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Vitale Suites Condominium, H. Cortes Street Cor. Panagdait St, Cebu City (2026)

28/05/2026

💥BREAKING NEWS: FROM PHP 6 MILLION ➡️ PHP 10 MILLION!💥

Pag-IBIG is now increasing their Maximum Housing Loan Limit to Php 10 Million. 💙

That is a substantial 66.7% rise!

What does this mean?

Now other Pag-IBIG accredited projects might become more attainable through our state-backed fund!

Don't miss out on this game-changing update.

Start investing in your own home today!

Message us now to check out our eligible properties! 📲

27/04/2026

🏠 𝐓𝐇𝐄 𝐌𝐀𝐂𝐄𝐃𝐀 𝐋𝐀𝐖 ( 𝐑.𝐀. 𝐍𝐨. 𝟔𝟓𝟓𝟐)

Ang Maceda Law o Realty Installment Buyer Protection Act ay nagbibigay-proteksyon sa mga bumibili ng real estate properties na hulugan o installment basis, lalo na kung sila ay hindi nakabayad sa tamang oras. Layunin nito na maging makatarungan ang proseso at maiwasan ang agarang pagkakansela o pag-forfeit ng lahat ng bayad.

🔑 𝙎𝙖𝙠𝙡𝙖𝙬 𝙣𝙜 𝘽𝙖𝙩𝙖𝙨
Sakop nito ang mga bumili ng:
• Residential real estate (bahay, lupa, condo)
• Ibinenta sa pamamagitan ng installment payments

❗ 𝙃𝙞𝙣𝙙𝙞 𝙨𝙖𝙠𝙤𝙥:
• Industrial at commercial properties
• Rent-to-own schemes (depende sa structure ng kontrata)

💰 𝙂𝙧𝙖𝙘𝙚 𝙋𝙚𝙧𝙞𝙤𝙙 (𝙒𝙞𝙩𝙝𝙤𝙪𝙩 𝙄𝙣𝙩𝙚𝙧𝙚𝙨𝙩)
Bibigyan ng palugit ang buyer para makahabol sa bayad:

• Less than 2 years na nakabayad
→ 60 days grace period mula sa due date

• At least 2 years na nakabayad
→ 1 month grace period kada isang taon ng bayad

✔ Walang dagdag na interes sa loob ng grace period

💰𝙆𝙖𝙧𝙖𝙥𝙖𝙩𝙖𝙣 𝙨𝙖 𝙍𝙚𝙛𝙪𝙣𝙙 (𝘾𝙖𝙨𝙝 𝙎𝙪𝙧𝙧𝙚𝙣𝙙𝙚𝙧 𝙑𝙖𝙡𝙪𝙚)
Kung ang buyer ay nakapagbayad na ng at least 2 years:
• May karapatan sa 50% refund ng lahat ng nabayad
• Dagdag na 5% bawat taon pagkatapos ng 5 years (hanggang 90% maximum)

👉 Ito ang tinatawag na cash surrender value

🚫 𝙈𝙜𝙖 𝙆𝙞𝙣𝙖𝙠𝙖𝙞𝙡𝙖𝙣𝙜𝙖𝙣 𝘽𝙖𝙜𝙤 𝙆𝙖𝙣𝙨𝙚𝙡𝙖𝙝𝙞𝙣 𝙖𝙣𝙜 𝙆𝙤𝙣𝙩𝙧𝙖𝙩𝙖:

Hindi automatic ang cancellation. Dapat ang seller ay:
• Magpadala ng notarized notice of cancellation o demand for rescission
• Bigyan ang buyer ng 30 araw mula sa pagtanggap para magbayad
• Ibalik ang nararapat na refund bago maging epektibo ang cancellation

🏡 𝙍𝙞𝙜𝙝𝙩 𝙩𝙤 𝙍𝙚𝙞𝙣𝙨𝙩𝙖𝙩𝙚
May pagkakataon pa ang buyer na:
• Bayaran ang mga hindi nabayarang hulog sa loob ng grace period
• Ibalik ang bisa ng kontrata at ipagpatuloy ang pagmamay-ari

🔁 𝙆𝙖𝙧𝙖𝙥𝙖𝙩𝙖𝙣 𝙣𝙖 𝙄-𝙖𝙨𝙨𝙞𝙜𝙣 𝙤 𝙄-𝙗𝙚𝙣𝙩𝙖 𝙖𝙣𝙜 𝙆𝙖𝙧𝙖𝙥𝙖𝙩𝙖𝙣

Ang buyer ay puwedeng:
• Ibenta o i-assign ang kanyang rights sa ibang tao
• O i-update ang kontrata kung pinapayagan

