About Us

When I started buying and selling foreclosed properties, we learned that it can get quite complicated, problematic, very costly, and full of regrets. But it doesn’t have to be.

Because of this, we decided to share what we learned to help people avoid the common problems and mistakes related to foreclosed properties in the Philippines.

We document our experiences and lessons learned from the foreclosed properties we purchased, and also the real estate transactions of our friends and clients (when we were still active real estate brokers) where we were involved as partners and/or brokers.

Jay Castillo

jay castillo author bio training area

Hi, I’m Jay Castillo. I experienced a lot of challenges when I started with foreclosed property investing. Thanks to mentors, friends, and a lot of patience, I was able to overcome most of those challenges.

Because of real estate, I was able to quit my job from the corporate world (I was an I.T. professional back then).

The journey continues, and through this blog, I’ll share the lessons I have learned along the way.

How I got started

Here’s a short video of how I got started with investing in foreclosed properties (and my first foreclosed property purchase):

YouTube video

~~~

Why I got started with foreclosed real estate investing

I was an Information Technology professional before I decided to go full-time with real estate investing and internet marketing.

Way back in 2006, a year after reading the book “Rich Dad Poor Dad” by Robert Kiyosaki, I wanted to quit my job. However, it took me 4 more years before I actually did. I decided to get out of the rat race when I suddenly realized that my job was literally killing me. At such an early age, I was diagnosed with hypertension with no underlying reason. I believe it was caused by severe stress from my work.

I was an I.T. Manager back then, but by default, I was also the Oracle Database administrator/developer, Information Security Manager/Network Specialist/Server administrator, and Helpdesk Staff (we lacked manpower pretty bad, and this actually lasted for more than 3 years).

rat race

This image from richgrad.com best describes how I felt back in the rat race!

With the scenario above, is it any wonder why I wanted to get out of the rat race?! At the back of my mind, I knew that there was more to life than just being an employee that was grossly overworked… for what?! This sustained my passion and desire to venture into real estate investing, and later into internet marketing.

My real estate broker credentials

I reviewed for and passed the November 2007 Real Estate Brokers Exam which was still under the Department of Trade and Industry (DTI) back then. My DTI Real Estate Broker License # is REB-NCR20056(N)-08.

As of March 29, 2011, my application for registration without examination has been approved by the PRBRES and I am now a PRC licensed real estate broker with Real Estate Broker License No. 3194.

To verify that I am a PRC licensed real estate broker, you may use the following procedure:

  1. Visit the “Verification of Professional Licenses” page at PRC’s website: https://online.prc.gov.ph/Verification
  2. Use the “Search by name” option
  3. From the list in the “Profession” box, select REAL ESTATE BROKER
  4. On the “First Name” box, enter JOSE DIONISIO
  5. On the “Last Name” box, enter CASTILLO
  6. Click on the orange “Verify” button
  7. The verification result will be displayed

You should see something like this:

PRC Verification of Professional Licenses page

Tip: You can also use the same procedure above to verify the license of other real estate brokers!

I started this blog last October 31, 2008

When I started this blog, I was more focused on acquiring investment properties that generate passive income through foreclosed real estate investing. My goal then was to surpass my passive income goal before the end of 2009, and then I shall “retire” from active employment and go full-time with my advocacy.

This was exactly what I did, although it came a bit late. I was only able to “retire” from active employment by the end of January 2010. I was late by about a month but I don’t mind that one bit!

Now I’m more active as a real estate broker, although I’m still on the lookout for good deals and opportunities.

I’m currently focusing on buying foreclosed properties for myself, which means I have stopped with brokering properties for now.

The journey continues…

Financial Literacy

I advocate financial literacy as a means to a worthwhile end: becoming financially free!

After one becomes financially literate, the next logical step would be to find other income streams, ideally, the passive ones.

Obviously, one way to do this would be through investing in foreclosed properties in the Philippines.

