Property Deals

🏡 PAG-IBIG HOUSING LOAN TIPS 🏡

Join our community : KaBahay Community Blueprints, Building permit, House Design, Bahay sa Pinas

If kumuha ka ng house sa subdivision through PAG-IBIG, take note of these tips:

🌺 Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

🌺 Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal. I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34 Monthly Amortization:

P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal
= P9,555.34 total monthly Amortization

🌺 This is how you compute your monthly interest. Bigay ko na example yung amin.

1.6M = principal (total amount ng utang namin)
5.375% = annual interest
divided by 12 months

1.6M x 5.375% ÷ 12 = P7,166.67

🌺 That's why, it is highly recommended to pay in advance sa principal mismo if you have extra money para lumiit din ang interest na binabayaran mo. For example, after 5 years, 1M na lang principal mo so 1M x 5.375% ÷ 12 = P4,479.17

🌺 Di bababa ang monthly amortization mo BUT because smaller na ang interest, BIGGER na ang kaltas sa principal mo.

🌺 If you have extra money and you want to pay in advance, go directly to pag-ibig office and sabihin EXCESS TO PRINCIPAL yung payment mo.

---For example, magbabayad ka ng 50k and
10k ang monthly amortization,
the excess which is 40k will be deducted directly sa principal amount mo. So nakabayad ka na ng monthly Amortization, nabawasan pa principal mo.

🌺 Iwasan mag advance payment sa monthly amortization sa bayad centers. Mababa lang nababawas nyan sa principal mo. Bayad ka na lang sa principal.

---For example, if nag bayad ka sa payment centers ng 50k for your monthly amortization, meaning you don't need to pay for 5 months kasi nag advance ka na sa monthly amortization mo. Pero ang liit lang ng kaltas nyan sa principal mo.

🌺 You can pay the principal ONLY IN PAG-IBIG OFFICE not in bayad centers.

🌺 For example, nakabayad ka na ng monthly mo sa bayad center last April 1 tapos may extra money ka pala before your due date and you want to pay in advance, pwede pa yan. Punta ka ng pagibig office and say you'll pay DIRECT TO PRINCIPAL. Para whole amount na mabayad sa principal.

That's based on my experience and based sa sabi ng staff sa pagibig. If you have other tips, please share it. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang. God bless mga kapitbahay. 😁



Ctto

Hello everyone!

📣HABOL NA BAGO MAG PRICE INCREASE!! 😱😬

🏘️LIORA HOMES💛

✅Bahay na may Free Solar Panel System para makatipid sa kuryente🤩
✅Bahay na may Free Screendoor at Window Screen para iwas lamok😲
✅Bahay na may Free Water Tank para makasave ng Tubig😮
✅Bahay na magiging sayo pero installment mong babayaran para di ka mabibigatan🤩
✅Bahay na may carport😍

Model House:AMORA 🌺
Located @ Brgy.Malainen Naic, Cavite

📌LA-50 SQM
📌FA-44 SQM

HOUSE FEATURES 🏠:
📌Carport
📌2 Bedrooms
📌1 Toilet & Bath
📌1 Service Area

AMENITIES :
🔸Gate & Guardhouse
🔸Swimming Pool
🔸Clubhouse
🔸Sports Hub

Tara na sa pinakamurang House & Lot sa Naic Cavite na may Carport and swimming pool ❤️

Licensed Broker
BONI ANDREW DOMINGO
PRC REB Lic #0019255
HLURB/DHSUD #006803

WE ACCEPT ONLINE RESERVATION & PROCESSING
Feel free to inquire ‼️

‼️‼️ HETO NA PINAKAHIHINTAY NA
"PABAHAY SA RIZAL" ‼️‼️

NO DOWNPAYMENT ‼️
10K CASH OUT LANG!

MABILIS NA TURN OVER
LIMITED UNITS only

✅ 1st come 1st serve!

PA-LINE UP NA
Initial Documents lang muna
At 10K RESERVATION FEE‼️

Thinking about why you should invest a personal asset?

