SMDC Early Occupancy Program

SMDC’s Early Occupancy Program is a special financing offer that allows you to move into your ready-for-occupancy (RFO) unit with just a 5% down payment. This program lets you enjoy your new home much sooner than traditional payment schemes.

For selected units, you can move in as quickly as 30 days after completing the 5% down payment and required documentation. However, the standard turnover duration is typically 3-6 months from down payment completion. This includes time for unit preparation and document processing.

RFO stands for Ready-for-Occupancy. These are completed units that are move-in ready, unlike pre-selling properties which are still under construction. With SMDC’s Early Occupancy Program, you can move into these completed units with just a 5% down payment.

“RFO” stands for “Ready For Occupancy.” It’s a term used in real estate to describe properties that are fully completed and ready for immediate occupancy.

RFO properties have finished construction, all necessary utilities are in place, and all eligible buyers can move in.

This is in contrast to properties in pre-selling stages, where construction may still be ongoing. The advantage of RFO properties is the immediate availability for those seeking a ready-to-move-in home.

Both Filipino and foreign buyers are eligible for the Early Occupancy Program. Filipino buyers need a minimum 5% down payment, while foreign buyers require a 10% down payment. Our property advisors can help determine your eligibility based on your specific situation.

No, one of the key advantages of the Early Occupancy Program is that it doesn’t require income documentation or credit investigation during the reservation process. This makes it easier and faster to qualify, especially for self-employed individuals or those with non-traditional income sources.

No, you’ll enjoy 0% interest on all your monthly payments during the entire 22-month down payment period. This means 100% of your payments go toward building equity in your property.

To secure a unit, start by consulting with your property specialist about your preferred property and unit.

Following that, submit the required documents:

1. Copies of 2 Valid IDs with specimen signatures
2. Signed Reservation Agreement
3. Signed EOP Checklist
4. Copy of the proof of payment for the reservation fee

The Early Occupancy Program is available for select Ready-for-Occupancy (RFO) properties. The availability varies depending on the current inventory. Please contact our property advisors for the latest list of eligible properties.

Yes. Foreigners can avail SMDC’s Early Occupancy Program (EOP) for selected RFO units. Minimum downpayment required is 10%.

Yes, once you take possession of your unit, you have the freedom to rent it out immediately. This makes the Early Occupancy Program particularly attractive for investors who want to start generating rental income while still completing their down payment.