APEC Homes - Best Properties

24/05/2026

🏡 OFW ka ba at naghahanap ng sariling bahay para sa pamilya mo dito sa Pinas?

Sa bawat sakripisyo mo abroad, possible na makapag-invest ka sa sariling tahanan para sa future ng pamilya mo. ✨

✔️ Available thru PAG-IBIG Housing Loan
✔️ Affordable monthly payment options
✔️ Ideal for OFWs and growing families
✔️ Located in Bulacan

I am Broker Cie — Your Real Estate Tita 🏡✨
Ready tumulong from inquiry hanggang turnover 😊

📩 Message me for FREE sample computation and property assessment.

Circle

07/05/2026

Ginawa namin itong simple checklist guide para mas maintindihan mo ang basic requirements sa Pag-IBIG Housing Loan. ✨

Hindi para i-overwhelm ka — kundi para mas maging handa ka. 😊
Dahil sa pagkuha ng bahay, lamang ang may alam. 🏡

https://www.facebook.com/share/p/1CUsDFenNd/?mibextid=wwXIfr

🏡 Dream mo bang magkaroon ng sariling bahay?

Minsan akala natin mahirap agad dahil sa requirements… pero ang totoo, mas madaling kumilos kapag alam mo na ang kailangan. 😊

Hindi mo kailangan maging mayaman agad para makapagsimula.
Ang importante:
✔️ may tamang guidance
✔️ alam ang proseso
✔️ at prepared step by step

Kaya ginawa namin itong simple checklist guide para mas maintindihan mo ang basic requirements sa Pag-IBIG Housing Loan. ✨

Baka mas malapit ka na sa “sarili mong bahay” kaysa sa iniisip mo. 🏡💚

📩 Message us if gusto mong malaman:
✔️ qualified ka ba
✔️ magkano kaya mong loan
✔️ anong property ang pasok sa budget mo

We are from ACE CIRCLE
under Broker Cie (PRC 0020173)

Broker Cie — Your Real Estate Tita 🏡

02/05/2026

“Married to a foreigner? Eto ang dapat mong malaman bago mag-apply ng housing loan.” 🏡

“Married to a foreigner? Eto ang dapat mong malaman bago mag-apply ng housing loan.” 🏡

Hindi porket financially capable ang spouse abroad, automatic approved na ang loan.

👉 Sa bank, ang tinitingnan ay ang qualified borrower
👉 May mga rules na dapat mong maintindihan para iwas deny

Basahin ang guide sa poster para malinaw ang next step mo 👇

📩 Message me if you want a proper assessment before you apply.

Broker Cie — Your Real Estate Tita 🏡

01/05/2026

𝙋𝘼𝙂𝙄𝘽𝙄𝙂 𝙈𝙚𝙢𝙗𝙚𝙧 na gustong maka avail ng house and lot thru PAGIBIG Housing Loan? Locally Employed? OFW? May BIr Registered Business - ito na yun pwede ka dito…

🏡𝗚𝗿𝗲𝗲𝗻𝘄𝗮𝘆 𝗣𝗹𝗮𝗰𝗲 (𝘉𝘨𝘺 𝘊𝘢𝘺𝘴𝘪𝘰, 𝘚𝘵𝘢. 𝘔𝘢𝘳𝘪𝘢, 𝘉𝘶𝘭𝘢𝘤𝘢𝘯)

📢 For as low as ₱9,532+/month lang thru PAGIBIG Rent to Own Housing Loan may townhouse ka na na may garahe.

📍Located at Bgy Caysio, Sta Maria, Bulacan (💯% Flood Free) - Murang House and Lot na malapit sa Metro Manila

📢 Alam mo ba na sa sahod na ₱27,232 ay maari ka ng magkaruon ng ganito kagandang 2 Storey Townhouse sa Bulacan (pwedeng combined salary ng mag-asawa or may co-borrower ka)

📢 Kung hindi ka PAGIBIG Member basta may proof of income ka.. pwede ka pa din dito dahil may InHouse Financing ang developer. PM kasi iba ang computation nito.

‼️RESERVE NOW‼️
📢 sa halagang ₱6,000 pwede mo ng ireserve ang townhouse na ito.

