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    • Ziggurat Realestatecorp
      • Apr 19
      • 3 min read

    BSP urges use of online security features


    The Bangko Sentral ng Pilipinas (BSP) on Monday, April 18, has again called on the public, especially digital financial consumers, to make use of “all available security features for online transactions” as protection against cyber fraud.


    “The BSP encourages digital financial consumers to enable multiple layers of security features, including multi-factor authentication (MFA), for online transactions in BSP-supervised financial institutions’ (BSFIs) digital platforms,” the BSP said in an advisory.


    At the same time, the BSP is reminding all BSFIs to “strictly comply with policies on the management of cyber security risks.”


    MFA requires users to verify their identity through several methods before proceeding with a transaction. MFA includes one-time PINs or OTPs, biometric authentications, and mobile banking PINs or MPIN. Authentications are sent through SMS, e-mail, or phone call. Enabled notifications will promptly alert the individual if a transaction was completed.


    “The BSP continuously reminds the public that e-safety is everyone’s responsibility,” it said.


    The BSP has been strongly advising the public to practice cyber hygiene such as refraining from sharing personal as well as sensitive information, and by using strong passwords and changing them regularly.


    It also reminds the public to update device operating systems and to report immediately any suspicious or unusual activities to their banks or digital non-bank service providers.


    The BSP has recently approved new rules on banks and non-banks’ robust fraud management systems to build up its cybersecurity resiliency.


    BSP Circular No. 1140, which BSP Governor Benjamin E. Diokno signed last March 24, amended the existing IT risk management regulation not just to reinforce consumer education and awareness of cyber threats but also to strengthen cybersecurity and minimize losses due to fraud and cybercriminal activities.


    The new circular is part of a comprehensive cybersecurity guidelines that BSP has been preparing.


    The BSP is giving BSFIs until end-December 2022 to comply with circular standards, and to show its plan of actions including specific timelines and status before achieving full compliance.


    It was in December 2021 when Diokno first announced BSP’s intention to issue stronger regulations on banks’ fraud management systems following the hacking crisis which victimized a number of BDO Unibank Inc. clients. The hacking incident also involved Union Bank of the Philippines.


    The Bangko Sentral ng Pilipinas (BSP) on Monday, April 18, has again called on the public, especially digital financial consumers, to make use of “all available security features for online transactions” as protection against cyber fraud.


    “The BSP encourages digital financial consumers to enable multiple layers of security features, including multi-factor authentication (MFA), for online transactions in BSP-supervised financial institutions’ (BSFIs) digital platforms,” the BSP said in an advisory.


    At the same time, the BSP is reminding all BSFIs to “strictly comply with policies on the management of cyber security risks.”


    MFA requires users to verify their identity through several methods before proceeding with a transaction. MFA includes one-time PINs or OTPs, biometric authentications, and mobile banking PINs or MPIN. Authentications are sent through SMS, e-mail, or phone call. Enabled notifications will promptly alert the individual if a transaction was completed.


    “The BSP continuously reminds the public that e-safety is everyone’s responsibility,” it said.


    The BSP has been strongly advising the public to practice cyber hygiene such as refraining from sharing personal as well as sensitive information, and by using strong passwords and changing them regularly.


    It also reminds the public to update device operating systems and to report immediately any suspicious or unusual activities to their banks or digital non-bank service providers.


    The BSP has recently approved new rules on banks and non-banks’ robust fraud management systems to build up its cybersecurity resiliency.


    BSP Circular No. 1140, which BSP Governor Benjamin E. Diokno signed last March 24, amended the existing IT risk management regulation not just to reinforce consumer education and awareness of cyber threats but also to strengthen cybersecurity and minimize losses due to fraud and cybercriminal activities.


    The new circular is part of a comprehensive cybersecurity guidelines that BSP has been preparing.


    The BSP is giving BSFIs until end-December 2022 to comply with circular standards, and to show its plan of actions including specific timelines and status before achieving full compliance.


    It was in December 2021 when Diokno first announced BSP’s intention to issue stronger regulations on banks’ fraud management systems following the hacking crisis which victimized a number of BDO Unibank Inc. clients. The hacking incident also involved Union Bank of the Philippines.


    Source: Manila Bulletin

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    • Ziggurat Realestatecorp
      • Apr 12
      • 1 min read

    Donation of immovable property

    "Article 725. Donation is an act of liberality whereby a person disposes gratuitously of a thing or right in favor of another, who accepts it."


    By this definition, the donor voluntarily transfers ownership over a property to the intended recipient or donee who in turn accepts the donated property as a donee.


    For immovable properties such as the house and lot the law provides that:


    "Article 749. In order that the donation of an immovable may be valid, it must be made in a public document, specifying therein the property donated and the value of the charges which the donee must satisfy."


    The acceptance may be made in the same deed of donation or in a separate public document, but it shall not take effect unless it is done during the lifetime of the donor.


    If the acceptance is made in a separate instrument, the donor shall be notified thereof in an authentic form, and this step shall be noted in both instruments."


    In other words, for there to be a valid donation, the law requires that a deed of donation be executed in a public document indicating the details of the property to be donated and conditions for the donations, if any.


    It is also required that the person receiving the donation expressly manifest her conformity in receiving the donation in the same document of donation or in a separate document which must be executed within the lifetime of the donor.


    These formal requirements in the preparation and execution of a deed of donation must be fully observed for there to be an actual valid donation.


    Source: Manila Times

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    • Ziggurat Realestatecorp
      • Apr 11
      • 1 min read

    Global Buyer Survey 2021

    The pandemic has inevitably influenced the decisions of high-income earners in the

    Philippines with regards to their homes for the next 12 months.



    Santos Knight Frank Global Buyer Survey – The Philippine Edition, which explores local themes from the global edition of over 900 international and mostly high-income respondents, shows pent-up demand for new and second homes and a preference for low-density environments and wellness-related features such as air quality and green spaces.


    Qualities that were once nice to have now command preferential interest among buyers.


    The results also suggest a shift of preferences among high-income respondents. There is a growing interest for the suburbs, although the city is still ideal for some buyers.


    Interestingly, health and wellness location features have increased in importance, while convenience-related location factors are seen as less important.


    These preferences may be caused by a myriad of reasons, such as the increasing adoption of remote and hybrid work setups and the fear of crowded places.


    It remains a question whether this shift will continue in the medium to long term.


    Overall, these findings suggest that the demand for homes remain but it also continues to evolve in light of the pandemic.



    GBS-PH-Edition_2021_v7-1
    .pdf
    Download PDF • 2.08MB


    Source: Santos Knight Frank

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