Why bother to become financially free? To live life to the fullest! Ask yourself, what would you do if money was no longer an issue? Think about it!

Real estate investing for real in the Philippine setting

Another advocacy of mine is to help fellow beginning or newbie real estate investors to succeed with real estate investing here in the Philippines. I do this by sharing what I have learned based on actual experience.

My Goal

In a nutshell, my mission is to be financially free with the ultimate purpose of helping people and my community. My goal is to make a positive difference in the lives of people around me, no matter how small that may be.

The only way I can do this is to share the lessons I myself have learned in my journey to financial freedom. After all, one cannot give what he does not have. I hope to help as much people as I can who are in the same journey.

My Vision

In the perfect world that I envision, I can see a lot of people who are truly rich and financially free. Would you want to be part of that world?

Cherry Castillo

cscastillo

Atty. Cherry Vi M. Saldua-Castillo

Cherry handles the legal aspects and taxation of our real estate transactions. She combines her vast experience gained during her stay at SGV & Co. and expertise from more than a decade of hands-on real estate experience.

She is a Licensed Real Estate Broker (PRC Real Estate Broker License No. 3187) who placed 4th in the March 2011 Real Estate Brokers Licensure Exam. She’s also a Licensed Real Estate Appraiser (PRC Real Estate Appraiser License No. 6918) who placed 8th in the August 2015 Real Estate Appraisers Licensure Exam.

She’s also a CPA-Lawyer (Roll of Attorneys No. 55239, PRC CPA License No. 0102054).

She is the president of the Real Estate Brokers Association of the Philippines, Inc.-Las Pinas, Muntinlupa, and Paranaque Chapter (REBAP-LMP) for 2021-2022. She was awarded “Most Outstanding Chapter President” for 2021.

About the blog

I started this blog as a tool to help me in my real estate investing activities. In this blog, I have all my foreclosed property listings and important websites online, so I have no more clutter and lost clippings of foreclosed properties at home. Old listings are archived and can be accessed as needed … Click here to learn more how the blog started…

Why did I choose the domain foreclosurephilippines.com?

I often get the question “Why foreclosurephilippines.com”? It sounds too negative! It’s like I want to foreclose the whole Philippines. This of course is not true.

I simply chose the domain foreclosurephilippines.com for search engine optimization (SEO) purposes. A lot of people are actually searching for these keywords using Google, which is probably why a lot of people end up on this site!

ForeclosurePhilippines.com runs on the self-hosted Wordpress blog platform and is powered by the Thesis Genesis Framework OceanWP Generatepress Astra wordpress theme. Our hosting is provided by Dreamhost Hostgator Siteground Kinsta WPX BigScoots and I got the domain from GoDaddy.

By the way, I was able to register foreclosurephilippines.com last April 1, 2009, although it took a day before everything got transferred successfully from foreclosedrealestate.blogspot.com.

What we do, why do we do it?

My goal here is to make investing in real estate in the Philippines a bit easier for fellow real estate investors out there. At the very least I want to help make it easier for people to find all available listings of foreclosed properties out there.

At the same time, I want to share real life lessons learned from the trenches, the things you will learn for yourself if you do decide to go out there and invest in foreclosed properties here in the Philippines.

I am not a real estate guru!

I still see myself as a newbie real estate investor, believe it or not, and I don’t claim to be a guru! I still have a lot to learn, who doesn’t?

Without the hype and B.S.

I would like to paint a realistic picture of how this can be done without the hype and B.S… period! After all, investing in foreclosed properties is not a get rich quick scheme!

Raising hope without giving false hope

I keep on saying that real estate investing might be simple, but it is not easy. No, I am not trying to discourage anyone out there, I just want everyone to manage their expectations. It can be done but it would take a lot of hard work and perseverance, at least at the very start.

Even if one is able to create passive income streams, there is still such a thing called maintenance and management of one’s business, which in this case is real estate investing.

