Philippine Condominium Investment - Asia

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 🏡

05/10/2025

Congratulations, Cyra, on successfully closing a sale of a condo unit in Deca Tower Cubao! 🎉

I truly appreciate your dedication—juggling between corporate work, running a business, and still excelling in real estate.

To God be the greatest glory! 🙏

If you’re dreaming of owning a condo along EDSA, just a few steps from MRT Cubao and Araneta Center, send me a message and let’s make it happen! 🏢

26/07/2025

🏢 URBAN DECA TOWERS – CUBAO
✅ Condo sa QC na pwede thru PAGIBIG Housing Loan

✅ Turnover units are fully finished
✅ Walking distance to key establishments – schools, hospitals, markets, malls, and other commercial areas
✅ Highly accessible via all modes of public transport – MRT Cubao Station, buses, jeepneys

📍Location: Urban Deca Towers – Cubao, EDSA (southbound) corner Mayor Ignacio Diaz St.,
Brgy. San Martin de Porres, Cubao, Quezon City

🏠 High rental potential! This property is always in demand. You can have it rented out either for Airbnb or long-term stays.
📈 Rental rates for a fully furnished studio unit start at ₱15,000/month

📞 For inquiries and site viewing, message or call now!

18/06/2025

📍 Urban Deca Ortigas | Condo Living Made Easy

🏙️ Affordable. Accessible. Modern.
✨ Live at the heart of Pasig-Ortigas without breaking the bank!

🎥 Daily condo tours, sneak peeks, deals, and condo life hacks!

💬 DM me for full project details & site viewing schedule!

🏡 Pag-IBIG & Bank Financing Available!

📲 Let me and my team help you in your real estate journey.

05/06/2025

The power of 𝗥𝗘𝗔𝗟 𝗘𝗦𝗧𝗔𝗧𝗘 𝗜𝗡𝗩𝗘𝗦𝗧𝗜𝗡𝗚 sa....

URBAN DECA ORTIGAS (Condo na pwede i-Loan thru PAGIBIG Housing Loan Financing

✔️Monthly Amortization Starts at ₱21,000 - (30 years thru Pagibig Financing)

‼️Alam mo ba last October 2024 nasa ₱19,950 lang ang monthly - the power of real estate appreciation ng properties

🛈 Pero alam mo ba As of Kune 2025 ang rental rate ng 2-bedroom room na condo unit sa Deca Ortigas ay nasa ₱18,000 to ₱20,000 na ang upahan.

Turn Your Rental Property into a Smart Passive Income Stream.

💸💸💸 Convert the space into an INVESTORS' UNIT.

✔️ This property can be rented and be your source of passive income - this is the power of REAL ESTATE INVESTING. Let the unit pay for itself.
✔️ 2 Bedroom unit na Condo
✔️ Pwede sa Pagibig
✔️ Nasa Metro Manila
✔️ No Downpayment
✔️ 10k Cashout lang
✔️ RFO Unit NA, KAYA MADALING LIPATAN
✔️ Lipat within 3-5 months approval
✔️ Affordable na ito considering na nasa Metro Manila ito

Available Financing: PAGIBIG and BANK Financing

🏙️ AMENITIES:
▪️ Community Mall
▪️ Multipurpose Hall
▪️ Pocket Parks
▪️ Basketball Courts ⛹️
▪️ Outdoor Gym🏋️
▪️ Children's Playground
▪️ Admin Office
▪️ 24/7 Security

🌟 Excellent Location:
▪️ Close to SM East Ortigas, The Medical City, Super 8, Robinson's Junction Cainta
▪️ Easy Access to CBDs (Ortigas, Makati, Taguig, Eastwood, Cubao, Ortigas, San Juan, and Mandaluyong)

Do you ever have a doubt investing NOW? Cast your worries away since 𝙩𝙝𝙚 𝙗𝙚𝙨𝙩 𝙩𝙞𝙢𝙚 𝙩𝙤 𝙄𝙉𝙑𝙀𝙎𝙏 𝙞𝙣 𝙍𝙀𝘼𝙇 𝙀𝙎𝙏𝘼𝙏𝙀 𝙞𝙨 𝙉𝙊𝙒.

Interested to own your own HOME and a REAL ESTATE INVESTMENT. I can help you.
Message me so we can talk about your wise investment.

👩‍💼👨‍💼For inquiries, project details, tripping and reservation,
PM is the 🔑 or contact me at 📲

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

07/03/2025

🏡 Want to own a condo unit in Ortigas thru PAGIBIG Housing Loan Financing?