📢 If you prefer a bigger lot size meron din po kaming End and Corner Lot

🏡REGULAR TOWNHOUSE MODEL (INNER) 🏡
🌿Bare Type Upon Turn Over
🌿Preselling (kaya super affordable pa)
🌿Lot area - 36 sqm
🌿Floor area - 44sqm

🌻𝙃𝙤𝙪𝙨𝙚 𝙁𝙚𝙖𝙩𝙪𝙧𝙚𝙨
▪️2 Storeys
▪️Provision 2 bedrooms
▪️1 Toilet & bath
▪️Living area
▪️Dining area
▪️Kitchen
▪️Turn over: Bare Type
▪️Laundry Area

𝙎𝙪𝙗𝙙𝙞𝙫𝙞𝙨𝙞𝙤𝙣 𝙁𝙚𝙖𝙩𝙪𝙧𝙚𝙨
☑️Entrance Gate with Guard House 24/7 Security Guard
☑️Basketball Court
☑️Clubhouse, Parks and Play ground
☑️Perimeter Fence
Nearby

Establishments:
📌2 mins. away from Caysio Elementary School
📌8 mins. away from ACE Sta. Maria Medical Center
📌9 mins. away from Waltermart Sta. Maria Bulacan
📌10 mins. away from AllHome Sta. Maria
📌12 mins. away from Sta. Maria Municipal Hall
📌14 mins. away from PUP Sta. Maria
🚌 less than an hour travel from Manila via NLEX.
⌚10 minutes (4.1 km)from Waltermart Sta Maria

𝘼𝙫𝙖𝙞𝙡𝙖𝙗𝙡𝙚 𝙃𝙤𝙪𝙨𝙞𝙣𝙜 𝙇𝙤𝙖𝙣 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙣𝙜
▪️thru PAGIBIG
▪️thru INHOUSE Financing

Units Available
▪️Inner
▪️End
▪️Corner

Interested❓
📲Message me for more details or tripping schedule

📩 Message me if you want a proper assessment before you apply.

Broker Cie — Your Real Estate Tita 🏡✨
PRC 0020173 • DHSUD 0795

12/04/2026

Qualified ba ako sa Pag-IBIG Housing Loan? 🏠

Marami ang gustong kumuha ng sariling bahay pero ang tanong: qualified ka ba?

Ito ang basic requirements na dapat mong i-check:

⸻

✅ 1. Active Pag-IBIG Member

Dapat ikaw ay active member ng Pag-IBIG Fund

⸻

✅ 2. May at least 24 months contribution
• Pwede monthly hulog
• Kulang? Pwede mo i-lumpsum para makumpleto

⸻

✅ 3. May stable source of income
• Employed, self-employed, or OFW
• Kailangan mapatunayan na kaya mong magbayad monthly

⸻

✅ 4. Pasok ang income mo sa loan (35% rule)
• Monthly amortization should be within 35% ng income mo
👉 Example:
₱25,000 salary → around ₱8,750 max monthly amortization

⸻

✅ 5. Walang existing delinquent housing loan
• Kung may unpaid loan ka before, possible ma-deny ang application

⸻

✅ 6. Complete requirements
• Valid ID
• Payslip / proof of income
• Proof of contribution
• Employment certificate

⸻

💡 Reminder:

Hindi lang “gusto mo” ang basehan—dapat qualified at prepared ka financially para tuloy-tuloy ang pagbabayad.

⸻

📩 Need help?

Hindi ka sure kung qualified ka or anong property ang pasok sa budget mo?
Message me—I can help you assess for FREE.

It is me,
Broker Cie
Your Real Estate Tita
PRC 0020173
DHSUD 0795

25/03/2026

Ito yung house namin sa Marilao Grand Villas ng Apec Homes.

Meet “Winner” 🏡
Ito ang pangalan ng bahay namin — our original Winner.

Binili namin ito noong 2007 in Marilao, Bulacan. Literal na katas ng Saudi, pinaghirapan ng husband ko para lang magkaroon kami ng sariling bahay.

