PD5 properties

20/12/2025

Wise Ways to Use Your 13th Month Pay 💡

Your 13th month pay is a great opportunity to secure your future. Instead of spending it all at once, try using it wisely:

1. Save First 💰
Set aside a portion for emergency savings. This helps you stay prepared for unexpected expenses.

2. Start or Grow Investments 📈
Consider low-risk investments like mutual funds, time deposits, or other beginner-friendly options. Even small amounts can grow over time.

3. Think About Real Estate 🏠
You can use your 13th month pay as a down payment, reservation fee, or savings toward future property ownership.

4. Balance Wants and Needs ⚖️
It’s okay to reward yourself—but make sure savings and investments come first.

Small smart decisions today can lead to a more secure tomorrow. Use your 13th month pay wisely! ✨

11/12/2025

📣VELMIRO HEIGHTS CONSOLACION PHASE 2 – OFFICIALLY OPEN!

If you’ve been dreaming of a premium hillside home with a modern design, peaceful community, and a view that makes you say “Pwede ra ko diri!” — then THIS IS IT.

🏡 Why Velmiro Heights Phase 2?
✨ Elevated location — fresh air, relaxing view
✨ Modern Filipino-inspired homes
✨ Wider roads & safe community
✨ Perfect for families who want SPACE + PRIVACY
✨ Strategic location — near schools, malls, hospitals, everything!

This is your chance to be part of a residential community in Consolacion. Units are LIMITED — first come, first served basis

📩 Message us NOW for the full computation, sample photos, and site tour schedule.
Let’s turn your dream home into a REAL ADDRESS. 🏠✨

13/11/2025

🚧 Too Late in the City? Go West. 🚧
Toledo is the next move — and MyCollex Westhomes is your entry point.
If you missed the early days of Talisay, Minglanilla, or Consolacion, don’t miss this one. Smart investors are already shifting their focus west.

Here’s why:
🏠 Modern Townhouses and Single Detached Houses at pre-developer prices — still in the early phase
📍 Strategic Location: Access to major highways, schools, and commercial zones in Toledo
💸 Low Monthly Equity: As low as ₱7,700/month — this is built for working professionals and OFWs
📈 Massive Upside: Toledo is seeing infrastructure upgrades, business growth, and rising land value
✅ Safe Bet: Pag-IBIG and bank financing available, with flexible terms

📲 DM us “WESTHOMES” and I’ll send you:
• Updated price list
• Full computation
• Site photos + unit availability

08/11/2025

What Happens to your housing loan if your house gets damaged by a typhoon or flood? 🤔🏠🌊

🏠💡 Did you know?

Even if your house gets damaged or destroyed by a typhoon, earthquake, or flood…
👉 You STILL owe the bank or Pag-IBIG.
Yes — even if your home is gone, your housing loan doesn’t disappear.

You borrowed money, and that loan remains your responsibility until it’s fully paid.

That’s why when you buy a house through Bank Financing or Pag-IBIG, having the right insurance coverage is a must!

Here’s what every homeowner should understand 👇

🏦 1️⃣ MRI (Mortgage Redemption Insurance)
This protects your family if something happens to you (the borrower).

If you pass away before the loan is paid off, the MRI settles the remaining balance — so your loved ones won’t inherit the debt or risk losing the home. 🙏

🌪️ 2️⃣ Fire and Acts of Nature (AON) Coverage
This protects your property itself — in case it’s damaged or destroyed by fire, earthquake, flood, or typhoon.

Without this, the bank or Pag-IBIG will still collect loan payments even if your house is unlivable. 😢

📋 Here’s how it works:
✅ You file a claim for the damage.
✅ The insurance company pays the bank or Pag-IBIG directly (since your property is the collateral).
✅ If the claim amount covers your remaining loan — good news, your loan is settled!
✅ But if it’s less, you’ll have to pay the difference.

💡 Real talk:
Insurance pays for the damage, but your loan stays until the lender is fully paid.
MRI protects your family, and AON protects your home. Both are essential for your peace of mind and financial security. ❤️

✨ Tip:
Whether your home is under Bank or Pag-IBIG financing, review your insurance today.
Make sure you’re protected with MRI + Acts of Nature coverage.

Photo credits to the owner.

27/10/2025

LIVE THE RESORT LIFE AT COSTA MIRA BEACH TOWN, PANGLAO! 🌴

Own your slice of paradise for only ₱15,000 this October 30, 2025 — and take your time to prepare!

📅 Next payment: ₱15,000 on November 30, 2025
💰 First equity: December 30, 2025

✨ Don’t wait — this limited-time offer lets you secure your dream beach home today!

📩 Message us now and make resort living your everyday reality.

23/10/2025

18/10/2025

Thinking about city living? Discover the smart choice—condo living in Cebu offers unbeatable convenience, comfort, and lifestyle perks. 🏙️

Here are a few key advantages:

✔️ Prime Location
Live close to malls, offices, schools, and everything you need!

