San Antonio Homes at Balubal, Cagayan de Oro City

Things OFWs should consider when buying a home

Buying a home is one of the best investments for Overseas Filipino Workers (OFWs). For most OFWs, the goal is to provide enough to finally be able to return home, making them all the more deserving of a great home to come back to. So getting a new home will not just be a reward, but also a testament to all their hard work.

But because acquiring real estate properties is not as straightforward as one may think, coupled with the challenges of having to purchase one all the way in another country, this process becomes a little harder. However, here is what you have to keep in mind before buying that dream home. I can walk you through the entire process and help you make that dream investment come to life.

• Preparedness when buying a home.
Being prepared is not just about knowing what you want in a home but also how you are going to get it. The desire may be there, but it is always important to ask the question of whether or not you are completely ready. Buying a home, whether it is just a lot, a condominium or a house & lot, is a huge milestone and a big decision that requires plenty of consideration. One of the things you have to first think about is your budget. Ask yourself how much you are willing to spend on a property. OFWs know the price of money more than anyone, so naturally, this is the first hurdle you have to go through before deciding on purchasing and investing in a new home. It is also important to know how much cash you can pay and if you are going to need to apply for a home loan from any private bank. Your financial position will greatly influence your decision as this will also be able to determine what kind of property you should be looking for, what your financial limitations are, and whether or not you should start looking into housing loans.

Chat or talk to me.

📞0935-8485378
DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/23-785
PTR #5586779 dtd 01/31/2023
Email : [email protected]
Under REB PRC Lic No.0030774
DHSUD # NMR10-B-01/23-417

Do you wish to live in a quiet and windy community with a piece of a rural life ?
Come and visit San Antonio Homes at Balubal, Cagayan De Oro City, a secluded subdivision showing the mountains of Agusan Canyon .
Single-Firewall, Townhouse and Rowhouse units are still open for your reservation.

PM, text or call for details,

📞0935-8485378
DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/23-785
PTR #5586779 dtd 01/31/2023
Email : [email protected]

The Virtual Pag-IBIG APP is now up and running!

In time for our Chairman's Report tomorrow, we're done with our scheduled maintenance of the Virtual Pag-IBIG Mobile App! Thank you for your patience.

To transact with us anywhere, download or update to the latest version of the app now!

App Store
https://apps.apple.com/ph/app/virtual-pag-ibig/id6444034285

Play Store
https://play.google.com/store/apps/details?id=pagibigfund.virtualpagibigapp

*READ SPECIAL MESSAGE FOR DIVIDEND WATCHERS BELOW*👇 👇👇

P.S.
For our dividend watchers, dividends of your 2022 Regular Savings and MP2 will be credited soon! We will let you know when these are reflected in your Virtual Pag-IBIG account. Abangan ulit!

FURNISHED and FINISHED RFO Single Firewall (Shienna) units at San Antonio Homes Balubal, Cagayan De Oro is giving a FREE refrigerator and Microwave oven upon move-in.
Corner unit :
80sqm lot area @ 2,838,000
Inner unit :
60sqm lot area @ 2,687,500

Start investing in your future home with a Reservation Fee of 15,000 and a copy of 2 govt IDs. Remaining amount has to be paid in 60dqys.

For more details :
Message or call , 0935-8485378

Corner and Inner End units of HERA townhouse and MARGA rowhouse are NOW AVAILABLE ! 😮

First Come , First Reserve policy.

MARGA Rowhouse
Reservation Fee : 5,000.
Required Income : 10,000

HERA Townhouse
Reservation Fee : 10,000
Required Income : 36,000

Reservation Requirements are :
• 2 government IDs with signature
(with spouse if married)
• 1 month payslip
• Certificate of Employment and
Compensation
• Reservation Fee

Text or Call now for more details.
📞0935-8485378
DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/23-785
PTR #5586779 dtd 01/31/2023
Email : [email protected]

Only 3 READY FOR OCCUPANCY units are available.
30 days payment .
Move in a month after full payment.
Contract Price : 2,687,500

Inquire now.
📞0935-8485378
Dottie A Villanueva, RES

📣🔊📢📣 RE OPEN ALERT 📢🔊📣

End and inner Single-Firewall units at San Antonio Homes, Balubal are waiting for your reservation. Four of which are FURNISHED Ready for Occupancy units.

Hurry place your reservation now.
No holding of units.

Message or call me for more details.

