Affordable House and Lot Cavite area

29/06/2025

29/06/2025

‼️✅ZERO CASHOUT PROMO
✅NO DOWNPAYMENT/NO EQUITY
✅NO RESERVATION FEE


PAGSIBOL PREMIER DUPLEX HOME
2-storey duplex
Lot Area: 54 sqm📐
Floor Area: 45.5 sqm
Sa Premier Duplex Home, meron ka nang:
✔️ Durable finishes for walls, doors and windows
✔️ Functional kitchen, spacious dining and living areas, plus toilet and bath
✔️ Tiled ground floor and painted interios
✔️ Ceilings for both ground floor and second floor✔️ Wood planks from stairs to the second floor with bedrooms-ready layout
✔️ Plus: cemented parking and service areas, and more features for your family to enjoy.

📍Available sa Pampanga, Cavite at , Rizal, —malapit sa Metro Manila pero may peace ng probinsya.Para sa mga lumalaking pamilya, OFWs, at local employees na gusto nang magkabahay at lupa.
Tara na pm for tripping.

26/06/2025

𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗹𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱

A few years ago, we finally took the big leap kumuha kami ng bahay sa isang subdivision through PAG-IBIG Housing Loan.

First home. Dream achieved.

Pero after a few months of paying our monthly amortization, napapaisip na ako…

“Bakit parang hindi gumagalaw yung utang namin?”

Kaya nagtanong ako directly sa PAG-IBIG office. At doon ko nalaman ang totoo. 💔

⸻

📌 MONTHLY AMORTIZATION BREAKDOWN…SURPRISING ’TO!

We were paying ₱14,930.21 every month.

I thought malaking part nun napupunta sa principal. Pero eto ang actual breakdown:
-₱11,979.17 – Interest
-₱235.80 – Fire Insurance
-₱360.00 – MRI (Mortgage Redemption Insurance)
-₱2,355.24 – Principal

Yes. Out of almost ₱15,000, only ₱2K+ goes to the loan itself.
The rest? Sa interest. Sa insurance. Sa charges.

⸻

Paano Kinocompute ang Interest?

Let’s break it down:
• ₱2.5M loan
• 5.75% annual interest
• Divided by 12 months

👉 ₱2,500,000 × 5.75% ÷ 12 = ₱11,979.17 Monthly Interest

Kaya ang tagal bago bumaba ng utang.

Over time naman, your monthly payments will shift.
Unti-unting bumababa ang interest, habang tumataas ang nababawas sa principal.

Sa sinula, halos puro interest muna ang binabayaran mo.

But here’s the good news: may paraan para pabilisin ’yan.

⸻

BAYARAN ANG PRINCIPAL, NOT JUST THE MONTHLY

If may extra cash, wag ka muna mag-upgrade ng phone. 😅
Go to the PAG-IBIG office, and say:

👉 “Direct to Principal Payment po.”

Example:
- Monthly due: ₱14,930.21
- Binayad mo: ₱50,000
- ₱14,930.21 = regular monthly payment
- ₱35,069.79 = goes straight to principal

Meaning, lumiliit ang utang mo. Mas maliit na interest next month. Mas mabilis mong matatapos ang loan.

⸻

🚫 DON’T DO THIS IN PAYMENT CENTERS

If you pay ₱50,000 sa Bayad Center, it will just cover the next few months’ dues.

No impact sa principal.

So yes, advance ka nga—pero mabagal pa rin ang bawas sa utang.

⸻

Always monitor your loan online via Virtual PAG-IBIG.
They don’t send monthly bills, so ikaw mismo ang dapat mag-track.

⸻

My Realization:

Pag hindi mo intindihin kung paano gumagana ang housing loan mo,
years will pass… and you’ll wonder why you’re still paying a mountain of debt.

Kaya if you’re in the same boat as us…please, learn from our journey.

Don’t just pay. Pay smart.

⸻

Financial literacy is not a luxury. It’s survival.
Let’s share this with other homeowners…lalo na yung mga first time.

God bless sa lahat ng may bahay pero may bayarin pa. 😅 makaka-fully paid din tayo 🙏☝️

26/06/2025

Tripping and reserve Pagsikat place timog Naic Cavite salamat po mam at sir Sembrano da pag avail Ng unit 4 k cash out.

26/06/2025

Tripping at reserve Ng pagsibol premier NAIC Cavite
Salamat po SA family Item SA pag avail Ng unit at tiwala nyo SA akin.

23/06/2025

Naghahanap Kaba Ng mabilis makalipat
Ready for Occupancy na
Dito SA Pasinaya homes timog kana Kong ang inyong monthly salary ay 15 k pataas pwede kana maka housing loan basta employed at members Ng pag ibig.

23/06/2025

Pagsikat place timog
Brgy Muzon Naic Cavite

Actual turn over na po Yan Ngayon December na lipat mo Kaya
Pm na habang Naka promo pa kami


Pag ibig financing only
Kong ikaw ay nka 24 months contribution pataas pwede kana maka housing loan.
Gamitin mo na

22/06/2025

PROMO! PROMO! PROMO!

Rent to Own house house and lots BA hanap mo na walang down payment
Dito kana SA
pagsibol primeir duplex

Located :
NAIC Cavite
Magalang Pampangga
Murong Rizal
Complete turn over na sya
Habol na habang Naka promo pa Kami Ngayon December na yarn
TCP.1.7 m
Lot area 54 sqm
Floor area 45,5 sqm
With parking area
Pag ibig financing only
Pm for more info