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

Shinrai Realty Services

Name: Shinrai Realty Services
Address: Carmen, Cagayan de Oro, 9000, PH
Telephone: +63883230796

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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.

19/05/2026

Congratulations to this amazing couple! 🎉

Teamwork makes the dream work! Helping each other reach the goal while helping clients find their dream home. 🏡✨

Your partnership, dedication, and hard work are truly inspiring. More sales and more blessings! 👏🔥

19/05/2026

Back-to-back sales for Master Julious and Master Marlycel on this amazing day! 🎉🏡

This is the result of following the system, staying consistent, and taking action! ✨️💪🎖

From retiring from the 9am–5pm job to excelling in real estate, your journey is truly inspiring. ✨

Congratulations, Masters! More sales and more blessings ahead! 🔥👏

18/05/2026

Congratulations to Master Karol for closing a reservation at Golden Haven Memorial Park! 🥳🏡

Even while recovering from surgery, she showed up and gave her best—a true testament to the Shinrai spirit. 🦁❤️

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

Keep winning, Master Karol! 🏆👏

16/05/2026

Rice is life! 🍚✨

Another bugas claimed!

Close a deal and get 5 kilos of rice!

Congratulations, Master Leila! 🎉👏

More sales, more blessings, and more bugas! 💚🏡

15/05/2026

Rice is life! 🍚✨

Close a deal and get 5 kilos of rice plus barley from Japan 🇯🇵 for a back-to-back sale!

Congratulations, Master Anabel and Master Billy! 🎉👏

More sales, more blessings, and more bugas! 💛🏡

13/05/2026

Happy Birthday, Master Fatima! 🎉💖

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. 🥳🥰

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

Enjoy your special day to the fullest — you truly deserve all the happiness in the world! 🎂✨
Once Again Happy Birthday Master Fatima🥳

10/05/2026

🏡 HOW BANK FINANCING WORKS FOR A RESALE PROPERTY 🤔

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

Here’s a simple guide:

1️⃣ Choose the Property 🏘🏢

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

2️⃣ Make Due Diligence

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

3️⃣ Pay the Earnest / Reservation Money

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

4️⃣ Submit Requirements to the Bank

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

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

5️⃣ Bank Evaluation

The bank will:

✔️ Check the buyer’s capacity to pay
✔️ Conduct credit investigation
✔️ Appraise the property value
⏳ This usually takes a few days to a few weeks.

6️⃣ Loan Approval

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

✔️ Approved Loan Amount
✔️ Monthly Amortization
✔️ Interest Rate
✔️ Loan Term

7️⃣ Downpayment / Difference Payment

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

8️⃣ Signing of Documents Both buyer and seller sign:

✔️ Deed of Absolute Sale
✔️ Loan Documents
✔️ Mortgage Documents

9️⃣ Transfer of Title

The title is transferred to the buyer’s name and annotated/mortgaged to the bank.

🔟 Bank Releases Payment

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

💡 SIMPLE REMINDER FOR CLIENTS:

“The bank does not automatically pay the seller immediately. The property and documents must first pass the bank’s evaluation and legal process.”

📩 Message us for professional assistance!

09/05/2026

Happy Mother’s Day to all the amazing moms out there! 💖

Thank you for your unconditional love, strength, sacrifices, and endless care. Today, we celebrate you — the heart of every home. 🌷

From your Shinrai Realty Services Family, “You Deserve the Best!” ✨

08/05/2026

🏡 𝗞𝗡𝗢𝗪 𝗧𝗛𝗘 𝗗𝗜𝗙𝗙𝗘𝗥𝗘𝗡𝗖𝗘!

Many people get confused between 𝗭𝗼𝗻𝗮𝗹 𝗩𝗮𝗹𝘂𝗲, 𝗔𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗩𝗮𝗹𝘂𝗲, and 𝗠𝗮𝗿𝗸𝗲𝘁 𝗩𝗮𝗹𝘂𝗲 in real estate.

Here’s a simple guide 👇

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
Donor’s Tax
Estate Tax

🚨Important:

BIR usually uses the higher value between:
Selling Price
Zonal Value
Fair Market Value (Assessor’s Value)

Example:
If:
Selling Price = ₱2M
Zonal Value = ₱2.5M

Taxes may be computed based on ₱2.5M because it is higher.

2. Assessed Value

The Assessed Value is the value determined by the City or Municipal Assessor’s Office.

Purpose:

Used for:
Real Property Tax (Amilyar)

Formula:

Assessed Value = Fair Market Value × Assessment Level

Example:

Fair Market Value from Assessor = ₱1,000,000
Assessment Level = 20%

➡️ Assessed Value = ₱200,000

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 = ₱15,000/sqm
Assessed Value = ₱8,000/sqm
Actual Market Value = ₱30,000/sqm

Because buyers are willing to pay more in that area.

Simple Real Estate Explanation

Think of it this way:

Market Value = “How much buyers are willing to pay.”

Zonal Value = “Minimum value BIR may recognize for taxes.”

Assessed Value = “Value used by City Hall for amilyar.”

07/05/2026

Congratulations, Master Layla! 🎉🔥🏡

Another brokerage deal successfully sealed!
Master Layla refused to accept being left behind when it comes to brokerage deals — and now the results are showing. 💼✨

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! 🚀

Keep grinding, keep closing, and keep proving that persistence creates results. More brokerage deals and bigger victories ahead! 🙌🔥

07/05/2026

AYALA LAND 2026 BUSINESS PARTNER COMMITMENT CEREMONY 📃🖋

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

Website

http://www.shinrairealtyph.com/

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