Bahay Financial Services (BFS) Pre-owned Properties for Sale (January 2009)

is BFS only for real estate agents or do they sell to individuals who wish to purchase a property? i tried emailing them kasi, wala naman sumagot…

Hi Dins, yes they sell directly to individuals. I would suggest you give them a call. Just like most banks, they probably take a long time to respond to e-mails.

i saw a property at the same village listed at national homes and BFS, lumalabas mas mahal pa yung sa BFS, although ang kunswelo na lumalabas eh vacated na yung property ng BFS unlike sa national homes.

Saang area yan Betty in particular? Malaking bagay din yung unoccupied na ang property. It could take more than a year for ejectment cases to prosper.

sa dasma,cavite…in summerwind in particular.
nag ocular ako dun, very disappointing kasi nga occupied pa yung property ng national homes unlike sa BFS eh vacated na..parang over 50% ang tinaas ng BFS.

Hi Betty, is the national homes you are referring to the same as National Home Mortgage Finance Corp. (NHMFC)?

opo yun nga po. hehe mali ba pag explain ko? basta kasi national homes lang natandaan ko, yung office nila sa may tabi ng creek sa may makati.

Ah okay, tama naman, sinisigurado ko lang. Thanks Betty!

hi mr Jay, tanong ko lang po kung pwede pang mag habol yung dating may ari yung property pag fully paid na po ng buyer.And pano rin po pag dipa fully paid yung property pwede pa rin po basila mag habol?

Hi Jerrell, if tapos na yung redemption period, wala nang habol yung dating may ari. If I’m not mistaken with the legal terms, the redemption period is one year after the execution of the foreclosure. Kahit hindi pa fully paid ang new owner, basta nag lapse na yung one year na redemption period, wala na ring habol ang previous owner. Usually the banks would inform interested parties if the redemption period has lapsed or not pero it would be better to double check, just to be sure. Thanks for visiting!

hi jay!
im not really good at this… for you, ok ba ang BFS?
thanks!

hello!mr.Jay,saan at sino po pwede kusapin about pre owned properties?pls reply me…thanks…vilma

@Katrina, I haven’t bought any properties yet through BFS as I often see that the properties in my area of focus have already been sold or reserved. I do noticed that they really are quite cheap. I also know a fellow investor who has bough 2 properties from them in the Rizal area and he says he ended up with good investments. Thanks for the visit!

@Vilma, I personally don’t know anyone at BFS but you may inquire directly through the following:
Trunk Line:+63 (2) 750-3888
Fax Number:+63 (2) 756-6247
E-mail Address:info@bfs.com.ph
Address: 24th Floor, BPI Buendia Center, Sen. Gil J. Puyat Avenue, Makati City, Philippines 1200

Thanks for dropping by!

sir/mam im a interested about preowned properties would u mind send me some listings location from cainta rizal and camella ridgeview muntinlupa estimating amount to at least 200 k thanks kindly email me to nel2328@yahoo.com waiting for your immediate response…

Hi Anonymous, actually you can download the listings directly from BFS but if you are having problems downloading it, I’ll just send you an updated list through e-mail. Thanks for visiting!

Mr. Jay, usually po, ano ung mga things in consideration para ma-approve, if sakaling bibili ka ng property sa BFS? thanks!

Good day Sir Jay!
Bakit may redemption period? Paano ang process ng acquiring asset dito sa BFS? Hoping for immediate reply. tnx.

@Engle, usually you will have to pass their credit investigation and your net disposable income should be able to support the loan. better call them up to get the complete list of requirements. Thanks for dropping by!

@Annie, Yung redemption period kasi is mandatory as per Act 3135 which means a borrower whose property has been foreclosed will have 12 months to redeem the property. As for the process, you just need to identify a property that you want to buy then call them up first to check if its available then they will assist you with the specifics on the requirements, loan terms, etc. Thanks for the comment!

hi jay im anjie,my house is now in process for auction. one year is gigen for redemtion. how can u help me?its only a low cost but corner unit.we met at REBAP SITE O.

hi anjie, i’m so sorry for the situation you are in right now. Let me discuss this with you privately, please send me an e-mail at ph.investor@gmail.com

Hi Jay.

Your generosity to share with all of us your resources on these very, very valuable information, is very refreshing, and inspiring. It must have taken a lot of time and effort to obtain all these and your knowledge, and you allow us to benefit from them without expecting anything in return. Kudos, and more blessings to you and your family.

Jun

Hi Jun, thanks for the comment and the nice words! Just my way of paying it forward. A lot of people have helped me along the way and I just want to give back. May God bless you and your family as well. =)

@Anjie, it seems I have not received any e-mail from you yet. You can also send me a txt at 09178843882. A buyback can be arranged but that would depend on the circumstances. Please do contact me so I can discuss with you further.

hi guys,

bear in mind that these foreclosed properties have also accumulated tax arrears, tax payments sa municipality where they belong, so after you acquire the property, next move is to check the tax arrears, unless included na ito sa foreclosed property amount na babayaran mo.

hi, may alam ka ba foreclosed property na pwede mabili area ng quezon city o san juan malapit sa work ko sa santolan. kindly email me naman mga listing.

@Ariel, haven’t been able to spot a foreclosed property in that area recently, a friend of a friend was recently looking for a property in the Gilmore area but I wasn’t able to find one. However, I have a lot of new listings which I haven’t checked yet, I’ll be on the lookout and let you know if I find any. Thanks for visiting!

@matt, I agree, interested buyers should check for any arrears the property may have. I included this on my post about the 31 questions you need to ask when inquiring about foreclosed properties and this can serve as a handy checklist and for part of one’s due diligence. Thanks for the comment!

wat po ibg sabhin ng redemption period,,

how about taguig area along c-5

nsan na poh ung listing property for dolmar golden hill subdivision Caloocan for 2009????????

mga sir/ma’am meron po ba available sa camella ridgeview tunasan okie po ba dun hindi po ba binabaha doon kasi may nakapagsabi saakin na binabaha daw doon.

sir, meron ba kayong rent-to-own properties dito sa cavite? how do i avail of that?

gud am sir/mam! i am looking for a foreclosed/dacioned house and lot in Sta. Rosa City. pwede po ba ipasok sa Pagibig yung house and lot ng BFS? thanks in advance…

@Diana, basically the redemption period is the one year period given to owners whose properties have been foreclosed where they have to right to continue staying at the property and come up with money to “redeem” the property which means they will have to pay the full loan balance.

