Affordable Bahay at Lupa

24/05/2024

🏡 SINGLE ATTACHED IN BIÑAN CITY 🏡
San Antonio Biñan, Laguna
Amara Model - 2 Storey Single Attached
House Features:
✅ 1 toilet and bath
✅ Carport
✅ Semi Complete Turnover
✅ Living Area
✅ Dining Area
✅ Service Area
ACCESSIBILITY:
📍 Near Mamplasan Exit
📍 Near Southwoods SLEX exit
📍 Nearby Hospitals, Schools, Churches
📍 Nearby markets, malls and resto
📍 Near Terminals going Alabang, Manila
For more details, and free site visit, Message us now! +63915.128.8433

17/05/2024

Starts at 7k+ Monthly Downpayment near SLEX Mamplasan Exit.
🏡 SINGLE ATTACHED IN BIÑAN CITY 🏡
San Antonio Biñan, Laguna
Amara Model - 2 Storey Single Attached
House Features:
✅ 1 toilet and bath
✅ Carport
✅ Semi Complete Turnover
✅ Living Area
✅ Dining Area
✅ Service Area
ACCESSIBILITY:
📍 Near Mamplasan Exit
📍 Near Southwoods SLEX exit
📍 Nearby Hospitals, Schools, Churches
📍 Nearby markets, malls and resto
📍 Near Terminals going Alabang, Manila
For more details, and free site visit, Message us now! +63915.128.8433

17/03/2024

CREDITS TO THE COPYRIGHT OWNER. JUST SHARING TO CORRECT WRONG INFORMATION NA FIFTY YEARS LANG ANG CONDO AT GIGIBAIN OR WHATEVER

WHAT WILL HAPPEN TO A CONDOMINIUM INVESTMENT AFTER 50 YEARS?

(RA 4726 or The Condominium Act of the Philippines)

This is one of the most common concerns raised by condominium buyers and it is a very relevant question to ask especially since we are talking about millions of money here.

✔In the Philippines, there is a law that protects the interest of the unit owners in a condominium project. This is the Republic Act 4726 or The Condominium Act of the Philippines which was mandated on June 18, 1966.

✔Perpetual ownership - It’s not like you will buy a condominium property and then after 50 years, your investment will be gone. When a condominium project is fully turned over to the unit owners, it becomes just like a corporation, and you are one of the owners of that corporation if you have a unit there.

✔So it follows that you will have a “say” in the decision making as to what to do with the whole building and if it has been decided that the property is going to be sold or demolished so that a new property will be developed on the area, you will get your appropriate share of the proceeds of the sale.

Just like any other investment, your condominium property can last, can be profitable and can be passed on to your heir(s).

21

19/01/2024

Celebrating 47 incredible years of growth, resilience, and shared dreams with NATCCO Network!🥳

From every twist and turn that shaped our cooperative journey, NATCCO is grateful for the lessons, the victories, and the unwavering spirit of every member-cooperative across the nation. Let's embrace the memories, learnings, and friendships that have shaped our cooperative family.

As we celebrate this milestone—NATCCO's 47th Founding Anniversary—join us on the NATCCO Leaders & Manager's Forum this January 23, 2024, from 8:30AM to 3:30PM via Zoom Teleconferencing.

Happy 47th Founding Anniversary to our dear NATCCO Network! See you there!💙🧡

@47

28/11/2023

PAG-IBIG HOUSING LOAN TIPS‼️
If kumuha ka ng house sa subdivision through PAG-IBIG, take note of these tips:

📌Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

📌Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal. I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34 Monthly Amortization:

P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal 😭
= P9,555.34 total monthly Amortization

Diba ang liit ng kaltas sa principal. Ang laki ng bayad sa interest. 😭

📌This is how you compute your monthly interest. Bigay ko na example yung amin.

1.6M = principal (total amount ng utang namin)
5.375% = annual interest
divided by 12 months

1.6M x 5.375% ÷ 12 = P7,166.67

📌That's why, it is highly recommended to pay in advance sa principal mismo if you have extra money para lumiit din ang interest na binabayaran mo. For example, after 5 years, 1M na lang principal mo so 1M x 5.375% ÷ 12 = P4,479.17

📌Di bababa ang monthly amortization mo BUT because smaller na ang interest, BIGGER na ang kaltas sa principal mo.

