Choosing between a furnished and unfurnished apartment in the Philippines is a big decision, directly impacting your budget, lifestyle, and how quickly you can settle in. This article breaks down the pros and cons of each option, covering costs, flexibility, and what to consider based on your unique needs and preferences.
Understanding Furnished Apartments
A furnished apartment is exactly what it sounds like: an apartment that comes with basic furniture and appliances. This typically includes a bed, sofa, dining table and chairs, refrigerator, and stove. Some might even include extras like a television, air conditioning unit, and basic kitchenware. The big draw here is convenience. You can literally move in with just your personal belongings.
Think about it this way: imagine you’re moving to the Philippines from another country for work. Trying to buy all the necessary furniture and appliances right away would be incredibly time-consuming and stressful. A furnished apartment allows you to bypass all that hassle and start working (or exploring!) immediately. It’s a major plus for expats, students, or anyone who values a quick and easy transition.
However, this convenience comes at a cost. Furnished apartments generally have higher rental fees than unfurnished ones. You’re paying a premium for the existing furniture and appliances. It’s also important to inspect the furniture carefully before signing a lease. Are the appliances in good working order? Is the furniture comfortable and to your taste? You might not have a lot of say in the style, but you can avoid problems by documenting any existing damage.
Cost Breakdown: Furnished Apartments
Let’s talk numbers. Rent for a furnished apartment in a major city like Metro Manila or Cebu can easily be 20-40% higher than an unfurnished counterpart of similar size and location. For instance, a studio apartment in Makati that costs PHP 20,000 unfurnished could easily rent for PHP 25,000 – PHP 28,000 furnished. This premium isn’t just for the furniture itself; it often includes maintenance and potential replacement costs for the landlord.
Then there’s the deposit. Landlords in the Philippines typically require a security deposit (usually one or two months’ rent) regardless of whether an apartment is furnished or unfurnished. However, with furnished apartments, the deposit might be slightly higher to cover potential damage to the furniture. Always clarify the terms of the deposit refund in the lease agreement to avoid unpleasant surprises when you move out.
Insurance is another often-overlooked cost. While your landlord might have insurance on the building itself, it might not cover your personal belongings or damage to the furniture inside the apartment. Consider getting renter’s insurance, especially if you’re renting a furnished apartment with expensive appliances.
Lifestyle and Furnished Apartments
Furnished apartments offer a very specific lifestyle. It’s a great choice if you:
Are staying in the Philippines for a short period (e.g., a few months to a year).
Don’t want the hassle of buying and moving furniture.
Prefer a move-in-ready experience.
Are on a corporate assignment or study abroad program with a limited budget for furnishing.
Value convenience over personalization.
However, it might not be the best option if you:
Have your own furniture that you want to use.
Want to customize your living space to reflect your personality.
Plan to stay in the Philippines long-term.
Are on a very tight budget.
Ultimately, the decision depends on your individual needs and priorities. If you value convenience and are willing to pay a premium for it, a furnished apartment can be a great choice.
Understanding Unfurnished Apartments
On the opposite end of the spectrum, we have unfurnished apartments. These apartments are essentially empty shells – they typically include the basic structure, flooring, walls, and essential fixtures like lighting and bathroom fittings. However, you’ll need to provide everything else, from the bed and sofa to the refrigerator and stove.
While it requires more initial effort and investment, renting an unfurnished apartment provides ultimate flexibility. You get to design and furnish your living space exactly the way you want. This is a huge advantage for people who have a strong sense of style, are collectors of unique items, or simply want to create a home that truly reflects their personality.
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Choosing an unfurnished apartment also allows you to control the quality of the furniture and appliances you buy. You can invest in durable, high-quality items that will last for many years. Compare this to a furnished apartment where you might be stuck with lower-quality furniture that you don’t particularly like.
There’s, of course, a downside. The initial cost of furnishing an apartment can be substantial. You’ll need to factor in the cost of buying all the essential furniture and appliances, plus potentially the cost of delivery and installation. It’s also a time-consuming process. You’ll need to spend time shopping around, comparing prices, and arranging for delivery.
Cost Breakdown: Unfurnished Apartments
The biggest expense when renting an unfurnished apartment is, unsurprisingly, the cost of furniture and appliances. This can range from a few thousand pesos for basic, second-hand items to tens of thousands (or even hundreds of thousands) for brand-new, high-end pieces. The price will depend entirely on your taste and budget.
