Cebu Homes Partners - Ervin & Irene Albarina

18/04/2026

The Maceda Law (officially Republic Act No. 6552) is a Philippine law that protects buyers of real estate on installment payments—like house-and-lot or condo buyers.

Simple meaning:

It’s a law that gives rights and protection to buyers who can’t continue paying their property installments.

⸻

Key points you should know:

1. Protection for installment buyers
If you’re buying property through monthly payments, this law protects you from losing everything if you miss payments.

2. Refund (Cash Surrender Value)

* If you’ve paid at least 2 years, you are entitled to a refund if the contract is canceled.
* Usually 50% of total payments, plus additional % for longer payments.

3. Grace period

* You get extra time to pay missed installments without penalty.

4. Notice before cancellation

* The seller cannot cancel immediately.
* They must give a formal notice and wait before canceling.

⸻

In short:

👉 Maceda Law = Buyer protection for real estate installment payments.

“Please follow my page to stay updated for more real estate tips 👌”

13/04/2026

𝗙𝗢𝗥 𝗦𝗔𝗟𝗘 𝗙𝗨𝗟𝗟𝗬 𝗙𝗨𝗥𝗡𝗜𝗦𝗛𝗘𝗗 𝗦𝗜𝗡𝗚𝗟𝗘 𝗗𝗘𝗧𝗔𝗖𝗛𝗘𝗗 𝗛𝗢𝗨𝗦𝗘 𝗔𝗡𝗗 𝗟𝗢𝗧 𝗜𝗡 𝗦𝗢𝗨𝗧𝗛 𝗩𝗘𝗥𝗗𝗔𝗡𝗔 𝗧𝗜𝗦𝗔 𝗖𝗘𝗕𝗨 𝗖𝗜𝗧𝗬!

MAC ATN: 2003

📍South Verdana 1 Tisa Cebu City

✅ 𝗨𝗻𝗶𝘁 𝗙𝗲𝗮𝘁𝘂𝗿𝗲𝘀:
▪️Single Detached End Unit
▪️Fully Furnished
▪️Lot area: 97sqm
▪️Floor area: 126sqm
▪️3 Bedrooms | 2 Toilet and Bath | 2-3cars can park
▪️with Dirty kitchen (original layout is another bedroom)
▪️with Patio
▪️with Cabinets all bedrooms
▪️Customized bigger kitchen cabinets
▪️Remodelled Unit
▪️Flood Free area

✅ 𝗔𝗰𝗰𝗲𝘀𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝘆:
▪️ Location is accessible to all malls, establishments and along the road

✅ 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗗𝗲𝘁𝗮𝗶𝗹𝘀:
▪️ Selling Price: 13.5M
▪️ Preferably Cash payment options
▪️ Also available for Bank Financing with 60% DP
▪️ Seller pays the Capital Gain tax
▪️ Buyer pays all taxes, transfer fees and other fees except for CGT

𝗕𝗼𝗼𝗸 𝗮 𝘀𝗶𝘁𝗲 𝘁𝗼𝘂𝗿 𝗡𝗼𝘄!
Ervin & Irene Albarina
09430043867

12/04/2026

TUSCANIA GARDEN
Guadalupe, Cebu City

PRICE REDUCED!

From ₱14.9M ➡️ NOW ONLY ₱13.5M!

(Owner marked down for serious buyers!)

Lot Area: 120 sqm

Floor Area: 150 sqm

Ground Floor:

2-Car Garage

Spacious Living Area

Dining Area

Guest Room / TV Room

Powder Room

Main Kitchen

Dirty Kitchen

Maid’s Quarter with T&B

Lanai

Private Garden

Second Floor:

Master Bedroom with T&B & Balcony

2 Additional Bedrooms

Common Toilet & Bath

Inclusions:

3 Tonner Standing Aircon

1.5 HP Split-Type Aircon (Master’s Bedroom)

Interested? lets talk!

