My PHirst Home

23/10/2025

Attention ‼️⚠️ OFW, Seaman, Locally Employed, Call Centers, Freelancers( VA), with a minimum salary of 30K. You are qualified for a Pag-ibig Housing Loan.

🏡PHirst Park Homes In Calamba 🏡
🎁House and Lot for Sale🎁
🏠Single Attached✅
🏡Townhouse ✅

✅ FULLY FINISHED UNITS
✅ WITH GATE & FENCE 🏠
✅ WITH PARKING LOT 🚙
✅ EXPANDABLE UNITS❗️
--
Easy Buying Process!
📌 𝗛𝗔𝗦𝗦𝗟𝗘 𝗙𝗥𝗘𝗘 𝗧𝗜𝗧𝗟𝗘 𝗣𝗥𝗢𝗖𝗘𝗦𝗦𝗜𝗡𝗚
📌 FREE WATER AND ELECTRIC CONNECTION FEE
📌 FREE BANK LOAN APPLICATION
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TCP INCLUDES:
🏦 Bank Charges
🔌 Power Installation
💧 Water Connection
🖋 Title Transfer Fee
📆 Move-In Fee
📄 Legal Miscellaneous Fee
❌ No Hidden Charges
❌ No Separate Payment Fees
ALL PHIRST PROJECTS ARE:
🙌 Flood Free Area
💯 Earthquake Proof
🚧 With Tight Security
🔒 Gated Community
🏀 With Complete Amenities

𝐏𝐑𝐄𝐒𝐄𝐋𝐋𝐈𝐍𝐆 𝐔𝐍𝐈𝐓𝐒:
💎 Downpayment is payable in 18months. 0% interest!

Reservation fee & 2 Valid ID’s only to secure your PHirst Home 👌🏻

✔️𝐋𝐎𝐖 𝐑𝐄𝐒𝐄𝐑𝐕𝐀𝐓𝐈𝐎𝐍

🎁Phirst Park Homes 🎁
‼️PRESELLING - RFO‼️

🎉Project Locations:
• Magalang, Pampanga
• Tayabas, Quezon province
• Batulao, Batangas near twinlakes
• Lipa, Batangas across lima outlet mall
• San Pablo, Laguna near Meralco
• Calamba, Laguna Palo alto
• Gapan, Nueva Ecija Tabi ng allhome
• Balanga, Bataan
• Naic, Cavite Likod ng Sm trece
• Hermosa,Bataan Superhighway
• Bacolod and Iloilo Negros Occidental
• Gentri, Cavite Buenavista II





For further information or inquiries kindly contact our Accredited Salesperson

Aydee Fallena
09957850276

21/10/2025

𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗹𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱

A few years ago, we finally took the big leap kumuha kami ng bahay sa isang subdivision through PAG-IBIG Housing Loan.

First home. Dream achieved.

Pero after a few months of paying our monthly amortization, napapaisip na ako…

“Bakit parang hindi gumagalaw yung utang namin?”

Kaya nagtanong ako directly sa PAG-IBIG office. At doon ko nalaman ang totoo. 💔

⸻

📌 MONTHLY AMORTIZATION BREAKDOWN…SURPRISING ’TO!

We were paying ₱14,930.21 every month.

I thought malaking part nun napupunta sa principal. Pero eto ang actual breakdown:
-₱11,979.17 – Interest
-₱235.80 – Fire Insurance
-₱360.00 – MRI (Mortgage Redemption Insurance)
-₱2,355.24 – Principal

Yes. Out of almost ₱15,000, only ₱2K+ goes to the loan itself.
The rest? Sa interest. Sa insurance. Sa charges.

⸻

Paano Kinocompute ang Interest?

Let’s break it down:
• ₱2.5M loan
• 5.75% annual interest
• Divided by 12 months

👉 ₱2,500,000 × 5.75% ÷ 12 = ₱11,979.17 Monthly Interest

Kaya ang tagal bago bumaba ng utang.

Over time naman, your monthly payments will shift.
Unti-unting bumababa ang interest, habang tumataas ang nababawas sa principal.

Sa sinula, halos puro interest muna ang binabayaran mo.

But here’s the good news: may paraan para pabilisin ’yan.

⸻

BAYARAN ANG PRINCIPAL, NOT JUST THE MONTHLY

If may extra cash, wag ka muna mag-upgrade ng phone. 😅
Go to the PAG-IBIG office, and say:

👉 “Direct to Principal Payment po.”

Example:
- Monthly due: ₱14,930.21
- Binayad mo: ₱50,000
- ₱14,930.21 = regular monthly payment
- ₱35,069.79 = goes straight to principal

Meaning, lumiliit ang utang mo. Mas maliit na interest next month. Mas mabilis mong matatapos ang loan.