To give you a rough idea, a basic refrigerator can cost anywhere from PHP 10,000 to PHP 30,000. A gas stove might be PHP 5,000 to PHP 15,000. A bed frame and mattress can set you back PHP 8,000 to PHP 25,000, depending on the size and quality. And a basic sofa can range from PHP 10,000 to PHP 30,000.
Don’t forget to factor in the cost of smaller items like kitchenware, bedding, curtains, and lighting fixtures. These can quickly add up. It’s advisable to create a comprehensive budget before you start shopping.
You might also need to pay for delivery and installation of appliances. Many appliance stores offer free delivery within a certain radius, but you might need to pay extra if you live further away or if the installation requires specialized skills (e.g., installing an air conditioning unit).
While the initial cost is high, remember that you’re investing in assets that you can potentially sell or take with you when you move. Also, the lower monthly rent can offset the initial investment over time.
Lifestyle and Unfurnished Apartments
Unfurnished apartments are a better fit for people who:
Plan to stay in the Philippines for a long time.
Want to personalize their living space.
Have a specific style or design aesthetic.
Are comfortable with the process of furnishing an apartment.
Want to invest in high-quality furniture and appliances.
Prefer lower monthly rent even with higher initial costs.
They might not be ideal if you:
Are staying in the Philippines for a short period.
Don’t want the hassle of buying and moving furniture.
Are on a very tight budget and can’t afford to furnish an apartment initially.
Prefer a move-in-ready experience.
If you value personalization, control, and long-term cost savings, an unfurnished apartment is likely the better choice.
Key Considerations for Both Options
Regardless of whether you choose a furnished or unfurnished apartment, there are several key factors to consider before signing a lease.
Location: This is paramount. Consider your commute to work or school, access to transportation, proximity to essential amenities (grocery stores, hospitals, etc.), and the overall safety and security of the neighborhood. Look at online maps. Explore neighborhoods in person if possible.
Budget: Be realistic about your budget. Don’t just consider the monthly rent. Factor in utilities (electricity, water, internet), building association fees (if applicable), parking fees (if you have a car), and other recurring expenses. Make sure the total cost of living fits comfortably within your financial means.
Lease Agreement: Read the lease agreement thoroughly before signing it. Pay close attention to the terms of the lease, the security deposit refund policy, the rules and regulations of the building, and any clauses related to subletting or early termination of the lease. If you don’t understand something, ask for clarification. A reliable real estate broker can assist with the lease agreement.
Building Amenities: Consider what amenities are important to you. Does the building have a swimming pool, gym, 24-hour security, parking, or laundry facilities? These amenities can enhance your quality of life but might also increase the rent.
Landlord Reputation: Try to research the landlord’s reputation before signing a lease. Are they responsive to tenants’ needs? Do they maintain the property well? You can ask other tenants in the building for their feedback.
Inspect the Property: Before signing a lease, thoroughly inspect the property for any existing damage or defects. Document everything in writing (with photos or videos) and bring it to the landlord’s attention. This will protect you from being held responsible for pre-existing damage when you move out.
Negotiate: Don’t be afraid to negotiate the terms of the lease. You might be able to negotiate a lower rent, a longer lease term, or additional amenities. Landlords are often willing to negotiate, especially if there are similar properties available in the market.
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Finding Apartments in the Philippines
There are several ways to find apartments for rent in the Philippines.
Online Real Estate Portals: Websites like Lamudi, Property24, and ZipMatch list thousands of apartments for rent across the country. You can filter your search by location, price, size, and amenities.
Real Estate Brokers: Working with a reputable real estate broker can save you time and effort. Brokers have access to a wider range of properties, can help you negotiate the lease, and can guide you through the entire rental process. However, be aware that brokers typically charge a commission (usually one month’s rent), which is paid by the tenant.
Social Media: Facebook groups and other social media platforms can be a good source of apartment listings. Many landlords and tenants post directly on these platforms to avoid paying broker commissions. However, be cautious when dealing with individuals online and always verify their identity and credentials.
Word of Mouth: Ask your friends, family, and colleagues if they know of any available apartments. Word-of-mouth referrals are often the most reliable and can lead you to hidden gems that are not listed online.
Walk Around: In some neighborhoods, you might find “For Rent” signs posted on buildings or in windows. This is a more traditional approach, but it can be effective, especially if you’re looking for a place in a specific area.
