Shinrai Realty Services

Shinrai Realty Services At Shinrai Realty Services, you deserve the BEST!

Established in 2022 in CDO, SHINRAI REALTY SERVICES offers trusted, client-centered real estate solutions across Mindanao.

Congratulations to this amazing couple! ๐ŸŽ‰Teamwork makes the dream work! Helping each other reach the goal while helping ...
19/05/2026

Congratulations to this amazing couple! ๐ŸŽ‰

Teamwork makes the dream work! Helping each other reach the goal while helping clients find their dream home. ๐Ÿกโœจ

Your partnership, dedication, and hard work are truly inspiring. More sales and more blessings! ๐Ÿ‘๐Ÿ”ฅ

Back-to-back sales for Master Julious and Master Marlycel on this amazing day! ๐ŸŽ‰๐ŸกThis is the result of following the sys...
19/05/2026

Back-to-back sales for Master Julious and Master Marlycel on this amazing day! ๐ŸŽ‰๐Ÿก

This is the result of following the system, staying consistent, and taking action! โœจ๏ธ๐Ÿ’ช๐ŸŽ–

From retiring from the 9amโ€“5pm job to excelling in real estate, your journey is truly inspiring. โœจ

Congratulations, Masters! More sales and more blessings ahead! ๐Ÿ”ฅ๐Ÿ‘

Congratulations to Master Karol for closing a reservation at Golden Haven Memorial Park! ๐Ÿฅณ๐Ÿกโ€‹Even while recovering from s...
18/05/2026

Congratulations to Master Karol for closing a reservation at Golden Haven Memorial Park! ๐Ÿฅณ๐Ÿก

โ€‹Even while recovering from surgery, she showed up and gave her bestโ€”a true testament to the Shinrai spirit. ๐Ÿฆโค๏ธ

Kudos to this amazing mom for balancing her recovery and hustle so gracefully.

โ€‹Keep winning, Master Karol! ๐Ÿ†๐Ÿ‘


โ€‹

Rice is life! ๐ŸšโœจAnother bugas claimed! Close a deal and get 5 kilos of rice! Congratulations, Master Leila! ๐ŸŽ‰๐Ÿ‘More sales...
16/05/2026

Rice is life! ๐Ÿšโœจ

Another bugas claimed!

Close a deal and get 5 kilos of rice!

Congratulations, Master Leila! ๐ŸŽ‰๐Ÿ‘

More sales, more blessings, and more bugas! ๐Ÿ’š๐Ÿก




Rice is life! ๐ŸšโœจClose a deal and get 5 kilos of rice plus barley from Japan ๐Ÿ‡ฏ๐Ÿ‡ต for a back-to-back sale!Congratulations, ...
15/05/2026

Rice is life! ๐Ÿšโœจ

Close a deal and get 5 kilos of rice plus barley from Japan ๐Ÿ‡ฏ๐Ÿ‡ต for a back-to-back sale!

Congratulations, Master Anabel and Master Billy! ๐ŸŽ‰๐Ÿ‘

More sales, more blessings, and more bugas! ๐Ÿ’›๐Ÿก




Happy Birthday, Master Fatima! ๐ŸŽ‰๐Ÿ’–Wishing you a day full of love, laughter, and happiness. May this new year of your life...
13/05/2026

Happy Birthday, Master Fatima! ๐ŸŽ‰๐Ÿ’–

Wishing you a day full of love, laughter, and happiness. May this new year of your life bring success, good health, endless blessings, and beautiful memories. ๐Ÿฅณ๐Ÿฅฐ

Keep smiling, shining, and being the amazing person you are.๐Ÿฅณ

Enjoy your special day to the fullest โ€” you truly deserve all the happiness in the world! ๐ŸŽ‚โœจ
Once Again Happy Birthday Master Fatima๐Ÿฅณ

๐Ÿก HOW BANK FINANCING WORKS FOR A RESALE PROPERTY ๐Ÿค”Buying a resale property through bank financing is easy when you under...
10/05/2026

๐Ÿก HOW BANK FINANCING WORKS FOR A RESALE PROPERTY ๐Ÿค”

Buying a resale property through bank financing is easy when you understand the process step by step.

Hereโ€™s a simple guide:

1๏ธโƒฃ Choose the Property ๐Ÿ˜๐Ÿข

The buyer selects the resale property and agrees on the selling price with the owner.

2๏ธโƒฃ Make Due Diligence

Verify the title, tax declarations, property condition, ownership, and possible legal concerns before proceeding.

3๏ธโƒฃ Pay the Earnest / Reservation Money

The buyer gives an initial payment as proof of intent to buy.

4๏ธโƒฃ Submit Requirements to the Bank

The buyer applies for a housing loan and submits documents such as:

โœ… Valid IDs
โœ… Proof of Income
โœ… Bank Statements
โœ… Reservation Agreement / Offer to Sell
โœ… Property Documents from the Seller

5๏ธโƒฃ Bank Evaluation

The bank will:

โœ”๏ธ Check the buyerโ€™s capacity to pay
โœ”๏ธ Conduct credit investigation
โœ”๏ธ Appraise the property value
โณ This usually takes a few days to a few weeks.

6๏ธโƒฃ Loan Approval

Once approved, the bank issues a Loan Approval Letter stating:

โœ”๏ธ Approved Loan Amount
โœ”๏ธ Monthly Amortization
โœ”๏ธ Interest Rate
โœ”๏ธ Loan Term

7๏ธโƒฃ Downpayment / Difference Payment

If the bank finances only part of the property value, the buyer pays the remaining balance directly to the seller.

