Proud Ahente nga Bisaya

Proud Ahente nga Bisaya ✅ PRC LIC. NO.: 15514 ✅

Hi! I’m Francis, an independent accredited real estate agent in Cebu.

This page shares different property listings and investment guides.

‼️This is NOT the official page of any developer‼️

06/03/2026

Almost Ready for Occupancy. Hurry while wala pa nag price increase!!!



Call now for Reservation:
992 533 7567

Nasunog ang Bahay Mo Habang Naka-Mortgage Pa Ito. Kukunin Ba ng Banko o Mapupunta Sayo?Maraming homeowners ang nagugulat...
06/03/2026

Nasunog ang Bahay Mo Habang Naka-Mortgage Pa Ito. Kukunin Ba ng Banko o Mapupunta Sayo?

Maraming homeowners ang nagugulat sa sitwasyong ito.
Akala nila kapag nasunog ang bahay, automatic kukunin na ng banko ang property.

Pero sa totoo lang, may proseso at may protection ang borrower.

Narito ang dapat mong malaman:

1️⃣ Required ang Fire Insurance sa Mortgage
Halos lahat ng banks at housing loans (bank, Pag-IBIG, in-house financing) ay may mandatory fire insurance habang may loan pa ang property.

Ito ang protection kapag may sunog o disaster.

2️⃣ Hindi Automatic na Kukunin ng Banko ang Property
Kapag nasunog ang bahay, hindi agad kinukuha ng banko ang property kung updated ka naman sa loan payments.

Patuloy lang ang loan unless may claim sa insurance.

3️⃣ Insurance Claim ang Unang Aasikasuhin
Magfi-file ng insurance claim para ma-assess ang damage ng property.

Dito papasok ang insurance company na nag-cover ng bahay.

4️⃣ Bank Usually ang Primary Beneficiary
Sa mortgage insurance, kadalasan ang bank ang beneficiary ng insurance policy.

Bakit? Dahil sila ang may financial interest habang may utang pa.

5️⃣ Insurance Proceeds Pwedeng I-Apply sa Loan
Kapag na-approve ang claim, maaaring gamitin ang payout para:

• Bayaran ang remaining loan balance
• O gamitin sa reconstruction ng bahay

Depende ito sa terms ng bank at insurance.

6️⃣ Kung May Excess, Mapupunta sa Owner
Kung mas malaki ang insurance payout kaysa sa loan balance, ang sobra ay mapupunta sa property owner.

7️⃣ Kaya Importante ang Tamang Insurance Coverage
Kung kulang ang insured value ng bahay, baka hindi sapat ang payout para ma-rebuild ang property.

Kaya mahalaga na updated at tama ang coverage ng insurance.

💡 Bottomline:
Kung nasunog ang bahay na naka-mortgage, hindi agad ito kukunin ng banko.

Kadalasan, insurance ang sasalo sa damage — at doon manggagaling ang pambayad o pang-rebuild ng property. 🔥🏠

CTTO

🌊✨ THE WAIT IS OVER! ✨🌊We are thrilled to announce that Saekyung Ocean Residences is now officially licensed to sell Tow...
06/03/2026

🌊✨ THE WAIT IS OVER! ✨🌊

We are thrilled to announce that Saekyung Ocean Residences is now officially licensed to sell Tower 3 and Tower 4!

This long-awaited milestone opens the doors to your dream of affordable oceanfront living in Mactan, Cebu.

🏝️ Imagine waking up to calming ocean views, enjoying resort-style amenities, and owning a home that blends affordability with prestige.

📢 Price details will be revealed soon—and on the same day, we will begin accepting reservations. Be ready, because demand is expected to soar!

💙 Saekyung Ocean Residences. Affordable. Accessible. Oceanfront living made possible.

For reservation contact 0992 533 7567.

Q:Magkano magastos sa Patitulo ng ng nabiling Portion ng lupa🤔👉Depende sa laki ng lupa, halaga, at sitwasyon ng titulo, ...
30/01/2026

Q:Magkano magastos sa Patitulo ng ng nabiling Portion ng lupa🤔
👉Depende sa laki ng lupa, halaga, at sitwasyon ng titulo, pero eto ang realistic na breakdown ng gastos sa pagpapatitulo ng nabiling portion ng lupa 👇👇 👇

💰 Tinatayang Gastos sa Pagpapatitulo (Portion ng Lupa)
1️⃣ Survey / Subdivision Plan
Kung portion lang ang binili:

📐 Geodetic Engineer (survey + approved plan)

₱25,000 – ₱60,000+
(depende sa laki, lokasyon, at kung may existing survey)

2️⃣ Capital Gains Tax (CGT)
6% ng Selling Price o Zonal Value (kung alin ang mas mataas)

Halimbawa:
₱1,000,000 x 6% = ₱60,000

👉 Karaniwan sagot ng seller, pero minsan pinapasa sa buyer (depende sa usapan).