It’s proven and tested that investment in property is the best investment option compared to other stocks. It is considered the major decision in life where the property values fastly appreciate, giving passive income, and leverage to build wealth after a few years.

Start your house and lot investment now for as low as PHP 5,000.00 reservation fee while it’s affordable and makes your hard-earned money work for you!

Read the top reasons below why choosing to invest with us!

For more details, feel free to contact us!

Invest now in Real Estate! Pm me! 💌

Affordable Townhomes at La Rosa Homes, Baras Rizal!

May 3k amortization para sa mga minimum wager.

Choose your unit now!!!

🏡 Lanie Single Attached
🏡Abegail Duplex
🏡Francisca Townhouse
🏡Adrielle Duplex Bungalow
🏡Rose loft
🏡Amelia Rowhouse

Amenities :
🍀 Clubhouse
🍀 Basketball Court
🍀 Playground
🍀 Swimmingpool
🍀 Transportation hub

Free tripping assistance
Contact me now for inquiries.

Affordable Townhomes at La Rosa Homes, Baras Rizal!

May 3k amortization para sa mga minimum wager.

Choose your unit now!!!

🏡 Lanie Single Attached
🏡Abegail Duplex
🏡Francisca Townhouse
🏡Adrielle Duplex Bungalow
🏡Rose loft
🏡Amelia Rowhouse

Amenities :
🍀 Clubhouse
🍀 Basketball Court
🍀 Playground
🍀 Swimmingpool
🍀 Transportation hub

Free tripping assistance
Contact me now for inquiries...

Murang downpayment ba ang hanap?
Kaiang-Kaia mo na dito sa Kaia Homes! 😍

for as low as 3,743 per month only !😱

☑️Very accessible sa mga areas like school and Colleges, retail stores, fastfood chain amd restaurants
☑️Approximately 1.15 hr lang from Pitx
☑️Malapit sa highway

Located at Brgy Palangue, Naic Cavite

🏡 Helena Townhouse
✅ Lot area : 38 sqm
✅ Floor area : 43 sqm
✅ Provision for 2 bedrooms
✅ 1 bathroom

Amenities :
🍀 Clubhouse
🍀 Covered Court
🍀 Transport hub

For inquiries, contact me now.

Pabahay para sa mga minimum wage earner!!!

🏡 Bella Vita by Ayala Land🏡

For as low as 3k per month only 😱

🏡Poli Rowhouse
✅Provision for 1 bedroom
✅1 bathroom

Available locations :
☑️ Batangas
☑️ Laguna
☑️ Pampanga
☑️ Tarlac
☑️Cabanatuan

For inquiries, contact me.

Nangangarap ka ba na magkaroon ng sariling mong bahay pero sapat lang ang sahod mo? O gusto mo lang ng investment na bahay at lupa para sa future mo? Sa panahon ngayon san aabot ang 2k plus mo?
Calling all minimum wage earners, contractual man o regular, managers, tara na usap tayo at ng matulungan ka naming maabot ang pangarap mo dito sa La Rosa Homes Rizal.

Location: Sitio Quitiong, Brgy San Salvador, Baras, Rizal

🏡 Amelia with Socialized House with Mezzanine
☑️ Lot area : 36 sqm
☑️ Floor area : 30.5 sqm
☑️ 2k monthly amortization

🏡 Rose 1-storey Lofted Townhouse
☑️ Lot area : 36 sqm
☑️ Floor area : 40.43 sqm
☑️ 5k Monthly amortization

🏡 Francisca 2-Storey Residential Townhouse
☑️ Lot area :40.5 sqm
☑️ Floor area :45.20 sqm
☑️ 7k monthly amortization

🏡 Abegail 2-Storey Duplex House
☑️ Lot area : 49 sqm
☑️ Floor area :51.30 sqm
☑️ 9k monthly amortization

🏡 Lanie 2-Storey Single Attached House
☑️ Lot area :144 sqm
☑️ Floor area :149.50 sqm
☑️ 22k monthly amortization

Reserve now!!!

