Lyza - Real Estate Agent

🏠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 Know your Developer's Housing 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.
Insurance pays for the damage, but your loan stays until the lender is fully paid.
Protect 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 your Housing insurance + Acts of Nature coverage.

📣 KA-APEC, ATTENTION!

Magandang balita! 🎉
Magkakaroon tayo ng RE-OPEN UNITS sa mga piling APEC Homes projects ngayong October 13, 2025!

🕘 Schedule:
9AM – Centennial de Calamba - Brgy. Looc Calamba, Laguna
11AM – Citadel Residences 1 - Brgy. Uwisan/Mamatid Cabuyao, Laguna
1PM – Citadel Residences 2 - Brgy. Uwisan/Mamatid Cabuyao, Laguna
2PM – Victoria Townhomes - Brgy. Pooc Sta. Rosa, Laguna
3PM – Morgan Residences - Brgy. san Bartolome Sto Tomas, Batangas

📍Available only thru online portal at www.apechomes.com

Don’t miss this chance to reserve your dream home — limited units only!
Tara na mga Ka-APEC, let’s go and sell, sell, sell! 💪🏡

APEC Homes – Trusted Home Builder TRUSTED HOME BUILDER Hawak ang mahigit dalawang dekadang karanasan sa real estate industry, isa kami sa mga kinikilalang subdivision developers ng bansa. Patunay nitong 2018, kami ay pinarangalan ng Pag-IBIG Fund bilang Top 2 Developer(Corporate-wide) sa buong Pilipinas

Payo sa Pagpili
Kung gusto mo ng pinakamurang monthly payment at pangmatagalang loan, Pag-IBIG ang ideal.

Kung may magandang credit score at gusto ng mas flexible terms, Bank Loan ang mas okay.

Kung kailangan mo ng madaliang approval at agad na occupancy, In-House Financing ang sagot.

🏠 Pag-IBIG Housing Loan
✅ Mga Benepisyo:

Pinakamababang interest rate (3%–6.5% kada taon para sa Affordable Housing Program)

Pinakamahabang loan term – hanggang 30 taon

Government-backed kaya mas accessible sa mga minimum wage earners o informal workers

⚠️ Mga Limitasyon:

Mahaba at mas mahigpit ang application process

Maximum loanable amount: ₱6 milyon

Kailangan ng aktibong Pag-IBIG membership at regular na kontribusyon

Best for: Mga may stable na income, active Pag-IBIG members, at gustong magbayad ng mas mababa buwan-buwan.

Kung may tanong ka, imessage mo ako para matulungan kita.

Ano ang mas mabuting paraan kung mag avail ng housing loan? Pag-Ibig? In House? Bank Loan?

Ang pagpili ng tamang housing loan ay depende sa iyong sitwasyon, kakayahan sa pagbabayad, at pangmatagalang layunin. Narito ang isang malinaw na paghahambing ng tatlong pangunahing opsyon sa Pilipinas:

🏠 Pag-IBIG Housing Loan
✅ Mga Benepisyo:

Pinakamababang interest rate (3%–6.5% kada taon para sa Affordable Housing Program)

Pinakamahabang loan term – hanggang 30 taon

Government-backed kaya mas accessible sa mga minimum wage earners o informal workers

⚠️ Mga Limitasyon:

Mahaba at mas mahigpit ang application process

Maximum loanable amount: ₱6 milyon

Kailangan ng aktibong Pag-IBIG membership at regular na kontribusyon

Best for: Mga may stable na income, active Pag-IBIG members, at gustong magbayad ng mas mababa buwan-buwan.

🏦 Bank Financing
✅ Mga Benepisyo:

Competitive interest rates (mas mababa kaysa in-house, pero kadalasang mas mataas kaysa Pag-IBIG)

Flexible loan terms (5–30 taon)

Mas mataas ang maximum loanable amount depende sa bank at credit score

⚠️ Mga Limitasyon:

Mas mahigpit ang credit investigation

Kailangan ng magandang credit standing at kumpletong dokumento

Best for: Mga may mataas na credit score, stable na trabaho, at gustong mas mabilis ang approval kaysa Pag-IBIG.

