North Grove Hills - Exclusive Subdivision in Bulacan

12/11/2025

Gusto mo rin bang magkabahay kahit wala pang pang-cash? 🏡💛
Start your Pag-IBIG home journey today — simple lang, basta may tamang info!”

19/06/2025

Paano Ma-Qualify sa Pag-IBIG Housing Loan para sa Isang Subdivision Project?

Kung gusto mong mag-avail ng Pag-IBIG Housing Loan para sa isang developer project sa subdivision, sundin ang mga sumusunod na hakbang:

📌 Mga Hakbang sa Pagkuha ng Pag-IBIG Housing Loan
✅ Dapat ay miyembro ka ng Pag-IBIG Fund (at may hulog na minimum 24 months).
➡ Kung kulang pa ang 24 months na contribution, pwede mong bayaran ito nang buo (lump sum) ang kakulangan sa 24 months para ma-qualify.

✅ Siguraduhin na pasok ka sa mga basic qualifications:
✔️ May edad 65 pababa sa loan application at hindi tataas sa 70 years old sa loan maturity.
✔️ May kakayahang magbayad (stable na income at employment).
✔️ Walang outstanding Pag-IBIG housing loan na hindi pa bayad.
✔️ Walang record ng foreclosed, canceled, or bought-back na housing loan mula sa Pag-IBIG.

📌 Mga Requirements During Reservation
📌 Para masigurado ang slot mo, ihanda ang mga sumusunod:
✔️ One (1) Month Payslip o Proof of Income
✔️ Valid Government ID
✔️ Reservation Fee

📌 Mga Requirements for Loan Application
📌 Para sa Locally Employed:
➡ Pag-IBIG Membership Identification (MID) Number
➡ Valid ID (Government-issued)
➡ Company ID
➡ Latest 1-month Payslip
➡ Certificate of Employment & Compensation (COEC)
➡ Income Tax Return (ITR) o BIR Form 2316
➡ Proof of Billing (Meralco, tubig, internet, etc.)
➡ Marriage Certificate (kung kasal)

📌 Para sa OFW:
➡ Valid Passport & VISA
➡ Company ID
➡ Job Contract
➡ Certificate of Employment & Compensation (COEC)
➡ Payslip for the last 3 months
➡ Special Power of Attorney (SPA) – para sa representative sa Pilipinas
➡ Pag-IBIG Contribution Update – kung hindi ka na active sa hulog, pwede mong i-update ang payments mo.

📢 GOOD NEWS!
💡 Hindi mo na kailangang mag-apply ng loan direkta sa Pag-IBIG!
💡 Ang developer na ang mag-aasikaso ng loan application mo sa Pag-IBIG Fund.
💡 Kailangan mo lang pumasa sa initial evaluation ng developer at mag-submit ng required documents.

📩 Para sa detalye ng subdivision projects at loan qualifications, message us now! 📩

Its is me,
Broker Cie

16/05/2025

✅ Ano ito - “PASALO” house and lot with ASSUME PAYMENT of existing Pag-IBIG loan (TAO-TAO not thru Pag-IBIG): Dahil lamang ang may alam.

Disclaimer: we dont process Pasalo, this post is just an informational post for public awareness.

⸻

https://www.facebook.com/share/p/1BkmHyD4nV/?mibextid=wwXIfr

“PASALO” house and lot with ASSUME PAYMENT of existing Pag-IBIG loan (TAO-TAO not thru Pag-IBIG): Dahil lamang ang may alam.

Disclaimer: we dont process Pasalo, this post is just an informational post for public awareness.

⸻
✅ Ano ito

Pasalo = informally ipapasa ng original borrower (seller) ang property with loan sa new buyer (sasalong magbayad monthly).

