Ready for Occupancy Foreclosed Property in Cavite Bulacan Rizal Batangas

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🏡 Bago Ka Mag-PAG-IBIG Housing Loan, Basahin Mo ’To!Madaling kumuha ng housing loan… pero mahirap pag di mo alam paano k...
22/10/2025

🏡 Bago Ka Mag-PAG-IBIG Housing Loan, Basahin Mo ’To!

Madaling kumuha ng housing loan… pero mahirap pag di mo alam paano ka talaga nagbabayad. 😅

Let’s be real—akala ng marami, kapag nagbabayad ka ng ₱15K monthly, malaking parte niyan diretso na sa utang.
Pero truth bomb: hindi pala ganun. 💣

📉 Sample Breakdown ng Monthly Amortization (₱14,930.21)

₱11,979.17 – Interest
₱235.80 – Fire Insurance
₱360.00 – MRI (Mortgage Redemption Insurance)
₱2,355.24 – Principal

Yes, out of ₱15K, ₱2K+ lang talaga ang nababawas sa loan mo.
The rest goes to interest and insurance — kaya parang walang nababawas kahit taon ka nang nagbabayad.

💡 Quick Math: Paano Kinocompute ang Interest

Example:
₱2.5M loan × 5.75% annual ÷ 12 months = ₱11,979.17 monthly interest

Kaya sa unang mga taon, halos puro interest muna ang bayad mo.
Pero good news — pwede mo bilisan ’yan!

⚡ The Smart Move: Pay Direct to Principal

Kapag may extra cash, wag muna mag-upgrade ng phone o mag-travel. 😅
Punta ka sa PAG-IBIG office at sabihin:
👉 “Direct to Principal Payment po.”

Example:
Monthly due: ₱14,930.21
Binayad mo: ₱50,000

₱14,930.21 = regular monthly payment
₱35,069.79 = diretso sa principal

Mas maliit ang utang mo next month = mas maliit ang interest = mas maagang freedom! 🎉

🚫 Reminder:
Pag nagbayad ka ng ₱50K sa Bayad Center, automatic advance payment lang ’yan.
Hindi siya nababawas sa principal. So technically, advance ka nga—but same debt, slower progress.

✅ Pro Tip:
Always check your balance sa Virtual Pag-IBIG.
Walang monthly bill, so ikaw mismo dapat ang mag-track.

💬 Real Talk:

If you don’t understand how your loan works, you’ll keep paying without seeing progress.
So don’t just pay—pay smart.

Financial literacy isn’t just a nice-to-have.
It’s survival. 💪

Tag someone who’s paying a Pag-IBIG loan right now—tulungan natin silang makabayad nang mas matalino. 🙌

𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗹𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱A few years ago, we finally took the big le...
22/10/2025

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:
-₱11,979.17 – Interest
-₱235.80 – Fire Insurance
-₱360.00 – MRI (Mortgage Redemption Insurance)
-₱2,355.24 – Principal

Yes. Out of almost ₱15,000, only ₱2K+ goes to the loan itself.
The rest? Sa interest. Sa insurance. Sa charges.

⸻

Paano Kinocompute ang Interest?

Let’s break it down:
• ₱2.5M loan
• 5.75% annual interest
• Divided by 12 months

👉 ₱2,500,000 × 5.75% ÷ 12 = ₱11,979.17 Monthly Interest

Kaya ang tagal bago bumaba ng utang.

Over time naman, your monthly payments will shift.
Unti-unting bumababa ang interest, habang tumataas ang nababawas sa principal.

Sa sinula, halos puro interest muna ang binabayaran mo.

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:
- Monthly due: ₱14,930.21
- Binayad mo: ₱50,000
- ₱14,930.21 = regular monthly payment
- ₱35,069.79 = goes straight to 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 🙏☝️

CTTO

📢 4K PER MONTH LANG!!!📢Maari ka nang magkaroon ng sariling bahay‼️HETO NA ANG PINAKAMURANG RFO UNITS NGAYON‼️✔️Thru Pag-...
14/07/2025

📢 4K PER MONTH LANG!!!📢
Maari ka nang magkaroon ng sariling bahay‼️
HETO NA ANG PINAKAMURANG RFO UNITS NGAYON‼️

✔️Thru Pag-ibig and Cash only

📣Paunahan to! Wag ng magpatumpik tumpik, magavail ka na‼️

😍Only 5K to reserve😍
Est. Monthly Amort: 4,002.16 (Pag-ibig Financing)🤩

Send your Initial Requirements for Reservation!
▪︎ 2 Valid Id (with 3 signature)
▪︎ Proof of Income (1 month Payslip/ COEC)
▪︎ Proof of Billing (Meralco/ Water & Internet Bill)

Available locations:
(Batangas)
(Laguna)
(Batangas)
(NuevaEcija)
(Quezon)
(San Miguel, Iloilo)
(Pacol, Naga)

🔈🔉🔊MURANG PROPERTY NA PWEDE SA MGA MINIMUM WAGE EARNERS.. MESSAGE NA AGAD PARA DI KA MAUBUSAN!!!🔈🔉🔊

NO INVENTORY AT THE MOMENT!Wag mag alala may padating within this week! ABANG ABANG LANG!!!!!! DALI PM MO NA AKO.😍I READ...
27/05/2025

NO INVENTORY AT THE MOMENT!
Wag mag alala may padating within this week! ABANG ABANG LANG!!!