@Ariel, I don’t focus on foreclosed properties in the Taguig area hence I can’t give you any leads, sorry about that. However, I have just finished installing Google Custom Search to this site so you can search for posts that indicate properties in the Taguig area. Please try it out, you can find it at the top of the right-most side bar.

@ Mary Joy and Joseph Ira, sorry but I also don’t focus on those area’s hence I can’t say I encountered any properties Caloocan and Tunasan. Same as my advice to Ariel, you can also try using the search function of this site at the top of the right-most side bar. Thanks for visiting!

@Fe, sorry but I don’t focus on the Cavite area so I wouldn’t have any rent-to-own properties available there. Thanks for the comment!

@Paulo, I’m not sure if BFS will all immediate loan take out to Pag-IBIG, you will have to verify from them. What I do know is that Pag-IBIG accepts taking out loans from banks. First step is you will have to attend one of their daily seminars and then you can get more details during the loan counseling. Thanks for the visiting!

@

Sir pls. help just let me know kung pwede pa mahabol ang foreclose na house and lot kung babayaran nman kaya lang installment kc before sabi ng BFS if cash 550K tapos last June 2009 sabi nila 680K na dahil nag ask ang father ko ng installment. Wala po akong idea kung pano sila kakausapin at sino kc yun agent n nagwork don sa BFS lagi daw naka leave.gusto ko po sana ako n bumili bago ma end ang 1 yr. sabi kc ng father ko me 1 yr. paraw sya bago paalisin don. pls. help po. godiap@yahoo.com Thanks and God Bless

Hi Geraldine, yes may habol pa yan kasi nga meron pang 1 year redemption period ang property pag naforeclose. Okay din at nag negotiate na pala kayo ng installment terms. kailangan lang ma confirm niyo kung kelan nag start ang 1 year redemption period. Kahit naka leave yung agent, dapat may mas mataas na pwede mo kausapin. For sure mas gugustuhin nila na maiayos pa yung loan niyo kesa maging final ang foreclosure. Will also e-mail you. I hope and pray all will work out well.

Sir/Madam, ung public auction po ninyo sa july 11, 2009. Saan po banda ung tamang address kasi po di ko alam ung Unionbank special. Paki bigay lang po ng tamang address. thank you.

Sir Jay, naTry ko na ang humanap ng house sa Bfs., ang hirap talaga ng may naka-Occupy na Former Owner., aawayin ka talaga, hehe buti na lng cool lng ako, anyway they give 10% discount pag Cash. pero sa dami ng Buyer nila, abutin ka ng siyam-siyam, may makausap lng sa marketing

gearaldine, ask ko lang.. anong address po ba ng House nyo? at saang office ng BFS kyo nag iinquire?? sa alabang po ba?? agent po kc ako ng BFS., try po ntin baka may magawa pa tyo! kindred_garcia@yahoo.com- ym

@joseph Ira, i Personally visit the Tunasan proprty.. ang Promlema po dun, walang ilaw ng Meralco sa mga daanan, madilim sa Gabi, pero hinde nman po masyado binabaha…

sir Ariel, mga Property po sa San juan, mostly P3M ang pinakamababa..

Hi Roel, yes, yan ang mahirap pag may occupants. Advice ko lang, pag may occupant, iwas na lang. Buti na yung nag-iingat, marami namang ibang properties!

tumawag ako sa BFS, laki ng discount nila for cash payment for certain properties more than 30% ng tag price. kaya lng labo easy payment terms 50% down. thing is, im not into investing and im only looking for low-price house with easy payment scheme where me and family could settle in. any suggestions? ala ako swerte sa pag-ibig mostly occupied ung napipili ko sa cavite.

Hi Roel,thank you for the info. sana nga po you can help me kasi agent pala kayo ng BFS, just let me know kung ano n status kung magkano sya ngayon if cash or installment.Sa Makati office nag inquire father ko pro d parin confirm kung magkano talaga. thank u

Nag inquire po ako rati ng property sa bfs sa may sfdm bulacan. Ok sana sya mlki discount kapag cash ,no occupant, but i hesitated kasi the title is still in the name of the former owner at ako pa raw ang magtatransfer. Paano po ba ang process ng ganitong sitwasyon. Do I have to locate the previous owner to sign some docs? At gaano katagal kaya ang pagpapatransfer and fees involve.Sensya na po, no knowledge tlaga ako, but willing to learn po.

Hi Shaun, I’ll be on the lookout for properties for you. As I have said in the past, even if you are not an investor, why not buy a house as if it were your first investment so that later you can sell it for a profit, or get positive cashflow from it when you decide to rent it out. Thanks again for visiting!

Hi Ayehn, first thing you need to know is if the one year redemption period has expired. We need to respect the previous owner’s right to get his property back. In case it has expired, the you can proceed with the transfer. However, the transfer that you should be concerned about is the transfer from BFS to you. BFS should have the title consolidated(transferred to them) and then you can take care of transferring the title from BFS to you.Transfer fees would normally be 8% to 10% of the selling price because it may include capital gains tax(6%), documentary stamps tax(1.5%), transfer tax, etc. so 10 % would be more than enough. Mga 3 months siguro para sa pag transfer kung walang problema ang mga papeles. No problem lalu na’t willing to learn! Salamat sa pag bisita!

rereply ky ang BFS skin. nag-inquire ksi ako s property nila s cilla prinsesa subd. puerto prinsesa palawan. may alam k bang information s property n ito. THANKS!

HI Myrna, actually BFS contacted me 2 weeks ago asking for my contact details so they can send me an updated listing of their properties. I sent my contact details to them and actually sent a follow-up e-mail but I am still waiting for the list. Anyway, sorry but I don’t have any info regarding their properties in Palawan at the moment. Thanks for visiting!

hi sir,ask ko lang po if yung capitol hills in trece martirez cavite eh under ng BFS?..balak ko kasi bayadan yung bahy na tinitirhan nmin eh. eh pina aadress nila yung cheke sa Balikatan Property Holding Inc. just want to make sure!! pls.reply asap.. tnx po

sir tanong ko lang po kung ang opis po ba ng BFS ay sa Alabang Muntinlupa sa may Insular Life Building 8th floor? Nagbago na po ba ang office nila? kc po ang lam ko sa 24th floor, BPI Buendia Center, se. gil puyat avenue…please help me kc po bibili po ako ng haus bka po ndi po emploed ng BFS ung mababarayan ko… or pano po ba malaman na totoong emplyee ng BFS ang ang kausap mo…please help me….

