Resale House And Lot At Golden City

07/09/2026

💳 MAY BAD RECORD SA CREDIT CARD — MAKAKAKUHA PA BA NG HOUSING LOAN?

🏠 May dream house ka na pero may bad credit record ka dahil sa credit card?
Pwede ka pa rin bang ma-approve sa housing loan?

Mga dapat malaman:

🔴 1. Hindi automatic na denied.
Ang pagkakaroon ng bad credit record ay maaaring makaapekto sa application, pero hindi ibig sabihin na automatic rejected na ang housing loan.

🔴 2. Tinitingnan ang credit history.
Maaaring makita ng lender ang payment behavior mo, kabilang ang delayed payments, unpaid obligations, at iba pang credit accounts.

🔴 3. May epekto sa loan approval.
Kung may serious delinquency o unpaid credit card debt, maaaring maging mas mahirap ang approval dahil mas mataas ang perceived risk sa lender.

🔴 4. Pwedeng maapektuhan ang loanable amount.
Kahit sapat ang income, kasama sa assessment ang existing debts at financial obligations mo.

🔴 5. Pag-IBIG at Bank financing ay may sariling evaluation.
Hindi pare-pareho ang approval criteria ng bawat lender, kaya hindi dapat isipin na kapag may bad record sa isang application ay wala nang ibang option.

💡 BEFORE APPLYING FOR A HOUSING LOAN

✔️ Ayusin muna ang unpaid credit card balance
✔️ Kung may delinquent account, alamin kung paano ito maa-settle
✔️ Panatilihing updated ang payments sa ibang loans
✔️ I-check ang overall debt-to-income capacity
✔️ Magpa-assess muna bago mag-reserve ng property

Important reminder:

Ang pagbabayad ng credit card debt ay hindi nangangahulugang instant na mawawala ang historical record. Ang mahalaga ay maayos ang current financial standing at maipakita ang capacity to pay.

📩 May property kang gustong bilhin pero worried ka sa housing loan approval? Magpa-assess muna bago mag-reserve.

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04/09/2026

Explore the different residential projects of Sionil Builders Corp. and discover home options for families, first-time homebuyers, and property investors.
🏠 House & Lot Options
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🔑 Quality Homes for Filipino Families
📩 SEND US A MESSAGE to know more about:
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✔️ Updated prices
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✨ Your dream home may be closer than you think!

💬 Message or contact us today and let us help you find the Sionil Builders Corp. project that’s right for you!

👩🏻 RHOSEL
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0919 214 4750

02/09/2026

KAYA MO BA TALAGA ANG MONTHLY AMORTIZATION NG BAHAY?
Hindi porke’t qualified ka sa maximum loan amount, ibig sabihin kaya mo na itong bayaran comfortably every month. ❤️
A simple rule of thumb is to aim for around 30%–35% of your net monthly income for your housing payment.
💰 Example:
Net income: ₱40,000/month
👉 30% = ₱12,000
👉 35% = ₱14,000
So, around ₱12,000–₱14,000/month could be a reasonable starting range.
⚠️ COMMON MISTAKE: MAY CAR LOAN HABANG NAG-AAPPLY NG HOUSING LOAN
Maraming buyers ang hindi napapansin na ang monthly car amortization ay kasama rin sa kanilang existing financial obligations.
Halimbawa:
💰 Net income: ₱40,000
🚗 Car loan: ₱10,000/month
Kapag may additional housing amortization ka, mas lalaki ang total monthly obligations mo.
This can affect your debt-to-income ratio (DTI) and may result in:
❌ Lower loanable amount
❌ Reduced borrowing capacity
❌ Possible loan disapproval
📌 Tip: Bago kumuha ng car loan, isipin muna kung may plano kang mag-apply for a housing loan soon. Mas magandang i-check muna ang overall budget mo.
💡 Simple formula:
Net Income × 30%–35% = Suggested Housing Budget
Ang goal ay hindi kung magkano ang maximum na pwede mong ma-loan.
Ang goal ay magkano ang kaya mong bayaran comfortably every month. 🏠❤️
🔑 Planning to buy a house?
Message HomeKeyPH and let’s explore a property that fits your budget!

🏡 KAYA MO BA TALAGA ANG MONTHLY AMORTIZATION NG BAHAY?

Hindi porke’t qualified ka sa maximum loan amount, ibig sabihin kaya mo na itong bayaran comfortably every month. ❤️

A simple rule of thumb is to aim for around 30%–35% of your net monthly income for your housing payment.

💰 Example:
Net income: ₱40,000/month

👉 30% = ₱12,000
👉 35% = ₱14,000

So, around ₱12,000–₱14,000/month could be a reasonable starting range.

⚠️ COMMON MISTAKE: MAY CAR LOAN HABANG NAG-AAPPLY NG HOUSING LOAN

Maraming buyers ang hindi napapansin na ang monthly car amortization ay kasama rin sa kanilang existing financial obligations.

Halimbawa:

💰 Net income: ₱40,000
🚗 Car loan: ₱10,000/month

Kapag may additional housing amortization ka, mas lalaki ang total monthly obligations mo.

This can affect your debt-to-income ratio (DTI) and may result in:
❌ Lower loanable amount
❌ Reduced borrowing capacity
❌ Possible loan disapproval

📌 Tip: Bago kumuha ng car loan, isipin muna kung may plano kang mag-apply for a housing loan soon. Mas magandang i-check muna ang overall budget mo.

💡 Simple formula:

Net Income × 30%–35% = Suggested Housing Budget

Ang goal ay hindi kung magkano ang maximum na pwede mong ma-loan.

