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

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Bahay Financial Services or BFS currently has a vast inventory of pre-owned or foreclosed properties for sale that includes investment/budget homes and lots. Their current listing includes properties in attractive locations in the National Capital Region (NCR), CALABARZON, Visayas, and Mindanao.

I have checked the listing and I noted that it includes more than 3,000 properties that are still in “Available” status.

The foreclosed properties for sale are very affordable and easy payment terms are also available. For more information, you may contact BFS directly using the contact details found here: http://www.bfs.com.ph/contactus

The BFS foreclosed real estate listing is available online and you may access it through the following link: http://www.bfs.com.ph/propertylist. For those who want to download the complete list by copying it online, you might get frustrated as it could take a long time to download due to the large amount of data, even with a fast internet connection. At least that was what I experienced when I tried it. Anyway, after a long wait, I was able to download the complete listing. If anyone wants to download my copy (which I have already zipped) to avoid the long time to download I encountered, you may download it here.

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I know a fellow real estate investor who has already purchased two repossessed houses from BFS which are now part of his portfolio of real estate investments. He is already receiving positive cashflow from these properties.

Bahay Financial Services, Inc. is a pioneering multi-national mortgage servicing platform that combines functional competencies in Mortgage Finance Origination and Credit Underwriting, Loan Servicing, Default Management, Property Management and Secondary Market Development. More information about BFS is available here: http://www,bfs.com.ph/aboutus

Don’t forget to subscribe to my mailing list so you won’t miss any new listings. If your mailbox is getting full, you may also subscribe via RSS reader.

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About Jay Castillo

Jay is the founder of Foreclosurephilippines.com where he shares real estate investing tips and foreclosed property listings. He quit his job as an I.T. Manager to focus on Real Estate Investing and Internet Marketing. He is a PRC licensed Real Estate Broker (REB License # 3194)... [Read more]

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  • Rhea Frias

    tumatawag ako sa number na nakapost para sana mag inquire, may sumagot pero hinang lang ako :9

    • Enrico Baring

      Hello po BFS & Sir Jay

      Do you have an office in Cebu? What is contact # in Cebu??

  • Rhea Frias

    hi jay, ask ko lang po if pwede din bang kumuha ng hulugan na bahay sa mga foreclosed na bahay?like for example magdown ako ng 40k then the rest hulugan ko?

  • http://www.bfs.com/property BFS Property Sales

    Again, to describe the foreclosure process in a very simplistic manner, there are 2 “major periods”: Pre- and Post-redemption period. So long as the redemption period has not yet expired, the Original Borrower (the Original Property Owner who first took out the loan with a government housing agency and NOT a mislabeled “ghost buyer”) may legally redeem/reclaim the property at anytime – by paying the appropriate amount owed – even if the rights to that property may have been sold to another party. However, after the redemption period has expired, the Original Borrower’s right to redeem is automatically forfeited.

    By Ms. Punzalan’s own admission, their party had illegally occupied the property, which was subsequently redeemed by the Original Borrower. While this is an unfortunate and infrequent incident, BFS does sell products that are in the Post-Redemption period i.e. where the Original Borrower has lost the right to redeem.

    We would also like to take this opportunity to remind our Buyers not to deal with or make any payments to any non-accredited BFS broker or representative. All payments should only be made in BFS’ offices.

    That said, please give us a call for any and all other concerns, including property availability and learning more about our products. Kindly visit our website at http://www.bfs.com/property or contact us via:

    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. 330 and 371)
    * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

    Davao Office:
    * (082) 221-0809
    * Unit 301, Plaza de Luisa, Davao City

    Our office hours are M~F, 9 am. ~ 6 pm.

    E-mail: info@bfs.com.ph

    Thank you.

    • DImasalang

      BFs,

      How can we inhabit the property if you will not give any documents required by the MEralco
      after we settle the amount in cash ?..like TCT/deed of sale /certificate of sale…? ty…pls let us understand the process of how to move in..how long will it take to issue move in permit?

  • Rowena

    ay nku prang balak ko pa man dn magtanong ksi prang insteresado me pero sa above na mga comento prang nakakadiscourage nmn.

    OFW from Kuwait

  • Luisa Punzalan

    you do not entertain down payment? what do you call the money that they (BFS) have asked us to put 8 years ago which is 50k? no ghost buyers? why the whole subdivision has 2 owners in one property.

