R&K Realty

14/04/2024

To give you a more accurate cleaning and reasonable price rates. Please call us 09915182304

27/01/2024

Yesterday's event was truly remarkable! I had the privilege of attending the capsule laying at Uptown Metropolis, the latest project by A Brown Company, Inc, nestled in the serene embrace of nature. The breathtaking view of the Cagayan de Oro River and mountains added a touch of tranquility to the atmosphere.

It was a joy to reconnect with friends and colleagues from the real estate industry, creating meaningful connections in such a picturesque setting. If you're considering investing in this property, feel free to reach out to us at 09358784350. Join us in embracing the beauty and potential of Uptown Metropolis!

20/01/2024

Attending PKS at IDC and site viewing at Zircon with our Team

08/01/2024

"Thank you, Atty Lip St. James, for your help. If you have any concerns regarding land matters, 𝗦𝗮𝗻𝘁𝗶𝗮𝗴𝗼 𝗟𝗮𝘄 𝗢𝗳𝗳𝗶𝗰𝗲 & 𝗥𝗲𝗮𝗹𝘁𝘆 in Oroquieta city can assist you."

31/12/2023

Happy New Year Everyone

13/12/2023

Repost
PAG-IBIG HOUSING LOAN TIPS‼️
If kumuha ka ng house sa subdivision through PAG-IBIG, take note of these tips:

📌Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

📌Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal. I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34 Monthly Amortization:

P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal 😭
= P9,555.34 total monthly Amortization

Diba ang liit ng kaltas sa principal. Ang laki ng bayad sa interest. 😭

📌This is how you compute your monthly interest. Bigay ko na example yung amin.

1.6M = principal (total amount ng utang namin)
5.375% = annual interest
divided by 12 months

1.6M x 5.375% ÷ 12 = P7,166.67

📌That's why, it is highly recommended to pay in advance sa principal mismo if you have extra money para lumiit din ang interest na binabayaran mo. For example, after 5 years, 1M na lang principal mo so 1M x 5.375% ÷ 12 = P4,479.17

📌Di bababa ang monthly amortization mo BUT because smaller na ang interest, BIGGER na ang kaltas sa principal mo.

📌If you have extra money and you want to pay in advance, go directly to pag-ibig office and sabihin EXCESS TO PRINCIPAL yung payment mo.

---For example, magbabayad ka ng 50k and
10k ang monthly amortization,
the excess which is 40k will be deducted directly sa principal amount mo. So nakabayad ka na ng monthly Amortization, nabawasan pa principal mo.

📌Iwasan mag advance payment sa monthly amortization sa bayad centers. Mababa lang nababawas nyan sa principal mo. Bayad ka na lang sa principal.

---For example, if nag bayad ka sa payment centers ng 50k for your monthly amortization, meaning you don't need to pay for 5 months kasi nag advance ka na sa monthly amortization mo. Pero ang liit lang ng kaltas nyan sa principal mo.

📌You can pay the principal ONLY IN PAG-IBIG OFFICE not in bayad centers.

📌For example, nakabayad ka na ng monthly mo sa bayad center last April 1 tapos may extra money ka pala before your due date and you want to pay in advance, pwede pa yan. Punta ka ng pagibig office and say you'll pay DIRECT TO PRINCIPAL. Para whole amount na mabayad sa principal.

This is based on clients experience and based sa sabi ng staff sa pagibig. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang 🙂

09/12/2023

29/11/2023

‼️‼️AVAILABLE READY FOR OCCUPANCY STUDIO UNIT AT D’RESIDENTIAL LOFT
Located at Macapagal Drive,Upper Carmen
Cagayan de Oro City

❇️30 SQM. STUDIO UNIT
❇️ 10-STOREY BUILDING
❇️ SWIMMING POOL
❇️GYM
❇️FUNCTION HALLS
❇️ROOFTOP CAFÉ

VERY NEAR TO THE FOLLOWING:
✅SM CITY
✅PUEBLO DE ORO GOLF & COUNTRY CLUB
✅XAVIER UNIVERSITY-ATENEO DE CAGAYAN
✅BANKS
✅GOVERNMENT OFFICES
✅FOOD CHAINS/FOOD PARKS
✅CHURCH

Secure your spot NOW❗️

Message us for inquiries and reservations
☎️ 0935-878-4350

Rolando G. Cuaresma II
Real Estate Broker
Reb Lic No. 0022840
DHSUD PCOR No. R-10-B-01-23-037 valid 12/31/2023
PTR No. 5590521

28/11/2023

CHRISTmas is approaching! and as part of our gratitude to our valued clients we open NEW SLOTS for you and enjoy our PAYMENT HOLIDAY.

Your first equity payment will be on JANUARY 30, 2024.

Grab this chance to hold a unit NOW!

(This promo runs November EXTENDED UNTIL NOVEMBER 30)

Message us for inquiries and reservations
Contact number: 0935-878-4350

Rolando G. Cuaresma II
Real Estate Broker
Reb Lic No. 0022840
DHSUD PCOR No. R-10-B-01-23-037 valid 12/31/2023