Socialized home loans accounted for 19 percent of the total 47,184 housing units funded for the period of January to June this year. https://bit.ly/3cokhhx

ITO NA ANG SIGN NA KUMUHA KA NA!
MARAMI DITONG PASOK SA INCOME MO.

PM MO KO.
TULUNGAN KITA!

ccto

Imagine, sa halagang 10k lang pwede kana magkabahay. 😳🤩🎉

❗❗❗ Pagsinag at Brgy. Timaclan, Naic, Cavite❗❗❗
Oo friend, NO DOWNPAYMENT kase ito as in ZERO EQUITY. Literal na 10K CASH out lang as reservation fee then wait nalang tayo approval ng pag ibig tapos lipat kana! Ang daling magkabahay diba? 😊
Pag nakalipat kana saka ka mag sisimula maghulog ng monthly amortization mo na 5k only per month. Odibaaa? Gusto mo yern? tawag jan friend!

Interested ka ba? Pm is the key. Wag mahihiyang mag tanong. Libre yan! 🤩😘❤️

𝘼𝙈𝙄𝙇𝙔𝘼𝙍 or 𝙍𝙀𝘼𝙇 𝙋𝙍𝙊𝙋𝙀𝙍𝙏𝙔 𝙏𝘼𝙓

We got our property last 2018, but it was only last year that I got aware of this when I attended a tax planning workshop. Regardless, whether it's still mortgaged or not, it is now our responsibility as owners to settle the amilyar or RPT on time.

The things I learned so far:

1. How much do we need to pay?

For Metro Manila, RPT rate is at 2% while provinces should not exceed 1% of the assessed value.

2. Where to pay?

Treasurer's Office in the City or Municipal Hall where your property is located.

3. What document/s to bring?

Any of the following:

✔️ Transfer Certificate of Title
✔️ Tax Declaration Number
✔️ Previous Official Receipt

- I acquire all these from our developer. No need for hardcopy, I just presented the photos.

4. When is it due?

Payment can be made annual on or before January 31. Or quarterly on or before the following dates:

March 31 - 1st installment
June 30 - 2nd installment
Sept 30 - 3rd installment
Dec 31 - 4th installment

5. What happens if we don't pay our property taxes?

If not settled promptly, penalties will be incurred. Property will be tagged tax-delinquent, or worst case, could be offered by the local government for public auction.

There you go!

In our case, I opted to pay it in full because that's where the discount comes in, 15% in our location. And it's a guarantee that I won't miss any of the mentioned dates. 😅

To avoid any hassle in the future, let's make sure to settle our Amilyar or RPT on time. Apart from the discount we can avail, it can save us money too by avoiding the penalties. And of course, the peace of mind it offers. 💛

-Verma Salvoro
-HomeBuddies

CCTO

🌴BRIA HOMES SJDM BULACAN🌴

🍂Alam mo bang 20 minutes away lang ang MRT 7 SJDM Station sa Bria Homes San Jose Del Monte?
🍂 Sa halagang 9,391 monthly meron ka nang complete turnover na townhouse with water and electric installed na paglipat mo.
🧡Diba ang sarap umuwi sa Bria Homes dahil malapit nalang into sa trabaho mo?
Located at Brgy. Muzon, SJDM Bulacan

🍁BETTINA INNER & END UNIT 🍁
☑ provision for 2 bedrooms (FREE PARTITION)
☑FREE TILES
☑1 toilet &bath
☑living room
☑service area
☑1 car garage
👉status - Preselling

With Easy move in promos:
✔ FREE Water Application
✔ FREE Electric Application
✔ FREE HOA Membership fee
✔ Waived Bank CHarges

KNOWLEDGE 101‼️

🔸️LAND TITLE VS TAX DECLARATION 🔸️

The Difference between the Certificate of Title versus Tax Declaration in the Philippines

🔻🔻🔻🔻🔻🔻🔻🔻🔻
CERTIFICATE OF TITLE
1. A document evidencing a right of ownership to a property
2. A document that attest to the fact that the person named is the owner of the property described therein subject to liens and encumbrances noted on it
3. It is registered with the Register of Deeds of the province or city where the land is located
4.The Certificate of Title is indefeasible and imprescriptible
5. All claims to the land are quieted upon issuance of this document
6. Recorded with the Register of Deeds of the municipality, city, or province where the land is located.