8๏ธโƒฃ Signing of Documents Both buyer and seller sign:

โœ”๏ธ Deed of Absolute Sale
โœ”๏ธ Loan Documents
โœ”๏ธ Mortgage Documents

9๏ธโƒฃ Transfer of Title

The title is transferred to the buyerโ€™s name and annotated/mortgaged to the bank.

๐Ÿ”Ÿ Bank Releases Payment

After documentation is completed, the bank releases the loan proceeds to the seller.
๐ŸŽ‰ The buyer can now officially move in and own the property while paying monthly to the bank.

๐Ÿ’ก SIMPLE REMINDER FOR CLIENTS:

โ€œThe bank does not automatically pay the seller immediately. The property and documents must first pass the bankโ€™s evaluation and legal process.โ€

๐Ÿ“ฉ Message us for professional assistance!








Happy Motherโ€™s Day to all the amazing moms out there! ๐Ÿ’–Thank you for your unconditional love, strength, sacrifices, and ...
09/05/2026

Happy Motherโ€™s Day to all the amazing moms out there! ๐Ÿ’–

Thank you for your unconditional love, strength, sacrifices, and endless care. Today, we celebrate you โ€” the heart of every home. ๐ŸŒท

From your Shinrai Realty Services Family, โ€œYou Deserve the Best!โ€ โœจ

๐Ÿก ๐—ž๐—ก๐—ข๐—ช ๐—ง๐—›๐—˜ ๐——๐—œ๐—™๐—™๐—˜๐—ฅ๐—˜๐—ก๐—–๐—˜!Many people get confused between ๐—ญ๐—ผ๐—ป๐—ฎ๐—น ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ, ๐—”๐˜€๐˜€๐—ฒ๐˜€๐˜€๐—ฒ๐—ฑ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ, and ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ in real estate. Her...
08/05/2026

๐Ÿก ๐—ž๐—ก๐—ข๐—ช ๐—ง๐—›๐—˜ ๐——๐—œ๐—™๐—™๐—˜๐—ฅ๐—˜๐—ก๐—–๐—˜!

Many people get confused between ๐—ญ๐—ผ๐—ป๐—ฎ๐—น ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ, ๐—”๐˜€๐˜€๐—ฒ๐˜€๐˜€๐—ฒ๐—ฑ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ, and ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ in real estate.

Hereโ€™s a simple guide ๐Ÿ‘‡

1. Zonal Value

The Zonal Value is the value set by the Bureau of Internal Revenue (BIR) for taxation purposes.

Purpose:

Used as basis for:
Capital Gains Tax
Documentary Stamp Tax
Donorโ€™s Tax
Estate Tax

๐ŸšจImportant:

BIR usually uses the higher value between:
Selling Price
Zonal Value
Fair Market Value (Assessorโ€™s Value)

Example:
If:
Selling Price = โ‚ฑ2M
Zonal Value = โ‚ฑ2.5M

Taxes may be computed based on โ‚ฑ2.5M because it is higher.

2. Assessed Value

The Assessed Value is the value determined by the City or Municipal Assessorโ€™s Office.

Purpose:

Used for:
Real Property Tax (Amilyar)

Formula:

Assessed Value = Fair Market Value ร— Assessment Level

Example:

Fair Market Value from Assessor = โ‚ฑ1,000,000
Assessment Level = 20%

โžก๏ธ Assessed Value = โ‚ฑ200,000

This becomes the basis for annual property tax.

3. Market Value

The Market Value is the actual estimated selling price in the current market.

Purpose:

Used by:

Buyers and sellers
Brokers
Banks
Appraisers

Influenced by:

Location
Demand
Developments nearby
Property condition
Accessibility

Example:

A property may have:
Zonal Value = โ‚ฑ15,000/sqm
Assessed Value = โ‚ฑ8,000/sqm
Actual Market Value = โ‚ฑ30,000/sqm

Because buyers are willing to pay more in that area.

Simple Real Estate Explanation

Think of it this way:

Market Value = โ€œHow much buyers are willing to pay.โ€

Zonal Value = โ€œMinimum value BIR may recognize for taxes.โ€

Assessed Value = โ€œValue used by City Hall for amilyar.โ€

Congratulations, Master Layla! ๐ŸŽ‰๐Ÿ”ฅ๐ŸกAnother brokerage deal successfully sealed!Master Layla refused to accept being left b...
07/05/2026

Congratulations, Master Layla! ๐ŸŽ‰๐Ÿ”ฅ๐Ÿก

Another brokerage deal successfully sealed!
Master Layla refused to accept being left behind when it comes to brokerage deals โ€” and now the results are showing. ๐Ÿ’ผโœจ

The competition is on, the hunger keeps getting bigger, and the mindset to win becomes stronger every single day. Your consistency, determination, and drive to push forward are inspiring the team! ๐Ÿš€

Keep grinding, keep closing, and keep proving that persistence creates results. More brokerage deals and bigger victories ahead! ๐Ÿ™Œ๐Ÿ”ฅ

AYALA LAND 2026 BUSINESS PARTNER COMMITMENT CEREMONY ๐Ÿ“ƒ๐Ÿ–‹
07/05/2026

AYALA LAND 2026 BUSINESS PARTNER COMMITMENT CEREMONY ๐Ÿ“ƒ๐Ÿ–‹

Address

Carmen
Cagayan De Oro
9000

Opening Hours

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

Telephone

+63883230796

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