Affordable Properties - Buy • Sell • Rent • Invest • Manage

16/10/2024

Buyer's sellers know this 🤔

Here are some tips when you plan to sell your home! 💡

Contact a real estate agent now 😉

09/05/2024

Tips for Paying Off Your Pag-IBIG 30-Year Home Loan Early

Are you tired of the burden of a 30-year home loan from Pag-IBIG hanging over your head? The thought of being in debt for three decades can be daunting, but fear not! With strategic planning and disciplined financial management, you can pay off your home loan ahead of schedule and save thousands of pesos in interest payments. Here are some tips to help you achieve this goal:

1. Increase Your Monthly Payments: One of the most effective ways to pay off your Pag-IBIG home loan early is to make extra payments to the PRINCIPAL amt whenever possible. Even a small increase in your monthly payment can significantly reduce the principal amount and shorten the loan term.

2. Make Biweekly Payments: Instead of making monthly payments, consider switching to a biweekly payment schedule. By doing so, you'll make 26 half-payments each year, which is equivalent to 13 full payments. This extra payment can help you pay off your loan faster.

3. Utilize Windfalls: Whenever you receive unexpected money, such as a bonus, tax refund, or inheritance, consider putting it towards your home loan. Windfalls provide an excellent opportunity to make a lump-sum payment and reduce your outstanding balance.

4. Refinance to a Shorter Term: If your financial situation allows, consider refinancing your 30-year Pag-IBIG home loan to a shorter term, such as 15 or 20 years. Although your monthly payments may increase, you'll pay less in interest over the life of the loan and own your home sooner.

5. Cut Expenses and Redirect Savings: Take a close look at your budget and identify areas where you can cut expenses. By reducing discretionary spending and redirecting savings towards your mortgage, you can accelerate your journey towards debt-free homeownership.

6. Generate Additional Income: Explore opportunities to increase your income, such as taking on a part-time job, freelancing, or starting a side business. The extra income can be used to make larger mortgage payments and expedite the payoff process.

7. Avoid Additional Debt: While paying off your Pag-IBIG home loan early is a commendable goal, avoid taking on additional debt in the process. Resist the temptation to finance big-ticket purchases with credit cards or personal loans, as it can hinder your progress towards financial freedom.

Remember, paying off your Pag-IBIG home loan early requires discipline, sacrifice, and careful financial planning. But the peace of mind and financial stability that come with owning your home outright are well worth the effort.

Ctto:

30/03/2024

Sale or Assume House and Lot near Gaisano Tisa Cebu, City🔥

Big Savings New Price: 8.6M

🏠Sta Monica Estate Subdivision
Location: back of Gaisano Tisa Labangon Cebu, City

🏠Townhouse inner unit
Lot area :48sqm
Floor area 92sqm
3 bedroom
2 bathroom
Carport

Assume Price : ₱ 1,914,240 Pay to Seller side pwede ra 50% Downpayment balance nga 50% payable 36 months.
Total Selling Price : ₱ 5,799,760.00
Balance loanable thru bank : ₱ 3,885,760.00
Transfer of Ownership fee : ₱ 125,000.00

Unit status more or less 95% complete

Need more information PM us

03/03/2024

👉Fully Furnished Studio Unit For Rent in Avida Riala

👉Accept Monthly Rental
- 1 month: P54,000.00 (inclusive of all bills)
- 3 months: P50,000.00 (inclusive of all bills)
- 6 months: P48,000.00 (Inclusive of all bills)
- 1 year contract: P40,000.00 (inclusive of all bills)

Unit Details:
-Floor Area : 22.89 sqm
- Air conditioning
- Bidet
- Body Soap
- Shampoo
- Conditioner
- Clothing Storage
- Dedicated Workspace
- Dining Table
- Dishes and Silverware
- Elevator (up to 29th Floor)
- Essentials
- Fire Extinguisher
- Freezer
- Hair dryer
- Hangers
- High Chair (Flexible)
- Hot water kettle
- Iron
- Kitchen
- Kitchenette
- Laundry Nearby
- Microwave
- Outdoor Playground
- Swimming Pool
- Outdoor Shower
- Oven
- Refrigerator
- Rice Maker
- Stove
- Trash Compactor
- TV
- Wifi (200mbps)
- Wine Glass

27/09/2023

Real Estate 101 🔥

Transfer of Title; From mother Title to individual Subdivided Lot

The duration of the Transfer Process depends on the Nature and Origin of the Title.

In most cases, the ”Mother” title or the title that covers the entire property is usually under the name of the deceased parents or relatives of the Seller. This scenario takes the longest time to process. To wit:

1. Ex*****on of the EXTRAJUDICIAL SETTLEMENT OF ESTATE either for Partition or Sale. The ex*****on may take time because it requires the presence of all the heirs who have shares or interest of the property.

2. Next would be the Publication of the ExtraJudicial Settlement of Estate and the Processing and Payment of the Estate Tax.

3. Simultaneously, if the heirs agreed to a certain partition , they must Hire a competent Geodetic Engr., to survey and plot the Subdivision plan based on the agreed partition. Then, it will be submitted to DENR for approval. (This will usually take 3-12 months depending on the DENR.)