🏢 In-House Financing (galing sa developer mismo)
✅ Mga Benepisyo:

Pinakamabilis na approval – kaunting requirements

Direktang transaksyon sa developer, walang third-party lender

Puwedeng agad makalipat sa unit

⚠️ Mga Limitasyon:

Pinakamataas na interest rate sa tatlong opsyon

Maikling loan term (karaniwan 5–10 taon)

Mas mataas ang monthly amortization

Best for: Mga hindi ma-approve sa bank o Pag-IBIG, o gustong makalipat agad kahit mas mahal ang bayad.

Send a message to learn more

🏠𝐖𝐇𝐈𝐒𝐓𝐋𝐄𝐑 𝐕𝐈𝐋𝐋𝐀𝐆𝐄 🏠
📍Brgy. Marinig, Cabuyao, Laguna

‼️ Additional units with the 𝐋𝐎𝐖𝐄𝐒𝐓 𝐄𝐐𝐔𝐈𝐓𝐘 will be available on 𝐒𝐞𝐩𝐭𝐞𝐦𝐛𝐞𝐫 𝟐, 𝟐𝟎𝟐𝟒, 𝐚𝐭 𝟏𝟎𝐀𝐌 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐭𝐡𝐞 𝐀𝐏𝐄𝐂 𝐎𝐍𝐋𝐈𝐍𝐄 𝐏𝐎𝐑𝐓𝐀𝐋 ‼️

Available Units:
🏠 𝐓𝐨𝐰𝐧𝐡𝐨𝐮𝐬𝐞 & 𝐓𝐨𝐰𝐧𝐡𝐨𝐮𝐬𝐞 𝐰𝐢𝐭𝐡 𝐂𝐚𝐫𝐩𝐨𝐫𝐭
💰Reservation fee: 𝐏𝟔,𝟑𝟎𝟎.𝟎𝟎
🏠 𝐃𝐮𝐩𝐥𝐞𝐱 𝐰𝐢𝐭𝐡 𝐆𝐚𝐫𝐚𝐠𝐞 (𝟒𝟓.𝟓𝟎 / 𝟓𝟎.𝟎𝟎 / 𝟓𝟓.𝟓𝟎)
💰Reservation fee: 𝐏𝟏𝟓,𝟑𝟎𝟎.𝟎𝟎

Ang project na ito ay 𝗮𝗰𝗰𝗲𝘀𝘀𝗶𝗯𝗹𝗲 𝗮𝘁 𝘄𝗶𝘀𝗲 𝗮𝗻𝗴 𝗹𝗼𝗰𝗮𝘁𝗶𝗼𝗻 sa mga sumusunod:
1. DALI Grocery Store - 100m
2. ALFA Mart - 140m
3. Marinig National High School - 250m
4. Holy Rosary Chapel - 400m
5. Queen Aurora Garden Resort - 450m
6. North Marinig Elementary School - 600m
7. Cabuyao Fish Port - 800m
8. Marinig South Elementary School - 1.1km
9. Health and Day Care Center - 1.1km
10. St. Bartolome Church - 1.1km

‼ 𝐁𝐔𝐘𝐄𝐑𝐒 𝐏𝐑𝐎𝐌𝐎 ‼
✔ 𝐅𝐫𝐞𝐞 𝐠𝐚𝐫𝐛𝐚𝐠𝐞 𝐟𝐞𝐞, 𝐒𝐭𝐫𝐞𝐞𝐭𝐥𝐢𝐠𝐡𝐭𝐬 𝐠𝐨𝐨𝐝 𝐟𝐨𝐫 𝟏 𝐲𝐞𝐚𝐫, 𝐚𝐧𝐝 𝐅𝐫𝐞𝐞 𝐞𝐥𝐞𝐜𝐭𝐫𝐢𝐜 𝐜𝐨𝐧𝐧𝐞𝐜𝐭𝐢𝐨𝐧 𝐟𝐞𝐞 𝐮𝐩𝐨𝐧 𝐭𝐚𝐤𝐞-𝐨𝐮𝐭.
✔ 𝟏𝟎𝟎𝐤 𝐓𝐂𝐏 𝐝𝐢𝐬𝐜𝐨𝐮𝐧𝐭.


Message us for more details:
09171458357