04/04/2026

📣EARLY MOVE-IN PROMO‼️

🏢BRENTWOOD🏢

As low as 5K per month for Studio
As low as 11K per month for 1BR

📌 30k Reservation Fee

Buyer's Promo:
RFO Units but stretched equity period up to 36 months
Early Move-in benefit after 3 mos equity + move-in fee

Available Units:
Studio A & B- 14 to 20 SQM.
1BR - 26 to 34 SQM
2BR - 53 to 59 SQM

Interested? Let's talk!

29/03/2026

THE BEST TIME TO INVEST IS NOW!

LET’S TALK!

“Ngano nag subdivision man mo instead of magtukod ug own house, mas dako ug nindot?”

Daghan kaayo mi kadungog ani.

And honestly…

dili gyud siya sayon nga decision.

At first, nag-rent pud mi.
Pero naka-realize mi:

“Sige ka’g bayad… pero dili gihapon imo.”

Then karon?

Mahal na kaayo ang renta.
Gamaya pa gyud ug space.
Limitado pa kaayo.

Naa pud mi dream before:

“Magtukod mi ug own house from scratch.”

Nice kaayo paminawon…

pero reality check lang ta,

Savings will take long,

Kay tinuod lang we need to pay for :
land + construction + time + stability…

dako kaayo’g kinahanglan.

So instead nga magdali-dali…

nangutana mi sa among self:

“Unsa man gyud ang sakto for us, karon nga stage sa among life?”

That’s when we chose subdivision living.

Dili perfect…
pero practical. realistic. and peaceful.

Our nature sa work kay sa city which is currently closer mi sa city.

Accessible tanan.
Safe ug comfortable.
Maka-focus mi sa work ug life.

And yes…
naa gihapon mi ginabayran.

But this time…

lahi ra gyud ang feeling.

Because it’s no longer just an expense…

Investment na siya.

Every month nga mubayad mi…

naa nay padulngan.

Dili parehas sauna nga rent lang…

karon, kahibaw mi nga padulong ni sa:

among own balay
among own space
among future

And one day…

makasulti ra gyud mi:

“Amo na gyud ni.” 🤍

So to anyone nga nag-decide pa:

Dili kinahanglan perfect imong choice.

Sometimes, the best decision is not the most impressive one…

but the one that gives you peace.

Because adulting is not about rushing big dreams…

it’s about building something real, step by step.

And no matter where you start,
rent, loan, or build…

as long as padulong ka sa imong own someday…

worth it ra gyud na tanan. 💯

P.S.
We didn’t rush the dream house…
we chose what we can sustain first.

Built, not rushed. 🤍

25/03/2026

PROMO ALERT ❗️SHOUT OUT 🔇

Ready for Occupancy units plus Free Parking
Almond Drive Condo Talisay ❗️

ideal for AIRBNB Business

Reserve the unit for only 20K

Just pay the 3 months monthly equity plus move in fee and that’s it pwede nka mupuyo 😊

For as low as 7,300 Monthly

Duol kaayo sa SRP

Duol SM Seaside

Flood Free

❌ No need Bank Approval

❌ No need proof of income

✅ 1 to 2 valid Ids lng plus reservation fee makakuha nka ug unit

LIMITED SLOT ONLY!

20/03/2026

STOP SCROLLING ❗

This is where most property buyers get it WRONG…

They keep asking:
“Should I choose PRE-SELLING or RFO?”

But no one explains it like this 👇

💡 PRE-SELLING = “Start small, earn BIG later”
- Lower price today
- Flexible monthly payments
- Value increases over time

👉 Perfect if you’re thinking LONG-TERM wealth

BUT here’s the catch…
⏳ You need to WAIT (months or years before turnover)

—

🏢 RFO (Ready For Occupancy) = “Move in TODAY, earn TOMORROW”
- Ready to live or rent out immediately
- No waiting, no guessing
- Faster return if you plan to rent

👉 Perfect if you want INCOME right away

BUT…
💸 Higher price + bigger upfront cost

—

⚠️ REAL TALK:
There is NO “better” option.

Only what’s better for YOU.