Ang goal ay magkano ang kaya mong bayaran comfortably every month. 🏠❤️

🔑 Planning to buy a house?
Message HomeKeyPH and let’s explore a property that fits your budget!

01/09/2026

HELLO, SEPTEMBER! 🍂🏡
New month. New goals. Maybe… new home? 👀🔑
If buying a home has been sitting on your “one day” list, let this be your sign to finally start exploring your options.
✨ New month
✨ Fresh goals
✨ Bigger dreams
✨ One step closer to your own home
Hindi kailangan biglaan. Start with a simple inquiry. We’ll help you understand your options and find a home that fits your goals and budget.
📩 Send us a message today and let’s start your journey.
September could be the month you take that first step. 🤍🔑

HELLO, SEPTEMBER! 🍂🏡

New month. New goals. Maybe… new home? 👀🔑

If buying a home has been sitting on your “one day” list, let this be your sign to finally start exploring your options.

✨ New month
✨ Fresh goals
✨ Bigger dreams
✨ One step closer to your own home

Hindi kailangan biglaan. Start with a simple inquiry. We’ll help you understand your options and find a home that fits your goals and budget.

📩 Send us a message today and let’s start your journey.

September could be the month you take that first step. 🤍🔑

28/08/2026

🏡 TRANSFER TAX: Ano Ito at Sino ang Nagbabayad?

Kapag bumili ka ng property, hindi natatapos sa Deed of Sale ang proseso. May Transfer Tax ding kailangang bayaran bago ma-process ang transfer ng title.

📌 Ano ang Transfer Tax?
Ito ay tax imposed by the province or city where the property is located, para sa paglipat ng ownership ng property mula sa seller papunta sa buyer.

📌 Sino ang nagbabayad?
👉 Usually, buyer/transferee ang nagbabayad ng Transfer Tax, subject to the applicable local rules and the agreement of the parties.

📌 Magkano?
Depende sa LGU kung saan located ang property at sa applicable tax base/rate. Kaya hindi pare-pareho ang computation sa lahat ng lugar.

📌 Kailan ito binabayaran?
Karaniwan, pagkatapos ma-settle ang applicable BIR taxes at bago makumpleto ang registration/transfer process. May specific deadlines din depende sa local ordinance.

💡 Property Tip:
Before buying a property, ask for a complete breakdown of CGT/DST, Transfer Tax, Registration Fees, and other transfer expenses para alam mo ang total budget mo.

📍 Property Gabay PH
Simple guides for smarter property decisions.

26/08/2026

🏛️ BIR: KAILAN DAPAT I-FILE ANG TAXES SA PROPERTY TRANSFER?

Maraming nagtatanong:

“Kapag notarized na ang Deed of Sale, kailan ang deadline ng taxes sa BIR?”

Narito ang basic guide:

💰 CAPITAL GAINS TAX (CGT)

Para sa sale o ibang onerous disposition ng real property classified as a capital asset, ang CGT return at payment ay generally due within 30 days following the sale or disposition.

📄 DOCUMENTARY STAMP TAX (DST)

Kung ang taxable document, gaya ng Deed of Absolute Sale, ay ginawa, nilagdaan, o notarized anumang araw sa loob ng isang buwan, ang DST return at payment ay generally due before the 5th day of the following month.

📌 Halimbawa:

Kung ang Deed of Sale ay notarized noong:

• August 1, 2026
• August 15, 2026
• August 30, 2026

➡️ Ang DST return at payment ay generally due before September 5, 2026.

⚠️ IMPORTANT:

Hindi ibig sabihin na lahat ng property-related contracts o transactions ay may parehong 30-day deadline mula sa notarization.

Para sa Deed of Absolute Sale, mahalagang tingnan ang applicable tax rules at ang date ng taxable transaction o document.

📌 Tandaan: Ang tamang deadline ay depende sa uri ng transaction at applicable tax requirements.

— Property Gabay PH 🏡
Gabay sa tamang desisyon, sa tamang panahon.

26/08/2026

Check out this modern and spacious 4-bedroom house for sale near SM BF, Parañaque!

23/08/2026

🏡 FOR SALE | CORNER LOT – CAMELLA SPRINGVILLE CLASSIC

📍 Molino 3, Bacoor, Cavite

Looking for a spacious lot in a peaceful and established community? This 188 sqm corner lot might be perfect for you! ✨

📐 Lot Area: 188 sqm
📍 Property: Corner Lot
🏘️ Location: Camella Springville Classic, Molino 3, Bacoor, Cavite
💰 Selling Price: ₱2.9 Million

✅ Titled Property
✅ Corner Lot
✅ Great for building your dream home
✅ Located in an established community
✅ Spacious lot with good accessibility

📲 For inquiries & viewing:
WhatsApp: 0919 214 4750

20/08/2026

🏞 RESALE LOT – TIERRA MARIA ESTATES
📍 Anilao, Lipa City, Batangas
✔️ Private owned property
✔️ Lot only
✔️ Cash buyer only
✔️ Tahimik & secured community

Perfect for investment, retirement, or future home.

18/08/2026

Your dream home could be closer than you think! 🔑❤️

🏡 LOOKING FOR A HOUSE AND LOT IN SOUTH METRO MANILA?

Your dream home could be closer than you think! 🔑❤️

📍 Property locations available in:
✔️ Las Piñas
✔️ Cavite
✔️ Parañaque
✔️ Muntinlupa
✔️ Taguig

Whether you're looking for a home for your family or a property for your future, HomeKey PH is here to help you find the right option.

🏠 House & Lot
📍 Multiple locations
💬 Property details and payment options available upon inquiry

📩 Send us a message today!
Tell us your preferred location and budget, and let's find a property that fits your needs.

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