No Hidden Fees - CEBU

20/07/2025

"From house hunting to closing day—you made it! I’m so proud to have been part of this milestone in your life. Here's to a fresh start and a beautiful new chapter."

20/07/2025

✅FREE PARKING
PAG-IBIG 15K/month
Located in Suba BasBas LapuLapu City
✅FREE Split-type Aircon
✅FREE Washing Machine
✅FREE Refrigerator
✅FREE Range hood
✅NO move in fee
✅NO Transfer charges
✅AirBnB Ready!
Studio Unit w/ Balcony
28sqm
AMENITIES:
• GYM
• Rooftop bar
• Swimming pool
• Basketball Court
• Commercial Area
For reservation :) please send us a message!

19/07/2025

27/06/2025

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 tubo. 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 pala ang tagal bago bumaba ng utang.
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.

02/06/2025

ProNVest

28/04/2025

I’m truly grateful for the trust you’ve given me!
Congratulations on your new condo! 🏡✨
Wishing that your new home brings you comfort, joy, and countless beautiful memories. All the best as you settle in and make it your own! 🎉

26/04/2025

Truly grateful to my new clients, Sir and Ma'am! 🙏✨
Congratulations on the purchase of your new condo unit. This milestone is a wonderful reflection of your hard work and dedication.
Wishing you all the best as you start this exciting new chapter in your cozy new home 🏡❤️

Cheers to new beginnings! 🥂🎉

16/04/2025

Mapuy-an na this August
10 minutes to IT Park
21.33sqm : 19,947k/mo for 20 yrs
@ Salinas drive, Lahug, Cebu Cilty
For Reservation Please contact
Jay-Arne Nugas / 0916 737 0809