    Agent negotiated and came to us, asked for money, we built are house, then agent from BFS will come along claiming there is original owner which we have to pay for the right. We have been dealing with BFS for 8 years now, have given them all papers that they have asked, assuring us that we will be the buyer for that land since this $@#$^% first buyer has abviously abandoned the lot for ages now.

    When we built our house there, it is totally nothing, even a dog cant live there, obvious that there was nobody has lived there from the very beginning, and then all of a suddenly after 7 years a lady who is living in that same subd. came to us claiming that she is the orig. buyer and started harassing my family to claim some money from us for that @$#$# right. BFS even took her side. Imagine after 7 years that we are living there. That bitch even called us squatter.

    Philippine goverment, can you do something to protect the rights of those decent people who becomes a victim of this monsters, they are abusing the philippine law to own.

  • http://www.bfs.com/property BFS Property Sales

    BFS sells its properties on a 1st to purchase, 1st served basis. We do not accept any form of “reservations” and as such, does not make sense for us to entertain nor condone “ghost buyers”. Furthermore, we offer a variety of payment and discount schemes, including spot cash and installment basis.

    BFS also has no control over the duration of the 1-year redemption period as mandated by law and must follow due process.

    Should you be interested to purchase a property or need further clarification about the different stages in the foreclosure process, kindly contact us via:

    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. 330 and 371)
    * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

    Davao Office:
    * (082) 221-0809
    * Unit 301, Plaza de Luisa, Davao City

    Our office hours are M~F, 9 am. ~ 6 pm.

    E-mail: info@bfs.com.ph

    Thank you.

  • Luisa Punzalan

    Tong mga taga BFS na to, meron pa kayong as per law na nalalaman. Mga buwaka ng ina nyo !!!! marami kayong sinisirang buhay na mga taong disente at lumalaban ng patas, makakakarma din kayo… mga hayop !!!!

  • Luisa Punzalan

    Bakit ang BFS, kahit hiningan na nila ng D.P yung new buyer bakit hindi nila patakbuhin agad yung redemption period? bakit kailangan pa nilang bigyan ng chance yung mga ghost buyer na hindi nagbigay kahit sinkong duleng pero nakapangalan sa kanila yung property? may anomalya sa loob ng BFS. calling all senadors, imbestigahan nyo po itong BFS na ito, maraming ahente at opisyal sa loob ng BFS na ghost buyer ng mga govt. property, imbes na maibenta agad yung property, nabubulok ito dahil sa mga ghost buyer na original buyer kuno. yung 25 years na chance na binibigay ng batas, naabuso. tanggalin nyo na yung bulok na sistema nyo para mapakinabangan yung govt. property ng mga taong willing magbayad at magkaroon ng disenteng tirahan.

  • http://www.bfs.com/property BFS Property Sales

    Depending on the stage of foreclosure that the property purchased is currently under, the property may still need to undergo further legal processes even after purchase, such as but not limited to expiry of redemption period and transfer of TCT to a specific party’s name. All details regarding the property purchased is explained to our Buyers prior to the consummation of any purchase.

    Should you have further inquiries or concerns, please do not hesitate to contact your Sales Specialist.

    For any and all other concerns, including property availability, kindly visit our website at http://www.bfs.com/property or contact us via:

    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. 330 and 371)
    * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

    Davao Office:
    * (082) 221-0809
    * Unit 301, Plaza de Luisa, Davao City

    Our office hours are M~F, 9 am. ~ 6 pm.

    E-mail: info@bfs.com.ph

    Thank you.

  • Joy Almaiz

    Hi, Ask ko lang po I already submitted my dos s bfs ksi my ngustuhan akong house but the problem is nung pagalis nmin tumawag sila then told me that yung lot na ngustuhan ko eh need pa n mtransfer sa balikatan so magadd pa ng 20-25k after mtransfer s bliktan another 20k n nmn pra maisalin sa pngaln ko,, any comment pls hope you could help me on this ngworry tuloy aq nung mabasa ko mga comments nyo

  • michael b. suriaga

    Ako po s i michael suriaga n g blk 16 lot29 tarlac st.city homes sampaloc IV ,ako ang kapatid ng me ari ng unit na ayon po bfs ay foreclose npo.ako ang authorized person at nakatira sa nasabing unit..Nagulat na lamang po ako nang aking malaman ko po ang unit pong ito ny naisanlang tira npo ng aking asawa na tatlong taon npo kaming hiwalay at wala po akong pahintulot para isanla nya po ito. sana po ako ay matulungan ninyo sa aking problma dahil nagawa po nilang buksan ang bahay ko ng walang pahintulot sa akin .Sana po ay mabigyan po ninyo ng pansin ana king jinaing.ito po ar sana po ay inyong mapasyalan ang aking po unit . maraming salamat po.