Imagine this… Nasa ₱5,500/month lang ang hulog namin noon, at ang total contract price was around ₱875,000. That was in 2007.

Fast forward today (2026)…
Ang presyo ng similar property sa area na yan ngayon is around ₱2.5M to ₱3M.

👉 That’s approximately 185% to 243% increase in value over time.

⸻

Bakit malaking bagay ito?

✨ Property Appreciation
Habang tumatagal, tumataas ang value ng lupa at bahay—lalo na sa developing areas.
Ibig sabihin, habang naghihintay ka… lalo ring nagmamahal.

✨ Advantage of Buying Early
Kung naghintay kami noon dahil wala kaming pang-cash, baka hindi na namin afford ngayon.
Dahil nag-start kami early, nakasabay kami sa mababang presyo.

✨ Bakit naging good loan ang housing loan namin noon?
Hindi namin kayang bayaran ng cash noon—pero dahil sa housing loan, nagkaroon kami ng property habang hinuhulugan pa lang.
Habang nagbabayad kami, tumataas na pala ang value ng bahay namin.

⸻

Our Journey:

✔ Reserved: 2007 – 2 years downpayment
✔ Loan start: 2009 (PAG-IBIG Housing Loan)

✔ Year 2016 – Lumipat kami sa Manila, ginawa naming rental ang property

✔ Fully paid: 2024 – finally, masasabi na namin na sa amin na talaga ang bahay 🙏 nakuha na namin ang original title ni Winner

✔ Year 2026 – From residential, ginawa na naming 4 commercial units + townhouse for rent. Btw — Unit 1 (corner) and Unit 2 commercial spaces are still available for rent.
Perfect for small businesses na gusto ng magandang pwesto na may high foot traffic and very visible dahil nasa corner lot ng main road 😉

👉 From bahay lang… naging source of passive income na siya ngayon.

✔ Total journey: 17 years 💯

⸻

Real talk:
Hindi mo kailangan maging mayaman para magsimula.
Kailangan mo lang mag-start habang kaya pa.

⸻

If you’re planning to buy your own property, I can guide you step by step.

👉 It’s me, Broker Cie. I can help you in your home buying journey. 🏡

⸻

24/03/2026

Looking for an affordable townhouse in Sta. Maria, Bulacan? 🏡

Greenway Place offers a practical and budget-friendly option for first-time homebuyers—perfect for starting your sariling bahay journey.

With flexible payment terms and Pag-IBIG financing, mas doable na ang magkaroon ng sariling bahay.

📩 Message me for sample computation, project details, and site viewing schedule.

Let’s find the right home for you. 🏡✨

12/11/2025

Gusto mo rin bang magkabahay kahit wala pang pang-cash? 🏡💛
Start your Pag-IBIG home journey today — simple lang, basta may tamang info!”

19/06/2025

Paano Ma-Qualify sa Pag-IBIG Housing Loan para sa Isang Subdivision Project?

Kung gusto mong mag-avail ng Pag-IBIG Housing Loan para sa isang developer project sa subdivision, sundin ang mga sumusunod na hakbang:

📌 Mga Hakbang sa Pagkuha ng Pag-IBIG Housing Loan
✅ Dapat ay miyembro ka ng Pag-IBIG Fund (at may hulog na minimum 24 months).
➡ Kung kulang pa ang 24 months na contribution, pwede mong bayaran ito nang buo (lump sum) ang kakulangan sa 24 months para ma-qualify.

✅ Siguraduhin na pasok ka sa mga basic qualifications:
✔️ May edad 65 pababa sa loan application at hindi tataas sa 70 years old sa loan maturity.
✔️ May kakayahang magbayad (stable na income at employment).
✔️ Walang outstanding Pag-IBIG housing loan na hindi pa bayad.
✔️ Walang record ng foreclosed, canceled, or bought-back na housing loan mula sa Pag-IBIG.

