Affordable House and lot in Bacolod /Rent to own house

Affordable House and lot in Bacolod /Rent to own house Real estate Business
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Residential Lot for sale ! No need bank financing no need Pag-ibig 🤗 Location:Silay✨100sqm ✨along the highway✨6k plus mo...
10/03/2026

Residential Lot for sale ! No need bank financing no need Pag-ibig 🤗
Location:Silay

✨100sqm
✨along the highway
✨6k plus monthly

Please message directly for viewing and reservation

✨❤️
20/02/2026

✨❤️

‼️‼️ 9k plus 𝗗𝗢𝗪𝗡𝗣𝗔𝗬𝗠𝗘𝗡𝗧 ‼️‼️ Invest Now while affordable pa!🤗🏠GRAB THE BIGGEST PROMO EVER 😍 😍😍Location:Silay City Near ...
17/02/2026

‼️‼️ 9k plus 𝗗𝗢𝗪𝗡𝗣𝗔𝗬𝗠𝗘𝗡𝗧 ‼️‼️ Invest Now while affordable pa!🤗🏠

GRAB THE BIGGEST PROMO EVER 😍 😍😍

Location:Silay City Near Magikland 🏡

FOR AS LOW AS 20k reservation 9k plus monthly downpyment ‼️‼️
MOVE -IN KANA NEXT YEAR ‼️‼️‼️

Start you bahay goals 2026😍

✔️Wala Down Payment / Equity
✔️Free Bank charges
✔️Free One Year Fire Insurance
✔️One Year Land Tax Free
✔️Fast Bank Approval

✔️Tested & Proven Tahum kag Pulido ang Balay
✔️Accessible Location sa tanan
✔️24 hrs secured community

Please message directly for site viewing and reservation



House and lot For Sale Lapit sa Victorias!Few Units Left!!5k reservation fee15k plus monthly pwede bank or Pag-ibig🤗Mala...
17/02/2026

House and lot For Sale Lapit sa Victorias!

Few Units Left!!

5k reservation fee

15k plus monthly pwede bank or Pag-ibig🤗

Malapit sa Highway

3 bedroom

2 toilet and bath

with carport

with Balcony

Please message directly for viewing and reservation🤗

Start the New Year in a place you can truly call your first home 🏡💙Casa Mira Homes offers comfort, security, and conveni...
16/02/2026

Start the New Year in a place you can truly call your first home 🏡💙
Casa Mira Homes offers comfort, security, and convenience, perfect for first-time homebuyers and growing families.

✔️ Very accessible to hospitals, schools, churches, malls, and major establishments

🏘 TOWNHOUSE – C MID
(Typical FA: 61.5 sqm | LA: 60 sqm)
• 3 Bedrooms
• 1 Toilet & Bath
• 1 Powder Room
• Balconette
• Carport

💰 Reserve your future home for only ₱20,000!

🏡 Exclusive Community Amenities
✨ Clubhouse
✨ Swimming Pool & Kiddie Pool
✨ Basketball Court
✨ Children’s Play Area
✨ Mini Parks & Landscaped Areas
✨ Guarded Main Entrance
✨ Perimeter Fence for added security
🎉 Make 2026 the year you finally own your first home!

Whether you’re starting a family or investing in your future, Casa Mira is the perfect place to begin.

📩 Message me now for site viewing and reservation assistance 😉





Congratulations to my Client Family Bacolod and Brillantes❤️✨Thank you for trusting Affordable House and lot in Bacolod ...
15/02/2026

Congratulations to my Client Family Bacolod and Brillantes❤️✨

Thank you for trusting Affordable House and lot in Bacolod /Rent to own house❤️✨
Welcome to Lumbia Legacy Subdivision✨🫶🙌
1 unit Sold near entrance✨🫶

Above all Thank you Lord! Everything is possible✨😇

🙌🗣️HOUSE AND LOT IN SILAY !🙌DIRECT MONTHLY🗣️🏠START YOUR INVESTMENT NOW🙌✨3 bedroom✨2 Bedroom✨with Carport✨standard finish...
07/02/2026

🙌🗣️HOUSE AND LOT IN SILAY !🙌DIRECT MONTHLY🗣️🏠START YOUR INVESTMENT NOW🙌
✨3 bedroom
✨2 Bedroom
✨with Carport
✨standard finished
✨Reservation 20k fee
Please message for site viewing and reservation

Start the New Year in a place you can truly call your first home 🏡Ready For Occupancy🏠Casa Mira Homes offers comfort, se...
06/02/2026

Start the New Year in a place you can truly call your first home 🏡Ready For Occupancy🏠
Casa Mira Homes offers comfort, security, and convenience, perfect for first-time homebuyers and growing families.

