William Penserga - Licensed Realtor

22/11/2024

📣📣📣
Invest now in Cebu😍

09/10/2024

11/06/2024

📣📣📣
FOR SALE:

Apple One Banawa Heights
Beautiful 2BR Unit
with 1-car parking

Fully Furnished
FA: 58sqm
With 1 Car podium parking at the 2nd level

✅ 2 bedrooms
✅ 1 T&B
✅ Stock room / Maids room

Price: P8M
Nett of taxes

12/11/2023

Additional Knowledge

Buying a home is a significant investment, and choosing the right financing option is crucial. In the Philippines, there are three primary financing options: bank financing, Pag-IBIG financing, and in-house financing. Here are the differences among them:

Bank Financing

Bank financing is a housing loan or home loan provided by banks or financial institutions to borrowers for the purchase of a property. The loan amount, interest rate, and repayment terms depend on the borrower's creditworthiness and the bank's policies. Bank financing has slightly lower interest rates compared to in-house financing, and the repayment terms can range from 5 to 30 years. However, the application process can be lengthy, and the requirements can be strict.

Pag-IBIG Financing

Pag-IBIG financing is a government-backed housing loan program offered by the Home Development Mutual Fund (HDMF) or Pag-IBIG Fund. It is designed to help Filipinos acquire affordable homes. The loan amount, interest rate, and repayment terms depend on the borrower's monthly income and the property's value. Pag-IBIG financing has lower interest rates compared to bank financing, and the repayment terms can range from 5 to 30 years. However, the application process can be complicated, and the requirements can be strict.

In-House Financing

In-house financing is a loan provided directly by the property developer or subdivision. It is easier and faster to process than bank financing or Pag-IBIG financing. The loan amount, interest rate, and repayment terms depend on the developer's policies. In-house financing has higher interest rates compared to bank financing and Pag-IBIG financing, and the repayment terms can range from 5 to 10 years. However, it is a good option for those who have been rejected for a bank's home loan application or Pag-IBIG financing. In summary, the best financing option depends on your financial situation and needs. Bank financing is ideal for those who have a good credit score and can provide the necessary requirements. Pag-IBIG financing is suitable for those who have a low to moderate income and want to acquire an affordable home. In-house financing is a good option for those who prefer to transact directly with the property developer or have been rejected for a bank's home loan application or Pag-IBIG financing.

05/11/2023

https://dreambreis.dazle.site

View my real estate listings here!

14/05/2023

☘️PROJECT OF THE DAY☘️

☂️𝟑𝟖 𝐏𝐚𝐫𝐤 𝐀𝐯𝐞𝐧𝐮𝐞 ☂️
📌Located at Cebu I.T Park

✨Experience a New York - Inspired Lifestyle with a World Class Masterpiece Designed to PERFECTION✨

𝟏𝟎% 𝐃𝐨𝐰𝐧𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐬𝐭𝐫𝐞𝐭𝐜𝐡𝐞𝐝 𝐟𝐨𝐫 𝟑𝟔 𝐦𝐨𝐧𝐭𝐡𝐬

We only have 53 RFO and Near RFO units left!

📌QUICK FACTS:
🔹38 storeys high, the Highest in Cebu I.T. Park
🔹Ultra Exclusive VIP Units
🔹3 levels of amenity at the 26th floor to the 28th floor
🔹2 main lobbies (East & West) with 2 elevator cores of 4 elevator each
🔹3 levels basement parking
🔹Each unit meticulously designed for a panoramic view of Cebu
🔹A Grand Atrium at the center of the tower

13/05/2023

🌸PROJECT OF THE DAY🌸

🎯Casa Mira Towers Mandaue - Lowered Reservation Fee Promo🎯
📍Barangay Alang-alang, Marciano Quezon St. Mandaue City 6014

📍 (Tower 1, 2, 3 & 4) Lowered reservation fee: P8,000.00

Payment Equity:
✅ Tower 1 : Lowest equity P5,100/month spread for 60 mos
✅ Tower 2 : Lowest equity P4,900/month spread for 47 mos plus 2% lumpsum on the last equity
✅ Tower 3 & 4 : Lowest equity P5,300/month spread for 41 mos plus 2% lumpsum on the last equity

Promo period: May 08 - June 30, 2023

12/05/2023

12/05/2023