Meaning no guarantees from the bank. If you encounter problems, bahala ka na. And the usual problems po ay ang pagpapaalis nung current occupants, delinquent taxes, pending cases, etc… The authenticity of the title itself, is the least of your problems na.
I’m not saying that it’s impossible to get a property without a problem, from the banks. But these are just the exceptional cases. Ang usual cases ay may problema talaga.
Nothing is readily safe. That’s why you have to do your own diligence. Or hire professionals to do the research for you.
But, even then, there is still the possibility of problems arising that are related to the title. Or if not the title, other things. Just like everything else in life, there really is no 100% guarantee. All we can do is minimize the risks as much as we can.
I can tell that the photo used above is a clear example of a spurious TCT by just checking the ODR, even without the need to have the Decree Number verified by the LRA/LRC/RoD
If you are too scared po, better not do it nalang. That way, wala po talagang risk sa inyo. The only trade off is you will not be able to take advantage of any opportunity also.
ask guidance from the local land researcher mam to avoid scams. most of this researchers are previously working with the DENR LANDS. not all real estate brookers are researching or good researchers