✔ Want lower entry + future gains? → PRE-SELLING
✔ Want instant use + cash flow? → RFO

—

Still confused which one fits your budget and goals?

Send me a message with the word “HOME” 📩
I’ll help you choose the RIGHT property (no pressure, just real talk)

16/03/2026

🔥 𝑹𝑬𝑵𝑻 𝑻𝑶 𝑶𝑾𝑵🔥

🌿𝐀𝐋𝐌𝐎𝐍𝐃 𝐃𝐑𝐈𝐕𝐄 𝐓𝐀𝐋𝐈𝐒𝐀𝐘

𝒀𝑶𝑼𝑹 𝑯𝑶𝑴𝑬 𝑵𝑬𝑨𝑹𝑬𝑺𝑻 𝑻𝑶 𝑬𝑽𝑬𝑹𝒀𝑻𝑯𝑰𝑵𝑮

𝐅𝐑𝐄𝐄 𝐏𝐀𝐑𝐊𝐈𝐍𝐆
🛵🚗🚙🏍️
𝐑𝐄𝐀𝐃𝐘 𝐅𝐎𝐑 𝐎𝐂𝐂𝐔𝐏𝐀𝐍𝐂𝐘

𝐌𝐎𝐕𝐄 𝐈𝐍 𝐢𝐧 𝐉𝐮𝐬𝐭 𝟑 𝐌𝐨𝐧𝐭𝐡𝐬

𝐒𝐭𝐚𝐫𝐭𝐬 𝐚𝐭 𝟕𝐊 𝐩𝐞𝐫 𝐦𝐨𝐧𝐭𝐡

LIVING NEAREST TO EVERYTHING

BEACH
CHURCH
SCHOOLS
HOSPITALS
MARKETS
FRESH CATCH FISHES
SRP
MALLS
NUSTAR
CCLEX..8 MIN. DRIVE TO MACTAN ISLAND
NEAREST TO THE AIRPORT
NEAREST TO THE PORT

𝐅ᴏʀ ᴍᴏʀᴇ 𝐈ɴғᴏ | 𝐒ɪᴛᴇ 𝐕ɪ𝐬ɪᴛ | 𝐑ᴇ𝐬ᴇʀᴠᴀᴛɪᴏɴ | 𝐂ᴏᴍᴘᴜᴛᴀᴛɪᴏɴ | 𝐅ʀᴇᴇ 𝐏ʀᴏᴄᴇ𝐬𝐬ɪɴɢ 𝐀𝐬𝐬ɪ𝐬ᴛᴀɴᴄᴇ.

✅𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐑𝐞𝐚𝐥 𝐄𝐬𝐭𝐚𝐭𝐞 𝐏𝐫𝐚𝐜𝐭𝐢𝐭𝐢𝐨𝐧𝐞𝐫 𝐒𝐢𝐧𝐜𝐞 𝟐𝟎𝟏𝟖
👨‍💻𝐄𝐫𝐯𝐢𝐧 𝐀𝐥𝐛𝐚𝐫𝐢𝐧𝐚 & 𝐈𝐫𝐞𝐧𝐞 𝐀𝐥𝐛𝐚𝐫𝐢𝐧𝐚
📲+𝟔𝟑𝟗𝟒𝟑𝟎𝟎𝟒𝟑𝟖𝟔𝟕 / +𝟔𝟑𝟗𝟗𝟓𝟑𝟎𝟒𝟖𝟗𝟏𝟎
📧 𝐚𝐥𝐛𝐚𝐫𝐢𝐧𝐚.𝐞𝐫𝐯𝐢𝐧@𝐠𝐦𝐚𝐢𝐥.𝐜𝐨𝐦