📌If you have extra money and you want to pay in advance, go directly to pag-ibig office and sabihin EXCESS TO PRINCIPAL yung payment mo.

---For example, magbabayad ka ng 50k and
10k ang monthly amortization,
the excess which is 40k will be deducted directly sa principal amount mo. So nakabayad ka na ng monthly Amortization, nabawasan pa principal mo.

📌Iwasan mag advance payment sa monthly amortization sa bayad centers. Mababa lang nababawas nyan sa principal mo. Bayad ka na lang sa principal.

---For example, if nag bayad ka sa payment centers ng 50k for your monthly amortization, meaning you don't need to pay for 5 months kasi nag advance ka na sa monthly amortization mo. Pero ang liit lang ng kaltas nyan sa principal mo.

📌You can pay the principal ONLY IN PAG-IBIG OFFICE not in bayad centers.

📌For example, nakabayad ka na ng monthly mo sa bayad center last April 1 tapos may extra money ka pala before your due date and you want to pay in advance, pwede pa yan. Punta ka ng pagibig office and say you'll pay DIRECT TO PRINCIPAL. Para whole amount na mabayad sa principal.

This is based on clients experience and based sa sabi ng staff sa pagibig. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang. 😁

17/11/2023

HIWALAY SA ASAWA, GUSTO BUMILI NG PROPERTY...

Question:

10 years na ako hiwalay sa husband ko. May 3 kaming anak pero nasa akin lahat. Ang asawa ko ay may kinakasama na at meron na ring 2 anak. Ako po ay single pa rin at may magandang kita na ngayon dahil sa sariling pagsisikap. Gusto ko bumili ng mga properties tulad ng lupa at bahay para na rin sa mga anak ko. Ang worry ko, dahil hindi pa kami annulled ng husband ko, magiging part pa ng conjugal property ang mga mabibili kong properties na ayaw ko naman mangyari dahil para iyon sa mga anak ko. Ano po ba ang legal remedies para dito?

Answer:

Tama ka madam. Pag bumili ka ng mga properties habang di pa annulled ang kasal niyo, magiging part ito ng conjugal property. Ang gawin mo, bago ka bumili ng mga property, mag 𝙛𝙞𝙡𝙚 ka muna ng 𝐏𝐞𝐭𝐢𝐭𝐢𝐨𝐧 𝐟𝐨𝐫 𝐉𝐮𝐝𝐢𝐜𝐢𝐚𝐥 𝐒𝐞𝐩𝐚𝐫𝐚𝐭𝐢𝐨𝐧 𝐨𝐟 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐢𝐞𝐬 sa korte para ma dissolve ang 𝗔𝗯𝘀𝗼𝗹𝘂𝘁𝗲 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 niyo ng husband mo at magiging 𝗔𝗯𝘀𝗼𝗹𝘂𝘁𝗲 𝗦𝗲𝗽𝗮𝗿𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝗶𝗲𝘀 na kayo. Pag na grant na ng korte ang petition mo, pwede ka na mamili ng mga properties at iyon ay magiging exclusive na pag aari mo lamang.

11/11/2023

🏡 MOST AFFORDABLE HOUSE AND LOT IN LAGUNA! With Car Garage 🚘
🏘️ Amara Model - 2 Storey Single Attached
✅ 2 bedrooms
✅ 1 toilet and bath
✅ Carport
✅ Semi Complete Turnover
✅ Living Area
✅ Dining Area
✅ Service Area
💰 10K Reservation Fee
💳 290K Downpayment payable in 15 Months
🌟 ACCESSIBILITY:
📌 Near Mamplasan Exit
📌 Near Southwoods SLEX exit
📌 Nearby Hospitals, Schools, Churches
📌 Nearby Supermarkets, Malls, and Restaurants
📌 Nearby Transport Terminals
📌 Located at Nearby Commercial Areas
Come visit our model units in Biñan, and plan for your new home. 🏠👨‍👩‍👧‍👦
𝐆𝐎 𝐌𝐄𝐒𝐒𝐀𝐆𝐄 𝐔𝐒 𝐓𝐎𝐃𝐀𝐘! For inquiries, please contact GOREALTY.PH at +639-15128-8433📲🏡🔑watsapp
Viber:+971-5255-91249