✔️ Very accessible to hospitals, schools, churches, malls, and major establishments

🏘 TOWNHOUSE – C MID
(Typical FA: 61.5 sqm | LA: 60 sqm)
• 3 Bedrooms
• 1 Toilet & Bath
• 1 Powder Room
• Balconette
• Carport

💰 Reserve your future home for only ₱20,000!

🏡 Exclusive Community Amenities
✨ Clubhouse
✨ Swimming Pool & Kiddie Pool
✨ Basketball Court
✨ Children’s Play Area
✨ Mini Parks & Landscaped Areas
✨ Guarded Main Entrance
✨ Perimeter Fence for added security
🎉 Make 2026 the year you finally own your first home!

Whether you’re starting a family or investing in your future, Casa Mira is the perfect place to begin.

📩 Message me now for site viewing and reservation assistance 😉





04/02/2026

🏡 New Bungalow for Sale at LuisVille Subdivision!

3 Bedrooms | 2 Bathrooms | 82 sqm Floor Area | 150 sqm Lot Area

✨ Features You'll Love:
- spacious Living Area & Dining Area
- Kitchen with Built-in Cabinets
- Free Water Tank & Pump included!
- Modern, cozy, and move-in ready

📍 Peaceful location, easy access, perfect for families.

📩 Message me now to schedule a viewing!

🔍 Paano Nga ba Malalaman kung Qualified ba ang Income mo sa Home Loan AmortizationPara malaman mo kung pasok ba ang inco...
02/02/2026

🔍 Paano Nga ba Malalaman kung Qualified ba ang Income mo sa Home Loan Amortization

Para malaman mo kung pasok ba ang income mo sa monthly amortization ng housing loan (Pag-IBIG, bank, or in-house), may dalawang main rules na tinitingnan:

⸻

✅ 1. The 30% Rule (Capacity to Pay)

Banks and Pag-IBIG usually allow you to use up to 30% of your monthly gross income for your housing loan.

Formula:
Monthly Income × 30% = Maximum allowable amortization

Example:
If your income = ₱30,000/month
Your max amortization = ₱9,000/month

Kung lumagpas dito, malaki ang chance ma-decline.

⸻

✅ 2. Income vs. Loan Multiplier

Lenders also check kung enough ba ang income to support the total loan amount.

Typical guides:
• Pag-IBIG: Pasok basta swak sa Net-To-Pay at 30% rule
• Bank: Usually computes using projected amortization & debt-to-income ratio
• In-house: Mas flexible pero mas mataas interest

⸻

✅ 3. Check the Monthly Amortization vs. Income (Actual Test)

This is the most practical way:

👉 If the monthly amortization is
MORE than 30–40% of your income → likely not qualified
WITHIN 25–30% → good
Below 25% → safe & strong

⸻

🔢 Quick Qualification Chart

If your income is:
• ₱20,000 → safe amortization: ₱5,000–₱6,000
• ₱30,000 → ₱7,000–₱9,000
• ₱40,000 → ₱10,000–₱12,000
• ₱50,000 → ₱12,000–₱15,000
• ₱60,000 → ₱15,000–₱18,000

⸻

✅ 4. May Existing Loans?

If may:
• Credit card balances
• Motorcycle / car loan
• Personal loan
• Online loans

Lenders deduct that from your capacity.
Mas mataas utang = mas bababa approval chance.

⸻

📝 5. Stability of Income

Pag-IBIG & banks also check:
• Job tenure
• Contract type (Regular > Probationary > Project-based)
• Remittances for OFWs
• Business income proof

Mas stable = mas mataas chance ma-approve.

⸻

💡 Bottom Line

If the amortization fits within 30% of your income, and your job/finances are stable — you’re likely qualified.

Address

Bacolod City
6100

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+639459636995

Website

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