I would like to point out that there really is hope that real estate investing can lead to financial freedom, but you have to pay the price. I would not want to give any false hopes that you can achieve success in real estate investing overnight. You need to plant before you can harvest, there are no shortcuts.

Investing in real estate ethically, morally, and legally

I truly believe that we can all invest in real estate in an ethical, morally upright, and legal way. We can do this without taking advantage of other people, and this is the only way for long term success.

Paying it forward

I simply believe that this is the right thing to do. I guess this is my way of paying it forward to all newbie real estate investors out there. A lot of people helped me along the way, and I want to do the same.

You are not alone

If you are new to real estate investing in the Philippines, I just want to let you know that yes, it can be done, and you don’t have to do it alone, because you are not. You are welcome here, enjoy your stay!

Here’s to our success and financial freedom!

Jay Castillo
Real Estate Investor
PRC Real Estate Broker License # 3194

Text by Jay Castillo. Copyright © 2008 – 2025 All rights reserved.

Image source: Richgrad.com

PS. If you are a new visitor, please start here to learn more about foreclosure investing in the Philippines.

PPS. If you feel that anyone else you know might benefit from the contents of ForclosurePhilippines.com, please do share this to them and don’t forget to remind them to subscribe to e-mail alerts and get notified of new listings of bank foreclosed properties, public auction schedules, and real estate investing tips.

ForeclosurePhilippines.com is owned and operated by Jay Castillo under True North Online Marketing Services.

446 thoughts on “About Us”

  1. Cecil Sardoncillo Gonzalgo

    hi sir jay…ask ko lang po kung halimbawa ang unit/property na nainquire to bfs ay nakarecord sa system nila as for evection na yung nakatira…ano po ba possible don sir, talagang maevect po sila in a certain time? or pd po ba ako visit personally sa bfs office para marequest to facilitate ang evection process…pano po kaya gawin ko sir?….please i need your opinion, kc interested po kmi sa property….thanks po…godbless…

  2. Good afternoon!

    Mr. Rey,

    I just wanna ask regarding for this lot I’m interested actually, is this house and lot, how much do we need to provide the cash and it that possible Na gamitin namin yung pag ibig to buy this house and lot or pano po ang bayaran if ever?

    Tnk u and regards!

  3. Mr. Jay i just want to ask ung nakuha po ng brother ko seaman po ksi xa and npatagal ang bakasyon nya ndi po nya nhulugan ng 11 mo ung bhay nya may tumawag po pagibig last friday and sabi po nya kailngn mabayaran ang 300k ng monday or else ifoforeclose po nila ung tirahan nmin nkiusp po kmi na pgbgyan kmi khit 1 mo para maproduce nmin ang pera but then ndi po sila pumayg .. Im requestng 4 a promissory note muna since nkaline up n po xa mkasakay ulit pero d po sila pumayag gnito n po b khigpit at manggipit ng tao ang pagibig .. Imomove n daw po nila sa legal ang case para ipadlock ang bhay nmin

    1. I’m sorry to hear your brother’s situation pero may pag-asa pa po yan. May 1-year redemption period pa po, at sa pagkakaalam ko po, hindi nila pwede ipadlock bahay niya during that period.

  4. Sir Jay,
    I hope you will start a focused online listing-buying-leasing real estate exchange site like that of bahay.ph, mypropety.ph, philippinerealestatemls.com, ahyer.com, homes.point.com – yung pang-real estate lang. Then make it more generous by not putting a price tag on every spot or section of the site. Your blog has become one of the top blogs inspite of it being free! Generosity has its just rewards. You can replicate this excellent service in the property exchange activity. Just expressing an opinion.
    Gil Banaria

    1. Hi Gil,

      Thanks a lot for the kind words. Actually we have this in our pipeline, but there is no definite date yet when the site will be ready for public use.

      For sure we will announce it here when it’s ready. Thank you so much Gil!

  5. Sir, I would like to ask something about certain agreement that mentioned about a property we are going to apply as bank financing . I would like to discuss this thru email…

  6. Hi Mr. Jay,
    Good day.
    My distant relative is staying in Bagong Silangan, Sitio Veterans in Quezon City for quite sometime now, he was actually well known in the area because he used to be a Kagawad there, when I last talked to him, he was offering me a property in that area, it’s a vacant lot, which the owner is selling.
    I am interested to buy the said property but then, the property has no title.
    The property has been for sale for 10 years if I’m not mistaken.
