Sir Levz

27/04/2026

𝐂𝐀𝐏𝐀𝐂𝐈𝐓𝐘 𝐓𝐎 𝐏𝐀𝐘

𝗬𝗼𝘂𝗿 𝗻𝘂𝗺𝗯𝗲𝗿𝘀: 𝗬𝗼𝘂𝗿 𝗖𝗔𝗣𝗔𝗖𝗜𝗧𝗬 𝗧𝗢 𝗣𝗔𝗬, at as a first time homebuyers importanteng alam mo ito.

𝗟𝗲𝘃𝘇 𝗗𝗲𝗳𝗶𝗻𝗲:

𝐂𝐀𝐏𝐀𝐂𝐈𝐓𝐘 𝐓𝐎 𝐏𝐀𝐘 - means kung gaano kalaki ang pwede mong i-Housing Loan, at ang monthly amortization na kaya mong bayaran consistently, nang hindi ka nahihirapan sa budget mo.

𝟑-𝐁𝐀𝐆𝐀𝐘 𝐍𝐀 𝐃𝐀𝐏𝐀𝐓 𝐀𝐋𝐀𝐌 𝐌𝐎 𝐓𝐎 𝐇𝐄𝐋𝐏 𝐘𝐎𝐔 𝐃𝐄𝐓𝐄𝐑𝐌𝐈𝐍𝐄 𝐘𝐎𝐔𝐑 𝐂𝐀𝐏𝐀𝐂𝐈𝐓𝐘 𝐓𝐎 𝐏𝐀𝐘

1. 𝐈𝐍𝐂𝐎𝐌𝐄

Sa pagibig financing ito ang 35% ng iyong gross monthly income, intended to cover your monthly amortization. Tandaan din na ang gross monthly income ay pinagsamang monthly basic pay at allowable allowances na regularly narereceive. Ngunit, hindi kasama rito ang overt time pay.

Example of allowable allowances (but not limited to):

Private Employed​
*MEAL Allowance
*TRANSPORTATION Allowance
*RICE Allowance
*C.O.L.A.
*others…

Government Employed
​​*P.E.R.A

𝗜𝗕𝗜𝗚 𝗦𝗔𝗕𝗜𝗛𝗜𝗡, 𝗧𝗛𝗘 𝗛𝗜𝗚𝗛𝗘𝗥 𝗧𝗛𝗘 𝗜𝗡𝗖𝗢𝗠𝗘, 𝗧𝗛𝗘 𝗛𝗜𝗚𝗛𝗘𝗥 𝗜𝗦 𝗧𝗛𝗘 𝗖𝗔𝗣𝗔𝗖𝗜𝗧𝗬 𝗧𝗢 𝗣𝗔𝗬.

2. 𝐀𝐆𝐄 𝐨 𝐄𝐃𝐀𝐃

Kung sa income ay tinitingnan natin ang 35% ng iyong gross monthly as basis amount ng capacity to pay. Your age o edad ay nagdedetermine naman ng iyong payment term o ng haba ng panahon to pay your housing loan.

Habang nagkaka-edad tayo ay umiikli rin ang ating payment term, dahilan kaya tumataas ang monthly amortization, at required monthly income.

Ibig sabihin that the longer the terms, the lower the monthly amortization, and the shorter the term the higher the monthly and the required income.

3. 𝗜𝗡𝗧𝗘𝗥𝗘𝗦𝗧 𝗥𝗔𝗧𝗘

At kung madalas ay nakatuon lng tayo sa amount ng housing loan. Ang interest rate ang magsasabi kung magkano ang magiging monthly amortization computed based sa loan amount at applicable payment terms.

Kadalasan, na mas mababang interest rate means, mababang monthly, mababang required income o mas mataas na loanable amount.


Kaya naman kung kukuha ka ng housing loan ay dapat alam mo ang iyong capacity to pay. At tandaan mo na…

𝟭: 𝗬𝗢𝗨𝗥 𝗜𝗡𝗖𝗢𝗠𝗘 𝗗𝗘𝗧𝗘𝗥𝗠𝗜𝗡𝗘𝗦 𝗛𝗢𝗪 𝗠𝗨𝗖𝗛 𝗬𝗢𝗨 𝗖𝗔𝗡 𝗟𝗢𝗔𝗡 𝗔𝗡𝗗 𝗬𝗢𝗨𝗥 𝗠𝗔𝗫𝗜𝗠𝗨𝗠 𝗠𝗢𝗡𝗧𝗛𝗟𝗬 𝗔𝗠𝗢𝗥𝗧𝗜𝗭𝗔𝗧𝗜𝗢𝗡.

𝟮: 𝗬𝗢𝗨𝗥 𝗔𝗚𝗘 𝗗𝗘𝗧𝗘𝗥𝗠𝗜𝗡𝗘 𝗬𝗢𝗨𝗥 𝗣𝗔𝗬𝗠𝗘𝗡𝗧 𝗧𝗘𝗥𝗠.