🔻🔻🔻🔻🔻🔻🔻🔻
TAX DECLARATION
1. A document that show good sign of possession only in the concept of owner, not ownership
2. Not conclusive evidence of ownership to property, but only a proof of payment of realty taxes
3. Recorded with the Assessor’s Office of every municipality or city where the land is located

▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️
Ang pagmamay-ari ng lupa ay napapatunayan sa pamamagitan na hawak na titulo na kung tawagin ay ang Transfer Certificate of Title (TCT) o Condominium Certificate of Title (CCT). Ayon sa maraming Supreme Court decisions “the best proof of ownership of a piece of land is the Certificate of Title” (Halili vs. Court of Industrial Relations, 257 SCRA 174 [1996]). Ito ang tinatawag na titulo ng lupa at wala nang iba pa.

Ang "tax declaration ay hindi titulo ng lupa. Maraming Supreme Court decision din ang nagsasabi na "Tax declarations and receipts are not conclusive evidence of ownership. At most, they constitute mere prima facie proof of ownership of the property for which taxes have been paid. In the absence of actual, public and adverse possession, the declaration of the land for tax purposes does not prove ownership." Ibig sabihin nito na ang tax declaration ay hindi siguradong ebidensiya ng pagmamay-ari ng lupa. While tax declarations and receipts are not conclusive evidence of ownership and do not prove title to the land.
▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️▪️

Ang tax declaration ay pwedeng i-apply para maging titulo. May dalawang pamamaraan ng pagpaparehistro ng lupa, ito ay ang sumusunod:

1. Judicial Proceeding – kung saan kinakailangan ninyong magfile ng petisyon para sa registration sa korte.

2. Administrative Proceeding –ito ay pamamaraan kung saan mag-file ng application para sa “Homestead Patent” sa DENR at ang registration ng patent na ito ang magiging batayan para sa pag-isyu ng Original Certificate of Title alinsunod sa Commonwealth Act 141 o ang “THE PUBLIC LAND ACT”.

CCTO

Knowledge 101‼️

Beware of the word “Clean Title”.
You can only call it clean title IF;

⭕ Owners that appears in the title of the property are still ALIVE & CAN SIGN documents

⭕ NO disputes attached in the title AND “certified true copy” of the title.

Please take note of the “AND” because not all disputes are printed in the original title itself. Thus, it is very important to request for the latest certified true copy of the title.

⭕ All real estate taxes are paid on time. Always request for latest real estate tax clearance.

⭕ The owners are married (on or after 1987) The property is considered conjugal even if only one property owner is in the title. Both should sign sale documents. Should the property owner dies, heirs should file and pay for the estate tax of all the properties.

⭕ The property estate taxes are not yet paid, the property cannot be called “CLEAN”.

⭕ Magkaiba po ang real estate tax na binabayaran ninyo annually at ang estate tax (BIR FORM 1801) You only pay estate tax if the owner in the title is already dead. Penalties (like big penalties) apply for late filing.

Public service lang po 🙂. Ang estate tax clearance po is NON-NEGOTIABLE. Kailangan talaga syang e file at bayaran whether you like it or not, pag namatay ang owner na nakalagay sa title.

Original post : Lillybeth Sabanai Palamos

ZERO DOWNPAYMENT LIPAT KAAGAD!
Gusto mo ba mag karoon ng sarili mong Condo unit? Reservation fee lang po at 1 Month advance payment malilipatan na kaagad.