📌 Mga Requirements During Reservation
📌 Para masigurado ang slot mo, ihanda ang mga sumusunod:
✔️ One (1) Month Payslip o Proof of Income
✔️ Valid Government ID
✔️ Reservation Fee

📌 Mga Requirements for Loan Application
📌 Para sa Locally Employed:
➡ Pag-IBIG Membership Identification (MID) Number
➡ Valid ID (Government-issued)
➡ Company ID
➡ Latest 1-month Payslip
➡ Certificate of Employment & Compensation (COEC)
➡ Income Tax Return (ITR) o BIR Form 2316
➡ Proof of Billing (Meralco, tubig, internet, etc.)
➡ Marriage Certificate (kung kasal)

📌 Para sa OFW:
➡ Valid Passport & VISA
➡ Company ID
➡ Job Contract
➡ Certificate of Employment & Compensation (COEC)
➡ Payslip for the last 3 months
➡ Special Power of Attorney (SPA) – para sa representative sa Pilipinas
➡ Pag-IBIG Contribution Update – kung hindi ka na active sa hulog, pwede mong i-update ang payments mo.

📢 GOOD NEWS!
💡 Hindi mo na kailangang mag-apply ng loan direkta sa Pag-IBIG!
💡 Ang developer na ang mag-aasikaso ng loan application mo sa Pag-IBIG Fund.
💡 Kailangan mo lang pumasa sa initial evaluation ng developer at mag-submit ng required documents.

📩 Para sa detalye ng subdivision projects at loan qualifications, message us now! 📩

Its is me,
Broker Cie

16/05/2025

✅ Ano ito - “PASALO” house and lot with ASSUME PAYMENT of existing Pag-IBIG loan (TAO-TAO not thru Pag-IBIG): Dahil lamang ang may alam.

Disclaimer: we dont process Pasalo, this post is just an informational post for public awareness.

⸻

https://www.facebook.com/share/p/1BkmHyD4nV/?mibextid=wwXIfr

“PASALO” house and lot with ASSUME PAYMENT of existing Pag-IBIG loan (TAO-TAO not thru Pag-IBIG): Dahil lamang ang may alam.

Disclaimer: we dont process Pasalo, this post is just an informational post for public awareness.

⸻
✅ Ano ito

Pasalo = informally ipapasa ng original borrower (seller) ang property with loan sa new buyer (sasalong magbayad monthly).

⸻
📌REQUIREMENTS (tao-tao, not thru Pag-IBIG)

From Seller:
• Original Contract to Sell / Loan Agreement
• Valid IDs
• Pag-IBIG account details
• Payment history
• Authorization Letter or Acknowledgment Receipt
• Special Power of Attorney (SPA) (if seller is abroad)

From Buyer:
• Valid IDs
• Signed agreement with seller
• Cash for any past due, penalties, or cash-out

Joint Docs:
• Deed of Assignment / Transfer of Rights (notarized)
• Assumption Agreement (notarized)
• Affidavit of Undertaking (to pay Pag-IBIG monthly in seller’s behalf)

⸻

📝PROSESO
1. Agree on terms – cash-out, who pays arrears, etc.
2. Notarize documents – assignment, assumption, affidavit.
3. Buyer pays monthly – directly to Pag-IBIG under seller’s name.
4. Seller issues receipts or written acknowledgment.
5. Secure proof of payments – always keep Pag-IBIG receipts.
6. Optional: Register “Transfer of Rights” with Barangay or HOA (if allowed).

⸻

⚠️IMPORTANT: LEGALLY BAWAL SA PAG-IBIG

Pag-IBIG does not allow unofficial “pasalo” or assumption of loan without formal application. It’s risky because:
• Loan remains under seller’s name
• Pag-IBIG can cancel the loan if violations arise

⸻

✅ PROTEKSYON SA BUYER
• Have notarized documents (Transfer of Rights, Affidavit of Assumption)
• Keep all Pag-IBIG receipts
• Ask seller for SPA authorizing you to transact with Pag-IBIG
• Optional: Put caveat/notice on title with lawyer

⸻

✅ PROTEKSYON SA SELLER
• Clear written and notarized assumption agreement
• Stated that buyer will continue paying monthly on their behalf
• Buyer waives right to refund if they default
• Optional: Require collateral or postdated checks

⸻

❗POSSIBLE ISSUE AFTER 30 YEARS (or end of the loan term)

