Cagayan de Oro Condominium and Properties

13/04/2026

A ₱27B hillside development in Cagayan de Oro will feature homes, hotels, and lifestyle spaces in a terraced community.

30/03/2026

🧠 Monthly Savings vs Monthly Property Payment

Which one should you focus on?

⸻

💬 REAL TALK SCENARIO

Person A:
“Mag-iipon muna ako sa banko para safe.”

Person B:
“Magbabayad na ako ng property habang maaga pa.”

👉 Pareho silang naglalabas ng pera buwan-buwan…
pero magkaiba ang future na binubuo nila.

⸻

💰 OPTION 1: MONTHLY SAVINGS SA BANKO

✅ Advantages:

✔️ Liquid (madaling kunin anytime)
✔️ Low risk
✔️ Good for emergency fund

❌ Limitations:

❌ Mabagal ang growth (inflation kalaban mo)
❌ Walang leverage (pera mo lang ang gumagalaw)
❌ Habang nag-iipon ka… tumataas ang presyo ng property

👉 Example:
₱10,000/month savings x 3 years = ₱360,000
Pero ang property na ₱2M today… pwedeng ₱3M na after 3 years.

⸻

🏠 OPTION 2: MONTHLY PAYMENT SA PROPERTY (AMORTIZATION)

✅ Advantages:

✔️ You are building an asset
✔️ May chance sa property appreciation
✔️ Pwede mong paupahan (cash flow potential)
✔️ You leverage the bank’s money (hindi lang sariling pera)

❌ Considerations:

❌ Commitment (long-term payment)
❌ Hindi ganun ka-liquid
❌ Kailangan ng tamang planning

👉 Example:
₱10,000/month amortization
After 3–5 years → may property ka na, hindi lang ipon.

⸻

⚖️ KEY DIFFERENCE (ITO ANG GAME CHANGER)

Savings = Preserved Money 💰
Property = Growing Asset 🏠📈

👉 Savings keeps your money safe
👉 Property has the potential to multiply your money

⸻

🚨 THE TRUTH MOST PEOPLE MISS

Habang nag-iipon ka…

📈 Tumataas ang presyo ng lupa at bahay
📈 Tumataas ang demand
📉 Bumaba ang buying power ng pera mo

👉 So kahit disciplined saver ka…
naiiwan ka pa rin ng market.

⸻

🧠 SO, ANO BA TALAGA ANG TAMANG FOCUS?

Hindi “either-or”… kundi strategy.

💡 SMART APPROACH:

✔️ Build emergency fund first (3–6 months)
✔️ Then start investing in property early
✔️ Use your monthly income to build assets, not just savings

⸻

🔥 REALITY CHECK :

“Hindi lahat ng nag-iipon ay yumayaman…
pero karamihan ng may asset, doon nagsisimula.”

⸻

Kung pareho ka lang din naglalabas ng pera buwan-buwan…
bakit hindi sa bagay na pwede pang mag-grow?

CTTO

13/02/2026

Terrazas de Oro 👌

09/02/2026

Property developer Megaworld Corporation is set to begin development of the 117-hectare The Upper Central township as part of its P65-billion capital expenditure program for 2026. The project, the company’s 35th township through subsidiary Global-Estate Resorts, Inc. (GERI), will rise across the G...

05/02/2026

17/01/2026

𝗔𝗡𝗢 𝗔𝗡𝗚 𝗠𝗜𝗡𝗜𝗠𝗨𝗠 𝗡𝗔 𝗦𝗨𝗞𝗔𝗧 𝗡𝗚 𝗜𝗦𝗔𝗡𝗚 𝗕𝗘𝗗𝗥𝗢𝗢𝗠 𝗔𝗬𝗢𝗡 𝗦𝗔 𝗡𝗔𝗧𝗜𝗢𝗡𝗔𝗟 𝗕𝗨𝗜𝗟𝗗𝗜𝗡𝗚 𝗖𝗢𝗗𝗘?
Isa ito sa pinaka-karaniwang tanong kapag nagpaplano ng bahay:
“Gaano ba dapat kalaki ang bedroom para pumasa sa building permit?”

Hindi ito base sa hula o uso. May malinaw na sagot ang National Building Code of the Philippines (P.D. 1096).

𝗔𝗬𝗢𝗡 𝗦𝗔 𝗡𝗕𝗖𝗣
(IRR – Section 805: Minimum Room Sizes and Ceiling Heights)

𝗣𝗔𝗥𝗔 𝗦𝗔 𝗕𝗘𝗗𝗥𝗢𝗢𝗠
(Itinuturing bilang habitable room)
• Minimum floor area:
6.00 square meters
• Minimum room dimension:
2.00 meters sa kahit anong direction. Ibig sabihin, 2 x 3 meters kasi nga 6 square meters ang minimum*.

*Minimum: Ibig sabihin ay pinak**aliit na sukat. Pwedeng lumaki.