Own it now at Urban Deca Homes Ortigas with flexible financing.
PM me now to see if you are qualified

Great news! Our property is Pag-IBIG accredited, making it easier for you to apply for a home loan with payment terms of up to 30 years—and an initial payment as low as PHP 10,000!

𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐊 𝐢𝐬 𝐍𝐨𝐰 𝐨𝐟𝐟𝐢𝐜𝐢𝐚𝐥𝐥𝐲 𝐎𝐩𝐞𝐧
2 Bedrooms And 3 Bedrooms available
Available Units :
2BR Unit A - 35.57 sqm
2BR Unit B - 30.60 sqm
2BR Unit C - 35.57 sqm
3BR Unit A - 42.07 sqm

Facing amenities available

📩 Message us today for more details!
Broker Cielo Pagcaliwagan
PRC 0020173 / DHSUD 0795
Message me at : https://m.me/brownpinay
my FB: Cie Pagcaliwagan
( https://www.facebook.com/brownpinay/ )

27/02/2025

🏡 Want to own a unit at Urban Deca Homes Ortigas with flexible financing?

Great news! Our property is Pag-IBIG accredited, making it easier for you to apply for a home loan with payment terms of up to 30 years—and an initial payment as low as PHP 10,000!

📩 Message us today for more details!
Broker Cielo Pagcaliwagan
PRC 0020173 / DHSUD 0795
Message me at : https://m.me/brownpinay
my FB: Cie Pagcaliwagan ( https://www.facebook.com/brownpinay/ )

03/10/2024

The power of 𝗥𝗘𝗔𝗟 𝗘𝗦𝗧𝗔𝗧𝗘 𝗜𝗡𝗩𝗘𝗦𝗧𝗜𝗡𝗚 sa....

URBAN DECA ORTIGAS (Condo na pwede i-Loan thru PAGIBIG Housing Loan Financing

Monthly Amortization Starts at ₱19,950 (30 years thru Pagibig Financing)

🛈 Pero alam mo ba As of October 2024 ang rental rate ng 2-bedroom room na condo unit sa Deca Ortigas ay nasa ₱17,000 to ₱20,000 na ang upahan.

Turn Your Rental Property into a Smart Passive Income Stream.

💸💸💸 Convert the space into an INVESTORS' UNIT.

✔️ This property can be rented and be your source of passive income - this is the power of REAL ESTATE INVESTING. Let the unit pay for itself.
✔️ 2 Bedroom unit na Condo
✔️ Pwede sa Pagibig
✔️ Nasa Metro Manila
✔️ No Downpayment
✔️ 10k Cashout lang
✔️ RFO Unit NA, KAYA MADALING LIPATAN
✔️ Lipat within 3-5 months approval
✔️ Affordable na ito considering na nasa Metro Manila ito

Available Financing: PAGIBIG and BANK Financing

🏙️ AMENITIES:
▪️ Community Mall
▪️ Multipurpose Hall
▪️ Pocket Parks
▪️ Basketball Courts ⛹️
▪️ Outdoor Gym🏋️
▪️ Children's Playground
▪️ Admin Office
▪️ 24/7 Security

🌟 Excellent Location:
▪️ Close to SM East Ortigas, The Medical City, Super 8, Robinson's Junction Cainta
▪️ Easy Access to CBDs (Ortigas, Makati, Taguig, Eastwood, Cubao, Ortigas, San Juan, and Mandaluyong)

Do you ever have a doubt investing NOW? Cast your worries away since 𝙩𝙝𝙚 𝙗𝙚𝙨𝙩 𝙩𝙞𝙢𝙚 𝙩𝙤 𝙄𝙉𝙑𝙀𝙎𝙏 𝙞𝙣 𝙍𝙀𝘼𝙇 𝙀𝙎𝙏𝘼𝙏𝙀 𝙞𝙨 𝙉𝙊𝙒.

Interested to own your own HOME and a REAL ESTATE INVESTMENT. I can help you.
Message me so we can talk about your wise investment.

👩‍💼👨‍💼For inquiries, project details, tripping and reservation,
PM is the 🔑 or contact me at 📲

03/09/2024

Looking for an affordable condo unit yet conveniently located in Manila?

🏢 AVAIL A UNIT NOW – AMAIA SKIES STA. MESA

💡 An Unbeatable Location, everything within the reach!

Interested❓
📲Contact me for more project details