    The said lot was not yet subdivided and was supposed to given to the veterans, hence there was no title.
    How can I purchase the property legally even without the title of the lot?
    Is it possible in the first place?
    I’m looking forward to hear your sound advice.
    Thank you in advance.

  7. Hi Sir Jay

    I’m a new player in this forum and planning to buy a property near bulacan or cavite area for investment purposes, however, my budget is only around 500k. In this scenario, I need a good advice for property investment Sir Jay? Thank you

  8. Sir, good day po,
    do you have alist of properties which is absolutuely not occupied by the previous owners?
    This is one of my fears in acquiring forclosed properties,
    thank you.

  9. Hello Mr. Jay,

    I would
    like to know if you can refer me to a group of reputable people who
    pool their funds and purchase multiple units of properties as a source
    of passive income to the investors.

    Co-ownership of properties exist in Singapore where I currently work. An example is http://www.pipholdings.com.
    They simply pool their funds together to purchase multiple units of
    properties. They do buy-and-hold, flipping, and rental. It brings them
    great amount of rental income on a monthly basis. The members are able
    to purchase several units with a budget that’s not enough to purchase
    one unit!

    I believe we should do this as well in the Philippines.
    I would like to be a real-estate investor.

    Thank you for reading my letter.

    God bless!

    Aldrin Ginete

  10. Clemente Tan Si

    hi sir jay,

    my grandmother’s property in nueva vizcaya solano is for sale, 856sqm rush po baka may interested po.. pwede makita sa OLX ang picture.. ytpe lang ang house and lot solano for sale

  11. sir im interested to buy a foreclose housed at camella lawaan talisay… where can i ask about this property?

  12. Hi, Jay, I have seen title for sale awarded by the President and there is a note on title that says
    Note: |This lot is covered by Free Patent Application no. xxxxx. What does it mean? Can I you buy it? what are the repercussions

  13. Dear Jay, we want to sell our Mediterranian Style house (150sq m) and lot (236 sqm.) property (2009 built), clean title, in St. Charbel Executive Village in Dasmarinas, Cavite near SM Dasmarinas Cavite, 100% flood-free. My parents want to move to the province. Can you help ? Any recommendation ?

  14. Hi Jay, I was looking for a copy of a Phil contrac for selling some properties and I saw your website, right now I’m trying to sell about 3796 sq meters located in Cebu and right now we have 9 tenants (that are not paying rent) on this property that are willing to buy and subdivide this among themselves, I’m trying to get an idea how I’m going to do it, I’m located overseas but I have someone in Cebu to take care of the selling, but anyway, the tenants would like to pay it within a year, and willing to put down 30% at signing of the agreements and 2 more payments before the 1 year. I would very much appreciate if you can give me any suggestions. and how I would do this. Thanks in advance.

  15. Hi Jay,
    I’m currently residing in Putatan, Muntinlupa, One ride from South green heights. I first read your blog just yesterday and got inspired to read books for financial literacy. I want to acquire a house so I attended a tripping in Cavite, I felt exhausted kasi ang layo nya from Makati. I still love Muntilupa. We rent our house at 5k a month. I don’t have any idea how to acquire foreclosed property. Please help. I am very interested to buy a affordable house here in Muntinlupa.

  16. Sir marami salmat po sa reply..ay ganun po baun kaht na sa amin un bahay at hawak namin ang titulo eh pede ipaauction ng bir?wala po 
    Bang notice na darating sa amin?at mga ilan yrs po ba bago nasasabing tax delinquent properties for public auction?pasensya na po at tlgang wala po ako alam malaking tulong po ang katulad nio sa amin mga naguumpisa pa lang,maraming salamt po ulit!

  17. Sorry everyone, I need to focus on finishing the members area and updating the database, so I will not be handling any foreclosed property inquiries for now (I will start removing my number in all remaining listings that include me as the broker). Other listings are direct to the seller, so please contact them directly. For Buena Mano properties, please contact my wife Cherry at 9662541/09178568573. Thank you.

  18. DIONISIO REATE RAPELO

    sir jay for your blog i saw the foreclosed property REF. NO. AN-1781034 690K, and AN-1923416K 440K please kindly help me for the said unit.. I eligible to loan for PAG IBIG FUND and currently I’m in SAUDI ARABIA.. please kindly advise us my contact details 00966544148245 and roaming 00639472393756 ALSO SEND to my personal mail jonel1226@yahoo.com my COMPLETE name DIONISIO REATE RAPELO..

