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CASA MIRA DANAO

Name: CASA MIRA DANAO
Address: Danao City, 6004, PH
Telephone: +639338194992

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CASA MIRA DANAO

A home is every Filipino’s dream and we aim to give you MORE. More Space. More Amenities. More Value. We bring this to life through CASA MIRA HOMES DANAO.

A MIRA-CLE to the Filipino Family, A HOME you best deserve.

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

21/07/2025

Why invest now?

📍 The price you pay for your properties now have a big possibility to multiply in the future! It's a great investment opportunity you should grab 👍👍👍

Me and my Team can help and assist you with your investment plan. Contact Us Now‼️

゚゚゚

18/07/2025

Trending Topic Ngayon!
Panukalang Batas -20pct tax on Savings Account Deposit. An endless argument whether you GAIN or LOSS.

₱50,000 GONE 😱— wala ka pang ginagawa, nabawasan ka na!

Don't let taxes eat your earnings.
💡 Be smarter. Invest in real estate.

🏘 Tangible. Appreciating. Income-generating.

📈 Habang tumatagal, lalong lumalaki ang value!

Real estate investment can bring several benefits to an investor, an attractive investment option for those looking to build wealth and generate passive income.

To succeed in real estate investing, it's essential to:

📌 *Educate yourself*: Learn about the real estate market, investment strategies, and local laws and regulations.
📌 *Set clear goals*: Define your investment goals, risk tolerance, and exit strategy.
📌*Build a team*: Work with experienced professionals, such as real estate brokers, attorneys, and contractors.
📌*Conduct thorough research*: Analyze market trends, property values, and potential returns on investment.
📌*Diversify your portfolio*: Spread your investments across different property types, locations, and strategies.

However, the best real estate investment portfolio depends on your financial goals, risk tolerance and investment horizon.

Rather than putting all your hard earned money in the Bank to save, with the current imposed law of 20% tax on all savings accounts, regardless of whether you are a middle-income earner or someone slightly above the poverty line, no one escaped. It is indeed a SMART MOVE to INVEST IN REAL ESTATE NOW❣️

Ultimately, a well-diversified real estate portfolio can help you achieve your financial goals and navigate the dynamic real estate market, generate passive income and build your wealth with a sense of security and control over your investments.

🔑 Real estate is not just safe—it's smart. Be WISE. Don’t just save. INVEST❣️

LET'S TALK! PM US NOW❣️

゚゚

15/07/2025

When you Deposit your money to the bank, you are not a customer, you are a supplier of CASH.

Kumita ang bank ng 7%-10%, may balato ka na 0.5% to 1% , less taxes pa.

That is why, it is wise to be an INVESTOR than a DEPOSITOR.

If may excess cash ka monthly, better to invest than deposit. Para mas malaki ang tubo ng pera mo.

Sa REAL ESTATE investments, your money will earn revenues at an average of 10% per annum.

Be smart, Invest on Real Estate.

12/06/2025

🏠 DEED OF SALE, CONDITIONAL SALE, OR CONTRACT TO SELL? Know the Difference!

When buying or selling property, the kind of document you use matters. Here’s a quick guide to help you understand which document fits your transaction best:

🔹 DEED OF ABSOLUTE SALE
This is used when the sale is final and full payment has been made. Ownership is transferred to the buyer right away.
✅ Best for: Cash sales or when full payment has already been settled.

🔹 DEED OF CONDITIONAL SALE
This is used when ownership is transferred immediately, but with certain conditions (e.g., balance payment in installments). If the buyer fails to meet the condition, the seller may rescind the contract.
✅ Best for: Sales where the seller allows the buyer to take ownership early, subject to conditions.

🔹 CONTRACT TO SELL
Here, the seller retains ownership until the buyer completes payment or meets agreed conditions. No ownership transfer until obligations are fulfilled.
✅ Best for: Installment payments or financing—protects the seller until full payment is made.

⚖️ REMEMBER:
Choosing the right document helps protect both buyer and seller. Don’t sign anything without understanding its legal effect.

Credit to the Owner

11/06/2025

Malaya tayong mangarap, magpahayag, at magmahal sa bayan. Ipagdiwang natin ang Araw ng Kalayaan — para sa kasaysayan, para sa kinabukasan. 🇵🇭

24/12/2024

Season’s greetings from CASA MIRA DANAO! 🎄 Wishing you all a Merry Christmas filled with warmth and happiness. As we wrap up this year, we’re grateful for the support and trust you've shown. Here’s to more beautiful homes, new beginnings, and a successful year ahead! 💝

03/01/2024

CASA MIRA DANAO is currently SOLD OUT

We will inform you if there's any availability in the project.

11/09/2023

Looking for a condo unit in Labangon area? We have Casa Mira Towers LABANGON!

>>>STUDIO UNIT TYPE- 20 SQM

05/09/2023

CASA MIRA is YOUR GO-TO investment/ house with its affordable cost and good amenities! Very affordable and known in Cebu!

Ayaw na pagduha duha, pagdali na kay basin mahutdan ka~~

For more information and reservation:

PM PAGE or reach out to:

Crescelda E. Siase
Real Estate Broker
PRC License # 0016028
DHSUD # 00379
Contact #: 09338194992
Email: [email protected]

28/08/2023

Maligayang Araw ng mga Pambansang Bayani!

Hindi namin malilimutan ang inyong karangalan para sa ating bayan!

Address

Danao City
6004

Telephone

+639338194992

Website

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