Gensan HOMES and SouthCot Properties

18/12/2025

GOOD NEWS DECA HOMES GENSAN 2😍🏠

APOPONG CORNER LOT UNITS ARE NOW OPEN FOR REGULAR PAG-IBIG HOUSING LOAN.

✅Low/Minimal Cash Out
✅ Near Airport
✅Fast Turn Over

Lot Area: 50SQM
Floor Area: 32SQM
Provision for 2 BR
1 T&B

Income Requirements:18K UP
Reservation Fee: 10,000
DP: 30K (10K/Month for 3 mos)
Estimated Monthly Amort: 6,625 Only

Few Slots Only, PM for More details!🏠✨

08/12/2025

GOOD NEWS DECA HOMES GENSAN 2😍🏠

APOPONG CORNER LOT UNITS ARE NOW OPEN FOR REGULAR PAG-IBIG HOUSING LOAN.

✅Low/Minimal Cash Out
✅ Near Airport
✅Fast Turn Over

Income Requirements:18K UP
Reservation Fee: 10,000
DP: 30K (10K/Month for 3 mos)
Estimated Monthly Amort: 5,700 Only

Few Slots Only, PM for More details!🏠✨

04/12/2025

Step right up and take home this unit—still offered at that classic old Price!

🏡 Rush Assume Unit in Palmwoods, Conel Rd., Brgy Lagao, GSC!

- New Application in Pag-ibig

As low as P9,824/mo!

✨ Lot Area: 72 sqm
✨ Floor Area: 53.5 sqm
✨ 2 Bedrooms
✨ 1 Toilet & Bath
✨ Fully finished two storey unit

✅ Great for small families or first-time homeowners & Additional Business
✅ Prime location in Lagao - Conel Rd and move-in ready

📣 Grab this rush deal while it’s still available!🔥

26/06/2025

𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗹𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱

A few years ago, we finally took the big leap kumuha kami ng bahay sa isang subdivision through PAG-IBIG Housing Loan.

First home. Dream achieved.

Pero after a few months of paying our monthly amortization, napapaisip na ako…

“Bakit parang hindi gumagalaw yung utang namin?”

Kaya nagtanong ako directly sa PAG-IBIG office. At doon ko nalaman ang totoo. 💔

⸻

📌 MONTHLY AMORTIZATION BREAKDOWN…SURPRISING ’TO!

We were paying ₱14,930.21 every month.

I thought malaking part nun napupunta sa principal. Pero eto ang actual breakdown:
• ₱11,197.92 – Interest
• ₱235.80 – Fire Insurance
• ₱360.00 – MRI (Mortgage Redemption Insurance)
• ₱3,136.49 – Principal 😭

Yes. Out of almost ₱15,000, only ₱3K+ goes to the loan itself.
The rest? Sa tubo. Sa insurance. Sa charges.

⸻

Paano Kinocompute ang Interest?

Let’s break it down:
• ₱2.5M loan
• 5.375% annual interest
• Divided by 12 months

👉 ₱2.5M × 5.375% ÷ 12 = ₱11,197.92 monthly interest

Kaya pala ang tagal bago bumaba ng utang.

But here’s the good news: may paraan para pabilisin ’yan.

⸻

BAYARAN ANG PRINCIPAL, NOT JUST THE MONTHLY

If may extra cash, wag ka muna mag-upgrade ng phone. 😅
Go to the PAG-IBIG office, and say:

👉 “Direct to Principal Payment po.”

Example:
• Your regular monthly is ₱14,930.21
• Nagbayad ka ng ₱50,000
• So ₱14,930.21 goes to monthly
• The ₱35,069.79 goes straight to your loan principal

Meaning, lumiliit ang utang mo. Mas maliit na interest next month. Mas mabilis mong matatapos ang loan.

⸻

🚫 DON’T DO THIS IN PAYMENT CENTERS

If you pay ₱50,000 sa Bayad Center, it will just cover the next few months’ dues.

No impact sa principal.

So yes, advance ka nga—pero mabagal pa rin ang bawas sa utang.

⸻

Always monitor your loan online via Virtual PAG-IBIG.
They don’t send monthly bills, so ikaw mismo ang dapat mag-track.

⸻

My Realization:

Pag hindi mo intindihin kung paano gumagana ang housing loan mo,
years will pass… and you’ll wonder why you’re still paying a mountain of debt.

Kaya if you’re in the same boat as us…please, learn from our journey.

Don’t just pay. Pay smart.

⸻

Financial literacy is not a luxury. It’s survival.
Let’s share this with other homeowners…lalo na yung mga first time.

God bless sa lahat ng may bahay pero may bayarin pa. 😅 makaka-fully paid din tayo 🙏☝️

16/06/2025

Luxurious 3BR HOUSE and LOT FOR SALE in WINDSOR HEIGHTS📌Brgy. Mabuhay, General Santos City

🏷️PROPERTY DETAILS:
• Lot Area: 261sqm
• Floor Area: 115sqm
• 3Bedrooms
• 4 Toilet & Bath•
2 Car Ports•
MINI GYM

🏷️NEARBY POINTS OF INTEREST:
• 8mins – All Home Gensan / Coffee Project
• 14mins – University of Santo Tomas - Gensan
• 20mins – SM Gensan
• 22mins – General Santos Doctors Hospital Inc.