  19. Remcel Jugarap

    hi sir Jay, i just wanted to know where your office is so that i can inquire personally about the properties you were selling. Tnx

  20. Hi Jay, would like to ask your opinion re Special Power of Attorney. It was executed and notarized in the Philippines authorizing me to handle sale of my relative’s property based abroad. The document was done here in the Philippines during their brief stay in Manila. Documents submitted as attachment for notarization was a US passport and driver’s license. My question is if the SPA was notarized and executed here, is it acceptable if IDs attached are not issued in the Philippines but issued abroad? The SPA indicates owner’s address is in the Philppines.

  21. Hi jay
    I want buy ps bank forceclose properties. Could u admit me get Max discount and best term and condition.

  22. Arnilyn Salunga

    gud am rey, may nagustuhan akong bilhin na unit sa la poblacion 1 sa bulacan blk43 lot 42 magkano kaya ang total appraisal nya.

  23. Hello po.my gsto lang po aq itanong pano po ba yung bahay at lupa namin na gusto namin ibenta nabili po namin 15 yrs.ago pro d po km nakakapagbayad ng tax ng bahay amilyar lang po..anu po ba dapt gawin?anu po ba ung tenyears back tax na sinasabi at panu po inaapply un?

    1. Hi Ms. Lyn, pumunta na po kayo agad sa assessors office para makakuha ng Statement of account(SOA). Yung 10 years back taxes po ang total na taxes plus penalties and surcharges. Bayaran niyo napo agad bako masama bahay niyo sa tax delinquent properties for public auction.

      1. Sir marami salmat po sa reply..ay ganun po baun kaht na sa amin un bahay pede ipaauction ng bir?wala po Bang notice na darating sa amin?at mga ilan yrs po ba bago nasasabing tax delinquent properties for public auction?

      2. Sir marami salmat po sa reply..ay ganun po baun kaht na sa amin un bahay pede ipaauction ng bir?wala po 
        Bang notice na darating sa amin?at mga ilan yrs po ba bago nasasabing tax delinquent properties for public auction..hihingi lng po ba km ng statement of account sa assesors office at pg nabayaran na ba eh maaaus na po ba?pasensya na po at wala tlga kmi kaalm alam sa ganitokya malaking tulong po kau sa mga katulad namin wg po sana kau mgsawang magturo sa mga nangangailangan salamat po at god bless!

  24. Sir Im a ME by profession and i wish i can venture to real estate,may i ask if you have the online homepage of any real estate review center in iloilo city.Currently im here abroad but i wish to come home before the start of review for 2015 real estate exam.thanks in advance.

    1. Hi Kf, we’ll publish a compilation of review centers once providers start publishing their schedules for the 2015 real estate brokers exam. They usually start at September.

  25. Hi Jay,

    I’m looking for investments jan sa Pinas and am interested in an agri land.. what are requirements and maintenance issues for that.. FYI I’m a newbie on properties esp sa Pilipinas.
    Thanks!

  26. Laila Dee Capistrano

    Hi Jay, I’m searching about Property Tax Amnesty in Manila, when I saw your ForeclosurePhilippines.com. I read a lot which makes me interested. I’ll keep in touch w/ you through email. BTW, do you think the RPTax amnesty in Manila will be granted this year?? Laila

  27. Hi Jay, thank God for very informative articles you wrote here. It really gave me some knowledge regarding properties and I would like to ask a question about where do we get market value of a property particularly residential land in cavite we would like to sell? Is there a website we could go to? Hope that you could give us some answers. More power and God bless.

  28. Hi Jay! I have a lot purchased payable in 10 years. How would i know if the developer selling it is legal and the property is true. although we have tripping and show me exactly where the land is I still really want to know if it is true and nt bogus only. Please help..thank you

    1. Hi Issa, the first thing you should check is if the developer has a License To Sell issued by the HLURB. Just go to http://www.hlurb.gov.ph and search for it there. Let us know if you find it so everyone here knows they are legit. Thanks!

  29. Hi Sir Jay, very informative and nice website. Found your details at TRC of Bo Sanchez, I would like to ask for an advise if OFW can purchase foreclosed properties and how can I start if possible?

    1. Hi Oliver, thanks!

      Yes, OFW’s can purchase foreclosed properties, but I highly advice you do the final inspection so you can decide if you really want to buy a property. You can’t depend on anyone else to make that decision for you so I guess you have to come home to do this.