3️⃣ Documentary Stamp Tax (DST)
1.5% ng selling price/zonal value

Halimbawa:
₱1,000,000 x 1.5% = ₱15,000

4️⃣ Transfer Tax (LGU)
0.5% – 0.75%

Halimbawa:
₱1,000,000 x 0.75% = ₱7,500

5️⃣ Registration Fee (Registry of Deeds)
Depende sa value

₱3,000 – ₱15,000+

6️⃣ Notarial & Miscellaneous
Notaryo, photocopy, pamasahe, processing

₱5,000 – ₱10,000

✅ TOTAL ESTIMATED COST
👉 ₱120,000 – ₱200,000+

(Mas mataas kung mahal ang lupa o komplikado ang titulo)

⚠️ Mahahalagang Paalala👇👇👇
✔️ Hindi puwedeng patituluhan ang portion kung walang approved subdivision plan
✔️ Dapat malinis ang mother title (walang kaso, lis pendens, encumbrance)
✔️ Mas tipid kung maayos ang deed of sale at papeles agad.

CCTO:

PHASE 3 FEW REOPENED UNITS AVAILABLE!📍Saekyung Village One-Marigondon, Lapulapu City ✅ NO MOVE IN FEES✅ FREE APPLIANCES✅...
30/01/2026

PHASE 3 FEW REOPENED UNITS AVAILABLE!
📍Saekyung Village One-Marigondon, Lapulapu City

✅ NO MOVE IN FEES
✅ FREE APPLIANCES
✅ READY FOR OCCUPANCY

For viewing and site tour: 0992 533 7567

🇵🇭➡️🇺🇸 Born Filipino, Now American: May Karapatan pa ba sa Lupa sa Pinas?Maraming Pinoy ang lumaki dito, nag-migrate, na...
29/01/2026

🇵🇭➡️🇺🇸 Born Filipino, Now American: May Karapatan pa ba sa Lupa sa Pinas?

Maraming Pinoy ang lumaki dito, nag-migrate, nagkamit ng US citizenship… then biglang nagulat:

“Ay, bawal na pala ako bumili ng lupa sa Pilipinas?!”

And yes — ito ang pinaka-misunderstood na rule sa real estate.
Kaya kung Fil-Am ka or may family ka abroad, basahin mo ’to hanggang dulo.

⸻

1️⃣ Kapag nag-US Citizen ka… hindi ka na Filipino in the eyes of PH law.

Kahit dito ka pinanganak, kahit buong pagkabata mo nasa Pinas ka —
the moment you became a foreign citizen, you lose your rights as a Filipino.

At kasama doon ang pag-own ng land.

✔️ Reality:
Only Filipino citizens and corporations 60% Filipino-owned can own land.

⸻

2️⃣ So totally bawal na?

Yes — bawal mag-own ng land if foreigner ka na.

Pero may exceptions.

Pwede ka pa rin mag-own ng:
• Condo unit (up to 40% foreign ownership rule)
• House & Lot? → House lang pwede. Lot? Hindi.
• Building? Pwede
• Land? Hindi talaga — unless bumalik ka sa pagiging Filipino.

⸻

3️⃣ Pero what if dito ako pinanganak? Born Filipino ako!

This is the part na madalas nakaka-lito.

Being “born Filipino” ≠ legally Filipino forever.

If you never applied for dual citizenship,
your land ownership rights are considered extinguished.

In other words:
Wala kang automatic right to own land kahit pinanganak kang Pinoy.

⸻

4️⃣ The ONLY way maibalik ang right to own land:

🔑 Mag-apply ng Dual Citizenship (RA 9225).

Once approved, balik lahat:
• right to own land
• right to buy property
• right to inherit property
• right to transact as a Filipino again

Dual citizenship solves everything.

⸻

5️⃣ Pero paano yung mga naka-OWN na ng property bago pa sila nag-US citizen?

Good news:

✔️ Valid pa rin yung ownership.
Hindi yan kukunin.
Hindi mawawala yung title.

Ang bawal lang ay mag-acquire ng bagong land after naging American.

⸻

6️⃣ Pinaka-simple explanation para sa mga buyers:

“Kung US citizen ka na at wala ka pang dual,
pwede ka mag-condo,
pero hindi ka makakabili ng lupa.”

⸻

7️⃣ Is this unfair? Controversial? Debateable? Yes.

Ito ang dahilan kung bakit maraming Fil-Ams nagreklamo:
“Pinanganak akong Filipino, bakit hindi ako allowed mag-own ng kahit maliit na lote?”

Pero ito kasi ang logic ng batas:
• Land is for Filipinos.
• Citizenship defines legal identity.
• If you give up citizenship, you give up land rights.

Kaya kung ayaw mo mawala ang “karapatan sa lupa,”
dual citizenship is the key.

🔥 FINAL TAKEAWAY

Being born Filipino doesn’t guarantee lifetime land rights.
But dual citizenship can bring them all back — fully.



CTTO

17/01/2026

Own a beachside condo in Mactan for only
💥 ₱5,000+ per month on equity 💥

Yes — you can start owning at Saekyung Ocean Residences with one of the lowest monthly payments in Cebu.

📍 Near airport, resorts & beaches
🏝️ Resort-style amenities
📈 High rental demand for Airbnb
🏢 Trusted Saekyung developer

Units with this promo are very limited.

👉 Message us “5K” to get full details & sample computation.

Address

Saekyung Village One, Marbeach Road, Marigondon
Lapu-Lapu City
6015

Website

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