Furnishing an Unfurnished Apartment: Tips and Tricks
If you decide to rent an unfurnished apartment, here are some tips for furnishing it without breaking the bank.
Start with the Essentials: Focus on buying the essential furniture and appliances first: a bed, refrigerator, stove, and sofa. You can always add more later.
Shop at Second-Hand Stores: You can find great deals on used furniture and appliances at second-hand stores and flea markets.
Look for Sales and Discounts: Many furniture and appliance stores offer seasonal sales and discounts. Take advantage of these opportunities to save money.
Buy Online: Online marketplaces like Lazada and Shopee offer a wide range of affordable furniture and appliances.
Borrow or Rent: Consider borrowing furniture or appliances from friends or family, or renting them from rental companies.
DIY: Get creative and build your own furniture. There are plenty of DIY furniture tutorials available online.
Patience is Key: Don’t feel like you need to furnish your apartment all at once. Take your time and gradually build your furnishings over time.
Furnished Apartments: What to Look For
If you’re opting for a furnished apartment, pay close attention to the following:
Inventory List: Always ask for a detailed inventory list of all the items included in the apartment. This list should include a description of each item, its condition, and its value.
Condition of Furniture: Inspect the furniture carefully for any damage or wear and tear. Document any pre-existing damage in writing and take photos or videos.
Functionality of Appliances: Test all the appliances to make sure they are in good working order. Pay close attention to the refrigerator, stove, air conditioning unit, and washing machine (if included).
Cleanliness: Make sure the apartment is clean and well-maintained.
Maintenance Responsibility: Clarify who is responsible for maintaining and repairing the furniture and appliances. Is it the landlord or the tenant?
Replacement Policy: Ask about the landlord’s policy for replacing damaged or malfunctioning furniture and appliances.
FAQ: Furnished Vs Unfurnished Apartments in the Philippines
What is the typical lease term for apartments in the Philippines?
Typical lease terms are usually 6 months to 1 year, though longer terms can be negotiated. Shorter terms are sometimes possible but might come with a premium.
Is it common to negotiate the rent in the Philippines?
Yes, it’s quite common, especially for longer lease terms or if you find similar units for less. Don’t be afraid to negotiate politely.
What documents do I need to rent an apartment in the Philippines?
Usually, you’ll need a valid ID (passport, driver’s license, etc.), proof of income (employment contract, bank statements), and sometimes a Philippine visa if you’re a foreigner. Landlords can also ask for character references.
What are common scams to watch out for when renting an apartment in the Philippines?
Beware of landlords who ask for large upfront payments without a lease agreement, or those who refuse to show you the property in person. Always verify the landlord’s identity and the property’s ownership before signing anything.
Are pets allowed in apartments in the Philippines?
It depends on the building’s policy and the landlord’s preferences. Some buildings have strict “no pets” policies, while others allow pets with certain restrictions (e.g., size limits, extra fees). Always clarify the pet policy before signing a lease.
Who is responsible for repairs in an apartment in the Philippines?
Generally, the landlord is responsible for major repairs (e.g., plumbing, electrical), while the tenant is responsible for minor repairs and upkeep (e.g., changing light bulbs). However, this can vary depending on the lease agreement, so it’s essential to clarify this upfront.
What are the average utility costs for an apartment in the Philippines?
Utility costs vary depending on your usage, the size of the apartment, and the location. However, you can typically expect to pay around PHP 2,000 to PHP 5,000 per month for electricity, PHP 500 to PHP 1,000 for water, and PHP 1,000 to PHP 3,000 for internet.
References
Lamudi. (n.d.). Philippines Real Estate Listings. Retrieved from Lamudi website.
Property24. (n.d.). Philippines Properties for Sale and Rent. Retrieved from Property24 website.
ZipMatch. (n.d.). Real Estate Philippines. Retrieved from ZipMatch website.
Lazada. (n.d.). Online Shopping Philippines. Retrieved from Lazada website.
Shopee. (n.d.). Shopee Philippines. Retrieved from Shopee website.
Ready to find the perfect apartment in the Philippines? Armed with this knowledge, you’re well-equipped to make an informed decision. Take your time, weigh the pros and cons, and choose the option that best aligns with your lifestyle, budget, and long-term goals. Start your search today and create a living space that truly feels like home!
