hammer. The next morning it was double in size swollen up. I had previously seen this doctor in Bacolod an went to him to see what was up. He looked at it and immediately had me go to the ER and had me admitted. I spent days there to find out I had Peripheral Arterial Disease. I saw five specialist during my stay and was very impressed by them. The total cost was approximately $3,400.00 and they got my leg back to normal," commented one expat living in Philippines.

"Healthcare services in the Philippines are provided by both public and private institutions. The public healthcare system is funded by the government and is available to all citizens and legal residents. The quality of public healthcare varies depending on the region, but generally it is considered to be of a lower standard than private healthcare. Foreign residents are able to access the public healthcare system, but they may need to pay for some services. Expats in the Philippines typically use private healthcare services, as they are more reliable and of a higher quality. However, some expats may choose to use the public healthcare system if they are unable to afford private healthcare," commented one expat who moved to Philippines.

"If you can afford it, get health insurance, but the rates are higher the older you are, and if your over 60 they go through the roof, that's if they will insure you. Be aware that many doctors here, who will charge you in excess of the regular charge as a "skin tax" as we are perceived to be able to afford it. Also hospitals will add on extra's not necessary, ie, they always insist on a drip, but it only contains saline solution. Extras like artificial limbs are difficult to have maintained here, its only in Manila or Cebu where there are facilities to have these repaired or replaced, but the quality and expertise is poorer, usually using 2nd hand appliances from abroad. In Manila there is a private house where European standards are maintained, but it is the most expensive you will encounter," remarked one expat living in Philippines.

"I live in a rural area of the Philippines, and I have found the provincial and municipal hospitals to be of excellent quality for all my ordinary health care needs," commented one expat.

"Depending where you live or want to live, there are great hospitals. Such as the ACE hospital system which is jayhco certified. Not sure if the spelling. They are up to date and modern hospital. You can actually invest in this hospital system like in the United States and get great service. ," explained one expat living in Philippines.

"The healthcare system in the Philippines is largely privatized, with a mix of public and private hospitals and clinics providing medical services. The quality of care varies depending on the facility, but generally, the medical services available in the Philippines are of a high standard. The country has a wide range of specialists and medical professionals, including doctors, nurses, and pharmacists, who are able to provide a range of treatments and services. The cost of medical services in the Philippines is generally lower than in other countries, making it an attractive option for those seeking medical care," commented one expat living in Philippines.

"Competent doctors. Took an appointment a week in advance for an MRI that was needed immediately," commented one expat who moved to Cebu, Philippines.