𝟯: 𝗜𝗡𝗧𝗘𝗥𝗘𝗦𝗧 𝗥𝗔𝗧𝗘, 𝗗𝗘𝗧𝗘𝗥𝗠𝗜𝗡𝗘𝗦 𝗬𝗢𝗨𝗥 𝗠𝗢𝗡𝗧𝗛𝗟𝗬 𝗔𝗠𝗢𝗥𝗧𝗜𝗭𝗔𝗧𝗜𝗢𝗡

25/03/2026

Kung gusto mo na ng RENT NO MORE at MAKALIPAT agad sa sarili mong bahay, RFO Unit might be for you!

𝟓 𝐓𝐫𝐮𝐭𝐡𝐬: 𝐖𝐡𝐲 𝐑𝐅𝐎 𝐔𝐧𝐢𝐭𝐬 𝐢𝐬 𝐚 𝐌𝐮𝐬𝐭 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭

Let’s simplify it… RFO o Ready For Occupancy, means 𝘾𝙊𝙉𝙎𝙏𝙍𝙐𝘾𝙏𝙀𝘿 na ang bahay and 𝙍𝙀𝘼𝘿𝙔 𝙏𝙊 𝙈𝙊𝙑𝙀-𝙄𝙉 once Approved ang Home Loan mo.

𝐍𝐨.𝟏: 𝐔𝐧𝐢𝐭𝐬 𝐚𝐫𝐞 𝐁𝐮𝐢𝐥𝐭 & 𝐑𝐞𝐚𝐝𝐲

- With RFO, units are CONSTRUCTED and viewable. During Site Tripping Actual Units are presented & you can inspect the Exterior and Interior before reservation.

𝐍𝐨.𝟐: 𝐍𝐨 𝐭𝐨 𝐋𝐨𝐧𝐠 𝐖𝐚𝐢𝐭𝐢𝐧𝐠

- Dahil RFO o nakatayo na ang unit ay hindi ka na maghihintay ng schedule ng unit construction. Perfect for families na gustong makalipat agad o umalis sa pag-rerenta. At mas mabilis na din ang downpayment at kadalasan ay may “𝗦𝗽𝗼𝘁 𝗖𝗮𝘀𝗵 𝗗𝗼𝘄𝗻𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗢𝗽𝘁𝗶𝗼𝗻”.

𝐍𝐨.𝟑: 𝐑𝐞𝐭𝐮𝐫𝐧 𝐎𝐧 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭

- Sa RFO units ay mas mabilis mong magagamit ang property. Pwede mo nang matirahan o ipa-rent-out para magkaroon ng Additional Income o Self-Liquidating ang property. Suits true if you plan to have a Rental Business.

𝐍𝐨.𝟒: 𝐕𝐢𝐬𝐢𝐛𝐥𝐞 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲

- During RFO site tripping, project features like amenities are ready and usable, and mas kampante ang home buyers dahil nakikita na nila ang Condition ng Paligid, Neighborhood, at ng Community.

𝐍𝐨.𝟓: 𝐐𝐮𝐢𝐜𝐤 𝐋𝐨𝐚𝐧 𝐏𝐫𝐨𝐜𝐞𝐬𝐬𝐢𝐧𝐠

- Sa RFO units ay mas mabilis ang processing ng home loan, mas maikli kumpara sa regular processing time over 6 months, dahil readily available ang homebuyers at developers requirements para sa Loan Approval either Pagibig or Bank.

Kaya, kung gusto mo ng bahay na pwede mo nang lipatan agad, RFO might be the perfect choice for you, It offers:

1. Built And Ready Units,
2. No Long Time Of Waiting,
3. Fast Returns On Investment,
4. Visible Na Ang Community
5. Quick Home Loan Process.

19/03/2026

𝟓-𝐓𝐑𝐔𝐓𝐇𝐒 𝐖𝐇𝐘 𝐘𝐎𝐔 𝐒𝐇𝐎𝐔𝐋𝐃 𝐈𝐍𝐕𝐄𝐒𝐓 𝐈𝐍 𝐏𝐑𝐄-𝐒𝐄𝐋𝐋𝐈𝐍𝐆 𝐏𝐑𝐎𝐏𝐄𝐑𝐓𝐈𝐄𝐒

#𝟏 – 𝐋𝐎𝐖𝐄𝐑 𝐓𝐎𝐓𝐀𝐋 𝐏𝐑𝐈𝐂𝐄 𝐎 𝐓𝐂𝐏
-Introductory o Base Price pa lang ang presyo ng property
-More Affordable