⸻
📌REQUIREMENTS (tao-tao, not thru Pag-IBIG)

From Seller:
• Original Contract to Sell / Loan Agreement
• Valid IDs
• Pag-IBIG account details
• Payment history
• Authorization Letter or Acknowledgment Receipt
• Special Power of Attorney (SPA) (if seller is abroad)

From Buyer:
• Valid IDs
• Signed agreement with seller
• Cash for any past due, penalties, or cash-out

Joint Docs:
• Deed of Assignment / Transfer of Rights (notarized)
• Assumption Agreement (notarized)
• Affidavit of Undertaking (to pay Pag-IBIG monthly in seller’s behalf)

⸻

📝PROSESO
1. Agree on terms – cash-out, who pays arrears, etc.
2. Notarize documents – assignment, assumption, affidavit.
3. Buyer pays monthly – directly to Pag-IBIG under seller’s name.
4. Seller issues receipts or written acknowledgment.
5. Secure proof of payments – always keep Pag-IBIG receipts.
6. Optional: Register “Transfer of Rights” with Barangay or HOA (if allowed).

⸻

⚠️IMPORTANT: LEGALLY BAWAL SA PAG-IBIG

Pag-IBIG does not allow unofficial “pasalo” or assumption of loan without formal application. It’s risky because:
• Loan remains under seller’s name
• Pag-IBIG can cancel the loan if violations arise

⸻

✅ PROTEKSYON SA BUYER
• Have notarized documents (Transfer of Rights, Affidavit of Assumption)
• Keep all Pag-IBIG receipts
• Ask seller for SPA authorizing you to transact with Pag-IBIG
• Optional: Put caveat/notice on title with lawyer

⸻

✅ PROTEKSYON SA SELLER
• Clear written and notarized assumption agreement
• Stated that buyer will continue paying monthly on their behalf
• Buyer waives right to refund if they default
• Optional: Require collateral or postdated checks

⸻

❗POSSIBLE ISSUE AFTER 30 YEARS (or end of the loan term)

If after 30 years (or end of the loan term) the buyer finishes the loan but the title is still under seller’s name and seller is missing or deceased:
• Buyer cannot transfer the title easily
• Must go through court or heirs of seller
• Notarized Deed of Assignment helps, but may still need court intervention

⸻

⚠️ CONS
• No title transfer until full payment + seller cooperation
• Buyer bears risk if seller becomes unreachable
• Seller still legally liable for Pag-IBIG loan
• Harder to resell without title

⸻

✅ PROS
• Lower cash-out
• Easy to start living in the unit
• Option for those who can’t yet qualify directly at Pag-IBIG

⸻

🔒 BEST PRACTICE

It is advisable and If possible, convert to formal Pag-IBIG loan assumption. Let the buyer apply with the developer or directly with Pag-IBIG to assume and transfer ownership legally.

⸻
It is me,
Broker Cielo Pagcaliwagan
Licensed Real Estate Broker
REB PRC 0020173
DHSUD 00795

01/01/2025

🏡𝗣𝗔𝗚𝗜𝗕𝗜𝗚 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻

🅕︎🅐︎🅠︎:

How many monthly PAGIBIG contributions is required to avail of a housing loan?

𝘼𝙣𝙨𝙬𝙚𝙧: To avail PAGIBIG Housing Loan you need to have at least 2𝘆𝗿𝘀 (24 𝗺𝗼𝗻𝘁𝗵𝘀) PAGIBIG contribution. If less than 24 months of the required monthly contribution, the borrower can pay in lump sum direct to the PAGIBIG office of the remaning months needed to complete the 24 months.

••••••••
𝗦𝘁𝗲𝗽 1: Choose a 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 OR your prefered 𝗟𝗼𝗰𝗮𝘁𝗶𝗼𝗻
••••••••

𝗦𝘁𝗲𝗽 2: Contact an ACE agent NOW.
••••••••
𝗦𝘁𝗲𝗽 3: Inform your agent of the following: 𝗽𝗿𝗲𝗳𝗲𝗿𝗲𝗱 𝗟𝗢𝗖𝗔𝗧𝗜𝗢𝗡, 𝗦𝗔𝗟𝗔𝗥𝗬 and 𝗕𝘂𝗱𝗴𝗲𝘁 𝗶𝗻 𝘁𝗲𝗿𝗺𝘀 𝗼𝗳 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗶𝗻 𝗠𝗢𝗡𝗧𝗛𝗟𝗬 𝗔𝗠𝗢𝗥𝗧𝗜𝗭𝗔𝗧𝗜𝗢𝗡. So that your agent can evaluate and recommend to you which 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 matches 𝘆𝗼𝘂𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝗰𝗮𝗽𝗮𝗰𝗶𝘁𝘆.
••••••••