28/10/2023

FOR ALL TO KNOW‼️

This land usually are being sold as YUTA DATA DATA.
So please before investing, check.
Before deciding, refer to a Licensed Real Estate Practitioner for a DUE DILIGENCE of all the papers.

🕵️Things to know about CLOA:

Is it safe to buy a property with CLOA Title?
Looking for a property to invest or a land where you can build your future home one can be taxing. There are lot of factors to look into including and importantly the legality of the property that you are eyeing.

Is someone selling you a property or have you gained interest in a property that has CLOA title and you’re not sure whether or not it is safe to buy a property with CLOA Title? Here are some of the important information about CLOA land to help you decide whether or not it is worth all the effort to acquire it.

What is CLOA Title?
Certificate of Land Ownership Awards or CLOA is a document that states ownership of the land granted or awarded to the beneficiary by the Department of Agrarian Reform (DAR). This means that the current owner of the CLOA land had acquired the property from DAR.

Can the owner sell the CLOA Land awarded to him?
The CLOA land is legally under the name of the owner or the beneficiary but it has some conditions and restrictions under the Comprehensive Agrarian Reform Law (CARL) and other applicable law. Included in the limitations is the selling or transferring of ownership of the CLOA Land to other people.

Unfortunately, CLOA lands cannot be alienated or sold to any other person. There is an existing 10-year restriction period from the time the land was award to the beneficiary stating that the beneficiary cannot dispose of these lands whether by selling it or transferred.

Selling them to any developer or any private citizen without the permission of DAR considered illegal.

When can I buy a land with CLOA Title?
Since the CLOA land beneficiary is prohibited to sell, transfer or convey the right to use the land, it can only be sold, transferred or conveyed to their children, the government, the Land Bank of the Philippines (LandBank), or other qualified beneficiaries after 10 years.

Only after 10 years that the CLOA land title restrictions has lapsed can you safely and legally purchase the land.

Under the land reform law, farmer-beneficiaries can only sell the land after 10 years and/or only after the original owner has been compensated.

Should you invest in a CLOA titled land?
The straight answer to this is unless the CLOA titled is over 10 years old or the current owner or beneficiary had fully compensated the original owner of the land is when it is safe to buy the property. Make sure to do your due diligence and look up the legality of the property you are buying – regardless if it is CLOA titled or otherwise.

02/08/2023

One of the best things about being filipino is that we value our family especially our parents who raised us well.❤️

Congratulations to my 2 client for the month of July 2023 for the successful reservation of Granary, Binan

Thank you for trusting me as your real estate salesperson.

For more info pls dm me or watsapp:0915-1288433

Reserve your unit now before the price increases.
Thank you lord🙏

.ph

27/07/2023

Beware of the word “CLEAN TITLE”

You can only call it clean title IF:

⭕ Owners that appears in the title of the property are still ALIVE & CAN SIGN documents

⭕ NO disputes attached in the title AND “certified true copy” of the title.

Please take note of the word “AND” because not all disputes are printed in the original title itself. Thus, it is very important to request for the latest certified true copy of the title.

⭕ All real estate taxes are paid on time. Always request for latest real estate tax clearance.

⭕ If the owners are married (on or after 1987) the property is considered conjugal even if only one property owner is in the title. Both should sign sale documents. Should the property owner dies, heirs should file and pay for the estate tax of all the properties.

⭕ If the property estate taxes are not yet paid, the property cannot be called “CLEAN”.

⭕ Magkaiba po ang real estate tax na binabayaran ninyo annually at ang estate tax (BIR FORM 1801). You only pay estate tax if the owner in the title is already dead. Penalties (like big penalties) apply for late filing..

13/05/2023

13/05/2023