📞0935-8485378
DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/23-785
PTR #5586779 dtd 01/31/2023
Email : [email protected]

https://drive.google.com/file/d/1aCZlT58b57CNDKRHjrcYa-Itk1vNy_st/view?ts=63ec3b85

PROMO for the 3 re opened units. Single Firewall and Ready for Occupancy.
🔸Complete finished
🔸Fully furnished
🔸2.687 spot cash

FULLY FURNISHED, Ready for Occupancy-Single Firewall units with appliances are available at San Antonio Homes, Balubal, Cagayan de Oro City.

Only re-opened 3 units available.

Don’t wait ‘till someone takes the house that is for you.

PM, text or call NOW.
📞0935-8485378
Dottie A Villanueva,RES

http://www.cdodev.com/2022/11/07/project-watch-balubal-indahag-mountain-diversion-road-as-of-november-2022-package-13-allocation-under-phase-ii-breaks-ground/?fbclid=IwAR0mT19ywyAFyZ6PhnpKGU7wUYMlLYbQLGf6EeTpNTfRKXJKUjqoViNBvlE&fs=e&s=cl #

PROJECT WATCH: Balubal-Indahag Mountain Diversion Road as of November 2022; Package 13 allocation under Phase II breaks ground Cagayan de Oro City 2nd Dist. Rep. Rufus Rodriguez recently led the groundbreaking for the continuation of the Cagayan de Oro Diversion Road Project from Jct Balubal at Sayre Highway to Pueblo de O…

The baby in your tummy brings luck for a re open 55sqm floor area townhouse 😊👏👏👏

Thank you Mr JLD and Mrs MTD for trusting me in your investment with San Antonio Homes, Balubal.

God Bless you both and your growing family🙏

ESTATE TAX AMNESTY - BE INFORMED

TIME TO TRANSFER THE TITLE OF YOUR INHERITED PROPERTIES

Good news to individuals with property inheritance. You can now settle the estate taxes of your property inheritance and transfer the titles of your properties under your name at a much lower cost.

The most awaited Tax Amnesty bill was signed into law by President Rodrigo Duterte last 14 February 2019 as Republic Act No. 11213 or the Tax Amnesty Act.

Although some provisions were vetoed, the estate tax amnesty provision was retained with minor changes.

Here are the salient provisions on the estate tax amnesty:

1. Coverage
The estate tax amnesty shall cover the estate of decedents who died on or before 31 December 2017, with or without assessments duly issued.

2. Rate and Basis
The estate tax amnesty tax rate is 6% of the decedent’s total net estate at the time of death, or 6% of the decedent’s undeclared estate if an estate tax return was previously filed with the BIR.

If the allowable deductions applicable at the time of death exceed the value of the gross estate, a minimum estate amnesty tax of PHP5,000 shall be paid.

The availment of the estate tax amnesty shall be done for every stage of the transfer of the property. This means that if the property is registered in the name of decedent(s) prior to the last decedent or the so-called multiple estates, the 6% tax shall be imposed on the net estate of every decedent. In other words, a one-time settlement across multiple estates is not allowed.

3. Period of Availment and Filing
Taxpayers can avail of the estate tax amnesty, within two (2) years from the effectivity of the implementing rules and regulations (IRR), by filing an Estate Tax Amnesty Tax Return and paying the tax in the BIR Revenue District Office (RDO) which has jurisdiction over the last residence of the decedent.

4. Effectivity
The Tax Amnesty Act shall take effect fifteen (15) days after its complete publication in the Official Gazette or in at least one (1) newspaper of general circulation. It was published in the online Official Gazette on February 18, 2019.

Those who availed of the estate tax amnesty and have fully complied with the conditions will be granted certain immunities and privileges under the law.

This is welcome news for taxpayers, especially for the heirs. This will make it affordable for the heirs to settle the estate taxes and transfer the title of the properties under their names.

The heirs will now be able to enjoy the benefits of their property inheritance and maximize the value of the inherited real estate assets.

Hera inner TOWNHOUSE across the amenity area is still available at San Antonio Homes, Balubal, Cagayan de Oro City. Complete with tiles and ceiling .

Contract Price : 1,512,500
Reservation Fee : 12,500

Downpayment for only
P8,333.33/month in 36 months.

Remaining amount will be filed for home loan with Pag-ibig or National Home Mortgage.

Completion date : 2023

Call for more details.
📞0935 8485378

DOTTIE A VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

Re open Single Firewall unit was reserved 5 days ago.
Available unit are TOWNHOUSES and one inner ROWHOUSE unit at Blocks 3, Lot 27.

