April 29, 2025 – Here’s my initial compilation of Pag-IBIG foreclosed properties for May 2025, with listings/schedules for 1st/2nd Online Public Auction and negotiated Sale. Details below.
Pag-IBIG Foreclosed Properties For Sale (May 2025)
Browse all Pag-IBIG foreclosed properties/acquired assets in “easy to search” database:
Note: The foreclosed real estate database allows you to quickly search for foreclosed properties from ALL tranches/batches.
==> Click for all Pag-IBIG acquired assets/ foreclosed properties inside our database
I always say you should avoid occupied foreclosed properties, so I excluded them all:
==> Click to exclude Occupied pag-ibig foreclosed properties inside our database
The source of this compilation of acquired assets is from Pag-IBIG’s official website.
If you prefer to see properties per batch/tranche, see tabulated list below.
NCR Branch Schedules/Listings – List of Tranches/Batches
Tabulated below are all the Tranches/Batches as scheduled under Pag-IBIG’s NCR branch.
May 2025
| Bid/Offer acceptance period/details | Property list / Guidelines | Locations | # of properties |
|---|---|---|---|
| May 05-09, 2025 ▪️ NCR Branch ▪️ First Online Public Auction ▪️ Tranche OPA1510027 ▪️ No Discount | Note: When you go to Pag-IBIG's website, you need to go to the OPA1510027 list to view pictures and submit bids (The "Submit Offer" button will only appear during the period of acceptance of offers). | ▪️ Batangas ▪️ Bulacan ▪️ Cavite ▪️ Laguna ▪️ Metro Manila ▪️ Rizal | 72 |
| May 05-09, 2025 ▪️ NCR Branch ▪️ First Online Public Auction ▪️ Tranche OPA1510026 ▪️ No Discount | Note: When you go to Pag-IBIG's website, you need to go to the OPA1510026 list to view pictures and submit bids (The "Submit Offer" button will only appear during the period of acceptance of offers). | ▪️ Bulacan ▪️ Cavite ▪️ Laguna ▪️ Metro Manila ▪️ Rizal | 70 |
| May 05-09, 2025 ▪️ NCR Branch ▪️ 2nd Online Public Auction ▪️ Tranche OPA1520025 ▪️ With Discount | Note: When you go to Pag-IBIG's website, you need to go to the OPA1520025 list to view pictures and submit bids (The "Submit Offer" button will only appear during the period of acceptance of offers). | ▪️ Batangas ▪️ Bulacan ▪️ Cavite ▪️ Laguna ▪️ Metro Manila ▪️ Rizal | 148 |
| May 05-09, 2025 ▪️ NCR Branch ▪️ Negotiated Sale ▪️ Batch # 15257 | Note: When you go to Pag-IBIG's website, you need to go to the 15257 list to view pictures. Submission of offers is still through previous manual process (see guidelines). | ▪️ Batangas ▪️ Bulacan ▪️ Cavite ▪️ Laguna ▪️ Metro Manila ▪️ Pampanga ▪️ Rizal | 800 |
| April 28-May 2, 2025 ▪️ NCR Branch ▪️ First Online Public Auction ▪️ Tranche OPA1510025 ▪️ No Discount | Note: When you go to Pag-IBIG's website, you need to go to the OPA1510025 list to view pictures and submit bids (The "Submit Offer" button will only appear during the period of acceptance of offers). | ▪️ Batangas ▪️ Bulacan ▪️ Cavite ▪️ Laguna ▪️ Metro Manila ▪️ Rizal | 53 |
| April 28-May 2, 2025 ▪️ NCR Branch ▪️ 2nd Online Public Auction ▪️ Tranche OPA1520024 ▪️ With Discount | Note: When you go to Pag-IBIG's website, you need to go to the OPA1520024 list to view pictures and submit bids (The "Submit Offer" button will only appear during the period of acceptance of offers). | ▪️ Batangas ▪️ Bulacan ▪️ Cavite ▪️ Laguna ▪️ Metro Manila ▪️ Rizal | 146 |
| April 28-May 2, 2025 ▪️ NCR Branch ▪️ Negotiated Sale ▪️ Batch # 15256 | Note: When you go to Pag-IBIG's website, you need to go to the 15256 list to view pictures. Submission of offers is still through previous manual process (see guidelines). | ▪️ Batangas ▪️ Bulacan ▪️ Cavite ▪️ Laguna ▪️ Metro Manila ▪️ Pampanga ▪️ Rizal | 800 |
| Total: 2089 |
How about Provincial Schedules/Listings?
Starting with the tranches for 1st Online Public Auction, I am already uploading provincial listings (uploading of the rest are to follow). See table below.
Note: Click on the Tranche number to view the list of properties inside my foreclosed real estate database.
To view the rest of the provincial schedules/listings, just go to pag-IBIG’s website: https://www.pagibigfundservices.com/OnlinePublicAuction/
Online Public Auction – Buying Foreclosed Properties Just Got Easier!
Pag-IBIG has officially launched the Online Public Auction (OPA) for their foreclosed properties/acquired assets.
This means there is now a more convenient way to submit bids/offers, no need to visit their branches or send via courier.
Please take note of the updated buying procedure in the Invitation To Bid/Guidelines for each tranche.
More info about the Pag-IBIG Online Public Auction system/platform can be found here:
=> Pag-IBIG Online Public Auction – Everything You Need To Know
By the way, With Pag-IBIG’s Online Public Auction system/platform, you have to go to their website to submit an offer/bid. Which is why I added a button that links to Pag-IBIG’s website, with instructions.
~Jay Castillo~
How can I find Pagibig house and lots, condos, vacant lots, etc?
Here’s a handy list for easy reference:
- Pag-IBIG House and lots (includes row houses, townhouses, etc)
- Pag-IBIG Condominium units
- Pag-IBIG Vacant Lots
To quickly find the types of properties you prefer, you can use “keywords” when you search our foreclosed properties database.
For example, the keywords “pagibig” and “house” will find all pagibig properties with the word “house” in their listing descriptions. This will also include rowhouses, townhouses, house and lots, etc. Click here to see the search results for pagibig+house.
For condos, simply use “pagibig” and “condo”. Click here to see search results for condos.
For Vacant lots, you will have to use “lot only” as this is the term often used by pag-IBIG. Click here to see the search results for lot only.
You can then filter according to your preferred location(s).
I’ll share a video tutorial when I have time.
How to participate in a Pag-IBIG Online Public Auction for acquired assets
Here’s a quick overview/summary of the buying process via Online Public Auction:
1. View the list of Pag-IBIG foreclosed properties for sale included in the auction and identify the property or properties you are interested in. Take note of the PROPERTY NUMBER.