  • Sheng Coolit

    Ung s bahay po namin s Cavite nabayaran Year 2009.. Tapos po nag email po ako dun s email add nila s bahay financial. My contact number nmn po sila tapos nag reply s email add ko kya po pla d p namin makuha ung title eh kasi d rw po makontak ung papa ko that time. Kya nung nag reply s message ko ang sabi po sa amin eh s Makati daw po kukunin yung title so Year 2010 nagpunta kami tapos naibigay naman po agad ung titulo tapos po pinicturan ko p nga kasama ung representative nila. Tapos po s Gen. Trias dun n pnrocess ng papa ko kya po ok naman wala n kaming naging problema.

    • kristine alliv

      Hello maam sheng coolit! May i ask whats the contact number of balikata davao or manila? Do they have cp numbers? We bought a property just this feb… and we r still waiting for the electricity and water documents so we could move. I dunno where to make follow ups,.,

      • Sheng Coolit

        Ms. Kristine Alliv ito ung office and contact number ng BFS.

        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. 330 and 371)
        * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

        Davao Office:
        * (082) 221-0809
        * Unit 301, Plaza de Luisa, Davao City

        Our office hours are M~F, 9 am. ~ 6 pm.

        E-mail: info@bfs.com.ph

        S Makati Office pinakuha sa amin ung titulo after na ibigay sa amin yung details. Nakarating na rin kami s Alabang Office nila nagtanong kami kung pano ka makakabili ng property n agusto mo eh ang advice sa amiin eh di daw pwedeng bilhin ang isang bahay kung may nakatira pa… At dapat pa rin daw eh alam iyon ng first owner kasi mababalewala ang nagsatos mo dahil kailangan p rin ng authorization ng
        tunay n may-ari ng bahay. Interesado kasi kami na malaman kung anong bahay ang foreclosure na sa lugar namin para kung may budget eh makabili kami… Nung malaman namin na ganon pala naisip namin na balewala din pala kung ganon .. Marami din kasi sa lugar namin n tinitirhan iyong mga bahay ng 1st owner kahit hindi n sila nagbabayad. Minsan hwag ka ring maniniwala sa agent kasi ang dapat mong kausapin eh iyong mismong s office nfg BFS kasi nag-aalok ang ibang agent ng foreclosure na bahay tapos kung hindi pala talaga alam iyon ng 1st owner dahil umalis n sa lugar oh nandoon pa sa mismong bahay nakatira eh kawawa ka kasi maglalabas ka ng pera na hindi mo alam na talo ka at naisahan pa… At dapat mo ring alamin na kung talaga bang naipasa na s BFS iyong bahay bago mo bilhin dahil kung hindi pa pala talo ka na naman…
        Pero ang alam ko nagbibigay sila ng discount sa 1st owner kung gusto mo pang mahabol yung bahay mo hal. Month of Dec. may letter n darating sayo tapos makikipagkita ka ng personal sa kanila at sasabihin kung pano ang mode of payment hal. need mong mag down ng 200 thousand tapos non mag ma monthly ka ng 35 thou depending iyon sa presyo ng bahay mo kung maganda pa ba oh hindi naman masyado tapos after ng ilang month ng pagbabayad eh dapat i update mo rin sila para naman alam mo kung talagang hindi ka naloko oh kung pano mo makukuha ung titulo after ng bayaran. S Bangko k naman magbabayad eh kung saan ang bangko n sinabi sa’yo…

        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. 330 and 371)
        * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

        Davao Office:
        * (082) 221-0809
        * Unit 301, Plaza de Luisa, Davao City

        Our office hours are M~F, 9 am. ~ 6 pm.