Good News to our new investors📣

Block 9, Lot 51 - inner townhouse unit facing amenities (cluster 41) with an on going construction is still open for reservation.

Call and reserve now before someone else does.

📞0935 8485378
Dottie A Villanueva,RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785

RE OPEN 📣📣📣
ONE Inner unit of Sheinna Single Firewall unit.

Floor Area : 42sqm
Lot Area : 60sqm

Selling Price : 1,718,500
Reservation Fee : 18,500

Grab mo na❗️

📞0935 848 5378
Dottie Abrogar Villanueva

For site visit schedule,
Call : 0935-8485378
Dottie A Villanueva, RES

HERA TOWNHOUSE floorplan 2022 version.

Ground Floor :
✔️ 1st floor ceramic tiles
✔️ sliding glass windows
✔️ Toilet& Bath - tiled with
complete fixtures

Service Area :
✔️ concrete with tiled sink

2nd floor :
✔️ With room partition
✔️ 2nd floor vinyl tiles
✔️ with ceiling
✔️ sliding glass windows.

Finished unit for only : 1,512,500
Reservation Fee : 12,500
Downpayment for only
P8,333.33/month in 36 months.

Remaining amount will be filed for home loan with Pag-ibig or National Home Mortgage.

Call na!
📞0935-8485378

DOTTIE A VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

ONLY 3 inner unit of MARGA ROWHOUSE left.

Floor area : 22sqm
Type : bare
Reservation Fee : 7,500
Downpayment : 4,166 per month for 36 months
Required Income : 15,000 (pwede combined with co-borrower).

Nganong mag renta pa kung pwede kang mag hinay-hinay sa imong kaugalingon nga balay.

Reserve na while available pa.
Call : 0935 8485378

DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]

HERA TOWNHOUSE finished unit, 2022 version.

1st floor
✔️ ceramic tiles
✔️ tiled Toilet and Bath with
complete fixtures
2nd floor
✔️ 2nd floor vinyl tiles
✔️ with ceiling
✔️ with room partition
✔️ sliding glass windows.
Service area
✔️ concrete with tiled sink

Contract Price : 1,512,500
Reservation Fee : 12,500
Downpayment for only
P8,333.33/month in 36 months.

Call for more details :
📞0935-8485378
DOTTIE A VILLANUEVA, RES

San Antonio Homes at Balubal, Cagayan de Oro City is getting closer to the city proper with the new BALUBAL-INDAHAG MOUNTAIN DIVERSION ROAD.

RESERVE NOW while units are still available.

Call : 0935-8485378
Ask for Dottie.

Are you DREAMing to have your OWN HOME?
The choice is yours🤔
Paspas musaka ang presyo sa yuta ug balay. When do you think is the right time to invest? D ba NOW? While wala pa matukod ang balay ug maka avail ka pa sa stretched downpayment kung asa ma hinay-hinayan nimo nga WALAY GIPATONG NGA INTEREST.

San Antonio Homes at Balubal, Cagayan de Oro City. The cheapest townhouse in the city.
Contract Price : 1,512,500
Floor area : 42sqm
Lot area : 36sqm

Reservation : 12,500
DP 36mos : 8,333.33
Required Income : 35,000
(pwede combined)

You need help?
Call me at 0935-8485378

DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

STILL RENTING?

Don’t be stuck in a rent situation.
We all deserve to have a comfortable home of our own.
It is an affirmation of hard work and well-placed earnings put in a worthy investment that grows year by year.

Make a move now❗️

Call 0935-8485378. I will help you find your future home that fits your budget.

DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
Email : [email protected]

SAN ANTONIO HOMES in a 5.1 hectares, breezy location at Barangay Balubal , second district of Cagayan De Oro City has ONLY 3 inner and 1 end unit of MARGA ROWHOUSE left.

Floor area : 22sqm
Type : bare
Reservation Fee : 7,500
Downpayment : 4,166 per month for 36 months
Required Income : 15,000 (pwede combined with co-borrower).

Construction starts next year.

Renting is gööd; Having your own is better.

Reserve na while naa pay nabilin.
Call : 0935 8485378

DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

BE WISE and PRACTICAL.
Invest in a house nga mahimong imo ugma damlag. Renting is good, temporarily but paying for your own is still the best move.