Salamt po..God Bless…

Hi Leah, sorry but I would have to verify if that’s the correct address. With regards to verifying if the person you are dealing with is really from BFS, the easiest way would be to call them up using the contact numbers on their website. Also, if ever you are going to push through with the purchase, always pay using checks made payable to BFS, not the agent/broker, and I would also suggest that you should only transact at their office. Just let me know if you have further questions and no need to call me “sir” hehe! Thanks for visiting!

Mr. Castillo,
are you a broker? and if yes would you mind to send per email the list.

Thanks,
romeo

A pleasant good day, I would like to inquire reg the properties in Fairview and in ALMAR. Please do send me the details on how I can purcahse a property.

Hi Romeo, unfortunately I am not accredited with BFS. You can still however download their list by visiting: http://bfs.com.ph/propertylist.html

Thanks for visiting!

Hi Daisy, to get more details, you may contact BFS directly through the following:
Trunk Line: +63 (2) 750-3888
Fax Number: +63 (2) 756-6247
E-mail Address: info@bfs.com.ph

Hi Jay. Can you help me find your blog containing the 31 questions to ask when inquiring about foreclosed properties? Thanks and more power!!

Hi Tony, you may access that article using this link: http://www.foreclosurephilippines.com/2009/03/31-questions-you-need-to-ask-when.html which is also accessible under the “Featured Posts” section at the middle column of the bottom section of this blog.

BFS…

Whenever I hear these 3 letters, It makes my blood boil…

Anyone want to know why???? They are only making us pay 500K, when our real debt is just 100K. That’s what I call OVERCHARGING!!!

Hi Jay! I am looking for a site na makaktulong sa akin when I end up here. I just want to ask some questions and hope you can answer me. I purchase a property from an original borrower pero rights lang then I sent a letter of intent sa BFS. My problem is how can I know it this property is already under redemption period or tapos na ang redemption niya? At by the way nakatira na ako sa bahay na to. Thanks and hope you could help me with this.

More power to you and your Family!….

Hi Mr. jay, I just want to ask… what if ung bahay namin na for-closure is under na ng BFS? Pde b namin bilhin ulit un, but this time, under my name na? If so, same conditions dn ba with the others or pdeng mas mababa ang i-cash out namin and mas longer term?

Thanks in advance for answering my Q!(=

Hello Anonymous, I’m sorry for the bad experience you are having with BFS. Having a loan balloon to 500K from an original amount of 100K is simply too much. What is their explanation for the big amount? I suggest however that you keep the communication lines open. I was supposed to have a meeting with a representative from BFS as I wanted to interview them to learn more about them but it got deferred. Anyway, I can also ask about your current situation and maybe they can suggest on ways on how to avoid such overcharging.

Hi Renz, the best way would be to deal with BFS directly. I haven’t really had any first hand experience with BFS though although I am supposed to meet with one of their representatives one of these days as I want to interview them and maybe I can include your concern in the interview. One trend I noticed is that a lot of people are somehow finding it difficult to get details about properties under BFS and I’ll try to get information on how this can be solved…

Hi Jay! Thanks for your advise and hope you can find a way to solve this problems. This is not really my line thats why I really find it difficult to deal with it. but atleast there are still people who are ready to help like you! Thanks a lot and God bless!!!!…..

Hello,

Can you help me find a property in INA Exec Homes, Valley 1, Paranaque (kung meron lang… sana) which I can pay via installment plan. I need an inexpensive property for my family. Thank you in advance n pls have a heart.. thanks for your effort.

Hi Jay, i really admire u for taking all the effort sa pag reply sa mga tanong namin..khit minsan paulit ulit n yong iba .. Keep up the good, God will surely reward u and ur family…

Ask ko lang gusto so sanang bilhin ko ang haus ng pinsan ko na under n now s BFS. When i checked the lists of foreclose properties ng BFS wla namn dun. Nung pmunta ako s BFS ksama ung pinsan ko n may ari ng haus mura pag itutuloy ng bayad ng pinsan ko. Balak ko sana na ituloy nalng under her name pero ako bibili then i-transfer na lng s name ko later. What do u think of this? May makukuha paba ang pinsan ko n money kc sbi nya meron daw kc ndi p namn foreclose? sbi p nya khit cnu daw bibili may makukuha pa rin sya, is that true? Please advise me ndi ko po alam kung anu 22o…

MAraming Salamat…

Hi Rhea, sorry mukhang nakaligtaan ko itong question mo. Talaga bang foreclosed na at wala nang habol? Baka pwede pang ma restructure yung loan, etc. If talagang foreclosed na, mukhang pwede naman na ikaw na ang bumili, it should be with the same terms available to other buyers. I still have not had my meeting with BFS to interview them on the details like payment terms, etc. Will eventually create a post about that once the interview pushes through.

Hi Eloisa, maybe Roel Vergel may be able to help. You can also check this list of updated listings from BFS, maraming choices available: http://www.foreclosurephilippines.com/wp-content/uploads/2009/09/BFS-COPY-luzon-inventory-as-of-July-30-2009.xls

Hi Leah, good point! I’ll be creating a new FAQ page because of your observation… thanks for the idea!

Mas maganda nga ikaw na lang ang magtuloy para wala nang foreclosure na mangyari, tapos itransfer mo na lang sa iyo later. With regards sa kung may makukuha siya, If hindi pa foreclosed, pinsan mo talaga ang seller, so dapat nga may makuha siyang pera kasi kayong ang may transaction with each other, although hindi ako 100% sure dahil hindi ko alam ang loan amount, loan balance, etc. Baka may portion payment sa BFS mapunta.

Hi jay,

Slamat sa brilliant idea mo (as usual).. yan talga gusto kong sbihin maybe u should create new FAQ kc minsan same problem pero nsagot u na kso they dont bother reading na yong question pla eh natanong n ng iba and the answer eh andun din nakagay na .. Keep up the good work talga ..marami kang natulungan isa na me dun Pero kung nasa Pinas me i would go to BFS office and ask myself.Thanks ulit!

Thanks for the pest and for the info.

im planning to purchase house and lot ranging 500 to 700k peso only, please notify me if there is any, It would be nice if near talomo ulas bangkal or matina, in davao city? May office ba kayo sa davao city?
thanks and best regads.