𝗔𝗡𝗚 𝗗𝗔𝗣𝗔𝗧 𝗠𝗔𝗔𝗟𝗔𝗠𝗔𝗡
Ang sukat na ito ay minimum requirement lang ng batas.
Puwede itong pumasa sa permit, pero hindi ibig sabihin na ito na ang pinaka-komportableng bedroom.

𝗔𝗡𝗚 𝗧𝗢𝗧𝗢𝗢
Kasya man sa code ang maliit na kwarto, ang tunay na tanong ay:
Kasya ba ang k**a, cabinet, sirkulasyon ng tao, at bentilasyon nang maayos?
Sa maayos na disenyo ng bahay, ang bedroom ay hindi lang tinutulugan—dito nagre-recharge ang tao.

14/12/2025

📣ℹ️Our Pride, our beloved city,
Cagayan de Oro City emerges as the RICHEST city in Northern Mindanao in terms of ASSETS! 🥂🎊👌💛

Source: COA Annual Financial Reports 2024

CDO leads the way with strong governance and sustainable growth.

01/12/2025

WHAT'S NEW IN THE HOUSE. Good news for housing stakeholders DHSUD and DEPDEV agreed to update the price ceiling for socialized housing –both for house and lot packages and condominiums.

Secretary Jose Ramon Aliling welcomed the agreement, formalized by the signing of the Joint Memorandum Circular (JMC) 2025-001, as a huge boost to the ongoing nationwide rollout of President Ferdinand R. Marcos Jr.’s flagship Expanded Pambansang Pabahay para sa Pilipino (4PH) Program.

07/11/2025

📣 RE-OPENING ANNOUNCEMENT!
Experience comfort and convenience with the Magnolia Unit at Adelaida Park Residences — strategically located beside Xavier Estates, Cagayan de Oro City 🏡

✅ Developer: A Brown Company, Inc. — your trusted name in quality living.

✨ Now Accepting Reservations! ✨
Don’t miss this opportunity to own your dream home!

🏠 House Features
Ground Floor:
• Carport
• Porch
• Living, Dining, and Kitchen Areas
• Common Toilet & Bath
• Bedroom

Second Floor:
• Two (2) Bedrooms
• Common Toilet & Bath
• Terrace — perfect for relaxation

📐 Property Specifications
• Lot Area: 90 sqm
• Total Floor Area: 109.94 sqm
• Walled Area: 81.68 sqm
• Open Area: 4.26 sqm

📍 Location:
Adelaida Park Residences – Upper Balulang, Cagayan de Oro City

📞 Secure your unit today!
Send us a message or call +63 926 567 4920 to schedule a site viewing and learn more about this exclusive offer!

Faith Charmae Dampal-Agapay,
Real Estate Broker | Real Estate Appraiser
PRC License # 0035609 valid until November 24, 2028
DHSUD Reg. # R10-B-06/ 25-760 valid until December 31, 2025

04/11/2025

‼️TITLED LOT FOR SALE‼️

✅Lot area: 900 sqm
✅Clean title

📍Upper Camaman-an, Cagayan de Oro
City

📞 Send a message now or call at +639265674920 to schedule a house tour!

Faith Charmae Dampal-Agapay,
Real Estate Broker | Real Estate Appraiser
PRC License # 0035609 valid until November 24, 2028
DHSUD Reg. # R10-B-06/ 25-760 valid until December 31, 2025

17/09/2025

Pag-IBIG Fund to Offer Special 4.5% Rate for Home Loans Up to P1.8 Million

Pag-IBIG Fund will offer a special 4.5% housing loan rate this October for members purchasing house-and-lot packages worth up to P1.8 million, under the Marcos Administration’s Expanded Pambansang Pabahay para sa Pilipino (4PH) Program and in celebration of National Shelter Month. The program covers the first 10,000 locally employed members and 1,000 OFWs, with the rate fixed for the first three years. Eligible applications already in the pipeline will also be included.

At this rate, the monthly amortization for a P1.8 million loan over 30 years drops to P9,120.34 from P11,082.91 at the regular 6.25%, resulting in savings of nearly P2,000 per month or P71,000 in three years.

To qualify, first-time homebuyers must have at least 12 monthly savings and earn below P47,856 in NCR or P34,686 outside NCR, while all OFWs qualify regardless of income. Loan proceeds may be used to purchase a house-and-lot, lot only, construct or improve a home, or acquire a Pag-IBIG Fund Acquired Asset.

“Last July, we introduced a 3% subsidized rate for socialized housing loans. Now, we are expanding this effort by offering a 4.5% rate for loans up to P1.8 million, making even non-socialized housing more affordable,” said DHSUD Secretary Jose Ramon C. Aliling, Chairperson of the Pag-IBIG Fund Board of Trustees. Pag-IBIG Fund CEO Marilene C. Acosta added, “Through this initiative, we provide substantial savings and help Filipino families realize their dream of homeownership, in support of President Marcos’ vision of a better and more secure life for every Filipino.”