Hera TOWNHOUSES, the cheapest townhouses in town is located at San Antonio Homes, Balubal, Cagayan de Oro City.
Floor area : 42sqm
Reservation : 12,500
DP 36months : 8,333.33
Required Income : 35,000
( pwedeng combined income )

🔸 Ceramic Floor tiles on 1st floor 🔸 Vinyl Floor tiles on the 2nd flr.
🔸 Ceiling on the 2nd floor
🔸 Tiled Toilet & Bath with complete fixtures
🔸 Concrete Service Area with tiled sink
🔸 Provision for 2BR
🔸 Provision for T&B in the Masters Bedroom.

Could be financed through Pag-ibig Fund (HDMF) or National Home Mortgage Finance Corporation (NHMFC)

For more details,
Call 0935-8485378

DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

📣 📣📣 SOLD OUT na ang
Sheinna Single Firewall
AVAILABLE :
Hera Townhouses.
Corner, Inner End and Inner units.

•Ceramic Floor tiles on 1st and Vinyl Floor tiles on the 2nd floor.
•Ceiling on the 2nd floor
•Tiled Toilet & Bath with complete fixtures
•Concrete Service Area with tiled sink
•Provision for 2BR and T&B for Masters Bedroom.

And it can be financed through Pag-ibig Fund (HDMF) or National Home Mortgage Finance Corporation (NHMFC)

Tawag na❗️
0935-8485378
Dottie Abrogar Villanueva

📣📣📣 LOWER DOWNPAYMENT for this month of February.

Sheinna Single Firewall
9,444.44 per month for 36mos
Hera Townhouse
8,333.33 per month for 36mos
Marga Rowhouse
4,166.66 per month for 36mos

Can be financed through Pag-ibig Fund (HDMF) or National Home Mortgage Finance Corporation (NHMFC)

“Loan Processing is our job; Completion of Requirements are yours.”

For more details call :
📞0935 8485378

Dottie Abrogar Villanueva,RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

Bare type MARGA ROWHOUSE is available for 4,166 per month at San Antonio Homes, Balubal , Cagayan De Oro City.

Kung miabot ug 15,000 imong Monthly Income, pwede ka nang maka angkon ug kaugalingon nimo nga balay ug yuta. Pwede pod isahon imong kita sa imong pares o sa imong ka pamilya.

Be practical. Invest in a house nga mahimong imo ugma damlag. Renting is good, temporarily but paying for your own is much better.

Ask me how.
Call 0935-8485378

HERA TOWNHOUSE at San Antonio Homes , Zone 5 Balubal, Cagayan De Oro City.

🔸 Ceramic Floor tiles on 1st floor.
🔸 Vinyl Floor tiles on the 2nd floor.
🔸 Ceiling on the 2nd floor
🔸 Tiled Toilet & Bath with complete fixtures at the ground floor.
🔸 Concrete Service Area with tiled sink.
🔸 Provision for 2BR.
🔸Provision for T&B at the Masters Bedroom.

Can be financed through Pag-ibig Fund (HDMF) or National Home Mortgage Finance Corporation (NHMFC)

End and inner units are available.

Let’s schedule a site visit,
call : 0935 8485378

DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

Nabalaka ka ba nga dili mo qualify imong sweldo sa pag kuha sa balay ug yuta?

Sa 15,000 Gross Monthly Income nimo, pwede ka na maka angkon ug 22sqm floor area nga ROWHOUSE. Kung abot pod ug 35,000 ang inyong GMI or Gross Monthly Income, qualified ka sa 2-storey 42sqm floor area nga townhouse.
Pwede isahon ang sweldo ninyo mag asawa OR magdala ka ug co-borrower para lang muabot ang required income.

Sa dugang pangutana ug kung kailangan nimo ug assistance, ayaw kaulaw ug tawag sa
0935 8485378. Dottie Abrogar Villanueva

ZERO INTEREST on DOWNPAYMENT😍

SAN ANTONIO HOMES, a gated community showing the mountains of Agusan Canyon with 24/7 Security at Balubal, Cagayan De Oro offers the CHEAPEST Single Firewall and Townhouse units in the city.
🤩Ceramic Floor tiles on 1st and Vinyl Floor tiles on the 2nd floor.
🤩Ceiling on the 2nd floor
🤩Tiled Toilet & Bath with complete fixtures
🤩 Provision for 2BR and T&B for Masters Bedroom.
🤩 Cemented staircase with steel handrail
🤩 Concrete Service Area with tiled sink.

Can be financed through Pag-ibig Fund (HDMF) or National Home Mortgage Finance Corporation (NHMFC).