4. Upon completing the Publication Requirements, the heirs can now proceed with the BIR to settle the estate tax and wait for eCar to be released. (Usually 3-6 weeks)

5. Once the eCar is released, you may now proceed to the Registry of Deeds to update the Title. From the Old Title named after the deceased parents to the HEIRS.

6. Once the DENR will release the approval of the Partition/Subdivision plan, the heirs may now proceed to the Registry of Deeds (ROD) to apply for the Splitting of Title. This may take up to 6 weeks.

7. After the Titles are individualized and released, the heirs may now proceed to the Assesors for assessment, inspection and issuance of individual Tax Declaration.

8. Note: properties under estate taxes and subdivided among heirs will be annotated with encumbrances for its Liabilities under Sec. 4 Rule 74 for 2 years. This is a protection to all the heirs or creditors that are not aware or not uncluded in partition.

9. If you buy a portion of this property, you may now start the Transfer Process which may include the ff:

9A. Ex*****on of the final Deed of Sale with Title no. And description of the actual portion.

9B. Payment of Capital Gains Tax, Documentary Stamp Tax and other transfer Fees.

9C. After settling the BIR transfer Tax, you may now obtain your eCAR from from the BIR. (3-8 weeks)

9D. Once the eCAR is available, you may now proceed to the ROD for the transfer of title. (3-8 weeks)

9E. After the Release of the Title, you have to proceed to the Assessors office for inspection, assessment and issuance of new Tax Declaration.

The entire processing usually take 18-36 months depending on fast you can comply with all the requirements.

31/05/2023

LOT for SALE
Mohon, Talisay
1000sqm w/ fence
Clean title
Price 15M net of taxes

25/05/2023

𝗦𝗔𝗘𝗞𝗬𝗨𝗡𝗚 𝗩𝗜𝗟𝗟𝗔𝗚𝗘 𝗢𝗡𝗘 – 𝗣𝗛𝗔𝗦𝗘 𝟯
As low as 10k+

Price Range: Php 1.9M to 2.150M
Reservation Fee: Php 20K
Equity: Php 60K payable in 6 months

• 5 Buildings
• 14 – Storey
• 1,922 Studio Type Units
• 22 sqm with Balcony
• 245 Parking Spaces
• Laundry Areas
• Swimming Pool
• Playground
• M.R.F.

Typical Unit & Inclusions;
• 22 sqm
• With Balcony
• Finished Type Unit
• Finished Paint
• Tiled Floors and Bathroom
• Fixtures
• Lower & Upper Kitchen Cabinets
• Granite Countertop
• Free Transfer Taxes
• Free Water Connection
• Free AC, Ref, Washing Machine & Rangehood

Messages me for more details!

20/05/2023

Avail these exciting promos until May 31 only.

8% BIG DISCOUNT in Amalfi
Move in @ 2% DP only

Hurry Up! This is limited only.
Few Units left!

Amalfi is a PRESTIGE brand located within City di Mare, the largest master-planned coastal township in Cebu. Sitting on a prime location in South Road Properties, this fast-growing district is accessible from the city proper
PM us

11/05/2023

Available for sale
Pulangbato, Cebu City
1.3 hectares
2,000/sqm (negotiable)
Titled lot
Interested pm us.

10/05/2023

‼️RUSH HOUSE AND LOT FOR SALE‼️

📍LESSANDRA MIRAMONTE PIT OS TALAMBAN CEBU CITY
📍LOT AREA 112 SQM
📍CORNER LOT

👉With front and back gate
👉big lawn
👉2 cars can park inside the gate
👉extended dinning area w/ sliding doors facing lawn
👉with built in cabinets
👉with customized beds

Selling Price: 3.5M net

House Details:
-2 Bedrooms
-1 toilet and bath
-1 living room
-1 dining room
-1 kitchen
-garage
-laundry area
-lawn
-high fence
-2 back and front gates

Interested pm us

02/05/2023

🍀Coming Soon... this 2nd Quarter of 2023💚

Velmiro Heights - Tolo, tolo Consolacion Cebu
📌 Reservation fee : P 50,000.00
📌 Equity starts : P 9,000+ per month
✅ Single detached
✅ Overlooking house and lot
✅ Only 376 units

To Avail docs needed:
✅ 2 Government Valid ID’s;
✅ Signed Forms
✅ Verified BIR TIN (we can assist you on this)

FIRST COME FIRST SERVE
PM me for reservation and other details

02/04/2023

VILLA HOUSE for RENT 📍📍📍
location: Marco Polo, Nivel Hills, Cebu City
👉 109 sqm floor area
👉 Semi-furnished
👉 Overlooking the city of CEBU
1st Floor
👉 dining and living room area
👉 Wide VERANDA (City view)
👉 1 Common toilet
👉 1 small stock room
2nd Floor
👉 1 master bedroom with T&B
👉 1 bedroom with balcony
👉 1 common T&B
👉 1 walk-in closer room
Amenities
👉 swimming pool, gym, park
👉 P130,000 / month including association dues
👉 Accept short term (Minimum of 3 months)
👉 1 month advance, 1 month security deposit
👉 With parking space
👉 Tenants pay for electricity and water bills
Pm for more details 📍
09913194652 l 09260846711