2. Do your due diligence. When you find a property that you are interested in, you need to do a reasonable amount of due diligence (property inspection to see extent of repairs needed, check if there are any illegal occupants, checking the titles/tax declarations for any problems, etc.). Always keep in mind that foreclosed properties are for sale on an “As-is, where-is” basis.
4. Register for the Online Public Auction – Bidders are required to register online on this page (also includes requirements):
==> https://www.pagibigfundservices.com/OnlinePublicAuction/Registration/RequirementsView
For more info, you may visit my article Pag-IBIG Online Public Auction – Everything You Need To Know (So Far)
5. Submit sealed bid – As of February 2025, there are 2 ways bidders can submit their bids online:
- Go to Pag-IBIG’s official website: https://www.pagibigfundservices.com/OnlinePublicAuction/ and go to the tranche with your target property. Search for your target property using the PROPERTY NUMBER of your target property as listed above and then click the “Submit Offer” button and follow instructions. Bidders can only submit bids during the duration of acceptance of bids (The “Submit Offer” button will NOT be available before/after the period of acceptance of offers)
- Go to Pag-IBIG’s Property Finder Page: https://www.pagibigfundservices.com/OnlinePublicAuction/ListofProperties/PropertyFinder. In the drop-down under “Search By”, choose ROPA ID and enter the PROPERTY NUMBER of your target property as listed above and click the “Search” button. You will see details of your target property with the “Submit Offer” button. Click the “Submit Offer” button and follow instructions. Bidders can only submit bids during the duration of acceptance of bids (The “Submit Offer” button will NOT be available before/after the period of acceptance of offers).
6. Opening of sealed bids shall be done as per schedule. The results of the sealed public auction shall be released and posted at Pag-IBIG’s official website. Winning bidders shall also be notified via email and SMS.
7. Winning Bidders Payment of Bid Bond – As per guidelines: “The winning bidder shall be required to pay a DOWNPAYMENT equivalent to five percent (5%) of the BID OFFER, which shall be paid within five (5) working days from the receipt of notification. It shall be in Philippine Currency and may be in the form of cash or manager’s check payable to Pag-lBIG Fund.”
Reminder: What you see above is just a quick summary. The exact step-by-step instructions are inside the guidelines as released by Pag-IBIG for each auction, which you can download above.
How to Buy Pag-IBIG Acquired Assets for Negotiated Sale
Note: The procedure for buying via negotiated sale is through the old manual submission process. See details below.
To explain the details, I uploaded a step-by-step video tutorial in youtube, see below to watch:
Step-by-step tutorial video
Click to watch video in Youtube ==> How to buy/avail Pag-IBIG acquired assets/foreclosed properties under negotiated sale (Step-by-step tutorial)
Step-By-Step guidelines
To view the latest step by step guidelines from Pag-IBIG, see them all at this page:
Summary from Pag-IBIG’s website:
“1. The list of the properties for negotiated sale may be viewed at Pag-IBIG Fund website. Please take note of the Publication Batch No., Start/End Time and Date of Acceptance of Offer.
2. Interested buyers are encouraged to inspect their desired property/ies to purchase prior to submission of offer/s.
3. On the scheduled date of submission of offer, buyer shall register at the acquired asset frontline counter servicing at the start of the acceptance period.
4. Buyer must accomplish and submit an Offer to Purchase indicating the preferred mode of sale and payment in a sealed envelope. Then drop in a designated drop box.
5. Dropping of sealed envelope in a drop box is according to scheduled date.
6. Cut off time for submission of offer/s is at 5:00p.m. After cut off time, registration of buyers shall be closed.
7. NO more offers shall be accepted from unregistered buyers after the cut-off time and date.
8. The opening of sealed envelopes shall be done on the date, time and place stated in the Invitation to Submit Offer to Purchase
RESERVATION FEE SHALL BE ACCEPTED ONCE DECLARED AS THE HIGHEST PURCHASE OFFEROR OR WINNING BUYER.”
For more details kindly call at 8-654-1398/8-654-1032 or visit us at 2nd Flr. Acquired Asset Counter Servicing at JELP Bldg., Shaw Blvd., Mandaluyong City”
Important reminders for interested buyers
1. Pagibig does not accept reservations thru Real Estate Brokers/Agents
This was announced in Pag-IBIG’s website last September 30, 2019, and I noticed they also removed their list of accredited real estate brokers. They advice interested buyers to coordinate directly with the Acquired Asset Management Group or with the nearest Housing Hubs. Be very careful with real estate brokers/agents who are selling Pag-IBIG foreclosed properties, they are not authorized and you might end up getting scammed! Refer to article below for more info.
- How to Identify and Avoid Foreclosed Property Scams
- Real Estate Brokers/Agents are NOT allowed to sell Pag-IBIG foreclosed properties
2. Pag-IBIG foreclosed properties are all for sale on an “as-is, where-is” basis
3. A big number of properties on the listings are occupied.
In summary, we do not recommend buying occupied properties, even if they can have big discounts.
Also, if you buy an occupied property, there is a risk that the occupant will cannibalize/vandalize the property, just like this one: Occupied Pag-IBIG acquired asset cannibalized/vandalized by ex-owner
4. Do your due diligence before submitting a bid/offer.
To guide you with your due diligence, you may refer to our article “31 Questions you need to ask when inquiring about foreclosed properties“
5. Check for new Erratum/Announcements.
Please refer to the notice from Pag-IBIG:
“Interested parties are encouraged to visit Pag-IBIG’s website, https://pagibigfund.gov.ph/acquiredassets.html five (5) days prior the actual opening of bid offers, to check whether there is any erratum posted on the list of properties posted under the sealed public auction/negotiated sale.”
What are Pag-IBIG Acquired Assets?
Pag-IBIG acquired assets are properties that were repossessed by Pag-IBIG because the property owner (who financed the purchase through a housing loan from Pag-IBIG) was not able to pay their monthly amortizations for at least 3 consecutive months.
Typically, non-payment would trigger the foreclosure process.
If the borrower is unable to catch-up with payments (or is unable to restructure the loan), the property will end up in a foreclosure auction that shall be conducted by the Sheriff at the City/Municipal hall where the property is located.
The lending institution (Pag-IBIG or HDMF in this case) will end up as the winner of the foreclosure auction by default if there are no other bidders, and the redemption period begins once the certificate of sale is annotated on the title.
The redemption period (1 year for individuals, 90 days for corporations) gives the borrower a chance to redeem the property, where they have to make a full payment before the redemption period ends.
If the borrower is unable to redeem the property, then the property will end up as a Pag-IBIG acquired asset or foreclosed property and they can proceed with transfer of ownership from the borrower to Pag-IBIG.
This transfer of ownership is often referred to as the “consolidation”, which can take a long time, depending on the completeness of the documents and other requirements (for example, payment of real estate taxes, etc.) needed for the transfer of ownership.