📋 𝐏𝐑𝐂 𝐀𝐜𝐜𝐫𝐞𝐝𝐢𝐭𝐚𝐭𝐢𝐨𝐧 𝐧𝐨. 𝟏𝟖𝟎𝟗𝟒
💳𝐃𝐇𝐒𝐔𝐃 𝐂𝐑 𝐍𝐨.𝐑𝟕-𝐀-𝟎𝟑/𝟐𝟏-𝟔𝟐𝟑𝟒
#𝐌𝐚𝐜𝐑𝐞𝐚𝐥𝐭𝐲𝐚𝐧𝐝𝐁𝐫𝐨𝐤𝐞𝐫𝐚𝐠𝐞

14/03/2026

Bakit Karamihan ng OFW Bumibili ng Lupa? 🌍🏡

Napansin mo ba?
Kapag may OFW na umuuwi galing abroad, madalas ang unang investment nila… lupa.

Hindi kotse.
Hindi gadgets.
Lupa.

Pero bakit?

1️⃣ Security para sa pamilya
Alam ng maraming OFW na hindi habang buhay ang trabaho sa abroad.
Ang lupa ay isang bagay na mananatili kahit umuwi na sila sa Pilipinas.

2️⃣ Tumataas ang value ng lupa
Habang tumatagal, kadalasan tumataas ang presyo ng lupa lalo na kapag maganda ang location.

3️⃣ Hindi madaling mawala
Ang negosyo pwedeng malugi.
Ang kotse bumababa ang value.
Pero ang lupa… hindi nadadagdagan.

4️⃣ Legacy para sa mga anak
Maraming OFW ang nagsasabi:
“Kung hindi man ako yumaman, gusto ko may maipamana man lang akong lupa sa mga anak ko.”

5️⃣ Protection sa pinaghirapan nila
Ang perang pinaghirapan sa ibang bansa gusto nilang ilagay sa investment na matibay at pangmatagalan.

💡 Kaya nga may kasabihan sa real estate:

> Ang lupa hindi binibili dahil may sobra kang pera.
> Binibili ito dahil ayaw mong mawala ang pinaghirapan mo.

Sa huli, ang lupa ay hindi lang investment…
**seguridad ito para sa future ng pamilya**

14/03/2026

Why Smart Investors Buy Land First 🌱🏡

Maraming paraan para mag-invest.
Pero kung mapapansin mo, karamihan sa mga mayayamang pamilya ay may hawak na lupa.

Bakit? Dahil ang lupa ay isa sa pinaka-stable na asset sa real estate.

Narito kung bakit:

⸻

1️⃣ Hindi Nauubos ang Demand

Habang dumarami ang tao, dumarami rin ang nangangailangan ng tirahan, negosyo, at development.

Pero ang lupa?
Pareho lang ang dami nito.

Kaya sa paglipas ng panahon, tumataas ang value dahil sa demand.

⸻

2️⃣ Hindi Ito Naluluma

Ang bahay pwedeng masira.
Ang condo pwedeng maluma.

Pero ang lupa, hindi naluluma.

Sa katunayan, may mga lupang binili noon na halos wala pang halaga,
ngayon milyon na ang presyo dahil sa development ng paligid.

⸻

3️⃣ Simple ang Ownership

Sa lupa:

✔ Walang tenant problems
✔ Walang major repairs
✔ Walang monthly association dues

Kadalasan Real Property Tax lang ang regular na gastos.

⸻

4️⃣ Maraming Pwedeng Gawin

Ang lupa ay parang blank canvas sa investment.

Pwede mo itong:

✔ Patayuan ng bahay
✔ I-subdivide
✔ I-develop into apartments
✔ I-hold lang hanggang tumaas ang value

⸻

5️⃣ Long-Term Wealth Asset

Maraming investors ang bumibili ng lupa hindi para ibenta agad.

Binibili nila ito para:

• sa future ng pamilya
• sa retirement
• sa legacy

Dahil ang lupa ay asset na pwedeng ipamana sa susunod na henerasyon.

⸻

💡 Real Estate Truth

“Ang bahay pwedeng gawin kahit saan.
Pero ang magandang lupa… minsan lang dumaan sa market.”

Kaya sinasabi ng maraming investors:

“If you can’t buy land today, start saving for it.” 🌱🏡