📝 𝙋𝙧𝙤𝙩𝙚𝙠𝙨𝙮𝙤𝙣 𝙇𝙖𝙗𝙖𝙣 𝙨𝙖 𝘽𝙞𝙜𝙡𝙖𝙖𝙣𝙜 𝙋𝙖𝙜-𝙛𝙤𝙧𝙛𝙚𝙞𝙩
Hindi maaaring basta na lang:
• Kanselahin ang kontrata agad-agad
• Kunin lahat ng bayad nang walang due process

✔ Layunin ng batas na siguraduhin ang katarungan at proteksyon ng buyers

08/11/2025

🏠💡 Did you know?

Even if your house gets damaged or destroyed by a typhoon, earthquake, or flood…
👉 You STILL owe the bank or Pag-IBIG.
Yes — even if your home is gone, your housing loan doesn’t disappear.

You borrowed money, and that loan remains your responsibility until it’s fully paid.

That’s why when you buy a house through Bank Financing or Pag-IBIG, having the right insurance coverage is a must!

Here’s what every homeowner should understand 👇

🏦 1️⃣ MRI (Mortgage Redemption Insurance)
This protects your family if something happens to you (the borrower).

If you pass away before the loan is paid off, the MRI settles the remaining balance — so your loved ones won’t inherit the debt or risk losing the home. 🙏

🌪️ 2️⃣ Fire and Acts of Nature (AON) Coverage
This protects your property itself — in case it’s damaged or destroyed by fire, earthquake, flood, or typhoon.

Without this, the bank or Pag-IBIG will still collect loan payments even if your house is unlivable. 😢

📋 Here’s how it works:
✅ You file a claim for the damage.
✅ The insurance company pays the bank or Pag-IBIG directly (since your property is the collateral).
✅ If the claim amount covers your remaining loan — good news, your loan is settled!
✅ But if it’s less, you’ll have to pay the difference.

💡 Real talk:
Insurance pays for the damage, but your loan stays until the lender is fully paid.
MRI protects your family, and AON protects your home. Both are essential for your peace of mind and financial security. ❤️

✨ Tip:
Whether your home is under Bank or Pag-IBIG financing, review your insurance today.
Make sure you’re protected with MRI + Acts of Nature coverage.

Photo credits to the owner.

13/10/2025

🏡 Who Is Liable for Property Damage Caused by Natural Disasters — Buyer or Developer?

In the Philippines, earthquakes, typhoons, and floods are natural occurrences that can cause serious property damage. One of the most common question from real estate buyers — especially those purchasing preselling or newly built homes — is:

“If the house or condo is damaged by a natural disaster, who is responsible for the repair — the buyer or the developer?”

💡 The General Rule

The liability depends on when the damage happens — before or after turnover.

Before Turnover:
The developer or seller bears responsibility for any loss or damage to the unit. The buyer has not yet taken ownership or control, so all risks remain with the developer.

After Turnover or Acceptance:
Once the buyer has formally accepted the property (through turnover documents or occupancy), the buyer becomes responsible for any future damages — including those caused by natural disasters or accidents.
It’s at this stage that buyers should consider obtaining fire and earthquake insurance coverage to protect their investment.

🏗 Why This Matters

Many buyers overlook the “Risk of Loss” clause in their Contract to Sell or Deed of Absolute Sale, which defines who bears the risk at various stages.
Understanding this clause ensures you know your rights and responsibilities when unforeseen events happen — like the earthquake that recently shook parts of Cebu or other calamities.

🧾 Pro Tip:

Before signing your contract, please check:

The turnover date and documentation

If the developer has an insurance policy during construction

Whether your financing institution (bank or Pag-IBIG) requires homeowner’s insurance.

⚠️ Disclaimer:
This article is for information purposes only and should not be construed as legal advice. Readers are encouraged to consult qualified professionals or legal counsel for specific concerns. Availability, terms and policies may vary per developer or property.

CCTO

゚

02/10/2024

An Exciting ToursDay Reminder‼️

Mga Boss, Utang napod ta ug Balay, Yuta or Condo. Ayaw na usa nang iphone, auto ug uban pang kapritso nga walay klaro.

Diri nata sa maka pa swerti sa future ninyo‼️
Kanang motubo ang value ug presyo ug maka ayo ninyo.

