Mers Cozy Homes in Ormoc City

23/01/2022

Are you an OFW whose main goal is to acquire a home? But cannot decide to?

Some people often refuse to invest on preselling projects because their main concern is "we haven't seen it" or "we want to move in as early as 1year"

Are you aware that the best time to invest is on pre selling stage? See the logic of the photo to analyze the main reason and to answer your "WHYs"👇👇👇👍👍👌👌

19/06/2021

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.

That's based on my experience and based sa sabi ng staff sa pagibig. If you have other tips, please share it. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang. God bless mga kapitbahay. 😁





Please visit the nearest PAG IBIG office
in your locality to address your concerns. 🙂
Kasi iba iba po yung cases natin. Thank you!

25/05/2021

15/05/2021

FEW TIPS IN BUYING PROPERTIES:

■ 1. Buy @ pre-selling stage. Makapili kapa ug tarung nga location, dili pinilian, niya 20-30% cheaper pa.

■ 2. Go for long term (like 30yrs to pay). So if in case you have financial problem your monthly is not high. Anyway you can pay lump sum anytime to make the term short and to lower the interest rate.

■ 3. Avail of 1-3yrs fixed interest rates (6%). Don't go for fix for 30yrs (10%). It has lower interest rates.
Here's the difference:
Ex: Loan is 1million (30yrs to pay)
3yrs fix @ 6% interest rate (5,995/mo for 30yrs)
30yrs fix @ 10% interest rate (8,775/mo for 30yrs)

■ 4. Pay the downpayment in installment basis.

Don't pay the whole amount in cash. Use your money to where it can make more money. Don't let it SLEEP.

HUDCC -A-04/21-6273
Valid until 31/12/2021

18/02/2021

📌Think like RICH people

Invest🏠Invest🏠Invest🏠

12/02/2021

👉A very important reminder..

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 “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.

✅ 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.

✅ 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.

Public service lang po 🙂. Ang estate tax clearance po is NON-NEGOTIABLE. Kailangan talaga syang e file at bayaran whether you like it or not, pag namatay ang owner na nakalagay sa title.

20/08/2020

A single attached house & lot in Ormoc City..
Affordable yet it's a house you can truly call HOME..
Interested?
PM is the 🔑...

17/12/2019

‼PROMO‼PROMO
👉8K Reservation
👉7k/Month Equity for 5 months

📛Name of Project: DECA HOMES ORMOC- SF
📛Location: Brgy. Concepcion, Ormoc City

🦚Landmarks/Accessibility:

🏡• 9 mins. From Robinsons Place Ormoc to Deca Homes Site
🏡• 12 mins. From Ormoc Terminal to Deca Homes Site
🏡• 15 mins. From Eastern Visayas State University to Deca Homes Site
🏡• 15 mins. From SM Center Ormoc to Deca Homes Site

🦚Transportation Details:

🏡• Tricycle/jeep from the subdivision going to Ormoc City Proper
🏡• Tricycle going to malls, hospitals and schools

🦚PROPERTY DETAILS/FEATURES:
✅2 bedroom
✅1 toilet and bath
✅Dining area
✅Living area
✅Garage

🦚🦚AMENITIES
✅Clubhouse
✅Children’s Playground
✅Basketball Court
✅Entrance Arch
✅Gated And Landscaped Entrance
✅Guardhouse And 24/7 Security
✅Cctv Camera Along Main Entrance And Exit
✅Street Light

16/10/2019

DATA-DATA NA BALAY UG YUTA SA ORMOC CITY‼️

Affordable na gani, Data-data pagyud‼️ 😱 😱
Lig-on, nindot, ug duol ra sa syudad ❗
Tanan nimong gipangita, dia na sa BRIA HOMES ORMOC❗🤩 💯

Flexible ang financing scheme kay pwede ipaagi sa Pag-ibig or sa Banko! WALA PAJUY HASOL kay Bria na ang mag process sa loan! ✍️👌

Sayon nalang kaayo magka balay ug yuta pinaagi sa Bria Homes Ormoc❗😍

Sa ubos nga presyo nga 1,897 kada buwan, aduna kanay kaugalingon na BALAY UG YUTA sa usa ka EXCLUSIVE SUBDIVISION❗

O tawag na sa
📱 0906 9714113 🌐
📱 0932 5193269 ☀

11/10/2019

🏠 Ang subdivision nga ikaw ang mopili kanus.a nimo mapuy.an....🏠

💥PROMO 💥PROMO
8k reservation...

0906-9714113 🌐
0932-5193269 ☀
PM me for more details
PRC Lic #0014187