The subdivision has no promised roads or amenities — can I stop paying and get a refund?
Last updated: 2026-07-11 · Educational content; not legal advice.
Short answer
Possibly, yes. Under Section 23 of PD 957, if the developer fails to develop the subdivision or condominium project according to the approved plans and within the time limit, you may — after giving due notice to the developer — desist from paying further installments, and none of your payments will be forfeited. At your option, you can instead be reimbursed the total amount you paid, including amortization interests but excluding delinquency interests, with interest at the legal rate. Section 20 requires the developer to finish the promised facilities within one year of the license to sell (or the period fixed by the regulator). Serve a written notice first and file with the HSAC if they don't comply.
Primary sources
Frequently asked
Can I really stop paying without losing my money?
PD 957 §23 says no installment payment shall be forfeited when the buyer, after due notice, desists from further payment 'due to the failure of the owner or developer to develop the subdivision or condominium project according to the approved plans and within the time limit.' The key is giving proper written notice first — do not just stop silently.
Can I get a refund instead of just stopping?
Yes. Section 23 gives you the option to be 'reimbursed the total amount paid including amortization interests but excluding delinquency interests, with interest thereon at the legal rate.'
How long does the developer have to build the amenities?
PD 957 §20 requires the facilities, improvements, and infrastructure that were offered or advertised to be provided 'within one year from the date of the issuance of the license' for the project, or such other period the regulator fixes.
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Your rights as a home buyer or renter — the Maceda Law (RA 6552) refund and cash-surrender-value rules when you stop paying a house or condo on installment, the grace period before a developer can cancel, PD 957 remedies when a developer won't deliver your unit, title, or promised amenities, how to file against a developer at DHSUD / the HSAC, and the Rent Control Act (RA 9653) limits on deposits, rent increases, and eviction.