Frequently Asked Questions (FAQ)
1. How to avail Pag-IBIG acquired assets? How to buy via auction/ negotiated sale?
You can refer to the video and text summaries above. You can also read the bidding guidelines/invitation to bid for more detailed information, please download a copy from the table of schedules above (with red download buttons).
Note: Each schedule/listing of properties for auction/negotiated sale will have its own guidelines/invitation to bid, which also contains the list of properties for sale.
2. Can I get Pag-IBIG financing for Pag-IBIG foreclosed properties/acquired assets?
As a general rule, you can finance the purchase of Pag-IBIG foreclosed properties/acquired assets through a Pag-IBIG loan. This applies to buying via public auction and negotiated sale. Details are included within the guidelines for each tranche/publication batch. If you have questions, contact Pag-IBIG directly through the contact details specified in each of the listings above.
3. Where/how can I find a Pag-IBIG foreclosed property that is not on any current list/schedule?
It might be included in an upcoming schedule/listing. It’s also possible that it is not yet for sale (Ex. The property needs to be appraised, the redemption period has not yet lapsed, etc). It is also possible that it was already sold in past schedules. Please call Pag-IBIG directly to inquire. I highly suggest that you call the designated contact person(s) in other listings/schedules for the same location of the property/ies you are interested in.
4. Can you help us find Pag-IBIG foreclosed properties within my preferred location/city/village/budget, etc?
We can no longer give assistance as brokers because Pag-IBIG no longer allows brokers/agents to sell their properties effective September 30, 2019.
However, I created a tool so you can find properties easily and “Do It Yourself”.
You can search our foreclosed properties database where you can quickly find properties in your preferred location (search for the city, subdivision, village, condo name, etc). You can even filter to only include properties withing your target price-range/budget, and also exclude properties that have illegal occupants as indicated in the listings from Pag-IBIG.
5. What does it mean if a Pag-IBIG acquired asset is “OCCUPIED”?
An “Occupied” status/remark means the foreclosed property has illegal occupants, and the buyer will have to eject the occupants. We also received feedback that some properties that are listed as unoccupied can turn out to be occupied.
Here are additional info for your reference:
1. Bad things can happen if you buy properties with illegal occupants. Don’t believe me? Watch this video to see what can happen: Why we don’t recommend buying foreclosed properties that are occupied (even if they are cheap)
2. How to avoid foreclosed properties that are tagged as “occupied” – This is now easy with our “Foreclosed Properties Database”. Here’s a step-by-step on how to do this: How To Exclude Occupied Foreclosed Properties When Searching Our Foreclosed Real Estate Database
If you find out that a property is occupied, my advice is to forget about that property and move-on to other available properties that are not occupied.
6. Who do I contact to inquire for Pag-IBIG foreclosed properties?
Please contact Pag-IBIG directly through their designated contact person(s) for each schedule/listing of properties for public auction/negotiated sale. The contact person(s)/contact details can be found inside the listing/bidding guidelines above, and also within the details for properties inside our database.
7. Can I buy Pag-IBIG foreclosed properties that were not sold during a previously scheduled public auction/negotiated sale?
Yes you may, but you have to check if a property is really still available and was not sold during a previous schedule (you have to contact Pag-IBIG directly to check). To give you an idea, here’s what can happen to properties that are not sold (This is based on Pag-IBIG circular 428):
1. If a property is not sold sold during the 1st auction, it will be included in a 2nd auction (you have to check each new schedule/listing to see if your target property is included).
2. If a property is not sold during the 2nd auction, it will be included in another schedule/list of properties under negotiated sale.
3. If a property is not sold under a schedule/listing via negotiated sale, it will be included in another schedule/listing of properties under negotiated sale. They repeat this until it a property gets sold.
8. Can I sell Pag-IBIG foreclosed properties as a real estate broker/sales person?
No, Pag-IBIG no longer allows accredited licensed real estate brokers to sell their foreclosed properties as announced on their official website last September 30, 2019. Details are explained here: Real Estate Brokers/Salesperson are not allowed to sell Pag-IBIG properties
9. Can you please check if a Pag-IBIG foreclosed property from an old list/schedule is still available?
Only Pag-IBIG has information if a property is still available and was not sold in previous listings/schedules of auctions and negotiated sale. Please contact Pag-IBIG directly to check if a property from an old listing/schedule is still available. I highly suggest that you call the designated contact person as indicated in the old schedule/listing.
10. What are the requirements to buy Pag-IBIG foreclosed properties?
To get a complete list of requirements, please refer to the guidelines which you can download above (those in red buttons).
11. We live in a property that is now a Pag-IBIG acquired asset/foreclosed property, can we buy it/apply for it?
Pag-IBIG can give occupants of their acquired assets a chance to purchase the property. They call this a “Direct Purchase”. Here are the details as quoted from Pag-IBIG circular 428:
“IV. DIRECT PURCHASE FOR OCCUPIED UNITS
1. Direct Purchase shall refer to the purchase of the acquired assets by the present occupant.
2. The Fund shall issue an Invitation to Purchase (ITP) to the present occupant offering him/her the option to purchase outright the acquired asset or to lease the property with option to purchase later.
3. The present occupant shall submit an Offer to Purchase (OTP) indicating his chosen mode of payment, and pay the non-refundable reservation fee. Said reservation fee shall be forfeited in favor of the Fund in case the buyer did not pursue the sale transaction, or his application is denied for reasons attributable to him. The OTP shall be valid for a period of thirty (30) calendar days.
4. The selling price of the subject acquired asset shall be based on its latest appraised value.
5. No discount shall be granted under direct purchase.
6. Once an offer has been made, the buyer must comply with the terms and conditions of the chosen mode of payment under Item VI.1 of this Guidelines within the prescribed period from payment of the reservation fee.
7. If the occupant fails to submit an OTP within the prescribed period from receipt of the Invitation to Purchase, Pag-lBIG Fund may initiate the eviction proceedings.”
Link to Pag-IBIG Circular No. 428 – Omnibus Guidelines on the Sale of Pag-IBIG Fund Real and Other Properties Acquired: https://www.pagibigfund.gov.ph/document/pdf/circulars/housing/Circular%20No.%20428%20-%20Omnibus%20Guidelines%20on%20the%20Sale%20of%20Pag-IBIG%20Fund%20Real%20and%20Other%20Properties%20Acquired.pdf
12. What does it mean if Pag-IBIG acquired asset’s title is “FOR CONSOLIDATION”?
When a Pag-IBIG foreclosed property’s title (TCT/CCT) is “FOR CONSOLIDATION”, it means it is still under the name of the former owner/original borrower and Pag-IBIG has not yet finished the transfer of the title to them.