        E-mail: info@bfs.com.ph

  • http://www.bfs.com/property BFS

    By law, up until the redemption period expiry date, an Original Borrower maintains certain legal rights over the concerned property and as such, needs to be upheld and honored by BFS. This supersedes any negotiations, including those with illegal occupants.

    For any and all other concerns, including property availability, kindly visit our website at http://www.bfs.com/property or contact us via:

    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. 330 and 371)
    * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

    Davao Office:
    * (082) 221-0809
    * Unit 301, Plaza de Luisa, Davao City

    Our office hours are M~F, 9 am. ~ 6 pm.

    E-mail: info@bfs.com.ph

    Thank you.

  • fhey barcelona

    may 4 2013
    tanong ko lang po kung meron kayong hawak na BFS sa phs2f mabuhay homes golden city sta rosa laguna, thanks po

  • http://none Luisa Punzalan

    yung samin foreclosed na then tapos na rin yung redemption period, willing kaming bilhin kasi nga nakatira na kami don biglang sabi ng hayup na bfs specialist “ay, binuy back po ng orig owner” 220,000 pesos lang yung binayaran ng orig owner ha, may naglakad, kasi nga lam nila pede naming kagatin sa anumang presyo dahil nandon na kami eh at in 7 years na nadon kami nakikipag usap kami ng maayos sa BFS tapos bigalng ipagbibili nila sa mababang presyo yung lot sa oribuyer na wala namang binigay na kahit down eh kami hiningan nila ng 60k na DP, mga buwitre yang mga hayup na yan, dapat sa BFS linisin at ipa media, para mapahiya yung mga manager na hindi man lang makita ni anino nila.

    • DImasalang

      ghost buyer!…nakakatakot na ngayon..lalo na yung mga inosente at wala masayadong naiintindihan sa property…kawawa naman sila…aabusuhin ng mga hayop na yan yung pagiging mahina ng iba nating kababayan,, ..

  • BFS

    For any and all concerns (i.e. current foreclosure status of property and/or title consolidation issues), kindly get in touch with your Sales Specialist or contact us via:

    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. 330 and 371)
    * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

    Davao Office:
    * (082) 221-0809
    * Unit 301, Plaza de Luisa, Davao City

    Our office hours are M~F, 9 am. ~ 6 pm.

    E-mail: info@bfs.com.ph

    Thank you.

    • onin

      Hi BFS, I have tried to email your after sales representative (L. M.) but he does not reply to my mail. para sa akin mas convinient ang email kasi mababalikan mo ang mga details compared to phone transaction na pwede mong makalimutan. after a month di mo na maalala ang info given by your sales representative. in my case months have past but still no response. I’m sure naman lahat ng nag entry sa Blog na ito may email… this is a good venue para malaman din namin yung issue ng iba and para din maiwasan yung ganung problema.. now kung talagang gusto nyo kami tulungan advice nyo kami on a regular basis. hindi yung kailangan pa namin mag follow-up…

  • Jerome

    2009 pa po nabayaran ng bayaw ko ung biniling bahay sa BFS…Cash po.. Hanggang ngaun wala pa pong title…Matagal na pong in-process…laging in-process…Hindi po tuloy kami makapagparenovate…kc kailangan ng title for the renovation loan… patulong naman po BFS Management…Kindly advice po ng timeline …

    Malamang may problema kaya di agad mailipat…

    • onin

      Hi Sir Jerome, I have the same sentiment; cash ko din binayaran ang house and lot ko last July 2011 pero till now wala pang linaw kung nasaan na ang processing ng papers ko. palagi nilang dahilan, dahil gobyerno daw di daw nila kayang pabilisin ang process. pero nung tinangap na nila ang bayad mo kabibilis. sana lang may tumulong sa atin dito, ilan na ba tayong nagbayad na at lahat wala pa ding hawak na papeles sa pangalan natin. kahit upuan sana araw araw ang papel natin matatapos din. di naman araw araw may bumibili ng bahay.

  • Yolly

    Hi sir Jay,

    How do i know kung na meet na ng previous owner yong redemption period na ibinigigay sa kanila. Intresedo po kasi ako dito sa
    property nila n malapit lang dito sa street namin at more than 10 years ng vacate. Me nakuha po akong broshure from BFS informing the owner about the BFS.

    Kung ako po ang bibili kailangan pa po bang makipag arrange at makausap yong previous owner or bahala na ang BFS duon, ano po ang security na pwede kong panghawakan na akin na talaga yong property baka kasi pag kami na ang nakatira biglang sumulpot yong totoong may ari.