#𝟐 – 𝐅𝐋𝐄𝐗𝐈𝐁𝐋𝐄 𝐏𝐀𝐘𝐌𝐄𝐍𝐓 𝐓𝐄𝐑𝐌𝐒
-Payable on Installment Payment Terms
-No outright Big Cash Outlay.
-Downpayment payable for a Longer Period, (12 - 24 months payable)
-Magaan ang Monthly

#𝟑 – 𝐏𝐑𝐎𝐏𝐄𝐑𝐓𝐘 𝐀𝐏𝐏𝐑𝐄𝐂𝐈𝐀𝐓𝐈𝐎𝐍 𝐕𝐀𝐋𝐔𝐄.
-Increase in market value as the property development progresses.
-Property Value on average ay nag-increase 10-15% yearly.
-Bago maturnover ang unit mo ay mataas na ang re-sale value

#𝟒 – 𝐖𝐈𝐃𝐄𝐑 𝐂𝐇𝐎𝐈𝐂𝐄𝐒 𝐎𝐅 𝐔𝐍𝐈𝐓𝐒.
- More options in terms of location, layout, at mas magandang unit na pasok sa hinahanap mo

#𝟓 – 𝐓𝐈𝐌𝐄 𝐓𝐎 𝐏𝐑𝐄𝐏𝐀𝐑𝐄 𝐅𝐈𝐍𝐀𝐍𝐂𝐈𝐀𝐋𝐋𝐘
-Dahil mas mahaba ang time to pay the downpayment, ay may time ka to prepare para sa
financing ng home loan and other housing expenses.

Kaya naman bottomline maraming smart first-time home buyers ang pinipili bumili ng pre-selling
properties — dahil sa:

-𝗔𝗙𝗙𝗢𝗥𝗗𝗔𝗕𝗜𝗟𝗜𝗧𝗬,
-𝗙𝗟𝗘𝗫𝗜𝗕𝗜𝗟𝗜𝗧𝗬 𝗢𝗙 𝗣𝗔𝗬𝗠𝗘𝗡𝗧 𝗧𝗘𝗥𝗠𝗦,
-𝗩𝗔𝗟𝗨𝗘 𝗔𝗣𝗣𝗥𝗘𝗖𝗜𝗔𝗧𝗜𝗢𝗡,
-𝗪𝗜𝗗𝗘𝗥 𝗖𝗛𝗢𝗜𝗖𝗘𝗦/𝗢𝗣𝗧𝗜𝗢𝗡𝗦 𝗮𝗻𝗱
-𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗣𝗥𝗘𝗣𝗔𝗥𝗘𝗗𝗡𝗘𝗦𝗦.

16/03/2026

𝟑-𝐂𝐨𝐦𝐦𝐨𝐧 𝐖𝐚𝐲𝐬 𝐭𝐨 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐚 𝐇𝐨𝐮𝐬𝐢𝐧𝐠 𝐋𝐨𝐚𝐧

1. 𝐏𝐚𝐠-𝐈𝐛𝐢𝐠 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠
- kadalasang pinipili ng First-Time Home buyer, mga locally employed at OFW
- Mas mababang interest rate 5.75-9% depende sa re-pricing term.
- Longer Pay Term up to 30 Years
- Magaan na Monthly Amortization

2. 𝐁𝐚𝐧𝐤 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠
- Pinipili ng mga Higher Monthly Income
- Mas mataas na Housing Loan Value of over 6M HLV
- Fast Approval compared to Pagibig
- Competitive Interest 6.5-8%
- Pay term up-to 20 years

3. 𝐈𝐧-𝐡𝐨𝐮𝐬𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠
- Fastest and Easy Approval
- Direct Loan to the Developer
- Fewer Requirements
- Higher Interest Rate
- Shorter pay term up to 5-10 years

16/03/2026

17/02/2026

What a Holiday Spent Visiting the Project Le Moubreza Ph.2 that Does Not Only Offer The best Investment Option but Also a Scenery and Experience to be next to the Enchanted and Beautiful Mt.Makiling in Sto.Tomas, Batangas.

With my friend Riza a prc and dhsud accredited real estate salesperson.

PM Us for More Infos 😊

31/12/2025

𝐇𝐚𝐩𝐩𝐲 𝐍𝐞𝐰 𝐘𝐞𝐚𝐫! 𝐖𝐞𝐥𝐜𝐨𝐦𝐞 𝟐𝟎𝟐𝟔!
𝐂𝐡𝐞𝐞𝐫𝐬 𝐭𝐨 𝐚 𝐍𝐞𝐰 𝐘𝐞𝐚𝐫, 𝐍𝐞𝐰 𝐇𝐨𝐦𝐞𝐬, 𝐚𝐧𝐝 𝐞𝐧𝐝𝐥𝐞𝐬𝐬 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐢𝐞𝐬 𝐚𝐡𝐞𝐚𝐝! 🏡🥂