For more details call :
0935 8485378

DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

"Time is what we want most, but what we use worst."

Loan Term up to 60 years old (30 years if you are 30 years old now).

Maximize the value of your money over time.
Land Value does not wait for your salary to increase and your age to be eligible.

Ask me how!

📞0935-8485378
DOTTIE A. VILLANUEVA, RES
PRC Accreditation No 011405
DHSUD # NMR10-A-01/22-785
PTR #1440594 dtd 01/12/2022
Email : [email protected]

Own a semi-finished
MODERN HERA TOWNHOUSE with a breathtaking natural Mountain View at Balubal, Cagayan De Oro City.

Floor Area : 42sqm
Lot Area : 36sqm (Inner Unit)

🔸 2 Bedrooms (provision)
🔸 Toilet and Bath with tiles and
fixtures (ground floor)
🔸 Provision for Toilet&Bath at the
second floor
🔸 Tiled flooring on 1st & 2nd floors
🔸 Concrete service area with tiled
lavatory

Total Contract Price : 1,212,500.00
Less Reservation fee : 12,500.00
Equity in 36months : 9,165.71/mo

Loanable Amount of P960,000.00 to be financed thru Pag-IBIG HDMF or National Homes Mortgage Finance Corp. (NHMFC).

Estimated monthly amortization:
30 years : 6,200 Monthly
25 years : 6,600 Monthly
20 years : 7,300 Monthly
15 years : 8,500 Monthly





For details call :
(0935) 8485378

Dottie Abrogar Villanueva
Real Estate Salesperson
PRC Accreditation No 011405
DHSUD # NMR10-A-01/21-785
Email : [email protected]
PTR # 5346943 Dtd 2/01/21
Endorsing Broker:
Eulalia Abarquez
REB PRC License No.0030774
DHSUD # NMR10-B-01/21-417

You still have a chance to avoid foreclosure or cancellation to save your house! Apply for the Pag-IBIG Special Housing Loan Restructuring 2!
It's only until December 31, 2021 so go! Keep the home you love with the help of Pag-IBIG Fund.

May chance ka pang iwasan ang foreclosure or cancellation para maisalba ang bahay mo! How? Click www.pagibigfundservices.com/virtualpagibig/HLR/Reminder.aspx to apply for the Pag-IBIG Special Housing Loan Restructuring 2!

Hanggang December 31, 2021 na lang ‘to kaya go na! Keep the home you love sa tulong ng Pag-IBIG Fund.

The only BAD TIME to invest in a house & lot is LATER. Because it INCREASES IT’S VALUE often.

Busa kung income earner ka, start saving in real estate.

Marga ROWHOUSE

🏠 Corner End unit
Lot area: 68sqm
Floor area : 22sqm

TCP: P751,500
Reservation Fee: 7,500
Equity:
36mos - 9,963.33

🏠 End unit
Floor Area : 22sqm
Lot Area : 54sqm

Selling Price : 688,500
Reservation Fee : 7,500
Equity :
36mos - 8,822/mo

🏘 Inner unit
Floor Area : 22sqm
Lot Area : 36sqm

Selling Price : 607,500
Reservation Fee : 7,500
Equity :
36mos - 5,728.57

Pag-ibig Financing
Loanable Amount : 450,000
30years - 2,800 per month

Construction starts next year.

For details and reservation,
Call 0935-8485378

SAN ANTONIO HOMES, a gated community with 24/7 Security at Balubal, Cagayan De Oro offers the CHEAPEST Single Firewall Sheinna units in the city.
✔️Floor tiles on 1st and 2nd floors
✔️Ceiling on the 2nd floor
✔️Tiled Toilet & Bath complete fixtures
✔️Provision for 2BR and T&B for Masters Bedroom.

Inner Unit
Floor Area : 42sqm
Lot Area : 60sqm

Selling Price : 1,718,500
Reservation Fee : 18,500

Equity :
24 mos at 17,283.32/mo
30 mos at 13,826.67/mo
36 mos at 11,522.23/mo

Loanable Amount: 1,360,000
Pag-ibig Financing
30 years term : 8,373.75 /month
25 years term : 8,971.50 /month
20 years term : 9,940.60 /month

Turn over after loan release.

We accept online reservation.

For your reservation ,
pls call 0935-8485378
Ask for Dottie Abrogar Villanueva

20/80 Equity payment has ended. We are all back to straight 12, 24 or 36 months Equity payment .