PM for FULL Details and Property Visit

Anne Gallaza
PRC Accredited
DHSUD Registered

16/06/2025

FOR ASSUME
Pag-ibig Monthly Amortization: 5,248 ONLY
📍VSM Meadows

Ideal for Rentals/ AirBNB

FOR ASSUME
Pag-ibig Monthly Amortization: 5,248 ONLY
📍VSM Meadows

Ideal for Rentals/ AirBNB

📍Along Lagao- Conel Road
📍Near Diversion Road
📍Near Coffee Project
✅ Accessible to UST😍

PM for Full Details.😍

Never Pa napuy-an Unit.

Drop me a Msg for Property Visit🫶

13/06/2025

Yay! 1 Delia Unit at Saint Anne Homes (Re-Open)

🏡 𝗦𝗮𝗶𝗻𝘁 𝗔𝗻𝗻𝗲 𝗛𝗼𝗺𝗲𝘀 | 𝗣𝗿𝗸. 𝗡𝗣𝗖, 𝗕𝗿𝗴𝘆. 𝗖𝗮𝗹𝘂𝗺𝗽𝗮𝗻𝗴, 𝗚𝗦𝗖 🌟

Safe. Accessible. Harmonious. The perfect place to call HOME.

✅ 𝗗𝗲𝗹𝗶𝗮: Double Attached (Socialized Unit)
✨Lot Area: 80SQM Floor Area: 38SQM
✨2 Bedrooms, 1 Bathroom, Living Area,
Dining/Kitchen, Carport

✅ ✨Reservation fee: 20,000 Only
✨Down payment: 47,000

PM me for Full details and Site Visit.😍

Don’t miss out on this incredible offer – your new home / New investment is just a call away!
📲

Ms. Anne Gallaza
RealEstate SP
PRC Acc #:26064
DHSUD Reg #: Xll-A-11/2024-1423

19/05/2025

🏠ASSUME this Unit, Dagdag Investment Rental , Or A place na makalipat Agad.🏡✨
📍Bria Homes - Elena Unit

📍Literal na Palugi Assume Price
📍2,514/Monthly Amortization Only
📍Unit is Newly Renovated

PM me for Property Visit✨

07/05/2025

‼️SOLD‼️

📍RUSH SALE!
📍TITLE ON HAND
📍FULLY FURNISHED (Renovated/Improved)
📍Camella San Isidro, GSC

3BR | 2 T&B 1 1 Carport | Balcony

CONTACT ME FOR MORE DETAILS AND HOUSEVISIT

16/02/2025

Available for Rent🏡

16/02/2025

𝐀𝐋𝐅𝐑𝐄𝐃𝐎 𝐏𝐑𝐈𝐌𝐄 𝐌𝐎𝐃𝐄𝐋 🏡

𝗕𝗹𝗼𝗰𝗸 𝟯–𝗙𝗮𝗰𝗶𝗻𝗴 𝗦𝘂𝗻𝗿𝗶𝘀𝗲|𝗣𝗿𝗶𝗺𝗲 𝗟𝗼𝘁
𝗥𝗲𝗮𝗱𝘆 𝗳𝗼𝗿 𝗢𝗰𝗰𝘂𝗽𝗮𝗻𝗰𝘆.
𝗙𝗹𝗼𝗼𝗿 𝗔𝗿𝗲𝗮: 𝟰𝟮 𝘀𝗾𝗺
𝗟𝗼𝘁 𝗔𝗿𝗲𝗮: 𝟭𝟮𝟮 𝘀𝗾𝗺

𝗥𝗲𝘀𝗲𝘃𝗮𝘁𝗶𝗼𝗻 𝗳𝗲𝗲 - 𝗣𝟭𝟬,𝟬𝟬𝟬

𝗠𝗼𝗻𝘁𝗵𝗹𝘆 𝗔𝗺𝗼𝗿𝘁𝗶𝘇𝗮𝘁𝗶𝗼𝗻
𝗣𝗔𝗚-𝗜𝗕𝗜𝗚 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴:
𝟯𝟬 𝘆𝗲𝗮𝗿𝘀: 𝗣11,𝟬𝟬𝟬.𝟬𝟬
𝟮𝟬 𝘆𝗲𝗮𝗿𝘀: 𝗣𝟭𝟯,𝟬𝟬𝟬.𝟬𝟬

Real estate is an imperishable asset, ever increasing in value. It is the most solid security that human ingenuity has devised. It is the basis of all security and about the only indestructible security. Russell Sage

Looking for your Future Home or another property Investment? Drop me 📥 and let’s schedule your Site Visit. 📞

Ms. Anne Gallaza
RealEstate SP
PRC Acc #:26064
DHSUD Reg #: Xll-A-11/2024-1423

See you🤍

09/02/2025

FOR ASSUME🏡✨

ASSUME ME🏠
2,514 Pag-Ibig Monthly Amortization

⚡️Lumina Homes ( Bria Homes )- Elena Unit
✅ Newly Renovated
📍Along Conel Rd., Brgy. San Isidro, Gensan
📍Near Diversion Road
📍8-10 minutes to UST
📍8-10 Minutes to Downtown Area
✅Best for Rentals

▪️PROPERTY DATA
Lot Area: 36sqm
Floor Area: 22 sqm
1 Toilet & Bath | Kitchen and Sink

Inclusion: Split Type Aircon🤍

Please See Comment Section for More Deets📷

Looking for your Future Home or another property Investment? Drop me 📥 and let’s schedule your Site Visit. 📞

Ms. Anne Gallaza
RealEstate SP
PRC Acc #:26064
DHSUD Reg #: Xll-A-11/2024-1423