Difference between Pre-Selling and Ready For Occupancy (RFO)

House vs. Condo

Pre-selling units are properties, typically condominiums or houses, that are sold before construction is completed. This means you’re purchasing a property based on blueprints, models, and the developer’s reputation rather than seeing the actual unit.

Meanwhile, Ready For Occupancy (RFO) units are properties that are fully constructed and immediately available for residents to move in. Unlike pre-selling units, RFOs are tangible and can be physically inspected before purchase.

Each has its own set of advantages and disadvantages. Which one is better for you depends on your personal circumstances and preferences.

 

Key Characteristics of Pre-Selling units


  • Property is under construction or not yet built.
  • Purchase happens before completion.
  • Typically offers lower prices.
  • Longer payment terms.
  • Can customize units in some cases.
  • Potential for delays or changes to the project.
  • Visualizations and floor plans are used for reference.

Key Characteristics of Ready For Occupancy units


  • Property is fully constructed and ready to move in.
  • Purchase happens after completion.
  • Generally higher prices.
  • Shorter payment terms or cash payment.
  • No customization options.
  • Immediate occupancy.
  • Actual unit can be seen and inspected.

Pros and Cons


Pre-Selling

Pros:

  • Often offered at a discount compared to RFO units.
  • Flexible payment terms.
  • Property values may increase by the time of turnover.
  • You might be able to customize your unit.

 

Cons:

  • You have to wait for construction completion.
  • Risk of delays: Construction projects can face delays.
  • Uncertainty about the final product; Relying on models and renderings.
  • The developer might increase prices before turnover.

Ready For Occupancy (RFO)

Pros:

  • You can move in right away.
  • You see the actual unit before buying.
  • Can be rented out immediately for potential rental income.
  • Amenities and surroundings are already in place.

Cons:

  • Generally more expensive than pre-selling units.
  • Limited choices: Fewer units available compared to pre-selling.
  • No customization options: Unit is as-is.
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Our partner developers with ready for occupancy (RFO) units


If you’re looking for developers that have ready for occupancy (RFO) units, then check out our partner developers below:

  1. DMCI Homes
  2. Vista Land
  3. 8990 Holdings, Inc.
  4. Amaia Land

Final Thoughts


The condo vs. house dilemma is a dance of choices, and as you navigate the twists and turns, remember that the best choice lies in alignment with your lifestyle, aspirations, and budget.

Whether you’re reaching for the sky in a condo or planting roots in a standalone house, the path to your dream home is paved with many possibilities.

And with Security Bank Home Loan by your side, that dream is just a step away.

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