Riceland for Sale

Location:Tongantongan, Valencia City, Bukidnon

Fixed Price: P800,000 per hectare
Lot area: 10 hectares
* Have own irrigation by NIA
*Near Barangay road
* With Clean Title
For more details and for site tour assistance, please contact Junalo Sagala at Mobile #: +639354755361







Commercial Lot for Sale

Location: Bagonta-as, Valencia City, Bukidnon

Selling Price: From  P550,000
Buyer will shoulder the transfer of title

Lot area: 61 sqm.
*With clean title
*Good location for business and residential

Schools nearby
1) Central Bukidnon Institute
2) Emeu Gequillana Memorial Academy
3) Bukidnon Faith Christian Academy-BFCA
4) Bagonta-as Central Elementary School
5) BUKLA SDA Elementary School
6) MVC Annex



House for Rent

Looking for House for Rent in Malaybalay City?

Here is a house for rent located in Casisang, Malaybalay City, Bukidnon.


*Single dettached model

*2 Bedrooms

*With tiles, shower and 1 cr using flush bowl type

*Lot area: 150 sqm.

Floor area: 40 sqm.

Minimum of 1 year contract

Monthly Rental: P10,000

One month advance, two months deposit





Pag-ibig Housing Loan VS A Bank Loan



  1. Must be a member, and must have 24 monthly contributions to qualify. Members can pay 24 months in a lump sum.
  2. Not more than 65 years old
  3. No existing multi-purpose loan in arrears
  4. No other PAG IBIG housing loan that had been foreclosed, cancelled or bought back


    1. No membership needed, no contributions required, no need to have a savings account
  • Must be Filipino citizen, or have a Visa requirement for foreigners
  • Must have a monthly family income of Php40,000.00
  • Must have a stable source of income, must have stayed at least 2 years in the current company or have 3 years of profitable operation if running a business orpractising profession.

 Loan Purposes


  1. Can be used to purchase a lot not exceeding 1,000 sq. Meters.
  2. Can be used to purchase town house or condominium.
  3. Can be used to complete construction.
  4. Refinancing.


  1. Can be used to purchase a town house, condominium unit.
  2. Can be used to finance housing construction.
  3. Can apply for re-financing.
  4. Also offer home equity service.

How Much You Can Borrow


  1. Maximum of Php6,000,000.00
  2. Subject to other qualifiers like the actual need of the member, capacity to pay.


  1. Some banks offer a minimum of PHP 300,000.00 some offer minimum of PHP 500,000.00.

Loan Appraisal Value Ratio


  1. Loans not lower than Php400,000, 100%
  2. Loans more than Php400,000.00, 90%


1. Some banks offer 80% – 90%, some banks offer as low as 70%.

Interest Rates (subject to change)


  1. 6.99% for the first three years, subject to re-pricing up to 11.375% (30 years).


  1. Some banks offer as low as 5.50% for the first year, subject to re-pricing.
  2. Some banks offer a fixed rate of 6 – 7.5% for the first 5 years also subject to re-pricing.
  3. Due to regular re-pricing, on 20th Year, banks offers an average of 9- 12% interest rate.

Repayment Process

PAG IBIG  Maximum of 30 years


5 –  35 years



  1. Pag Ibig Housing Loan Application Form
  2. Membership Status Verification Slip
  3. TCT/CCT in the name of the borrower
  4. Photocopy of the New Tax Declaration
  5. The Collection Servicing Agreement or Post dated checks
  6. Proof of billing address
  7.  Notarized Loan and Mortgage Agreement
  8. Notarized Promissory Note
  9. Disclosure Statement on Loan Transaction
  10. Occupancy Permit (if applicable)
  11. Building Plans (if applicable)
  12. Deed of Absolute Sale (if applicable)