𝗦𝘁𝗲𝗽 4: Schedule a 𝗧𝗿𝗶𝗽𝗽𝗶𝗻𝗴 or 𝗦𝗶𝘁𝗲 𝗩𝗶𝗲𝘄𝗶𝗻𝗴. You may ask any housing related questions to the agent or developer coordinator.
••••••••

𝗦𝘁𝗲𝗽 5: 𝗥𝗲𝘀𝗲𝗿𝘃𝗲 𝘁𝗵𝗲 𝘂𝗻𝗶𝘁
••••••••

𝗦𝘁𝗲𝗽 6: Comply given requirements by the developer.
••••••••

𝗦𝘁𝗲𝗽 7: The developer will be the one to process the 𝗣𝗔𝗚𝗜𝗕𝗜𝗚 housing loan for you.
••••••••

𝗦𝘁𝗲𝗽 8: Once 𝗔𝗣𝗣𝗥𝗢𝗩𝗘𝗗 by 𝗣𝗔𝗚𝗜𝗕𝗜𝗚.

𝓒𝓸𝓷𝓰𝓻𝓪𝓽𝓼 𝓲𝓷 𝔂𝓸𝓾𝓻 𝓷𝓮𝔀 𝓗𝓸𝓶𝓮 🏡
••••••••

But for NOW let us go back to 𝗦𝘁𝗲𝗽 2: 📲𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝗡𝗢𝗪 🧑‍💼👩🏻‍💼

07/09/2024

🧲Law of Attraction. i-Claim mo na..

🏡Hanap mo ay bahay❓

I can help you 💗

📲PM mo sa akin ang location na gusto mo at magkano ang hanap na budget sa monthly payment ng amortization.

✔️Then iPM kita to recommend kung saan pasok na project ang budget mo
📲

23/07/2024

𝗛𝘂𝘄𝗮𝗴 𝗣𝗮𝗹𝗮𝗺𝗽𝗮𝘀𝗶𝗻 𝗮𝗻𝗴 𝗜𝘆𝗼𝗻𝗴 𝗗𝗥𝗘𝗔𝗠 𝗛𝗢𝗠𝗘! 🏡

𝙋𝙞𝙘𝙩𝙪𝙧𝙚 𝙩𝙝𝙞𝙨 - Nakita mo na ang ideal na bahay—tama ang location, swak sa budget, at gusto mo na. Pero, paano kung maghintay ka pa at bukas, may ibang magpareserve na?

Bakit kailangan mong kumilos agad:

1. 𝗠𝗮𝗯𝗶𝗹𝗶𝘀 𝗠𝗮𝘂𝗯𝗼𝘀: Kapag magandang bahay at location plus good price, tiyak maraming may gusto nyan. Baka ma-reserve na ito ng iba kung magtatagal ka pa.

2. 𝗣𝗿𝗶𝗰𝗲 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲: Ang presyo ngayon, baka bukas hindi na abot kaya. Pataas ng pataas!

3. 𝗣𝗿𝗼𝗺𝗼𝘀 𝗮𝗻𝗱 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝘄𝗶𝘁𝗵 𝗧𝗶𝗺𝗲 𝗙𝗿𝗮𝗺𝗲 : Ang mga promos and discounts minsan limitado lang at may timeframe. Sayang ang chance kung hindi mo agad kuhanin!

💡 𝗛𝘂𝘄𝗮𝗴 𝗦𝗮𝘆𝗮𝗻𝗴𝗶𝗻 𝗮𝗻𝗴 𝗣𝗮𝗴𝗸𝗮𝗸𝗮𝘁𝗮𝗼𝗻: 𝙉𝙊𝙒 𝙣𝙖! Secure mo na ang bahay mo habang available pa!

Kung may questions ka o kailangan ng tulong, message mo lang ako.