Hi Christopher, actually I’m not connected to BFS but I am applying for broker accreditation so I can at the very least be able to answer questions of readers with regard to BFS. Anyway, the recent listing I got only contains properties from Metro Manila and Luzon. I believe I have a listing of foreclosed properties which is not from BFS but contains properties from Davao which I will post soon. Please subscribe so you will not miss it. Thanks!

I’m looking for a house & lot ranges from 100 to 200k near metro manila area.thanks

Hi Jay,

I had a bad experience with BFS ‘SALES’ employees.

During inquiries, we asked detailed questions INCLUDING who’s paying for previous owners’ meralco and water bills.

Sales Person says BFS will pay for everything once the deed of sale / turnover papers are done.

After paying and papers were signed, we rarely see this Sales Person and she was always too busy to discuss this utility bills.

Bottomline, we paid for the bills after speaking with someone from the Admin Department. The property was posted ‘as is where is’ basis and that is sufficient to explain why we need to pay.

The total bills including transfer of account costs between Php**** – PhP **** but the lesson here is not to seal any deals by mouth especially if you are dealing with these Sales Person. Eventually, they will tell you what you want to hear.

Buy from BFS but be very cautious of these greedy Sales Persons.

hello po kuya jay, bka my alam naman u n properties n benebenta d2 along novaliches or villanova subd. to be specific, tulungan u naman me please????nalibot ko n lhat ng properties ng bfs n malapit d2 smin s novaliches kso wla n ko magus2han and ung nagustuhan ko naman eh sold na help me please ha?thanks.

Hi Andrea,

I’ll be sending you an e-mail regarding this so I can help you better. Thanks!

Hi Nhorvel,

Thanks for sharing and I’m sorry for the experience you had. Is the sales person you dealt with an employee of BFS or just an accredited broker? I know what you mean, some people will really just say yes to what you ask just to close the deal.

I suppose this serves as a heads-up to those interested in buying foreclosed properties from BFS. Make sure to include in your due diligence the task of making sure who will have to settle any arrears and have this in writing.

Thanks again Nhorvel!

Hello jay,
I am looking for a house and lot somewhere in Capas Tarlac hopefully you can help me for this.
You can reach me at cgtanglao08@yahoo.com

Hope to hear from you soon

I am presently an overseas worker. I need to talk to an agent for the requirements because I am interested in availing a house thru this BFS. Could someone help me please?

Thank you,
Lolita

Hi Lolita, will send you an e-mail regarding this. Thanks for visiting.

Hi Carol, I’ll be sending you an e-mail with regards to this so I can help you better. Thanks!

Thanks a lot Jay… More powers

hi po! my husband & i are planning to purchase house & lot, it would be nice in las piñas city. hopefully you can help us for this… tnx
please send us or please call us at 4667744
again thank you..

hi, jay! i would like to know about property list from malumot bacoor, is this a up&down house&lot? can u give me some ideas from this, thanks….

hi.may problem po ako about buying a pre foreclosed property in tiera nova royale, bagumbong.ibinebenta po sa akin ng lot owner ng 180k (house and lot) ang property nya and sabi nya that amount is good for 10 years. after 10 years daw po bababa ang foreclosure papers and that will be the time na ipapa-appraise namin sa BFS ang value ng property at makukuha daw namin sa mas mababang amout.legal po ba ang ganitong proseso?i mean, may nangyayari po ba talagang ganito na sa owner at hindi sa bank binibili ang isang pre foreclosed property?

pls check the status of this property in cavite CAV-42730 and 42731 Im interested to buy but need how to thanks

Hi JHA, sa totoo lang, first time ko nakarinig ng ganitong systema ng pagbili ng pre-foreclosed property. Ang pagkakaintindi ko sa pre-foreclosures eh bibilhin mo ang isang property bago ito ma foreclose, either you buy the property in cash, or take over the payments and just assume the balance.

Dear Jay and JHA,

I am sure the previous owner is trying to sell the property by fooling the prospective buyer. If you transact with the previous owner, the price is usually higher than the foreclosed price.

The best way is to check with BFS, look at the TCT, tax declaration and other information. Transact only with BFS employees or accredited brokers.

best regards,

Tony

Hi Sir Jay ,
I’m interested also to avail a house and lot in bfs .Please help me how to avail what are the procedure and payment terms and also what are the requirements for me to qualify, specially available units here in Dasmarinas, Cavite. If you had latest update pls sttached it also to my email.
Hope to hear from you . Please send it to my email ad bgellecanao@yahoo.com. thanks and more power to you.

Bevs

hi meron po ba kayu update of foreclosed prop here in bacoor cavite . interested in buying a house . can you help me out with the details and options
avail din ba sila through pag ibig?

thank po and looking forward sa response

Hi Tony, thanks for the comment. This should be a heads-up to all prospective buyers, whether for BFS properties or otherwise.

believe me . . . . be very, very CAREFUL lang po sa pag transact sa BFS.

yun lang.

what do you mean daddy?nagkaroon ka ba ng bad experience sa BFS

gud day,just want to ask if may house and lot na for sale sa guinobatan,albay..thnks

Hi, need your help. I’m looking for properties for sale in T.S. Cruz Subd. Almanza, Las Pinas City

looking for foreclosed house and lot in san fernando pampanga

Hi jha,(just a guess)perhaps the lot owner is trying to tell you to buy the rights over the property and then let it stand for 10yrs without paying for the amortization. and possibly, when the 10yrs is over, it is by then foreclosed na and transferred to (bought by) BFS, where you will now deal with (and settle it). tama ba? If this is the case, you might as well put in paper such transfer of rights.

Hi Jay! hingi lang po ako ng advise kasi me nabili akong rights sa dating borrower eh sa BFS po daw aayusin. Sabi nong agent before ko bilhin yong rights is puwede sa PAG-IBIG pero nong i process ko na hindi naman pala. nalaman ko din na hindi pa tapos ang redemption period niya. Ano pong mangyayari sa aking dito sa bahay nakatira na ako dito kasi tinur over sa akin nong dating borrower. Palalyasin ba ako dito ng BFS kahit hindi pa tapos ang redemption or palalayasin ba agad ako dito kung tapos na ang redemption?

Baka po me alam po kayo kung paano i process to or kung nag pro-process po kayo nito baka po puwede sayo na lang kasi wala na akong tiwala sa dati kung agent at broker niya.