The process of transferring the title of a foreclosed property/acquired asset to Pag-IBIG is called “CONSOLIDATION” and it can take a long time depending on the completeness of the documents required for the transfer of the title.
Read: Pag-IBIG Acquired Assets: For Title Consolidation Meaning (Safe To Buy?)
13. What is the difference between Pag-IBIG ACQUIRED ASSETS and FORECLOSED PROPERTIES?
PAG-IBIG ACQUIRED ASSETS and FORECLOSED PROPERTIES are the same. These properties are also referred to as ROPA (Real and Other Properties Acquired). They can also be referred to as pagibigfund acquired assets
14. What does “TCT under abatement” mean? Is it safe to buy?
The BIR has an “Abatement Program” where the taxpayer (HDMF in this case) can apply for the reduction or cancellation of taxes, penalties, and/or interest. This process can take a long time and will affect the consolidation of the title. This is the reason for the following disclosure in the affected listings:
“TCT UNDER DEVELOPER OR UNDER ABATEMENT MAY TAKE SEVERAL YEARS (MORE OR LESS 5 YEARS) FOR TCT TO BE CONSOLIDATED IN THE NAME OF THE FUND”
Since the consolidation of the title will take a long time, this can make it difficult to transfer the ownership if you decide to sell the property. To avoid complications with title transfer to your buyer, you will have to wait for the title consolidation to finish.
Got more questions? Please read:
If you have more questions with regard to the buying process, please read the bidding guidelines first. Most questions already have answers in the files because they have instructions, forms for bidders, and contact details of Pag-IBIG. You may download the guidelines per publication batch from the table above (the red buttons).
If you want to inquire about a property, please contact Pag-IBIG directly as this helps ensure that you get the details you want faster, Pag-IBIG contact info are included in the guidelines for each publication batch.
Pag-IBIG contact details
If you are interested in any of the Pag-IBIG foreclosed properties in the listings above, please contact Pag-IBIG DIRECTLY! You should contact the person-in-charge as written in the bidding/negotiated sale guidelines.
You may also call Pag-IBIG’s Hotline:
Pag-IBIG FUND HOTLINE:
- 8-724-4244 (8-Pag-IBIG) – 24/7 Call Center operation
Full disclosure: Nothing to disclose. We are not accredited real estate brokers of Pag-IBIG. We are posting this as a public service announcement for those who have been asking for updated listings of foreclosed properties from Pag-IBIG.
References
- Pag-IBIG official website. Pag-IBIG Fund. As retrieved on April 15, 2025
- Steps to Purchase Acquired Assets. Pag-IBIG Fund. As retrieved on July 15, 2020
- Pag-IBIG official website. Pag-IBIG Fund. As retrieved on September 30, 2019
- Jay Castillo. Why we don’t recommend buying foreclosed properties that are occupied (even if they are cheap). ForeclosurePhilippines.com. Last retrieved on February 16, 2018
Search for more foreclosed properties in our database…
You can also search from over 30,000 foreclosed properties in our database.
This includes other banks and lending institutions that have foreclosed properties for sale.
Use this to quickly search for all foreclosed properties in a subdivision, village, condominium project, city, etc.
==> Click for advanced foreclosed properties search
All locations with foreclosed properties by Province/City
You can also browse all locations within the Philippines with foreclosed properties available from ALL banks/lending institutions inside our database, grouped by Province/ City, on this page:
==> Click to browse all foreclosed property locations
Note: The “Foreclosed Properties Database” is a work in progress. If you have comments/ suggestions, please do let me know by leaving a comment below.
GOOD MORNING
ASK LANG PO KUNG PAANO ANG GAGAWIN NMIN SA BHAY NG BYANAN KO KC 1YR NA SILANG D NKA BAYAD..KC PO MY SAKIT PO UNG BYANAN KONG BABAE KYA PO HNDI N CLA MAKAHULOG ANAK PO NILA ANG ASAWA KO PWEDE PO BA KMI NLANG ANG MAG PATULOY NG MONTHLY NILA PANO PO ANG PROCESS NUN
Pwede naman po yon, pero usapan niyo na lang po yon, hindi kasama ang pag-ibig. Suggestion ko po siguraduhin niyo na hindi pa na foreclose ng pagibig yung property. Tapos dapat may kasulatan din kayo ng biyenan niyo para malinaw na kayo nagbabayad, etc.
Hi, paano po kung foreclosed na un bahay. Matagal na walang communication kay PAG-IBIG tapos, just this January, may pumuntang taga PAG-IBIG at kinuhaan ng mga picture ang bahay. ibig sabihin po ba nun, kasama na sa ibibenta un unit?
Kaya pa bang magawan ng current owner na di tuluyang maforeclose ang bahay niya?
kung mabili ang unit, papadalhan ba ng notice of eviction ang mga nakatira doon?
pasensya na po sa mga tanong, at salamat na din po sa inyong magiging tugon.
Baka po ina-appraise na nila yung property, posible pong naghahanda na sila na isama siya sa auction.
Yes, pwede naman po magawan ng paraan para hindi matuluyang ma-foreclose. Eto po mga pwedeng gawin: https://www.foreclosurephilippines.com/4-tips-on-how-to-stop-foreclosure/
Kuing mabili yung unit, usually ang nakabili na ang bahal magpaalis dahil sa “as is, where is” basis na bentahan ng foreclosed.
Pasensiya na rin po ang ngayon lang ako nagkatime sumagot
Thank you sir Jay Castillo! God Bless you!
hi sir,
ask ko lng po ano po ibig sabihin ng unoocupied for title consolidation
ang bawat bituin ay lumiliwanag sa dilim.
caretaker po ako sa tinirhan ko, sa bahay ng kapatid ng bayaw ko at itoy naging foreclose, tapos nakareceived ako ng mga letters ng pag-ibig at aking pinuntahan ito sa pag-ibig, nagfile ako ng reservation fee at umabot ng cancellation dahil hindi ako makakuha ng coe and compensation dahil finish contract sa work sumabay, at ngayon may work na ako pwede bang ituloy o panibagong proseso sa pag- avail na ako ang occupant dito na meron pumunta sa bahay na sabi nya nakuha na daw nya itong bahay at ipapaayos after 1month sa pagpunta nya sa bahay na isang verbal notice nya, tubig at ilaw ay napaayos ko at napagastos na po ako dito sa bahay na ito. god bless me & u !
Si Sir jay Pede ba akong magloan ulit ng housing sa pagibig kahit may current loan ako ngayon.
Good morning Sir Jay. Pwede po ba kayong magpost din ng SSS foreclosed properties?
Sir ask ko lng po. Ang status po ng house nmin ngun s pag ibig ay acquire asset npo. Pero upon cheking its not yet posted..