  • Abby

    Hi Mr. Jay,
    I just want to ask lang po regarding sa mga conditions ng mga lots sa subdivision namin (Pampanga)and we are worried po kasi may mga naririnig kaming mga balita na nakakaalarm po talaga. Is there any way that I can talk to you personally?So that I can discuss po ang situation? Thank you….

    • http://www.foreclosurephilippines.com Jay Castillo

      Hi Ms. Abby, sorry but I believe it would be better for you to talk to BFS directly. I am neither connected, nor accredited with BFS so I am just a third party to this.

      • onin

        Hi Sir Jay Castillo, nagpapasalamat kami sa ganitong Blog at meron kaming natutunan tungkol sa BFS.. pero sana lubusin mo na ang tulong mo. tulungan mo kaming mga nakabili na ng bahay pero hindi pa natatangap ang TCT. sana malaman namin ang tunay na proseso? saan ba tumatagal? BFS ba ang dapat habulin? ano ang dapat gawin ng mga bumili?

  • haidee

    Naghahanap po ako ng buyer for our house in Sabang, Dasmarinas Cavite in Greensborough. Accessible and peaceful community malapit sa lahat especially good schools and hospitals, malls. We migrated abroad already and wala ng mag aasikaso sa house kaya gusto na nming ibenta. 75sq. m. lot, 50 sq. m floor area. Pki email na lang ako. clean title ito so I need cash or pwede mag apply finacing as long as full ibayad sa min. thanks!

    • jhez

      hi, ask ko lng po how much po ung house nio? tnx

  • madel

    Hi sir gud pm po, tanong ko lang po kung may available ng property bandang taytay rizal under BFS, if meron po, we wanted to buy a property on a cash basis with a discount, please help po kung meron.
    thanks

  • BFS

    Aside from Property Sales, one of BFS’ programs is to invite Original Borrowers to settle their long-outstanding loans. This scope includes but is not limited to convincing illegal occupants staying in the properties to peacefully vacate and/or legally purchase their right to stay in the property.

    As stated in our website and as discussed with all our Buyers during the negotiations process, prices are subject to change at anytime to reflect current fair market values and may be paid via a host of avenues, including spot cash and installment pay schemes. Likewise, BFS sells pre-owned properties, which are “conditional” in nature i.e. may still be subject to foreclosure proceedings and processing time of government agencies, thereby delaying the delivery of titles.

    Nevertheless, your purchase with BFS is entirely legal and is in accordance with the law. That said, as long as you have fully paid for the property and have signed the necessary legal documents, you may inhabit the properties with no prejudice or other cause for concern.

    Should you have anymore questions, concerns, or inquiries, please do not hesitate to contact us:

    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. 330 and 371)
    * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

    Davao Office:
    * (082) 221-0809
    * Unit 301, Plaza de Luisa, Davao City

    Our office hours are M~F, 9 am. ~ 6 pm.

    E-mail: info@bfs.com.ph

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

    Thank you very much.

  • lito

    gud am po!ask me lang po,housing loan din po ba ito na pwedeng installment ang bayad?pano po mag-avail ng program?

  • disappointed me

    @Zarrah Encomienda

    Hi! Miss Zarrah, as i observe.. Sir Jay wasn’t answer any queries na.. We don’t know why?… We hope that Sir Jay could still assist all quiries again… Thanks!..

    • Zarrah

      disappointed me says:

      please give me your email address.

  • Zarrah Encomienda

    Hi Sir Jay, ask ko lang po talaga po bang matagal mag release ng titulo ang BFS 2008 fully paid na po yung nabili ko sa BFS pero until now wala pa akong hawak na titulo pag nag follow up naman po ako sabi nila pina process pa po. wala naman po akong magawa OFW po kasi ako pero next year plano ko na pong mag stay muna sa Philppines hangat hindi ko nakukuha yung titulo ko natatakot napo kasi ako sino po bang dapat lapitan dito.. salamat po.

