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Furnished or Bare? Choosing Between Fully Furnished, Semi-Furnished and Bare Rentals

Updated 2026-09-19·6 min read·Settling In
The word most often skipped in a listing is furnished or bare. It decides more than whether you buy a bed: it decides what you answer for on move-out day and what can be taken from the deposit.

What each level usually includes

Listing says semi-furnished and nobody can tell you what that covers? → Have Yixing check the inventory line by line before you sign

Definitions vary between landlords, so the contract annex governs, not the advertisement:

  • Fully furnished — furniture, appliances and basic soft furnishings, effectively move-in ready.
  • Semi-furnished — typically built-in cabinetry and air conditioning, sometimes a few appliances; the most variable tier.
  • Bare — the unit and fixed installations only.

On outfitting a unit yourself, see furnishing a condo.

Choose by length of stay, not by price

A few months: fully furnished or serviced; see short-term rentals. One to two years: semi-furnished is usually the balance point. Three years or a family: bare often works out better, since you can fit it to how the household actually lives.

Also plan the exit: what happens to anything you buy when you leave is easier to decide now than in your final week.

Always annex an inventory

Whatever the tier, attach a furniture and equipment schedule listing category, quantity, location, brand or model where relevant, and current condition. Photograph every item on move-in day with dates, send a copy to the landlord and keep proof of sending. Check against the same schedule at move-out.

See drafting the lease and what may be deducted from a deposit.

Four clauses people skip

Who repairs appliances and how fair wear is distinguished from damage. Whether unwanted items can be removed, who stores them and whether restoration is required. Ownership of anything you install yourself, and whether it is removed, left or compensated. And the move-out inspection standard: which inventory, who attends, and by when; see move-out clearance.

Checks you can run during the viewing

In a furnished unit, test the air conditioning for cooling and noise, the water heater for time to heat, the fridge and washer under power, every light and socket, and the mattress and sofa for odours or pest traces.

In a bare unit, focus on what is expensive to change later: water pressure, drainage, socket count and placement, air conditioning provisions, connectivity and storage.

The broader process is in renting as a foreigner. Yixing (SEC CS202009551 · BI CA-202624381-1) can attend viewings and turn assumptions into written terms.

Frequently Asked Questions

Should I rent furnished or bare in the Philippines?
Choose by length of stay. For a few months, fully furnished or serviced accommodation keeps moving costs lowest. For one to two years, semi-furnished is usually the balance point. For three years or more, or with a family, a bare unit often works out better because you can fit it to how the household actually lives. Decide in advance what happens to anything you buy when you leave.
What does semi-furnished actually include?
There is no standard definition, and it is the most variable of the three tiers. The common combination is built-in cabinetry and air conditioning, sometimes with a few appliances. Never judge from the listing text: rely on the furniture and equipment schedule annexed to the contract, and confirm it item by item during the viewing.
Why is an inventory schedule so important?
It is the baseline for every later dispute. List category, quantity, location, brand or model where relevant, and current condition. Photograph each item with a date on move-in day, send the landlord a copy and keep proof of sending, then check against the same schedule at move-out. That single step removes most arguments about who caused what.
Who pays to repair appliances?
It depends on the lease, so settle it at signing: who bears failures arising from normal use and ageing, how damage is distinguished, what response time and cost limits apply to repairs, and whether the tenant may arrange urgent work and claim against receipts. Written terms are far more reliable than goodwill negotiated after a breakdown.
What happens to appliances I bought myself?
Agree ownership at signing: whether removable items go with you, and whether equipment installed into the fabric, such as an air conditioner or water heater, is removed, left behind or compensated. Also confirm whether removal requires restoring the original condition, so that reinstatement does not become a deposit deduction at move-out.
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