If after 30 years (or end of the loan term) the buyer finishes the loan but the title is still under seller’s name and seller is missing or deceased:
• Buyer cannot transfer the title easily
• Must go through court or heirs of seller
• Notarized Deed of Assignment helps, but may still need court intervention

⸻

⚠️ CONS
• No title transfer until full payment + seller cooperation
• Buyer bears risk if seller becomes unreachable
• Seller still legally liable for Pag-IBIG loan
• Harder to resell without title

⸻

✅ PROS
• Lower cash-out
• Easy to start living in the unit
• Option for those who can’t yet qualify directly at Pag-IBIG

⸻

🔒 BEST PRACTICE

It is advisable and If possible, convert to formal Pag-IBIG loan assumption. Let the buyer apply with the developer or directly with Pag-IBIG to assume and transfer ownership legally.

⸻
It is me,
Broker Cielo Pagcaliwagan
Licensed Real Estate Broker
REB PRC 0020173
DHSUD 00795

07/04/2025

𝙋𝘼𝙂𝙄𝘽𝙄𝙂 𝙈𝙚𝙢𝙗𝙚𝙧 na gustong maka avail ng house and lot with CARPORT? ito na yun

✨🏡𝙂𝙍𝙀𝙀𝙉𝙒𝘼𝙔 𝙋𝙇𝘼𝘾𝙀🏡✨
Located at 📌Brgy. Caysio, Sta Maria, Bulacan
By APEC Homes Dev’t Corp.

‼️HURRY UP LIMITED SLOTS TO AVAIL‼️

SAMPLE COMPUTATION:
Floor Area: 44 sqm.
Lot Area: 48 sqm.
TOWNHOUSE WITH CARPORT
TCP: ₱1,858,920
Reservation : ₱6,000
Loanable: ₱1,573,000
Total Downpayment: ₱285,960
Monthly Downpayment: ₱9,029.68 payable for (31) months
Monthly Amortization: ₱10,234.68 thru PAGIBIG Housing Loan payable in 30 years
Basic Salary Required: ₱29,000

🏡𝗚𝗥𝗘𝗘𝗡𝗪𝗔𝗬 𝗣𝗟𝗔𝗖𝗘🏡

📢 If you prefer a bigger unit meron din po kaming Duplex with Garage

🏡REGULAR TOWNHOUSE MODEL (INNER) 🏡
🌿Bare Type Upon Turn Over
🌿Preselling (kaya super affordable pa)
🌿Lot area - 36 sqm
🌿Floor area - 44sqm
🌻𝙃𝙤𝙪𝙨𝙚 𝙁𝙚𝙖𝙩𝙪𝙧𝙚𝙨
▪️2 Storeys
▪️Provision 2 bedrooms
▪️1 Toilet & bath
▪️Living area
▪️Dining area
▪️Kitchen
▪️Turn over: Bare Type
▪️Laundry Area
▪️ Provision for Carport
𝙎𝙪𝙗𝙙𝙞𝙫𝙞𝙨𝙞𝙤𝙣 𝙁𝙚𝙖𝙩𝙪𝙧𝙚𝙨
☑️Entrance Gate with Guard House 24/7 Security Guard
☑️Basketball Court
☑️Clubhouse, Parks and Play ground
☑️Perimeter Fence

Nearby Establishments:
📌2 mins. away from Caysio Elementary School
📌8 mins. away from ACE Sta. Maria Medical Center
📌9 mins. away from Waltermart Sta. Maria Bulacan
📌10 mins. away from AllHome Sta. Maria
📌12 mins. away from Sta. Maria Municipal Hall
📌14 mins. away from PUP Sta. Maria
🚌 less than an hour travel from Manila via NLEX.
⌚10 minutes (4.1 km)from Waltermart Sta Maria

𝘼𝙫𝙖𝙞𝙡𝙖𝙗𝙡𝙚 𝙃𝙤𝙪𝙨𝙞𝙣𝙜 𝙇𝙤𝙖𝙣 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙣𝙜
▪️thru PAGIBIG
▪️thru INHOUSE Financing

Units Available
▪️Inner
▪️End
▪️Corner

Interested❓
📲Message me for more details or tripping schedule








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