𝘾𝙤𝙣𝙩𝙖𝙘𝙩 𝙢𝙚:




“Don’t wait to BUY REAL ESTATE, BUY REAL ESTATE and wait.” 💰

04/03/2024

FOR MANDATORY MEMBERS: 𝗠𝗮𝗴𝗸𝗮𝗻𝗼 𝗻𝗮 𝗮𝗻𝗴 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝘀𝗮 𝗣𝗔𝗚𝗜𝗕𝗜𝗚 𝗻𝗴𝗮𝘆𝗼𝗻𝗴 2024?

With Pag-IBIG's new savings rate in effect this February, see the table below to know your contribution based on the type of your membership.

REMEMBER, Your monthly Pag-IBIG savings can pave the way to owning your OWN HOME.

Plus your Pag-IBIG Monthly Savings earn dividends - this will be given back to you upon maturity as your "lump sum!" Ibig sabihin, bawat pisong hulog mo ay ipon na babalik sa'yo ng mas malaki! 🏠

𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝗮𝗱𝗼𝗻𝗴 𝗺𝗮𝗴𝗸𝗮𝗯𝗮𝗵𝗮𝘆 𝘁𝗵𝗿𝘂 𝗣𝗔𝗚𝗜𝗕𝗜𝗚 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻? 🏡
𝗧𝗮𝗿𝗮 𝗣𝗠 𝗺𝗼 𝗮𝗸𝗼, 𝗜 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂. 📲

27/02/2024

🏡NORTH GROVE HILLS
📍Sta Maria, Bulacan
🗓️Site Update: as of February 25, 2024

Few Units still available.

With 3 Single Attached Houses with Garage model to choose from.

Interested❓
📲PM/DM to inquire

09/02/2024

🚧Work in progress🚧 na ang amenities ng North Grove Hills sa Bgy Catmon, Sta Maria, Bulacan

▪️Available thru Bank and Pagibig Financing.
▪️With 3 Single Attached House Models to choose from.

Be at home with nature in Northgrove Hills, Bulacan! Here's a sneak peek of our 1.4-hectare tree park, where soon you will be greeted by fully grown trees and lush greenery. 🌳✨

Update: January 23, 2024

🔎For more project details, sample.computation.and request for project viewing

📲Contact/PM/DM

19/07/2023

𝗡𝗢𝗥𝗧𝗛 𝗚𝗥𝗢𝗩𝗘 𝗛𝗜𝗟𝗟𝗦
𝘚𝘪𝘵𝘦 𝘜𝘱𝘥𝘢𝘵𝘦 𝘢𝘴 𝘰𝘧 𝘑𝘶𝘭𝘺 1, 2023
1.4 Hectares 𝚃𝚁𝙴𝙴 𝙿𝚊𝚛𝚔 𝙲𝚘𝚗𝚜𝚝𝚛𝚞𝚌𝚝𝚒𝚘𝚗 𝙳𝚎𝚟𝚎𝚕𝚘𝚙𝚖𝚎𝚗𝚝

Located in 𝘽𝙜𝙮 𝘾𝙖𝙩𝙢𝙤𝙣, 𝙎𝙩𝙖 𝙈𝙖𝙧𝙞𝙖, 𝘽𝙪𝙡𝙖𝙘𝙖𝙣

𝗦𝘂𝗯𝗱𝗶𝘃𝗶𝘀𝗶𝗼𝗻 𝗔𝗺𝗲𝗻𝗶𝘁𝗶𝗲𝘀
▪️Community Clubhouse
▪️Children's Playground
▪️Basketball Court
▪️Swimming Pool
▪️1.4 Hectares Tree Park

Interested to own a unit in this subdivision to enjoy this amenities?

𝘾𝙤𝙣𝙩𝙖𝙘𝙩 us:
📲 Broker Cielo Pagcaliwagan
▪️Smart/Viber/Whatsapp
09296111185
▪️Globe
09150084536

🌿𝙈𝙖𝙜𝙖𝙣𝙙𝙖𝙣𝙜 𝙗𝙪𝙝𝙖𝙮 𝙢𝙜𝙖 𝙆𝙖-𝙃𝙖𝙣𝙖𝙥 𝘽𝙖𝙝𝙖𝙮🏡