Is there any option for us to pay partial. Or can we pay in rent to pagibig. Just to maintain living
Hello po, nasa negotiated asset na po yng bibilhin namin unit at we’re planning to pay this installment payable in 12 months. Ang question ko po dito, meron po kaming existing housing loan na mag asawa sa pag ibig din, possibly po ba na ma approved kmi ulit? Ang 2nd n question ko po, allowed po ba ang hindi member ng pag ibig na bumili ng unit under negotiated asset? Thank you in advance for your reply. God bless…
Hello
not possible to find any listing for properties in negros oriental in any of the listing or indeed drop down menus on the pag-ibig site ???????????
so where to find listings in Neg or
thanks
Hello po, nasa negotiated asset na po yng bibilhin namin unit at we’re planning to pay this installment payable in 12 months. Ang question ko po dito, meron po kaming existing housing loan na mag asawa sa pag ibig din, possibly po ba na ma approved kmi ulit? Ang 2nd n question ko po, allowed po ba ang hindi member ng pag ibig na bumili ng unit under negotiated asset? Thank you in advance for your reply. God bless…
May gusto akong bahay house and lot s brgay consolation s laguna..anu po ang proceedure nya..
Hi good evening ask ko lng po kung anu ang proceedure ng pgbili ng house and lot..dahil may gusto akong kunin n house and lot s laguna.tanx
Hi Mr.Jay ask ko lang po kung ano po ibig sabihin nito: In case the Bid Offer, net of the ten percent (10%) bid bond, is still higher than theappraisal value of the property, the amount in excess of the appraisal value shall betreated as equity. It shall be paid by the buyer within thirty (30) calendar days uponreceipt of Notice of Loan Approval. Thank you po 🙂
pati po ung for title consolidation …
Hi Mr.Jay, May I may request po un foreclosed units po here in Biñan City, Laguna. Thanks
Hi Mr Jay, tanong ko lang po, may katabi po kaming bahay na foreclosed na. ano po pwede ko gawin para po mabili po yung property? kc kakapadala pa lang po ng notice ng pag ibig na foreclosed na po ang bahay. thank you po
Hello, Im newbie here an I was advised by my co-worker that I could purchase an acquired asset. from pag ibig. Is there
chance that I could see the actual photos of the lot? thanks.
Hi sir ask ko lang po kung may bidding po ba sa
Dec 20 2016?
Good Day sir jay
I am Bryan Colina from Cebu…
Few months ago I have read in an article of your blog regarding rent to own scheme and as far as I could remember,you mentioned that you stop such scheme.Can you please enlighten me with this one because I am planning to apply this scheme on a property I will buy from pagibig foreclosed properties
Thanks a lot
Hi sir Jay, gusto q sana kumuha nang na foreclosed na property here in cebu, pwd po ba ako pumunta xa pag ibig branch at magtanong regarding xa mga availlable property or kailangan ba talaga na nasa public auction? ano pong proceso xa foreclosed property? thanks po.
Hi Mr Jay, I am an employed government employee and a pag ibig member, ask ko lang po gusto ko pong kumuha ng house and lot na foreclosed and babayaran ko po through loan sa pag ibig, pwede po ba un? at saan po ako makakaita ng available foreclosed property at bacoor cavite area. thanks po and good day.
Sir Jay, good day!
Nanalo po ako sa sealed bidding ng Pag-ibig foreclosed properties dito sa Cebu..Salamat po kasi sayo nanggaling yong information regarding sa bidding schedules..Gusto ko po sana ipa rent to own ang property ko once matapos namin ma renovate.Mayron po ba kayong sample ng contract sa rent to own between buyer and seller? pwede po ba ako maka hingi ng soft copy thru email? eto po ung email ad ko (md_manayaga@yahoo.com)…
hello po ano po ibig sabihin ng “Occupied – Occupant Undisclosed”
Hi Mr. Jay, tanong ko lang po, kung may foreclosed property po sa Pag-ibig na gusto naming bilhin, pwede po ba kaming directly magrequest ng copy ng title from Register of Deeds as part of due diligence, o kailangan pa po ba ng permission from Pag-ibig? And regarding the bid price, advisable po ba na magstick na ko sa minimum bid price, if not, ano po ang pwedeng gawing basis kung ilang percent ang idadagdag ko sa minimum bid price? Thanks po.
Hi Marie, regarding sa title, pakicheck yung answer ko dun sa other question mo, thanks.
Pagdating sa bid, pwede ka lang mag stick sa bid price kung walang kalaban pero mahirap malaman yon pag sealed bidding. Pwede na siguro dagdagan mo lang ng konti (around 5%) unless gustong gusto mo yung property (pwede mo pang taasan.
Kung balak mo mag buy and sell, compute mo muna siyempre kung ano ang pwede mong idagdag pero kikitain mo pa rin yung target profit mo.
Thanks po Mr. Jay, malaking tulong po itong website na ginawa mo para sa mga pinoy na tulad ko na walang experience sa foreclosed property investing. Pasensya na po nagpaulit-ulit ung questions ko sa ibang page. More power to you!
Hi. Sir jayson. Pwede po bang tumawag sa pagibig. Para inquire kung pwede pang mag bid sa last posting ng july. Aug. -oct 2016?
and para po di masayang ung time, pag punta ss office nyo. Kasi po the last time na nag try po mag bid ung friend ko sabi sa kanya, naunahan po xa sa gusto nyang bilihin na bahay.
TIA ☺
hello po,pano po kung ayaw umalis ung occupant?…pag-ibig po dapat ang magpaalis sa knila bago ipabid…
Hello Yyr. pag may bumili ng occupied property, buyer na po ang magpapa-alis.
Kaya ang lagi ko pong suggestion ay huwag bibili ng occupied property.
ah,okay po…thanks 🙂
Welocme po!
Sayang naman po Sir, sana PAG-IBIG nalang po mismo magpapaalis ng mga occupant na ayaw talagang umalis. 🙂
Oo nga po eh, hindi rin kasi basta-basta-magpaalis kaya siguro hindi mapaalis ng pagibig. Payo ko po pag occupied, hanap na lang po ng iba.
hi sir, where can i download the Instruction to bidders and offer to bid form for november 17, 2016 bidding?
Sa Pag-IBIG website po, eto po yung link: http://www.pagibigfund.gov.ph/aa/forms/AAF103_OffertoBid.pdf
hi sir, tanong lang po, ano ang mangyayari kung me occupant ang property na open for bidding? sasagutin ba ng nanalong bidder ang relocation ng occupant? thank Q
Hi Neil, since “as-is, where is” basis po ang bentahan, yung buyer na ang bahala sa pagpapaalis. Depende napo sa buyer kung relocation ang gagawin niya, pero sagot na niya lahat ng gastos.
Suggestion ko po, iwas na lang sa occupied properties.
thanks po and more power! God bless!
You’re welcome Neil, God bless you too!