⸻

🚫 DON’T DO THIS IN PAYMENT CENTERS

If you pay ₱50,000 sa Bayad Center, it will just cover the next few months’ dues.

No impact sa principal.

So yes, advance ka nga—pero mabagal pa rin ang bawas sa utang.

⸻

Always monitor your loan online via Virtual PAG-IBIG.
They don’t send monthly bills, so ikaw mismo ang dapat mag-track.

⸻

My Realization:

Pag hindi mo intindihin kung paano gumagana ang housing loan mo,
years will pass… and you’ll wonder why you’re still paying a mountain of debt.

Kaya if you’re in the same boat as us…please, learn from our journey.

Don’t just pay. Pay smart.

⸻

Financial literacy is not a luxury. It’s survival.
Let’s share this with other homeowners…lalo na yung mga first time.

God bless sa lahat ng may bahay pero may bayarin pa. 😅 makaka-fully paid din tayo 🙏☝️

20/10/2025

No tricks, just treats! Join us for a spook-tacular GRAND OPEN HOUSE at PUP on October 25, 2025, 10AM onwards!

Experience the thrill of finding your dream home in a festive atmosphere. Bring your family, wear your spooky hats, and make some unforgettable memories! 🎃👻

08/10/2025

Our mission to bring quality homes to more Filipino families is gaining momentum. We're grateful for the recognition from Dot Property and we thank our residents for making our communities come alive.

08/10/2025

To all VA/Freelancer who are planning to get a loan thru pag-ibig housing loan. Read this.

“Ba’t kayo kumuha ng housing loan payable in 25 years? Magkaka-apo na lang kayo, may utang pa rin kayo.”

That’s what we kept hearing 18 years ago. Back then, we were just starting our family, newly married and figuring things out.

And I was like, bakit man kayo mag buot uroy? Kayo ba magbabayad?😅
Chareng.

Wala kaming malaking ipon, at ayaw na rin namin mag rent. So we took the plunge and applied for a Pag-IBIG housing loan.

25 years.

Yun lang ang option.

Monthly payment was manageable kasi both of us were working corporate jobs. Stable and steady.

Pero come 2019, I decided to leave my corporate job to focus on our small business.

And then the pandemic hit in 2020, which nobody saw coming. The business crashed and took a hard hit.

Everything was messed up.

That’s when freelancing came in.
It’s supposed to be just a side gig, pampuno lang ng gastos like mortgage, car loan, bills, etc.

Pero ayun, it turned into the lifeline.

I became a full-time freelancer in 2022, managing multiple clients from the US, UK, AU, and other parts of Europe.

Fast forward two years… yung 25-year loan na dapat may 7 years pa natitira? We were able to pay it off last year. Thank you Lord, thank you freelancing! 🙏🏻

We even managed to buy a few more real estate properties. Amazing how something that started as just a side hustle for bills turned into a way to invest in our future.
Bigger than we ever imagined.

Takeaway?
Different paths work for different people. Hindi lahat comfortable sa long-term loans, and that’s okay. Pero para sa amin, ito yung nag-make sense nun, and it worked out in our favor big time.

And to anyone tied to a long-term housing loan right now…

Keep going.

You’ll get there.

And if ever you have the capacity to pay it off early, do it.

It’s one less burden to carry, and a huge peace of mind gained.

You’re not imagining it.
There’s more out there for you.

07/10/2025

Experience the joy of home, where laughter and love fill every moment. A PHirst home is the perfect place for your baby's precious memories to unfold.

05/10/2025

You're Invited: Explore Your Dream Home at PHirst Park Homes!

Get ready to experience the best of modern living! PHirst Park Homes is excited to invite you to our upcoming open house event. Join us and discover your perfect haven in our beautifully designed homes.

01/10/2025

Experience modern living at its finest in Cavite's heart. Make the first move towards your dream lifestyle and learn more about PHirst's offerings.

Schedule your site viewing now!

PM is the Key. 🔑🗝️🏠🏡

27/09/2025

Every sale is a testament not to a number, but to a relationship built on trust, dedicated service, and shared success.🎉

​A heartfelt thank you to my clients—your trust is the foundation that makes this whole journey happen. 🤛🏻🪬

27/09/2025

Your dream home awaits at PHirst Park Homes Sto. Tomas! Enjoy beautifully complete homes with amenities that bring your lifestyle to life. Make your move today!

25/09/2025

Meet the Buenas Family, proud homeowners of PHirst Park Homes San Pablo! Their smooth journey to homeownership is a testament to our commitment to making dreams come true. Start your own story with PHirst! "