✔️ 24/7 Security
Feel safe with guards, CCTV, and secured entrances.

✔️ Modern Amenities
Enjoy pools, gyms, lounges, and more — right where you live.

✔️ Low Maintenance
No need to worry about repairs or landscaping — it’s all taken care of!

✔️ Great Investment
Earn rental income or watch your property value grow.

💡 Ready for convenient, secure, and stylish living?
Start your condo journey today!

15/10/2025

🌄 Imagine living above the clouds... in
Minglanilla Highlands.

Your next home might jus be minutes away from Cebu City.

Let me tell you why smart investors are moving *south.*👇

✅ Prime Location
Nestled in Tubod, Minglanilla – Worlds away in terms of peace, air quality, and scenery.
✅ Masterplanned by World-Class Developers
This isn’t your typical subdivision. Minglanilla Highlands is designed for lifestyle, sustainability, and long-term value.
✅ Tourism + Residential in One
We're talking about a township vision – with its own wellness facilities, lifestyle hubs, even a pilgrimage site and cultural center. This is not just land; this is a future landmark.

Few units left, Let's chat for more reference and reservation process 📱

13/10/2025

Who’s Responsible for Earthquake Damage in a Condo? 🤔

1. Common Areas (building, roof, hallways, etc.)
➡️ Condo Corporation or HOA handles repairs.
✅ Covered by master insurance if earthquake coverage is included.

2. Inside Your Unit (walls, floors, furniture, belongings)
➡️ Unit owner is responsible.
✅ Personal insurance helps if it includes earthquake coverage.

3. If the Building is Unsafe
➡️ Residents evacuate.
➡️ Condo Corp handles inspections and claims.
➡️ Costs may be shared if not fully insured.

4. Tips for Owners & Tenants
✔️ Check if the condo’s insurance covers earthquakes.
✔️ Get your own coverage if needed.
✔️ Tenants: confirm what’s covered in your lease.

07/10/2025

📣 INVESTORS ALERT❗

GUADA VERDE TOWERS has officially arrived — and the wait is OVER!

✅ LTS Now Released
📅 Reservation is finally open
💵 CASH RESERVATIONS ONLY

Be among the first to secure a unit at Guada Verde — the next sought-after address in the city!
Whether you're investing for future gains or claiming your dream space, this is your opportunity.

📍 Limited slots available — don’t miss out!

✅ Prime Location
✅ High ROI Potential
✅ Backed by a Trusted Developer

Let's chat for more details and reservation process 📱

28/09/2025

Dear Clients,

Please don’t be offended when we as agents ask about your income—it's a necessary part of our qualification process.

Pre-qualification helps us understand your financial position so we can guide you toward properties that align with your budget and financing options

Let’s break it down:

📌 AGE
There’s an age limit when applying for a property.
If you’re under 38 years old, you qualify for the 30-year payment term, which offers the lowest monthly amortization.
Pag-IBIG allows housing loans only up to age 70.

📌 CIVIL STATUS
Please be honest.
Only those who are Single, Married, or Widowed can avail of a housing loan.
If you’re Separated, you must be legally separated.
Otherwise, Pag-IBIG or bank financing won’t be possible unless your ex-partner agrees to submit the required documents.
In this case, In-house Financing or Deferred Cash may be your alternative options.

📌 NATURE OF WORK
Yes, we need to know your job so we can prepare the correct requirements for you. 😊

📌 BASIC MONTHLY SALARY
We ask this not to pry, but because every property has different salary requirements depending on its type and location.

📌 LOCAL EMPLOYED or OFW
We also need to know this because the requirements differ for locally employed individuals and OFWs.

📌 PAG-IBIG MEMBER?
If you prefer Pag-IBIG Financing (which offers the lowest interest rates), being a member is a must.

📌 AT LEAST 24 MONTHS CONTRIBUTION?
Pag-IBIG requires at least 24 months of contributions.
If you haven’t reached that yet, you can do a lump sum payment or update your account if you’ve stopped contributing.

📌 FIRST TIME TO AVAIL PAG-IBIG HOUSING LOAN?
Please be honest.
Those who are blacklisted by Pag-IBIG are no longer eligible.

Let's ensures we’re using everyone’s time efficiently and focusing on homes that are realistically within reach. Our goal is to support you in a smooth and successful buying journey.

08/09/2025

Construction Update: 🏗️
Costa Mira Beachtown - Panglao

Looking for a tropical paradise that offers a unique blend of financial opportunity and lifestyle enhancement?

Reasons why you should invest in Costa Mira Beachtown Panglao 📝

✅ Great location, within reach to the major establishments such as Malls and Airport
✅ The Island is a tourist haven! 4 direct flights from South Korea EVERYDAY! ✈️

📌Reservation fee : P30,000.00
STUDIO | 1-BEDROOM | 2-BEDROOM

📣Last 33 units left! Hurry get your own piece of paradise ‼

Let's chat for more details and reservation proces. 🙋🏻‍♂ 📲