Hi Sir Jay,
meron kasi akong gustong property na matagal na wala nakatira pero hindi pa sya kasama sa list na negotiated sale at sa list ng for auction, pwede ko po ba ma inquire sa Pag-ibig ang status nitong property? possible po kaya na foreclosed na ito?
hello po.di na po b pwedeng umapela ang owner ng bahay n naforeclose?di po kc nag warning ang pagibig.basta ngpadala lng ng letter n for auction n ung property.I hope u can help me with this.thanks
Sorry to hear your situation, diretso na po kayo sa legal department para directly makipag-usap.
Eto po mga suggestions that can help: https://www.foreclosurephilippines.com/4-tips-on-how-to-stop-foreclosure/
Hi Sir Jay, Question po
1. May nakita kasi ako na foreclosed dun sa location na gusto ko. Included sya sa bidding on Nov.25. Pero sinisearch ko sya ngaun,di ko na Makita .. possible ba na tinanggal na sya sa list?
2.Yung bid price mo ba, yun na din ung TCP mo?
Thanks
Baka po sa ibang file niyo nakita, apat na auction po kasi ang naka-schedule sa November 25, paki-doublecheck na lang po.
Yes po, yung winning bid price ang magiging TCP.
nahanapan ko na po ata lahat ng mga auction on the said date kaso wala po talaga. kahit po sa updated list dated 11.7.16
Sir pwede nyo po ba ako maasist sa link ng mag schedule for Nov. 25 – Cavite area po.
Salamat po
GOOD AFTER NOON SIR JAY ASK KO LNG WHAT IF YUNG PROPERTY NA GUSTO KO IS NAPUNTA SA NEGOTIATED PROPERTY NEED KO PA BA MAG DOWN NG 10% NG TOTAL PRICE NG HOUSE OR YUNG RESERVATION NLNG AT ADVANCE PAYMENT SA INSURANCE
Hi Sir, need po ng advise nyo. First time ko po and i have no idea kn purchasing some property thru pagibig though nagbabasa po ako ng steps. May gusto po akong property na included po this coming Nov 25. it means po ba na sa Nov 25 lang po kylngan mag pasa ng bidding application? and may discount po ba pag ang payment is housing loan? regarding po sa bidding price which is 10% ng total contract price, un na po ba ung actual downpayment ng unit. or may equity pa na tinatawag nila and may babayaran pa after ng 10% or start na ung housing load kf maaaprove? thanks po in advance. god bless
Hi Ms. Evelyn, based po sa guidelines, pwede lang po kayo magsubmit on the day of the auction.
Regarding discounts, depende po sa listing kung may available discounts.
Yung sa downpayment, depende po pag na-approve yung loan niyo for the 90%, so pag a-approve po yung housing loan niyo sa 90%, yung 10% napo ang downpayment niyo. Good luck po!
Good afternoon po sir Jay… Ask lng po ako.. Sir may nakita po akong house na na pad locked n po ng pag ibig at natatakan na po ng acquired asset ba un.. Tiningnan ko po sa mga listahan ng foreclosed ay wala nmn doon ung bahay na yun? Gusto ko po sana kunin ang house na yun. Kz sa tingin ko ay foreclosed na po… Paano ko po malalaman na ito ay pwedi nf bilhin gayung wala nmn po xa sa for sale po?
Hi Julie, baka po sa list of properties for negotiated sale nakalagay, pwede niyo po ma-search sa website ng Pag-IBIG, eto po direct link: http://www.pagibigfund.gov.ph/aa/search.aspx
tanong ko lang po kung nakibidding ka malalaman po ba agad yong resulta
Dapat po may resulta agad, nakalagay kasi sa bidding guidelines na opening of bids will follow immediately after the deadline of submission.
sir ask ko lang po yung invitation to bid last sept.23 ng pagibig whereas ang auction date nya was last October 27, pwedi pa po ba kaya kami makahabol sa pag pasa ng para sa bidding na yun or dapat pumunta lang kami sa stated date of auction, kasi yung gusto kasi naming lot is si na available for the month of November, meron na po kaya nakakuha ng lot na gusto namin? paano po kaya machecheck if available pa yung lot?
Hi Cha, baka hindi na sinama for auction pero sinama na ng Pag-IBIG sa properties nila for negotiated sale. Pwede niyo ma-search sa website nila, eto po yung direct link: http://www.pagibigfund.gov.ph/aa/search.aspx
updated po ba ang link na ito every week?
Depende po sa Pag-IBIG. Pag may updates sila, i-u-update ko rin po ito.
sir gaano po ba katagal ang approval ng pag-ibig? magkano po ba yung babayaran na 1yr advance insurance premium? may nabasa kc ako na dapat bayaran yun at yung 1month amortization? so incase nasa 300k ang total contract price nya, mga magkano po kaya ang magagastos namin sa pagprocess na lahat bago namin makuha ang title? anong document po ba ang dapat naming ipakita para makapag move in kami, para mapaalis ang kasalukuyang nakatira dun? totoo bang buwan din ang bibilangin bago kami makalipat? naipasa na po kasi namin ang requirements last Nov.22 at binigyan kami ng 2mos time, mukhang napakatagal naman po ata nito. Sa ngayon po ano po ba ang mga dapat naming iprepare na documents?
sir nakita ko na po sa website young property at nandun po sya, ano po ang ibig sabihin ng status at remarks nya na may “OCCUPIED AVAILABLE – NEGO SALE FOR TITLE CONSOLIDATION” ? pwedi pa po ba sya makuha at iaapply po sana namin sa pagibig? ask ko na rin po kung to too po ba na pwedi na po 3members ang mag apply para kumuha ng property, kasi maliban sa aming mag asawa gusto ko sana na iadd ang hipag ko para medyo malaki din ang makuha namin?
Bale pag “occupied” ibig sabihin may nakatira po dun sa property na pwedeng former owner or illegal occupant. Buyer na po ang magpapa-eject.
“Negotiated sale” – Ibig sabihin po hindi na dadaan ng auction, mag submit na lang po kayo ng offer sa Pag-IBIG based on their standard procedure.
“Title for consolidation” – Ongoing po ang paglipat ng titulo dahil nakapangalan pa po sa former owner, ongoing ang paglipat sa pangalan ng Pag-IBIG.
Nabalitaan ko din po na pwede na ang 3 family members as co-borrowers, pero paki tanong po sa Pag-IBIG ang details or attend po kayo ng seminar nila for member na mag-a-apply for a housing loan.
sir nakita ko na po sa link yung property na gusto ko Kaya lang may remarks sya na ganito, “OCCUPIED AVAILABLE – NEGOTIATED SALE FOR TITLE CONSOLIDATION”, ano po ang ibig sabihin nun, available pa po ba sya o may nakakuha na, at totoo po ba na pwedi na po ang 3members sa pagibig kung kukuha ng house and lot, balak kasi naming mag asawa na isama ang hipag ko para makuha namin yung lot medyo malaki rin po kasi ang TCP nya, sana po ay matulungan nyo ako, salamat po.