Hi jay good afternoon, i was just browsing over the net trying to look for available house that is cheap and i happen to stumble on this site wherein you give advise to people who has problem of acquring properties or problems with properties they bought. Im so amazed as how you deal with people, you are such a person who knows so many things about acquiring properties. I would just like to commend you for that. may your tribe increase and God bless.

john

Tama, mahirap talaga pag may occupants kaya medyo mahirap din maghanap ng mga foreclosed properties na walang occupants. Sana makapagpost ka ng listing from Pag-Ibig at dito sa Visayas area.
.-= Jonha´s last blog ..My Rags to Clothes Story – A Modern Rags to Riches Story =-.

good eve po sa lahat. may inuupahan po akong bahay. yun may-ari po ay hindi na nakakabayad sa BFS. pwede po ba na ako na lang ang kumuha sa bahay dahil ang sabi ng mga kapitbahay ko hindi na daw interested o hinihintay na lang daw ng may-ari bawiin sa kanila ang bahay. pano po ba ang proseso nito. babayadan ko ba yun utang nila para maging akin yun bahay o magsisimula uli akong maghulog sa BFS?sana po may makatulong.wala po kasi akong alam sa ganitong usapin.god bless!

Hi Jay. We have spoken on the phone last week. I also sent you an email. I was inquiring about a home in Sucat, Paranaque. Please get back to me asap. Thanks.

Hello Manny, bago ka magbayad ng kahit ano, magandang siguraduhin mo muna na may pinanghahawakan ka, documento man o kasunduan. BFS na siguro ang makakaalam kung paano ang paraan para dito. God bless din!

Hi Rovie, I’m currently looking for a property that fits your needs in the just released Q3-2010 Buena Mano listings of BPI. By the way, I was reviewing your requirements and was wondering what SAV stands for?

Good day ! Bahay Financial Services Inc, accepting credit card as payment

Pwede malaman ang sagot today? Please help thanks

Sir,ask ko lang kung ilang days bago ma-release ang title if fully paid na sa BFS ung house & lot,at kung meron pang extra charges sa buyer for the processing of title.

Hi Jay.

Thank you for your quick response. SAV stands for San Antonio Village. Valley 1, Sucta Paranaque.

Thanks a million!

Hi All,

Parang masyado naman mataas ang patong ng BFS sa foreclose property. Wala ba kaung updated na list ng foreclosed property ngayun june 2010.

pnu ko ko po kaya maki2ta ung piture ng haus n binebenta? anyboby?

hi, jay! may alam na po ba kayo about sa payment terms ng BFS? kindly share niyo naman po samin.
thanks po.

hi jay …intersted buyer po me ng foreclose property..my nakita na po kami haus ng nasa bfs list n po..ask ko lng po kung ok nmn po b bumili property s kanila?kc po naloko n po kami before ng broker,gusto ko lng po masiguro n magiging maayos po b ang pagbili s kanila?

@daddy-ngkaron na po b kau prob s bfs?pls let me know lng po kc balak ko n po mgbayad s kanila…pls reply po..thnx

nagkaron na po kau ng prob s bfs sir?pls reply..

please help us find a property in valley 1, sucat, near city hall…sana affordable at pwede ipasok financing….maraming salamat

hi jay.good day..thanks to you for all the things u shared here i learned so much.

ask lng sana ako,nkakuha ako ng foreclosed n bhay under PAG-IBIG w/ occupants.ang hirap paalisin ng dting owner khit wla n tlga xang laban foreclosed n xa & more than 2 yrs n fr redemption period. mlapit n ako for filing ejectment case.hw long it takes b ang ejectment?anu b ung writ of possesion?pwede rin b n ipasheriff nlng ng dretso ung bhay.f u know all the processes kindly share it. thank you and God Bless!!!!

Hi Jay. By 2015 ang end ng 25 yrs terms ng mga subdivision s amin sa san mateo rizal. pwede pa kaya akong kumuha ng mga forlosed na bahay kahit na may housing loan ako sa pagibig? kaya naman kung pera ang pag uusapan. kasi may usband na ako para makashare dun sa bayad ng bahay sa pag ibig, pls advice.

Please give me an idea sa mode of payment sa BFS.pwede rin ba sya thru Pag-Ibig?

Mr. Jay. Good day! I just want to ask, if the redemption period ends, pwede pa bang mag ask for an extension. Sincerely, we want to save our home. Please give us some advice, or pwede po ba thru PAG-IBIG?

Hi Cristy, please contact BFS directly as it has been quite a long time and their program might have been updated. Thanks for the comment.

Hi Ren, unfortunately, the redemption period cannot be extended. The other remedies that you can go for would be loan restructuring, loan takeout to other institutions like Pag-IBIG but you need to be updated with your payments for at least 2 years, or you can just sell the property. You can even assign your right of redemption to a third party who will buy the property from you. I hope this helps.

My property ako nakita sa Cavite foreclosed prop ng BFS, pede ba sa pagibig yun? and What are the procedure pls. email me . Thanks

Hi Jay,

I bought a BFS property here in Cavite, ang problema di ko mapagawa kasi ung likuran ng bahay nilagyan ng mga manok na panabong nung katalikurang bahay. Nasabihan na siya pero ayaw niyang alisin, anong legal actions ang pwede ko gawin? san ba magsampa ng kaso dito at anong kaso ?

Salamat sa pwedeng magpayo.

hello po mr jay.ofw po ako and willing namagkaroon ng sariling bahay,may available papo ba sa kalookan basta po ang budget ko 300k to 350k,,willing po ko icash out pero sa january pa po,anu po ba angmga requirements,sna na po yung malinis kasi po naloko napo kami dati e..slamat po

sir,d2 po ako sa dubai ngayon..pano po ako maka-avail ng property?can i avail it on installment basis?pls let me know ASAP..thanks!

sir please let me know kung ano ang chances ko to get a property..i’m not a member of pag-ibig or sss..gaano po katagal yung payment if ever ?