Ayaw na pag duha-duha mga Boss, sangpit na kay andam ra gyud mi mo abag dili sa pag bayad sa utang ninyo kundili sa pag abag asikaso ug atiman sa inyong gusto nga maka utang ug balay or condo para nimo.🙋🤩

24/07/2024

Construction of Cebu's 4th Bridge is expected to begin in 2025.

This bridge will connect mainland Cebu to Mactan Island, running from Barangay Ibo in Lapu-Lapu City to Barangay Paknaan in Mandaue City, with a total span of 3.34 kilometers.

The project also includes a coastal road on the Mandaue City side, extending from Barangay Looc to Liloan, which will link to the 4th Bridge.

Credit to the rightful owner.

10/03/2024

A day of Positiveness is a day of Winning the chance of a Lifetime😍😍😍

A Blessed Sunday Everyone‼️

28/02/2024

The actor shared that they rented out their house at Forbes Park for ten years which paid the mortgage of the house.

"Sabi ko hindi naman natin kailangan tirahan 'yan eh. Ang bahay nandiyan na, let's have it rented out tapos 'yung renta na 'yun, iyon ang pambayad natin sa bangko, sa mortgage. So 'yun ang nangyari. Ten years may umuupa ng bahay na 'yun. So 10 years nabayaran 'yung bahay so dun pa rin kami sa Greenhills nakatira," he said.

That's what you call Self Liquidating Property,
Rent it out even if it's not yet Fully paid.
Invest a Property Now‼️
Let me help you to choose a budget Friendly Property that suits your needs.
Less Downpayment and monthly Equity. Best Location. Hassle free requirements.

PM me for more details. Let's talk and allow Us to work it out for you🙋

18/12/2023

Rumors spread out too fast‼️This will be a prime area in the next 3-5 years, no doubt.

Who's excited about the SM SEASIDE ARENA?

The SM Seaside Arena Project just across SM Seaside City Cebu is already shaping up and rising fast!

✅Pwede na mag FIBA World Cup sa Cebu 🥺
✅ Rumored SB19 concert

So if You are an investor , Cebu City is perfect for your 👌

Feel free to message me anytime..
Your Trusted Real Estate Property Service Provider🙋

06/12/2023

𝟲 𝗧𝗔𝗫𝗘𝗦 𝗬𝗢𝗨 𝗡𝗘𝗘𝗗 𝗧𝗢 𝗖𝗢𝗡𝗦𝗜𝗗𝗘𝗥 𝗪𝗛𝗘𝗡 𝗕𝗨𝗬𝗜𝗡𝗚 𝗟𝗔𝗡𝗗

You need to acquaint yourself of these taxes when you purchase a piece of land. This should be part of your budget.

1️⃣ 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗚𝗮𝗶𝗻𝘀 𝗧𝗮𝘅 - You pay this when you sell something at a price higher than you spent to buy it. In other words, it is a tax levied on the earnings gained from selling capital assets.
2️⃣ 𝗥𝗲𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗮𝘅 - that is paid annually for owning real property such as land, building, improvements, and machinery. The Local Government Unit imposes this tax as a means of raising their revenue to fund basic public services they provide.
3️⃣ 𝗗𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗦𝘁𝗮𝗺𝗽𝘀 𝗧𝗮𝘅 - It is a tax charged on documents, instruments, any loan agreements, and papers evidencing the acceptance, assignment, sale, or transfer of an obligation, right, or property.
4️⃣ 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝗧𝗮𝘅 - is imposed whenever there is a transfer of ownership of the real property through sale, donation, or any other mode. The rate ranges from 0.5% to 0.75% of the zonal value or selling price of the property, whichever is higher depending on the municipality where the land is located.
5️⃣ 𝗗𝗼𝗻𝗼𝗿’𝘀 𝗧𝗮𝘅 - is imposed on the free transfer of property between two or more persons by donation or gift provided they are still alive at the time of the transfer.
6️⃣ 𝗘𝘀𝘁𝗮𝘁𝗲 𝗧𝗮𝘅 𝗼𝗿 𝗜𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗧𝗮𝘅 - is imposed on the privilege of transferring property upon the death of the owner of the land to the lawful heirs. You need to file and pay the Estate Tax before the ownership of any real property can be transferred from the decedent to his/her heirs.

Vitale Suites Condominium

28/05/2026

27/04/2026

08/11/2025

13/10/2025

02/10/2024

24/07/2024

10/03/2024

28/02/2024

18/12/2023

06/12/2023

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