DMCI Homes opens rent-to-own on select units in ready-for-occupancy communities, never on a whole building. Units go as they are reserved, and the list changes month to month. Ask a specialist for what is open now and the monthly lease on each.
The mechanism
How DMCI rent-to-own works
You sign a lease, not a sale. You commit gradually and keep the choice the whole way.
Move into a finished unit
Pick a ready-for-occupancy DMCI condo, sign the lease, move in. No spot down payment.
Pay rent that builds your credit
At least 60% of every lease payment is credited toward the purchase, at the price fixed when your lease starts.
Decide to buy at the end
Your rent credit goes toward the 10% down payment on the same unit. Any shortfall is settled in cash.
Finance the balance, or walk away
The 90% balance is financed by a bank or DMCI in-house. No move: it is the unit you already live in. If plans change, decline the option and let the lease end.
Already built
What ready for occupancy actually looks like
Rent-to-own applies only to finished, turned-over communities. Every photo on this page is an actual DMCI Homes community, not a render.
A finished 2-bedroom unit
Model unit at The Oriana, Quezon City.
A lobby already in service
Reception lobby at Alder Residences, Acacia Estates, Taguig City
Amenities open from day one
Sky Patio at The Orabella, Cubao, Quezon City
Units are handed over finished but unfurnished. The model unit shows styling, not inclusions. We send the turnover specification for your unit.
The numbers, in the open
What you actually pay
The full money picture, before you inquire.
To move in
No spot DP
A reservation fee and a security deposit secure the unit, both set per unit. The deposit is credited to your down payment when you buy.
Your monthly rent
60%+ credited
At least 60% of every lease payment is credited toward your purchase. The share varies by project and unit. The 36-month lease adds 10% to the rent in its third year.
To buy at the end
10% / 90%
Your rent credit covers the 10%. The 90% balance is financed by a bank or in-house, at 0% interest on one-year in-house terms. A larger down payment or cash earns the standard discounts.
Closing costs
9.6% to 12%
Roughly 9.6% to 12% of the total price: taxes, title transfer, and move-in fees. We itemize your exact figure before signing.
Reserve by December 31, 2026 and a four-year lease is also open at DMCI's legacy communities, including every community on this page, with the same step-up from the third year.
For buyers who would rather commit step by step than in one payment.
A strong fit if you are
A first-time buyer building equity instead of saving a full down payment first
Abroad or out of town and want today's price locked in while you decide
Keen to live in the unit and the community before you commit
Worth a closer look if you
Can settle a standard down payment now, where a straight purchase earns larger discounts
Know the exact unit and plan to buy outright soon
Want a pre-selling project. Rent-to-own is for ready-for-occupancy units
Rent-to-own next to a straight purchase and HomeAdvance
Swipe to see the full table →
DMCI rent-to-own (HomeReady)
Standard purchase
HomeAdvance (early move-in)
To move in
The lease starts, no down payment
Down payment over the agreed term
A lease on your own unit, after four down-payment months (paid as due or up front)
What you sign first
A lease, with an option to buy
A contract to sell
A contract to sell, then the lease
Price
Fixed at lease start
Set at reservation
Set at reservation
If your plans change
Decline the option
Governed by your contract and the Maceda Law
Governed by your contract and the Maceda Law
Live in it before owning
Yes, from day one
At turnover, after the down-payment period
Yes, while you finish the down payment
Already buying? Move in early
HomeAdvance: live in the unit you are buying before it is fully paid
You already own a ready-for-occupancy unit on installment. HomeAdvance lets you move in now, on a lease that ends when your balance is paid.
Qualify after four months of down payment on a ready-for-occupancy unit, or pay those four months up front and qualify right away.
Lease of six months or more, timed to end at your bank drawdown.
Move in with one month’s rent in advance, two months’ deposit, and a utility deposit.
Rent is set per unit and paid alongside your down payment.
Free association dues for up to six months, and turnover fees waived.
HomeAdvance runs until December 31, 2026 on forty-three ready-for-occupancy communities. Reserve your lease by then. Other ready projects are by request.
DMCI rent-to-own, marketed as HomeReady, is a lease with an option to buy from DMCI Homes. You lease a ready-for-occupancy condo with no spot down payment, at a price locked in when the lease starts, and you hold the option to buy the same unit at the end of the term.
Do you actually own the condo after rent-to-own?
Yes. When the lease ends and you take up the option, you purchase the unit and ownership transfers to you, the same as any condo purchase.
How much of my rent goes toward the purchase?
At least 60% of your total lease payments is credited toward your down payment. The exact share varies by project and unit.
Is there a down payment for DMCI rent-to-own?
No spot down payment. You move in on the lease. When you buy at the end of the term you settle at least 10% of the total price, your rent credit goes toward it, and any shortfall is paid in cash.
What are the lease terms?
The standard lease is 24 months. A 36-month term is open as a promo, with the rent stepping up 10% in the third year. Reserve by December 31, 2026 and a four-year lease is also open at DMCI's legacy communities, including every community on this page, with the same step-up from the third year. Every term ends with the same option to buy at your locked-in price.
What is HomeAdvance, and how is it different from rent-to-own?
HomeAdvance is for buyers who have already reserved a ready-for-occupancy DMCI Homes unit on an installment term. After four down-payment months, paid as due or up front, you can lease the unit you are buying and move in, on a lease that ends when your balance is settled at bank drawdown. Rent-to-own is the reverse: you lease first with no down payment and decide to buy at the end. HomeAdvance runs on a set list of ready-for-occupancy projects; other ready projects are by request.
Can Filipinos abroad apply for DMCI rent-to-own?
Yes. Rent-to-own is open to buyers in the Philippines and to Filipinos working abroad, and the lighter paperwork makes it practical to arrange remotely. Your specialist coordinates on the ground while you review and sign from where you are.
What happens if I decide not to buy?
You are not required to purchase. Complete the lease term, move out when it ends, and your security deposit is returned less any deductions. Ending the lease early counts as a default under the lease contract, so choose a term that fits your plans.
Check the rent-to-own units available now
Share your preferences below, and we'll reply with:
Exact Pricing: Month-by-month breakdowns of the lease, the credit toward your purchase, and the price you lock in. No estimates.
Smart Alternatives: Curated options for different floors, terms, or nearby projects.
Seamless Tours: We coordinate your schedule. Since actual units aren't always furnished or located on-site, we'll guide you to the closest matching model unit.
One specialist, every DMCI Homes project.
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