GRM Property Management

23/05/2024

⬇️⬇️ See the difference ⬇️⬇️

07/05/2024

07/05/2024

Common Questions regarding PAG-IBIG Housing Loan:

1. Naa ko'y Pag-ibig sauna pero wala nako napadayon. Pwede ko makakuha ug balay?

YES, pwede kaayo! Ato lang ipadayon ang imong contribution. Dapat muabot ug 24 months imong contribution aron qualified ka to apply for a housing loan nga affordable.

2. Dili pako member sa Pag-ibig, unsaon pagpamember? Makakuha na dayon ko'g balay?

YES, pwede kaayo! 2 ka pamaage makapemember ka:
1. Magsugo ka sa imong pamilya o paryente.
2. Go to https://www.pagibigfundservices.com/pubreg/starter_page.aspx
Para makaapply dayon ka ug housing loan, bayare ang 24months nga required number of contributions, ug dapat magbayad na ka ana ug monthly or pwedi pud lumpsum payment with minimum contribution of 200 per month (P4800.00)pwedi na kaloan!

3. Dawbe, wala man ko diha sa Pinas, pero gusto nako makakuha ug balay, unsaon man na?

YES, pwede kaayo! Mag-assign lang ka ug membro sa imong pamilya, o paryente, nga mao'y imong masaligan pagpadala ug kuarta ug pag follow up sa imong mga required documents. Siya imong himoon sa gitawag nga "Attorney-In-Fact". Mag-fill-up lang ta ug papel nga ipprovide sa imong house agent/Broker nga mao ang "SPA" or Special Power of Attorney. Kana nga documento magpamatood nga legal nimong gisaligan ang imong "Attoney-in-Fact" nga mao'y morepresentar nimo sa pagkuha sa balay in your behalf. E-mail na sa imoha ang SPA, ipaprint diha sa kung asa ka nga lugar, fill-up-pan, ug panotaryohan or ipa-Red Ribbon sa consul sa embassy sa Pilipinas diha sa kung asa ka nahimotang nga lugar.

Note: Pwede ra na nimo buhaton ang pagpa-Red Ribbon inig human na nimo ug PARESERVE sa balay nga imong gusto kay basin: 1: Mahutdan ka sa balay ug limited usahay ang mga promo UG 2. Ang SPA Format sa Developer pinasahe kay sa kanang gipahimo lang. So pili na sa balay nga swak sa imong budget.

4. Dugay nako member sa Pag-ibig, pero wala ko kahibalo kung pila na akong contribution. Unsaon?

Yes, Pwede kaayo! Magsugo lang ta pagpakuha sa MSVS or Members Status Verification Slip.
Or go to https://www.pagibigfundservices.com para macheck nimo imong contribution.

5. Nakakuha nakog balay sauna and nagkamulo pakog bayad karon, pwede ko makakuha ug isa pa para investment, akong parentahan pohon?

YES. Pwede kaayo! Kung kaya pa sa imong income.
Tip: 1 socialized/lowcost house dapat naa kay 10k (conservative requirement) nga sweldo kada bulan. Kung mokuha kag duha, dapat naa sa 17-20k ang imong sweldo. Kung gusto paka'g more, edi wow! Basta kaya sa bulsa.

03/05/2024

‼️Rush For Assume Preselling ‼️
📍One Oasis Condominium Bldg 8 - Brgy Kasambagan

📎 2 Bedroom
📎 Unit Size: 31.73
📎 Balcony Size: 3.32
📎10th floor
📎Turn Over : Year 2025

Assume Price: Only 600,000 negotiable

Since Feb 2023 pagpalit, and just April 2024 dako na kaau gi increase sa price. The price is getting higher and higher. Much more pag turn over na momahal pa jud samot, dili ka ma alkase if imoha e assume for ₱600,000 only

📌Just PM for more info

‼️Welcome Agents‼️Big Commission

03/05/2024

A rent-to-own scheme is a housing arrangement where a tenant has the option to purchase the property they are renting after a certain period of time, typically several years.

Here's how it typically works:

1. **Agreement**: The tenant and the landlord agree to a rental contract that includes a provision allowing the tenant the option to buy the property at a later date.