Urban Deca Homes Manila, offers you the best Payment Terms and Quality Homes😊
✅5k RESERVATION ONLY
✅READY FOR OCCUPANCY
✅FAST APPROVAL
✅PERPETUAL OWNERSHIP/LIFETIME
✅PET FRIENDLY COMMUNITY
✅24/7 SECURITY WITH CCTV’S

Available Units:
🏠Studio Type Unit | 22.95 sqm
🏠2 Bedroom | 30.60 sqm, 32.17 sqm, 45.9 sqm

For more details just call or message me:
📞0927-886-8479 (Globe & Viber)

📣RFO AND NO EQUITY ‼️

WESTDALE VILLAS TANZA
Located in Brgy. Punta Dos, Tanza, Cavite

2-STOREY TOWNHOUSE INNER UNIT
Lot area: 36 sqm.
Floor area : 45 sqm.

Thru Pag ibig housing Loan
✅Near Cavitex and Calax
✅Along the Highway
✅Near Vista Mall Tanza
✅Puregold Tanza
✅Robinsons General Trias
✅SM Trece Martires
✅SM Rosario

📌5k reservation fee
📌11,699.07 monthly amort.

Book your tripping now !

House and lot for sale!!!
Malaking lote at Single Attached na for as low as 6,685 per month! 😍

Location: Brgy Calansayan, San Jose Batangas

🏡 Jasmine Single Attached 🏡
▪️Lot area: 86.25 sqm
▪️Floor area: 44. 5sqm
☑️Provision for 2 bedrooms
☑️1 toilet and bath
☑️kitchen area
☑️Dining area
☑️provision for carport

💯Flood free

Message me now for more details!!!!

Murang Townhouse for only 6,706 per month!!! 😱😱😱
De kalidad na at mura pa!

🏡RCD VILLAS DE TRECE
▪️Lot area : 40 sqm
▪️Floor area : 65 sqm

☑️Provision for 2 bedrooms
☑️Toilet and bath
☑️Living area
☑️Kitchen area
☑️Dining area

Amenities :
☑️Clubhouse
☑️Basketball court
✅Swimming pool
✅Playground

Located@ Brgy San Agustin, Trece Martires Cavite.

NEWLY LAUNCH PROJECT IN MANNA EAST TERESA RIZAL ‼️ PRESELLING HOUSE AND LOT ‼️

📍New Fields is located in Brgy. Dalig, Teresa, Rizal

AMBER-Two storey Single Attached/Duplex
Lot Area: 90 sqm
Floor Area: 40.31
2 Bedrooms
1 Toilet & Bath
Space for Carport

HLURB LTS No. 033324
Manna East is located in Brgy. Dalig, Teresa, Rizal. Just a few minutes from Antipolo, Manna East is easily accessible with various types of public utility vehicles plying the area.

Landmarks:
• Sta. Rosa de Lima Church – 2.4 km
• Teresa Elementary School – 2.7 km
• Teresa Public Market – 2.4 km
• Manila East Medical Center – 12 km
• SM Taytay – 13 km
• Robinsons Place – Antipolo – 8.9 km
• La Salle College of Antipolo – 6.4 km
• Assumption Antipolo – 9.3 km
• SM Masinag – 19 km

Project Amenities:

Clubhouse
Swimming Pool
Kiddie Pool
Play Area
Multi-purpose Court

INQUIRE NOW AND SCHEDULE YOUR TRIPPING

🇵🇭 🇵🇭 🇵🇭 KABAYAN ‼️

NO DOWNPAYMENT /NO EQUITY PROMO ‼️

5k lang ang ilalabas...

🏡WESTDALE VILLAS 🏡
lot area : 36 sqm
Floor area :42 sqm
Provision for 2 bedrooms
1 bathroom
Kitchen area
Dining area
Living area
Service area

♦️Very accessible
♦️Malapit sa lahat
♦️Along the Highway
♦️Pag-ibig Housing
💯Flood free
🧡 1 bus ride to MOA/PITX

Located at Brgy Punta Dos Tanza Cavite

Interested? Message us now!!!

PASALO CONDO!