Hi Ms. Cha, nag double po ata post niyo, nasagot ko na po ito dun sa isa niyong comment, salamat!
sir salamat sa advise nyo, sa ngayon naireserved na po namin sa pagibig yung foreclosed property na gusto naming kunin. kasalukuyan po ay inaasikaso naming mag asawa ang mga requirements. kung sakasakali po na matapos namin ng mas maaga ang pag kompleto at maapprove naman ito agad ng pagibig, paano pp ang sunod naming gagawin kasalukuyan po kasing may nangungupahan dun sa property at yung dating may ari ay pumupunta lang dun para maningil, paano po kaya namin sila mapapaalis?
sir gaano po ba katagal ang approval ng pag-ibig? magkano po ba yung babayaran na 1yr advance insurance premium? may nabasa kc ako na dapat bayaran yun at yung 1month amortization? so incase nasa 300k ang total contract price nya, mga magkano po kaya ang magagastos namin sa pagprocess na lahat bago namin makuha ang title? anong document po ba ang dapat naming ipakita para makapag move in kami, para mapaalis ang kasalukuyang nakatira dun? totoo bang buwan din ang bibilangin bago kami makalipat?
sir tanung lng po meron po don samin abandon house pero dko po makita sa pag ibig ung list kung ano status ng bahay saan po ba pwede malaman status ng bahay,
Check niyo po muna kung sino may-ari, punta kayo sa city assessors office na nakakasakop sa property, sa tax-mapping section. Sabihin niyo gusto niyo mag due diligence sa isang property, tapos bigay niyo address. Sasabihin nila kung sino may-ari based on the tax declaration, pati na rin title number. Tapos punta kayo sa registry of deeds para makita kung sino may-ari based sa title, at kung kanino naka-mortgage (kung totoo nga na naka mortgage). Kung sa Pag-IBIG nga naka mortgage, pwede niyo check, tawag kayosa Pag-IBIG.
Hello! Maybi know if you have condos for bidding? Thanks!
Sir jay, tanung lang po what if hindi po kame yung former owner ng bahay pero willing po kame n i-apply sa pagibig yung bahay kaso my nauna na po sa amin na nakakuha ng bahay thru bidding. What if ibabalik po namin sakanila ang binayad nila? What will happen po kaya?
Bale kayo po yung naca-occupy? Try niyo rin po kahit hindi kayo yung former owner. Malay natin pumayag yung nauna magapply na tanggapin yung pera nila pag binalik niyo. Yun nga lang, hindi pa rin sigurado kung i-a-allow kayo ng Pag-IBIG, so tanong niyo na rin po para sure.
Sir ,yung downpayment po bang 10% isang bigayan lang po ba yun o pwede installment po
Ms. Yen, Isang bigayan lang po sa Pag-IBIG. Unionbank lang po ang alam ko na up to 6 months installment para sa down payment.
Hello sir Jay tanong lang po,pag na fireclosed ba property mo ng banco house and lot tapos nakabayad kana ng 5 years my makukuha kapa ba? Thanks
Hello sir Jay tanong lang po,kung sakali ba na ma foreclosed ng bank ang property na house and lot tapos nakapagbayad kana ng 5 years my makukuha paba po ba yong owner o yong borrower?thanks
What if po kung mkipag matigasan kame sknila? Kc gsto tlga namin mkuha itong bahay kme narin po kc ang ang nagpaayos nito as in lahat kme ang gumastos even ung tubig sa amin nakapangalan.. kuryente kc tlgang aapplayan namin ito.. nagkataon lng po na wla kme dito nung nagpa dala ng sulat yung pagibig.. anu pong maaari nilang gawin at wla na bang chance na makuha namin itong bahay?
Sa pagkakaintindi ko po nung last time nagbigay ng orientation ang Pag-IBIG sa brokers, binibigyan naman nila ng chance na makabili yung current occupant. Hindi ko lang po sure kung ano ang procedure, kaya ang suggestion ko po paki check sa Pag-IBIG directly.
Regarding kung makipagtigasan, kung ako po ang tatanungin ay mas maganda na try niyo muna makipag-usap ng mahinahon sa kanila at pati na rin sa Pag-IBIG, tapos banggitin niyo na na pinaayos niyo na ang bahay, yung sa tubig, kuryente, etc.
how can I avail?
Hi Roxanne, please refer to the invitation to bid (included with the listings that you can download above) for detailed instructions for interested buyers.
Hi! sir, Jay Castillo, Pwede ko po e story ko saYo kong papaano mo ako matututlongan sa problema in behalf of my pamangkin.Tungkol po ito sa property na napanalo sa bidding noon Oct.12,2016 ..Ganito po yon,last july/2016 dumating po yong Invitation to purchase sa kapaitbahay ,Tierra Nova royale Phase 2 block 6 lot 14 Bagumbong Caloocan City…yong nakatira na sia umuupa di po nakapag completo pasa ng docs for certain schedule…at binigay sa amin ,at pinuntahan po namin sa pagibig office Mandaluyong at binigyan kami ng form schedule of bidding Oct.12, 2016..interesado po kami. dahil sa location na ito ay corner lot at lot area of 103 sq.mtr.. total cash price 851.333.33… Nag bid BOND po kami sa halagang Php.90,000.00…nang pagkayari ng bidding na Notice po namin na ang address na naka lagay ay TIERRA NOVA ROYALE PHASE 1, BLOCK 6 LOT 14, sia po kami nagpaiwan at vrify kong bakit Phase 1 , last sept.15 na VALIDETED NA PO DAW SABE NILA, at PINUNTAHAN po namin agad, naku po!! kaharap ay creek at isa pa po ang mga nakatira doon umalis na at ala ng kapitbahay isa pa po madaming magnanakaw at addict……Sir,isa ito sa kadahilanan kong bakit hindi talaga magugustuhan…..In short we are asking to change the property na masatisfied naman kami dahil life time investment po ito…..OFW PO, AT INUTANG LANG ANG PERA SA KANYANG EMPLOYER..KAWAWA NAMAN… NAME: DAISY CANDOR CAMINA… SI MS. ROCIEL BRIONES po ang kausap dito pero ala pa pong responce…gusto ko nang lumapit sa 8888 o kaya direct to the office of the President duterte tungkol sa problema na ito…maraming acquired assest sila sana pagbigyan naman kami para mapapalitan ng hindi MASAYANG ANG PERA NA PINAGHIRAPAN…WE ARE ASKING YOUR HELP …THANK YOU AT MABUHAY PO KAYO…
Naku po Ms. Melinda, hindi naman tama na ibang property pala yung gusto ng pamangkin niyo, pero iba bigla ang naipanalo niyo sa bidding.