      Of course, you need a trusted person to inspect and shortlist properties before you come home to inspect the most promising ones. You also need to execute a Special Power of Attorney or SPA in favor of a trusted relative who can sign on your behalf in case the paperworks are not yet complete and you need to go back abroad, just make sure the SPA is very specific and only covers what you specifically authorize that trusted person to do on your behalf.

  30. Jay, I hope you will receive my mail on speedy way. I am facing a situation with my amortized property in kawit cavite inside a subdivision. I faced arrears of 5 months, I do want to loss my property, I paid a lot for the down payment and monthly amortization. Can you please help to keep it. I requested to have a dialogue with the bank via skype or telephone to express my intention to keep the property. Because it is holiday in Philippines, so I will wait until bank resumes business in Jan 2014. Can you please help me.

  31. Sir jay, May marerefound ba ako if pina cancelled ko yung nakuha kung hous in lot? nakapag hulog poh ako ng 6 moths dowypayment at dahil wala poh aq kakayahang mahulugan pinacanlled ko na..pero ang sagot sa akin ng management wala daw aq ma rerefound dahil wala pa daw 2 years na nkapag hulog..?sa palagay nyu may makukuha ba ako.??.ang laki pera din po yun…salamat….

    1. Hi Alfred, may I know what topics you are interested in? We might have them here already and you don’t have to attend any seminar. 🙂

  32. jose camagay II

    hi sir Jay, I want also to be a license real estate broker, can you recommend me any school that I can attend to, for review

  33. Hi Jay,
    I’m a Filipino Canadian currently residing in Toronto.
    I got some interest in investing in a 2-3 hectare Agriland for Mahogany Plantation.
    Looking at the area of Puerto Princesa or Bicol. Would appreciate if you could direct me to the right spot where to start , foreclosed farm land would be a good idea if you could find me one.
    thank you and regards,
    Ronnie Buenaventura

  34. Hi Sir, I would like to know what is the average selling price of a lot (per square meter) in GSIS Hills, Talipapa, Novaliches, Kalookan.

    Thanks!

  35. Hi,
    Sir Jay,ty for ur helpfull blog, ask ko lng Sir which website or investors sa pinas pede magbinta ng lupa.This lot i mentioned is located in Cebu it is about 4 hectares.This is actually agricultural land but nearby w/ the area is town homes at d kalauan sa SM City.Looking forward for ur advice.
    God Bless.!!

  36. junior Cabingas

    sir ask ko lang po.. tungkol po sa property jan sa CDO SA MEGAHEIGHTS subdivision marami papo bang bakante?? tas tanong ko lang po if SAAN BANDA ANG PHASE 1?? KASI MAY BABA AT TAAS DIBA???? SA BABA PO BA? PLEASE REPLY PO sa email ko. maraming salamat:)

  37. HI JAY,

    I FOUND YOUR WEB SO INFORMATIVE, I WOULD BE THANKFUL IF YOU ANSWER MY QUESTIONS ABOUT REDEMPTION PERIOD ON FORCLOSURE, PH. LAW
    THIS IS ALL ABOUT EXTRA-JUDICIAL FORCLOSURE BY A RURAL BANK.

    1. IF THE OWNER OF PROPERTY IS AN INDIVIDUAL, HOW LONG IS THE REDEMPTION PERIOD?
    2. IF THE OWNER OF PROPERTY IS A CORPORATION, HOW LONG IS THE REDEMPTION PERIOD?

    THANKS,

    I WOULD BE MUCH APPRECIATED IF YOU COULD EMAIL ME YOUR ANSWER, THANKS AGAIN

  38. Wenju Matt Herrera

    Last January i put a down payment for a property in Palawan….this end of June i promised that i will pay the full amount of the selling price, the question is, is there any suggestion or comments from you, because all the transactions was done by the lawyer in Puerto Princesa., and this is the first time for me to deal a property in Philippines…i am Filipino and from abroad. Any suggestion or comment will be fully appreciated,

  39. Hi Jay!

    Can you please help me, i am trying to help our OFW’s here in Kuwait on Property Owning Literacy on both Investment and their Dream Home.

    I am offering my capabilities as your channel here in Kuwait.

    Some of our kababayans are interested on the “Foreclosed Properties”, what are the tools and requirements needed in order for an OFW to acquire their desired properties?

  40. sir pwede humingi ng opinyon kc hndi po kmi member ng gsis tpos ang ginawa ng developer gumamit po cya mga tao na gsis member at ung devloper hndi po nere2mit ung payment nmin kaya naging magulo at malapit na daw po maforclose at ung ginamit na tao ayaw na po pmayag reinstructuring ngayon nagpunta po kami ng gsis kasama yung holder na ginamit para humingi po kami ng latest balance ngayon po yung outstanding balance pag iCash po namin may discount po ba o kaya amnesty sa mga interest

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