!!! DALI PM MO NA AKO.😍I READY NA ANG REQUIREMENTS MO!

RFO‼️ RFO‼️

BELLAVITA PILILLA
Loc: Halayhayin Pililla Rizal

Affordable House and Lot
4k monthly lang kay Pagibig
Few Units lang kaya mag pa reserve ka na baka maubusan ka pa!

Initial Req
2valid ids
1month payslip
Proof of billing or brgy. Cert

Dm me for more details: 🥰

Lhoopa Bellavita is now available for reservation.Laguna📍Alaminos📍 San Pablo City 📍PilaBatangas📍Lian📍Lipa City📍RosarioOt...
24/05/2025

Lhoopa Bellavita is now available for reservation.

Laguna
📍Alaminos
📍 San Pablo City
📍Pila

Batangas
📍Lian
📍Lipa City
📍Rosario

Other areas

📍Pililla Rizal
📍Porac Pampanga
📍Capas Tarlac
📍Cabanatuan East Nueva Ecija
📍San Miguel Iloilo
📍Naga City Camarines Sur

Not BASIC but SEMI-COMPLETE
✔️Ceramic Floor Tiles
✔️Painted Walls and ceiling
✔️Window Grills **

Cash or Pagibig Financing
Required Income: 11K plus

Inquire here:

As of today 👇👇👇Two units available @ Carissa Homes Subd.Brgy Bagtas Tanza Cavite Lot 1 B6 P2TCP 1,048,926.35Reservation ...
04/05/2025

As of today 👇👇👇
Two units available @ Carissa Homes Subd.
Brgy Bagtas Tanza Cavite

Lot 1 B6 P2
TCP 1,048,926.35
Reservation fee 5,000
Required Salary 18,453.63
1st- 6th mo.payment 11,553
7th- 12mo.payment 5,095
HDMF (starting 7th mo.)6,458.42
🎊🎊🎊🎉🎉

Lot 1 B 78 p1A
TCP 863,720.05
Reservation fee 5,000
Required Salary 15,194.04
1st-6th mo payment 9,440.04
7th -12th mo.payment 4,121.04&
HDMF ( starting 7th mo.) 5,318.07

Must be a pag ibig member
No complicated status
Solo or combined salary

For interested buyers/ inquiries
Prepare your initial requirements:
1 month payslip
2 government ids
Latest proof of billing

゚

20/02/2025

📢 4K PER MONTH LANG!!!📢
Maari ka nang magkaroon ng sariling bahay‼️
HETO NA ANG PINAKAMURANG RFO UNITS NGAYON‼️

✔️Thru Pag-ibig and Cash only

📣Paunahan to! Wag ng magpatumpik tumpik, magavail ka na‼️

😍Only 5K to reserve😍
Est. Monthly Amort: 4,002.16 (Pag-ibig Financing)🤩

Send your Initial Requirements for Reservation!
▪︎ 2 Valid Id (with 3 signature)
▪︎ Proof of Income (1 month Payslip/ COEC)
▪︎ Proof of Billing (Meralco/ Water & Internet Bill)

Available locations:
(Batangas)
(Laguna)
(Batangas)
(NuevaEcija)
(Quezon)
(San Miguel, Iloilo)
(Pacol, Naga)

🔈🔉🔊MURANG PROPERTY NA PWEDE SA MGA MINIMUM WAGE EARNERS.. MESSAGE NA AGAD PARA DI KA MAUBUSAN!!!🔈🔉🔊

AVAILABLE NOW LHOOPA FORECLOSED THRU PAGIBIG FINANCING!Carissa Homes Brgy. Bagtas Tanza CaviteP**i click each photo para...
06/12/2022

AVAILABLE NOW LHOOPA FORECLOSED THRU PAGIBIG FINANCING!

Carissa Homes Brgy. Bagtas Tanza Cavite
P**i click each photo para sa computation , price and location and also my contact number
incase you are interested 😉.

Note: REPAIRED UNIT AND NEW HOUSE UPON
TURNOVER


Hanap mo ba ay less than a year malilipatan agad sa San Jose Del Monte Bulacan Besshie? The best part here ay thru Pagib...
30/11/2022

Hanap mo ba ay less than a year malilipatan agad sa San Jose Del Monte Bulacan Besshie?
The best part here ay thru Pagibig Housing Loan ito.

Ang units for HOMES
SAN JOSE DEL MONTE, BULACAN❗️❗️
are finally out☺️☺️😊

✅Affordable Units
✅ Renovated & Newly Built Units
✅ UNDER PAG- IBIG FINANCING
✅ FAST TURNOVER 7-8MONTHS!
✅ NEAR SJDM ESTABLISHMENTS

NOTE : Those units are initially foreclosed.

📍SAMPLE COMPUTATION📍
Total Contract Pric: : Php 1,015,000
Total Down Payment : 105,000
Reservation Fee : 10,000
Required Salary : 18,997 above single or combine

Lot area : 53SQM
Floor Area : 29SQM










👉INQUIRE na mga Besshie!!😊🤗👇

Like to be a Real Estate Salesperson like us?
We are Hiring!!!
Part Time/Full Time w/ at least 2yrs in College or 72 units academic completion.
We also accept Referrals w/ Referral Fee
Be Part of Zonal Realty
Team Joy 😊
Arlene Dulatre

Address

Binangonan
1940

Telephone

+639517753166

Website

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