  1. Application form
  2. Photocopy of government issued ID with photo & signature
  3. Marriage contract if applicable
  4. Alien Certificate of Registration for foreigners
  5. ITR for employees
  6. Last 3 months of payslips or Certificate of employment for employees
  7. Business Registration Papers for businessmen
  8. Financial Statements  for businessmen
  9. Bank Statements for businessmen
  10. Trade References for businessmen
  11. Lease Contracts or copy of Title for businessmen
  12. Photocopy of TCT/CCT
  13. Building plan with vicinity map
  14. Master of Deed of Declaration of Restrictions for condominiums
  15. Building plan for construction
  16. Bill of materials and Labor Cost
  17. Statement of Account for Refinancing

Miscellaneous Fees


  1. Php 1,000 during loan application
  2. Php 2,000 before the release of loan


  1. Appraisal Fee of Php3,500 – Php4,000.00
  2. Handling Fee of Php5,000.00
  3. Notarial Fee of Php 500
  4. Registration Fee
  5. Doc Stamps Tax

Insurance Needed


The insurance premium will be included in monthly amortization


  1. MRI or Mortgage Redemption Insurance in the case of death before the full payment of the loan
  2. Fire Insurance

Processing Time


15 business days


5 – 7 business days

Eligibility Requirements to Qualify for a Pag-ibig Housing Loan

To qualify for a Pag-IBIG housing loan, a member shall satisfy the following requirements:
  1. On Pag-IBIG Membership
    • Must be a member under the Pag-IBIG I, Pag-IBIG II or Pag-IBIG Overseas Program (POP) for at least twenty-four (24) months, as evidenced by the remittance of at least 24 monthly contributions at the time of loan application.
    • A member with less than the required number of contributions applying for a Pag-IBIG housing loan shall be allowed to make lump sum payment based on the mandatory monthly membership contribution rates (both EE and ER share) to meet the said requirement at point of loan application provided he has been a contributing member of the Fund for at least twelve (12) months. Lump sum payment of membership contributions shall be considered a single contribution for the applicable month as of the payment date.
    • A member whose loan exceeds P500,000.00 shall be required to pay the upgraded membership contribution rates upon housing loan approval and onwards.
    • A member who has contributed for at least two (2) years and whose loans exceed P500,000.00 shall be required to pay the upgraded contribution rates upon housing loan approval and onwards.For purposes of satisfying the required two (2) years membership contributions, the member may opt to pay in lump sum any amount short of the said requirement. In addition, the period corresponding to the TAV applied earlier to an outstanding loan shall also be considered when counting the total number of monthly contributions, provided the remaining TAV after offsetting does not fall below the equivalent amount of two (2) years membership contributions.
  2. Not more than sixty-five (65) years old at the date of loan application and must be insurable; provided further that he is not more than seventy (70) years old at loan maturity;
  3. Has the legal capacity to acquire and encumber real property;
  4. Has passed satisfactory background/credit and employment/business checks of the Pag-IBIG Fund;
  5. Has no outstanding Pag-IBIG housing loan, either as a principal borrower or co-borrower;
    However, should a co-borrower in a tacked loan signify an intention to avail of a Pag-IBIG housing loan for himself, he shall be allowed to do so provided the tacked loan is updated and the amount proportionate to his loan entitlement has been fully paid. Hence, the co-borrower shall be released from the original obligation and shall be allowed to avail of his own Pag-IBIG housing loan, subject to standard evaluation procedures.
  6. Had no Pag-IBIG housing loan that was foreclosed, cancelled, bought back due to default, or subjected to dacion en pago, which shall include cases where the borrower is no longer interested to pursue the loan and surrenders the property;
  7. Has no outstanding Pag-IBIG multi-purpose loan in arrears at the time of loan application. A member whose multi-purpose loan is in arrears shall be required to pay his arrearages over the counter to update his account.

Online Membership Registration for OFW Pag-ibig Fund POP


    1. Visit the HDMF official website
    2. Click on e-services.
    3. Depending on your status, you can register as a new member, update information using your POP temporary ID Number or Pag-ibig Membership ID (MID).
    4. Fill in the required information.  All are required to have a MID.
    5. If you dont have a MID, then you have to wait for two days before you get one.  A text message will be sent to your nominated mobile number with a transaction number that you can use to get updates on the status of your MID application.
  • Once you have your MID, you can now access the other e-services available for OFW.
More update soon.