Trees Residences by SMDC
Location: Fairview, Quezon City
Floor Area: 30.36sqm
Type: 2BR
TCP: 2.9M

DP 650k negotiable

For assume balance
Turn over December 2022

AMENITIES:
Clubhouse
Swimming Pools
Basketball Court
Parks and Garden
Commercial Strip

See Brochure:
https://smdc.com/content/uploads/2020/09/Trees-Residences-Brochure.pdf?view=download

Checkout our Integrated Smart Condominium Unit located along Commonwealth Avenue Aurora Boulevard, Quezon City!!!
Only 5 mins away from La Mesa Ecopark

🏡Grand Mesa Residences 🏡
Available :
☑️1 bedroom unit
☑️2 bedrooms unit
☑️Combined units

For as low as 15k Reservation fee
Low monthly downpayment

Amenities :
🍀 Lobby
🍀Roof deck Jogging path
🍀 Swimming Pool
🍀 Function room

For inquiries, message us now...

Good news everyone!

LRex - Caticlan units are selling like hotcakes!

We are overwhelmed to inform you that the promo for the first 5 buyers with a 300k discount has been reached in just a few days!

As our way to thank you for your undying support, we are extending the introductory promo. We are giving a limited 100k discount from the 6th to 10th buyers.

Hurry! Don't miss a chance at owning a house near the beautiful Boracay and get to enjoy a discounted price!

Murang Bahay at lupa ba na malapit sa lahat ang hanap? Along the highway lang!!!
For as low as 15k Reservation fee

🏡 Canelon Townhouse 🏡
✅ Lot area : 46 sqm
✅ Floor area : 46 sqm
✅ Semi-complete Finished
✅Provision for 2 to 3 bedrooms
✅ Toilet and Bath
✅ Kitchen area
✅Dining area
✅Living area

Located@ Brgy Langkaan 1 Dasmariñas, Cavite
✔️Near Tagaytay
✔️Near Robinsons mall

For inquiries, message us now...

Our Licensed Real Estate Broker
BONI ANDREW DOMINGO
PRC REB Lic #0019255
HLURB/DHSUD #006803

📣Rizal House and lot for sale📣

❣️❣️❣️RENT TO OWN ❣️❣️
Ready for Occupancy and Preselling are available now!!!

The Nest Oasis located , SAN MATEO RIZAL

For as low as 20k reservation fee

☑️ along Miguel Cristi Street, walking distance to Hiway
☑️ walking distance to commercial establishments, schools, market
☑️front of St. Matthews College
☑️near SM City SanMateo, pweding Lakarin
☑️Flood free area

House Features:
✅3 Bedrooms
✅3 Toilet and Bath
✅1 Maid’s Quarter
✅1 Service Area
✅1 Carport

For inquiries, message us now...

Affordable townhouse properties start at 6,528 in 23mos only in a gated subdivision in Brgy. Caingin, San Rafael, Bulacan
Fully Fitted Unit Turnover! ALL IN! WALA KANA IPAPAAYUS PA!

Nearby Areas;
Primeworld Enclave

Accessible to:

10 mins. from San Rafael Municipal
17 mins. from Baliuag Centro
35 mins. to NLEX (via Plaridel Bypass Rd.)
50 mins. to Metro Manila (via NLEX)

15 mins. to San Rafael Public Market
15 mins. to Baliuag Public Market
18 mins. to SM Baliuag

5 mins. to St. Paul College, San Rafael
8 mins. to San Rafael Central Elementary School
10 mins. to Sto. Niño Academy of San Rafael

7 mins. from San Rafael Community Hospital
9 mins. from Rugay General Hospital
10 mins. from Baliuag District Hospital

15 mins. to 8Waves Water Park & Resort
18 mins. to La Florentina Resort
19 mins. to San Rafael River Adventure

Total land area: 11 ha
Price Range: PHP 1.8M - 2M

ELIANA

House and Lot
Unit Type: Townhouse
Lot Area: 41 sq. m.
Floor Area: 46 sq. m.
Number of Floors: 2
Number of Bedrooms: 2
Price Range: 1.8M -2M

Amenities
Key features include:
- Gated Residential Subdivision
- 24/7 Security
- Playground
- Park and Playground
- Basketball Court
- Garden Walkway / Jogging Path
- Commercial Area
- Shuttle Terminal

PROMO: 20,000 DISCOUNT UNTIL May 2022

For more details, message us now.