I-akyat niyo na po agad sa mas nakakataas sa Pag-IBIG. Dapat palitan yung property para yung makuha ng pamangkin niyo ay katulad nung nauna at talagang magugustuhan niya. Kung ayaw nila palita, dapat ibalik na lang yung Php90K.
Good day po sir jay. pwede po bang bayaran ng cash basis ang isang auction housing kung saan pag ibig branch gaganapin ang araw ng bidding nito? kailan pa po namin makipag bidding kung cash basis mo na yung property? pls advise. thank you sir in advance
Yes, pwede po ng cash-basis. Depende po sa list, may discount pag cash-basis. Paki-check na lang po yung “Invitation to bid” kung saan kasama yung gusto niyong property para sa details. Salamat!
good am…pwede po ba dito mag submit ng bidding sa ncr pero yung property na ipupurchase ko ay sa bicol?
Based on the guidelines, dapat po dun sa branch kung saan gagawin yung bidding, pero itawag niyo na lang po sa Pag-IBIG para sure.
good am sir!ask ko lang po what if ako lang yung nag bid dun sa property na napili ko,pwede po bang yung bid price ko lang ay kung ano mismo yung bid price ng pag ibig fund na nakalagay kasi wala naman ako ka compete…thank you and godbless
Pag wala pong kalaban, pwede po. Basta po hindi lower.
sir ask lang po pano kung yun may ari ng bahay pinaupahan yun bahay nila na niloan nila sa pag ibig tapos kami monthly nagbabayad sa kanila,eh nalaman namin matagal na pala sila ndi naghuhulog sa pag ibig.pwede ba namin yun sabihin sa pag ibig.
“Rent to own” po ba yan? Pwede niyo po sabihin sa Pag-IBIG, pero malamang sabihin nila na labas sila sa usapan niyo (kayo at ang may-ari), at ang kausap lang ng Pag-IBIG ay yung may-ari na nag loan sa kanila. Medyo dehado po kayo.
Pero itanong niyo na rin sa Pag-IBIG kung ano status nung property, baka naman po nag ne-negotiate yung may-ari.
Worst case eh baka po malapit nang ma-foreclose, or naforeclose na po yung bahay. Pag ganun eh lugi po kayo kasi baka hindi napo mabalik sa inyo yung binabayad niyo sa may-ari.
Thank you sa reply, maasahan po talaga kayo at nakaka tulong …actually po, i talk to Ms. Rociel Briones, who is encharge to bidding Dept yesterday thru phone ..sabe po na e akyat na daw nya yong letter at nasa table na po ni Bondador and she is waiting for it…only thing syempre worried pa din kami..upon tracing the phase 2 nasa clean title na pala yon..and it is now naka sangla in the bank …..we are asking the Pagibig to change the property if the cannot refund the money…before i ask Ms. Briones if ever if we are going to refund the money how much sabe out of 90k only 14thou… i replied WHAT??? you got the money easily as that??? my Godness….!!! sabe ko so change the property….we are thinking to go thru ask , last course ha!!! to call 8888….if might they can help us … Ang hirap naman pala kausap ang pag ibig with it comes to this kind of problems di sila agad nila binibigyan ng attention saman tala ang daming tao nila…in this matter kailangan pa ba magkaroon ng ganitong paguusap bago nila bigyan ng action???? issues and concerned ito pero bali ala nila.. Now i know i would advise the people to have Loan in the Bank not in the Pagibig it is more safe … kaya the Pagibig mas maraming forclosed properties than Bank its because of long range of payment seems become too expensive compare to the bank…correct me if i am wrong… Thank you so much..Mabuhay po kayo Sir.
You’re welcome po, pero sana maayos ang lahat. Curious po ako, bakit po kaya Php14K lang ang maibabalik?
QUESTION LANG ..ME CASE KASI NA YUN NAKABILI SINABI NILA SA PAG IBIG WALA NA DAW NAKATIRA DUN MATAGAL NA ,SILA NA YUN TUMIRA TAS INAPLYAN DAW KUNO NILA SA PAG IBIG KAYA NA-APPROVED SILA AGAD DAHIL SA DECLARATION NILA .MERON BA TALAGANG GANYAN KALAKARAN SA PAG IBIG?NI WALANG NOTICE NA BININIGAY?
Bale abandoned house na Pag-IBIG p ang may-ari, tapos may tumira dun, nag-offer sa Pag-IBIG, tapos na-approve ng Pag-IBIG?
Sir paano po kung ung gusto mong bilhing property is occupied? Hinid po b medyo hussle un? mhirap kcng mgpaalis ng mga tenant minsan cla pa ang matapang
Tama po kayo, hindi lang po hassle, delikado pa po yon (based on my own experience… hindi ko kasi alam na occupied pero nagpunta kami dun). Suggestion ko po iwas na lang pag occupied. Tsaka matatagal po yon , at malamang may kaso pa. Ibang property na lang.
salamat po tama pala ugn nasa isip ko
Welcome po!
Sir jay hindi po ba puede ung tanong ko? kc nawala po yata, me chance kayang maaprove ang isang individual sa pag ibig housing loan? kng hindi maganda ang record nya sa credit card?
Naku, kakasagot ko lang, sorry ini-isa-isa ko kasi
sir jay, hoping po sa feedback…pls…
Eto po ulit yung sagot ko: kung kagaya sila ng mga bank, makikita nila yon (yung record niyo sa credit card), at pwedeng hindi ma-approve dahil dun. May friend ako ganun ang nangyari, pero bank yon. Bale binayaran niya in full yung credit card niya, tapos na-approve na yung home loan niya.
pagkaalam ko po ganun nga po sa bank, salamat
Welcome po
also ano po pagkakaiba ng foreclosed sa acquired assets?
Technically pareho lang po sila. Once a property has been foreclosed by a bank/lender and property ownership has been transferred to thr bank/lender after the redemption period, then the bank/lender has already “acquired” the property, and is already part of their acquired assets or foreclosed property inventory.
Hi sir Jay, ask ko lang po puede or me chance po bang maaprove ako sa
pag ibig housing loan kaht not in good standing ako sa credit card? pero good standing nman ako sa pag-ibig ko
Hi sir Jay, ask ko lang po puede or me chance po bang maaporve ako sa pag ibig housing loan kaht not in good standing ako sa credit card?
Naku, kung kagaya sila ng mga bank, makikita nila yon, at pwedeng hindi ma-approve dahil dun. May friend ako ganun ang nangyari, pero bank yon. Bale ninayaran niya in yung yung credit card niya, tapos na-approve na yung home loan niya.