2. **Rent Payments**: The tenant pays rent to the landlord as usual, but part of the rent may be designated as a "rent credit" which can be applied toward the purchase price if the tenant decides to buy.

3. **Option Period**: The rental agreement includes a specified period during which the tenant can exercise their option to buy the property. This could be anywhere from one to five years or longer, depending on the terms of the agreement.

4. **Purchase Price**: The purchase price is typically determined upfront or based on the fair market value of the property at the time the option is exercised. Sometimes, the purchase price is agreed upon in advance, but in other cases, it may be determined by an appraisal at the time of purchase.

5. **Decision Time**: At the end of the option period, the tenant can decide whether or not to buy the property. If they choose to buy, they typically need to secure financing through a mortgage or other means to complete the purchase.

Rent-to-own schemes can be advantageous for tenants who may not have sufficient savings for a down payment or who may have difficulty qualifying for a mortgage initially. However, it's essential for tenants to fully understand the terms of the agreement, including the purchase price, rent credits, and any other conditions that may apply.

*Ccto

22/04/2024

https://www.facebook.com/share/r/emSAJAPzqFx5b8af/?mibextid=zWBbVw

12/03/2024

🔆Additional Knowledge for our investors and clients..🔆

Buying a home is a significant investment, and choosing the right financing option is crucial. In the Philippines, there are three primary financing options: bank financing, Pag-IBIG financing, and in-house financing. Here are the differences among them:

❇️Bank Financing

Bank financing is a housing loan or home loan provided by banks or financial institutions to borrowers for the purchase of a property. The loan amount, interest rate, and repayment terms depend on the borrower's creditworthiness and the bank's policies. Bank financing has slightly lower interest rates compared to in-house financing, and the repayment terms can range from 5 to 30 years. However, the application process can be lengthy, and the requirements can be strict.

❇️Pag-IBIG Financing

Pag-IBIG financing is a government-backed housing loan program offered by the Home Development Mutual Fund (HDMF) or Pag-IBIG Fund. It is designed to help Filipinos acquire affordable homes. The loan amount, interest rate, and repayment terms depend on the borrower's monthly income and the property's value. Pag-IBIG financing has lower interest rates compared to bank financing, and the repayment terms can range from 5 to 30 years. However, the application process can be complicated, and the requirements can be strict.

❇️In-House Financing

In-house financing is a loan provided directly by the property developer or subdivision. It is easier and faster to process than bank financing or Pag-IBIG financing. The loan amount, interest rate, and repayment terms depend on the developer's policies. In-house financing has higher interest rates compared to bank financing and Pag-IBIG financing, and the repayment terms can range from 5 to 10 years. However, it is a good option for those who have been rejected for a bank's home loan application or Pag-IBIG financing.

✳️In summary, the best financing option depends on your financial situation and needs. Bank financing is ideal for those who have a good credit score and can provide the necessary requirements. Pag-IBIG financing is suitable for those who have a low to moderate income and want to acquire an affordable home. In-house financing is a good option for those who prefer to transact directly with the property developer or have been rejected for a bank's home loan application or Pag-IBIG financing.

28/02/2024

‼️FOR RENT ‼️BIG HOUSE WITH POOL ‼️

⚜️ 8 spacious rooms
⚜️with pool
⚜️unfurnished
⚜️ gated
⚜️ inside village

100,000/month only

✅ Pwde for Airbnb, Staff house or just let us know your proposal.

📍Mandaue City



Code:Oli-802

28/02/2024

GREAT DEAL❗️ LOWER THAN MARKET VALUE❗️
STUDIO UNIT WITH PARKING
PRICE: 4,500,000 ONLY❗️

📍Avida Riala, tower 3, Cebu IT Park

Unit details:
23sqm
with parking
semi-furnished
6th floor

Code: P.E801

20/01/2024

Viva Senyor Santo Niño, Pit Senyor!!! Wishing you all a happy, peaceful, meaningful Sinulog and bountiful blessings to all. Pit Senyor… 🎊🎉❤️

24/12/2023

Sending prayers and hearty Christmas greetings to you. May you receive the most special of God's blessings during this amazing Christmas season! 🎄🎉🍾