Hi Jay,

Is it possible to purchase house and lot to BFS but will be financed through my Pag-Ibig account? In short I will borrow from Pag-Ibig
to buy H&L to BFS? Tnx

good day!

sir, nagre- rent ang parents ko then mga 4years ago bigla nawala my ari and letters of foreclosure starts coming in. nag-inquire ako dati kaya lang kailangan ko daw mahanap yung original barrower. ngayon for auction na daw yung bahay, kailangan ba nila umalis dun? we wanted to acquire na lang sana yung property kung kaya. what can we do kaya? sana matulungan nyo kami. maraming salamat.

hello….i just want to ask….the real owner is my aunt then almost more than so many years until now hindi na nya pinakikialaman ang bahay now the bfs giving me the right kung bibilhin ko ang bahay ang kaso any time this month they can demand a sherif nalisanin ko na ang bahay dahil almost 1 year na ang binigay na palugit…..possible bang gawin nila yun without sending any letter sa nakatira about 1 year lapse?……sa ngayun hinahanapan namin ng paraan para malikom ang pera…possible din bang ipagkaloob nila sa akin ang bahay sa tamang halaga? at may possibility bang ibigay nila sa iba ang bahay kung mas mataas ang offer ng bibili kaysa sa kung anong kaya ko? or malaki ang chances ko dahil ako na ang nakatira for over a year…..salamat

Hi Jay,

Nakabili po kami ng bahay sa BFS mga mid 2009. Up to now wala pa po kaming natatanggap Transfer Certificate of Title (TCT). Noong bumibili kami sabi 6 months daw ang processing, almost one year and a half na wala pa ring tct.

please furnished me thru my e mail add the updated list of foreclsoed properties particularly in metro manila, rizal, cavite and davao.

thanks

benny

hello po! do u have a list of foreclosed property better if patapos na redemption period here in tierra monte san mateo rizal!

dear sir,
i was lookin for a house that goes inside my budget and i reckoned,BFS is more cheaper than any housing financing services.
i found one of my ideal house where my family could fit theirselves around.
the matter is do you know how much would it be the interest for two years paying for 700,000php on each month or should i say i gave 300,ooophp for the dp at 700,000 unit price…….thanks

hi Jay,

Matutulungan ba kami ng BFS kasi ang husband ko may current housing loan sa pagibig kaso delayed kami ng 6months sa monthly amortization…and we received cancellation of contract to sell from Pagibig….do you have any idea how can we fix this one? thanks po

hello!! im asking lang po para san ba ang BFS?? !! thank you

hi i have unit at cavite paliparan1 …do you interesred…rent to own or forsale txt me 09994393504…. mel

Hi, Mr. Jay Gud PM. Ask ko lang po. Gusto ko bumili ng H&Lot thru BFS for CASH. Ang total amount po ay P741,750 (nakita ko iyan sa BFS list of property for sale Bacoor area). Ngayon po, Sino po mag shoulder ng Capital Gain Tax dito yong BFS ba o ako na buyer? At sino po maglakad para sa Transfer of Title? BFS ba? O kaya eh assist ba ako ng BFS para mailipat sa name ko ang titulo? Kasi po taga bisaya ako diko alam pasikot sikot ng bilihan dyan sa Manila. Salamat po.

sir pa po ba sa pag ibig pag na sa evaluation na papers sa housing loan . anu po kaya posibling mga docs pa nid or anu po inievaluate nila dun

good day sir Jay. may bahay po ang ate ko na hinuhulugan sa BFS. bale 2nd owner po sya. pero 10 years na po sya hindi nakabayad. nagpadala na po ng forclosure notice ang BFS last year. pero last Feb 2011 inalok po sya ng amnesty/condonation (thru letter/notice) pero nasa Dubai na po sya at ako na ang nakatira sa bahay nya at umalis na po ako sa inuupahan ko. hindi na po interested ang ate ko sa bahay. sabi po ng BFS ay pwede ko daw bilhin ang bahay at mailipat sa name ko ang title. pumunta po kasi ako sa makati office at nagsubmit ng mga documents na iniwan sa akin ng ate ko sa account representative nila. from 1 million ay naging P300,00 na lang ito kung babaydan ng cash (hindi pa kasama ang closing/processing fee). ngayon po ay nasa legal department na po ang mag docs na ibinigay ko. posible po kaya na mailagay sa name ko ang title kahit sa 1st borrower pa nakapangalan ang title? 2nd borrower po ang ate ko. nagbayad lang po sya ng right to own sa 1st owner. sa nagyon po ay naghihintay ako ng decision ng legal department ng BFS. thanks sir Jay.

hi jay,
just wanna ask if paying the property thru check named to BALIKATAN PROPERTY HOLDINGS is valid. tnx

sir just want to know weather South Plains the same as Southern Plains in Silangan Canlubang Calamba city?

can you send me a list of property from BFS, preferably apartment has will be forclose or already forclose within metro manila incluing their respective prices.

please send me a list of your foreclosed property, preferably house and lot, and their respective prices, in antipolo or taytay rizal.thank you

Hi Mr. Jay. Pano po yong requirements pag bumili po sa BFS? at yong nakalagay po sa listing, yon na po talaga yong price nya or for auction pa po?

Hi po Mr. Jay. Ano po requirements at procedure pag bumili po sa BFS ng property? at yong price ba nila is yon na tlaga? Kindly reply. Thanks. God bless+

hi sir jay,may gusto po akong bilhin dito na bahay sa BFS,handa na po yung 10% downpayment at requirments namin but nabago yung usapan yung father ko kasi ipinasa sa ibang agent or staff of BFS, kailangan po 20% yung ibigay namin downpayment and 3 months,6 months and 1 year to pay yung 80% wla naman pong ganun,dito lang po sa BFS may ganun masyado pong ginipit ng BFS ang taong bibili,sir jay can you help me to buy a house here in BFS 10% po ang kaya lang namin and then 5 years to pay ang 80%.sana po bigyan nman kami ng 5 years allowance to pay ng BFS.thank sir jay more power and god bless.tagal po magreply thru email ang BFS.

suggestion lang po sa BFS agent or staff sana kung may nakausap na kayong buyer wag nyo na pong ipapasa sa ibang agent staff of BFS kasi naiiba po ang usapan,at bakit po hindi pare-pareho ang sinasabi ng agent or staff ng BFS sa buyer,isa po ako sa naka-experience ng ganito sa BFS,handa na yung downpayment and requirments namin pero nabago lahat ang usapan kasi ipinasa kami sa ibang agent or staff ng BFS,nasayang po yung time namin kakakuha ng requirments and ganun lang nag mangyayari.thanks sir jay kaw lang po ang may time sumagot sa mga tanung namin.thank s gaain and god bless you

ask ko lang po kung forclose n i2ng mga lot s inyo kc abondoned n ung mga place mtagal
b. 7 lot15 novis owner
b. 17 lot 26 hipolito owner

mali pala ako sir jay hanap ko 10% downpayment at yung 90% 5 years to pay.thnks

hi sir jay wala po bang bfs housing sa imus cavite,wala po kasi akong nakitang imus sa propertylist ng cavite.thanks

