Bahay Goals on a Budget

31/03/2026

🚨 𝐖𝐀𝐈𝐓—₱𝟏𝟒𝐊/𝐦𝐨𝐧𝐭𝐡 𝐥𝐚𝐧𝐠 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐎𝐖𝐍 𝐇𝐎𝐔𝐒𝐄?! 🤯🏡
𝒀𝒆𝒔, 𝒚𝒐𝒖 𝒓𝒆𝒂𝒅 𝒕𝒉𝒂𝒕 𝒓𝒊𝒈𝒉𝒕.

👉 𝐎𝐖𝐍 𝐇𝐎𝐌𝐄 𝐧𝐚 𝐬𝐚 𝐂𝐚𝐯𝐢𝐭𝐞!
📍 𝐋𝐢𝐨𝐫𝐚 𝐇𝐨𝐦𝐞𝐬 𝐍𝐚𝐢𝐜 – 𝐀𝐌𝐎𝐑𝐀 𝐔𝐧𝐢𝐭
✨ 𝐌𝐚𝐲 𝐅𝐑𝐄𝐄 𝐬𝐨𝐥𝐚𝐫 𝐩𝐚𝐧𝐞𝐥, 𝐰𝐚𝐭𝐞𝐫 𝐭𝐚𝐧𝐤𝐬, 𝐚𝐭 𝐬𝐜𝐫𝐞𝐞𝐧 𝐝𝐨𝐨𝐫𝐬 𝐩𝐚!

𝐍𝐨𝐰, 𝐡𝐞𝐫𝐞’𝐬 𝐭𝐡𝐞 𝐫𝐞𝐚𝐥 𝐭𝐞𝐚 👇
💥 𝐈𝐍𝐍𝐄𝐑 𝐔𝐍𝐈𝐓:
✔ Starts at ₱14,205/month (30 yrs via Pag-IBIG)
✔ Required income: around ₱40K+

💥 𝐄𝐍𝐃 𝐔𝐍𝐈𝐓 (𝐛𝐢𝐠𝐠𝐞𝐫 𝐥𝐨𝐭):
✔ Around ₱15,270/month
✔ Required income: ₱43K+

So kung nagbabayad ka ng rent na halos ganito na rin…
𝐰𝐡𝐲 𝐧𝐨𝐭 𝐬𝐚 𝐬𝐚𝐫𝐢𝐥𝐢𝐧𝐠 𝐛𝐚𝐡𝐚𝐲 𝐧𝐚 𝐧𝐚𝐩𝐮𝐩𝐮𝐧𝐭𝐚? 👀

✔ May sariling space
✔ Pwede mag-design ng dream home mo
✔ Hindi ka na lilipat-lipat

👉 𝐓𝐡𝐞 𝐭𝐫𝐮𝐭𝐡 𝐢𝐬: 𝐡𝐢𝐧𝐝𝐢 𝐦𝐨 𝐤𝐚𝐢𝐥𝐚𝐧𝐠𝐚𝐧 𝐦𝐚𝐠𝐢𝐧𝐠 𝐦𝐢𝐥𝐲𝐨𝐧𝐚𝐫𝐲𝐨 𝐩𝐚𝐫𝐚 𝐦𝐚𝐠𝐤𝐚𝐛𝐚𝐡𝐚𝐲.
𝐘𝐨𝐮 𝐣𝐮𝐬𝐭 𝐧𝐞𝐞𝐝 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲… 𝐚𝐧𝐝 𝐭𝐡𝐢𝐬 𝐢𝐬 𝐢𝐭.

📩 Message me “AMORA” para ma-compute natin based sa salary mo
(YES, pwede natin i-check kung pasok ka 👌)

19/03/2026

Init na init na ba? ☀️
Panahon na para piliin ang tamang komunidad!

Sa lugar na may kumpletong amenities, may preskong hangin, at siguradong seguridad, hindi mo lang tinatakasan ang init… ina-upgrade mo ang buhay mo. 🏡✨

This summer, huwag ka nang magtiis.
Dito ka sa komunidad na kayang ibigay ang ginhawa, saya, at peace of mind na deserve mo.

Liora Homes Naic sigurado ka❤️

16/03/2026

The home of the Happy People 💛

13/03/2026

24/02/2026

More families are choosing Cavite—and Liora Homes Naic is proud to be part of that journey. 🌿

We build homes that work hard for your family, today and for the years ahead.

24/02/2026

Because your family deserves a space where memories are made. ✨
From morning coffees to late-night laughs, discover the comfort and joy waiting for you at Liora Homes Naic.

24/02/2026

From giggles at the playground to weekend splashes at the swimming pool, Liora Homes Naic offers amenities that the whole family will love.
Message us and plan your tripping day at Liora Homes Naic! 🏡💛

24/02/2026

Sulit ang pagod basta para kina mama at papa. 🏠

03/07/2025

MAY OFFICE NA PO KAMI

Send a message to learn more

24/06/2025

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 tubo. 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 pala ang tagal bago bumaba ng utang.
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 🙏☝️



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