Nakapgbayad na po ako sa bahay ko… Wala po palang RPT ang bahay na nabili ko sa Developer pero may Title plano kong ipalipat sa pangalan ng anak ko…. need BFS’ assistance on this. Nahold lahat ng gusto kong i-settle… ano po ba pwede kong gawin.

naghahanap po kau ng house and lot d2 po im agent at bfs

Gandang araw po sir!
Me gusto lang po sana akong malaman. Kung bibili po ba kami ng rights ng house and lot sa isang nagmamay ari ng bahay, ano po ang mga kailangan muna naming malaman sa BFS tungkol sa isang bahay na nagbebenta ng kanilang rights? Pwede po ba na basta lang kami bibili ng rights sa may ari ng bahay o dapat po muna namin makausap muna ang BFS bago kami bumili? Sinabi narin po sa amin ng may ari kung magkano ang dapat naming bayaran sa BFS. Sinabi din po ng may ari na magkakaron kami ng deed of sale pg binayaran na namin ang kanyang rights. Pumupunta po kami sa bahay nyang binebenta.

Marami pong salamat sa pagbibigay nyo sa amin ng kaalaman.
God Bless!

hi po pwede po ba makakuha ng forclose camella sorrento panapaan bacoor cavite at price im interested sa place , pwede ba bumili ng propeties na may nakatira.

listahan po ng forclose sa camella sorrento at price, thanks

Please send me a unit list price list antipolo area please…cannot download it from your site.

as OFW here in hongkong,,,paano po ako makaka-avail ng property sa BFS ,,ano ang requirement na kailangan ko,,may program po ba kayo para sa aming mga OFW ,,kase po maraming OFW ang naghahangad na sa pagbablik ng pilipinas ay may sariling bahay na mauuwian …..

Hi Sir Jay ,
I’m interested also to avail a house and lot in bfs .Please help me how to avail what are the procedure and payment terms and also what are the requirements for me to qualify, specially available units here in Dasmarinas, Cavite.

Thanks and more power.

hi reply ka sakin
can you be my friend….

hi jay castillo can you be msy friend …..just add me face book,..

jay castillo ako ang kasalukuyang umuukupa ng bahay na may numero 9-5a 1st. street, plaridel 2 subdivision, Angeles City, ito po ay inaangkin ng isang Normilinda Dalisin na kung saan ay nabili niya diumano ito sa mga may ari nito. Alam ko ang pag-aaring ito ay nakansanla at under litigation. Ngayon ang tanong ko po kung ang nasabing pag-aari at titulo nito ay nasa pagiingat pa ng FBS o kaya naibenta na ito sapagkat ako ay umaasang ako ang makabili nito.

Good day to everyone.

We would just like to address a few questions/concerns above. For anything more specific, kindly contact us at the following venues:

Alabang Office:
* 756-6267 or 756-6376
* 8/f – Insular Life Corporate Center (Tower 2), Filinvest Corp. City, Alabang, Muntinlupa

Makati Office:
* 750-3888 (loc. 588 and 548)
* 24/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

E-mail: info@bfs.com.ph

1) BFS is a pioneering asset management company that manages and services multiple clients, including Balikatan Property Holdings Inc., banks, and private institutions.

2) Our latest property listing can be found at: http://www.bfs.com.ph/property. This is updated on a monthly basis.

3) You may approach BFS directly or through one of our accredited brokers for any property interests.

BFS offers a range of conditional products across the spectrum of the foreclosure process, including ROPA and those still within the redemption period. We disclose all the relevant issues during our discussions with you so that you are thoroughly informed of the product(s) that you are purchasing.

If you are an OFW or do not currently reside in the Philippines but would like to purchase a property from us, you may assign an AIF (Attorney-in-Fact) by providing the necessary SPA (Special Power of Attorney) to transact on your behalf.

4) BFS strictly adheres to and follows all government regulations, procedures, and requirements. The Buyer will need to pay the necessary government taxes and fees for the processing of title transfer, which is over and above the settlement amount agreed upon with BFS. These fees will be directly remitted to the appropriate government agency.

As such, our ability to transfer the title to the Buyer’s name may be limited by the processing efficiency of these entities but is separate from turnover of (and your benefit of using) the property. Property turnover occurs shortly after you have fully paid and complied with all the necessary documentation. An Authority to Move-In Certificate will be issued by BFS signifying this transaction.

4) Our properties are sold on an “As is, where is” basis and on a “1st to purchase, 1st served” and/or “best offer” policy. We do not accept reservations or deposits.

We also have a range of payment schemes, ranging from Spot Cash to Installment to Financing (subject to the necessary management approvals), and do offer discounts depending on the payment scheme and property concerned.

We would be more than happy to assist you for anymore questions or concerns. Again, kindly contact us anytime from M~F, 9 am. ~ 6 pm.

Thank you very much.

Sir,
good am! tanong ko lang kung may mga foreclosed pa ba sa Kapayapaan Ville Bo. Canlubang Calamba City, Laguna. Maraming salamat po and more power.

hi gud pm inquire lng po me ano po ung mga foreclosed listings nyo in cavite pti tcp nya?send me pls.in my email…tnx po!im interested

Hi Mr. Estabillo – kindly call 756-6303 or e-mail pj.arce@bfs.com.ph

Hi Ms. Lucero – kindly call 756-6267 (loc. 546) or e-mail sharon.veraguas@bfs.com.ph

Again, for any property inquiries, you may reach us at:
Alabang Office: 756-6267 or 756-6376
Makati Office: 750-3888 (loc. 548)
E-mail: info@bfs.com.ph
BFS latest property listing: http://www.bfs.com.ph/property. (Updated monthly)

Thank you very much.

Tanong ko lang kung naibenta na yung property sa Plaridel II Subd., kung naibenta na?

gud day sir, ask ko lng kung ano ba ibig sbhin pag pinicturan yong bahay na tinitirhan? yng bahay kc na binili ko yng rights. pinuntahan ng taga bfs at pinikturan….. at ask ko lng po magkano ba yng halaga ng mga bhay d2 sa golden city subd. salawag dasma cavite….

For any (specific) property inquiries or concerns, please call us at:
Alabang Office: 756-6267 or 756-6376
Makati Office: 750-3888 (loc. 548)
E-mail: info@bfs.com.ph
BFS latest property listing: http://www.bfs.com.ph/property. (Updated monthly)

Thank you very much.

Hi Jay, do you happen to know any forclosed properties in Sta. Rosa Laguna po? Please let me know po. thanks and more power.

With Jay’s permission, BFS Property Sales would like to announce:

*** 30% off on Selected Properties when you purchase via Spot Cash – valid for this month (September 2011) only! ***

You may reach us at:
Alabang Office: 756-6330 or trunk line 756-6267 (x303, 479, 510, 546, 582)
Makati Office: 756-6376 or trunk line 750-3888 (x332, 388, 422, 458, 543)

Our full property listing is available at: http://www.bfs.com.ph/property

Thank you.

hello po.. gusto ko lng mg-ask kung on going pa po ba un 30% off nyo on selected properties here in san marino city salawag dasmarinas cavite. thank you.

do you have foreclosed properties for sale near almar?

tanong ko lang kung may foreclosure kayo na bahay sa transville homes subdivision sa may brgy.san agustin

good morning sir.It has been so long time that i would like to get connected with BFS, Davao branch and its only now i have come accross this page and I hope to hear reply from you.The property i am interested in is located at Cristan Villa Subd I Diclum, Manolo Fortich, Bukidnon. Account # 1806716,in the name of Lapornina, Baltazar Baa, Blk 003, Lot 022. I am interested to know the status of the said property. Was it already foreclosed?If I would Buy it what documents are needed? Are you going to appraise the property?Thank you and more power.

We appreciate your inquiry and look forward to talking with you.

Please find below our Davao Office contact info:
Tel.: +63 (82) 221-0809
Plaza de Luisa – Unit 301, Davao

Our full property listing is available at: http://www.bfs.com.ph/property

Thank you.

I browsed thru several properties listed in their website but it looks a lot of them were dilapidated. I don’t believe that the price listed is appropriate. For example, I saw a this property with Ref No. 1503653 which is a very small shanty costing PhP 415150. I’m guessing that the lot must be worth this much while the building is worth nothing.

i have a 47sqm lot w/ 3story house in novaliches near robinson’s. kindly let me know if there are some interested direct buyers. area is never flooded. thanks

Hi Mina. How much is the selling price. Do you how much is the monthly rental in the area? Please contact me at 0920-9075903. Thanks.

to bfs property:
yung bang mga amount n nakalist sa website nyo included n lahat ung taxes? at nag aaccept ba kau thru pag ibig? txt nyo nmn ako or reply kau d2 for updates.. tnx 09264649647

Good day!

Recently my wife and I visited the Diamond Village,we saw some houses that are already unoccupied.Do you happen to have a Rent to Own Property?

We appreciate your inquiry and look forward to talking with you.

Some queries answered:

* Listed prices in our website does not yet include taxes, discounts, and/or other fees that may apply.

* We do offer in-house financing and can arrange for 3rd party financing subject to conditions and agreements between BFS and the 3rd party financier.

* We do not yet have a “rent to own” plan but have a variety of payment schemes that may mirror such.

Again, you may reach us at:
Alabang Office: 756-6330 or trunk line 756-6267 (x303, 479, 510, 546, 582)
Makati Office: 756-6376 or trunk line 750-3888 (x332, 388, 422, 458, 543)

Our full property listing is available at: http://www.bfs.com.ph/property

Thank you.

we need help to continue our housing loan, please give us an option of which we can afford to pay

Mabuhay….para po sa mga naghahanap ng upahan.
I live overseas my mga bahay ako sa South Square Village Gen. Trias Cavite lahat po ay FOR RENT pls text me to my roming +639397131630

Salamat po
Deedee

hi sir jay! could you give me a copy of foreclosed properties worth 1.2M or below whithin paranaque po… kindly sent it to my email chikara_rot@yahoo.com.

thanks so much in advance!

bakit hinde ako magawan ng title ng lupa nabili ko..almost 2 years na nakaraan wala pa din maibigay na title ang bfs sakin.. cash ko binayaran yung property..plssss help me…

sir/mam ako po c nora lomtong addun willing po ako mgbayad sa huaz ko sa molino home’s 2 salitran dasma,cavite city.ng bigay po kayo notce skn na foreclosed na ung huaz ano po dapat ko gawin nasa UAE dubia ang work ko hndi po ako maka punta ng personal dyn sa office. pwde po bgyan nio po ng second option para makabayad ng maayos,pls… nmn po ayko mawala huaz,e2 po ang ym  ko nora_addun24@yahoo.com d2 nlang nio ipadala skn,  

ask ko lang po kung magkano ung downpayment kpg installment ang kukunin kong pre-owned house & lot (unoccupied)?

ask ko lang po kung magkano ung downpayment kpg installment ang kukunin kong pre-owned house & lot (unoccupied)?

Dear BFS Management,

I am writing to you this mail since my husband and I are dissatisfy to your PASA department (Property After Sales Administration) which until this moment no one response from their side.
When you said after sales, it should provide the service to customers before, during and after a purchase, and based in your website it is quoted that ” BFS’ is efficient and accurate processing, nimbleness, intensive focus on quality control and customized service” ; “enable BFS to stay at the top of its game in terms of total service delivery” … 
I hope this statement will apply to all of your customer not in top priority bases and not  in words but  should put into actions.

See, we are not able to  renovate our property which we bought to your office on September 29, 2011 due to insufficient documents.
We try to apply for water and electricity connection, but they ask for the Deed of sale. This is said to be the prerequisite for building permit as well.

Kindly check the below correspondents for your reference, to have an idea that my husband is coordinating to your agent for the same.

What we want is the commitment from your side when you will provide this document.

 I am looking forward that you will look into this matter and expedite the process of our DOAS.

Regards,

Rosemarie Diosay-Tomas
Wife of Morris Tomas (Owner)

people, be careful to any transaction to BFS since until now my property which I bought to them doesn’t have the Deed of Absolute Sale. After I paid cash since September 2011 up to this moment they haven’t release my DOAS which supposed to be 2-3 months process….Agent will promised everything to close the deal, then after that they will not even entertain your concern…It is very disappointing, specially their PASA department (Property After Sales Administration)..