  • disappointed me

    Good day!
    I am not expecting that one day na isa na ako sa mga disappointed buyer ng foreclose property sa BFS. I heard lots of bad rumors happening in that office. but i thought rumors are just rumors. So, friendly advice lang po for those who have plans to get some foreclose property with BFS, not to assure your self na lahat ng sasabihin ng agent ng bfs ay mangyayari po. Be patient na lang co’z i assure you, they will try to get over your patient talaga.. Like what happened to us.. all the while we thought oky na ang pag uusap. We talked to a friendly staff of BFS. They offer a promo discount like 30%, 40% & 50% depend on the foreclose property tag colors ang discount you choose. So in our case prize after discount settled, but we have to request my relatives to move for a while all their things. ksi kasama dw talaga sa requirements nila na before you proceed for paying even cash payment kailangan totally wlang gamit na makikita when they check the said property. At first we were so worried co’z we heard some stories na pag umalis na ang relatives ko from the foreclose house and surrendered the key at BFS, We are not sure dw na samin ibibigay yung unit dahil pag marami dw ang interesado, bigla na dw tataas ang price na napag usapan na, and since wala na samin ang key wala na din kaming magagawa, unless we can pay the price they add into the actual price already agreed na.. from the actual price agreed tumaas po ng almost 70K ang babayaran na nmin. when you asked them nman why there’s sudden changes of pricing, ang dami ng dahilan.. so ang mangyayari it’s up to you na lang if you TAKE IT or LEAVE IT!.. nkaka disappoint talaga. So, careful.. careful na lang po…
    For clarification lang po.. I am not accussing or spreading rumors.. It is just base in our experience lang po.. Thanks!..

  • http://www.bfs.com.ph/property BFS Property Sales

    Good day to everyone.

    We would just like to remind everyone that THIS SITE IS NOT a BFS-SPONSORED SITE. We are all here c/o Mr. Jay Castillo’s personal benevolent efforts to educate the general public.

    For your specific property concerns, kindly contact BFS 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. 330 and 371)
    * 22/f – BPI Buendia Center, Sen. Gil. Puyat Ave., Makati City

    Davao Office:
    * (082) 221-0809
    * Unit 301, Plaza de Luisa, Davao City

    Our office hours are M~F, 9 am. ~ 6 pm.

    E-mail: info@bfs.com.ph

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

    Thank you very much.

  • http://yahoo marivic bariquit

    good day!
    sir, anak po ito nang isang owner ng bahay dito sa panabo city mindanao…ang principal owner ng bahay is my father abundio bariquit who died just this march of 2012…before namatay yong papa ko nakatanggap na kami ng foreclosure notice sa bahay if im not mistaken on jan or middle feb 2012…due to some circumtances my father was died so he wasnt able to settle the problem..last june 01, 2012 pumunta ako sa bfs office davao asking if what best options that we are going to do..ang sabi po sa akin ng specialist pay asap or we have redemption period until jan 2013 at sabi ko kanya na bigyan kami ng time until na makahanap kami ng pera…do worst is last aug 30, 2012 nagpunta ang brgy konsehal namin sa bahay sinabihan kami na may nakalagay sa brgy hall na ilang days na lang at paalisin na kami sa bahay….naguguluhan ako sir whereinfact nagpersonal appearance naman ako sa bsf davao na bigyan kami ng time kasi maghanap pa kami ng pera ang malaking amount din yon hahanapin ko…hope u could help me regarding this problem…
    thanks

  • http://www.foreclosurephilippines.com/2009/01/bahay-financial-services-bfs-pre-owned.html#respond daimler

    may rights pa ba ang owner na maningil ng rebt kahit naforeclose na sa kanil;a??

  • misty

    hello sir,
    marami pong mga illegal settlers sa sweden st, san marino city.kalimitan cla pa ang mga matatapang at gumagawa ng gulo.kawawa naman yung mga home owners dahil sila ung naapektuhan.ung mga taong ito ay nagnanakaw pa ng kuryente.
    sana matugunan nyu ang concern na ito.tnx

  • http://kuming.net asking

    abandoned n po b itong site po n ito?…. 6 months na since last answer ung moderator…. sad nmn kc nkakahelp tlaga xa…. hope nd pa nmn….

  • melvin

    gud day sir jay, may quiry lang po sana ako.di po naman malocate ang orginal owner ng area.ano po gawin namin para mabili ang area?wait na lang po ba kami na maforclosed ang area?salamat po

  • mimi18

    Hello sir jay1

    i would just like to ask. ano pong ibig sabihin ng different color dun sa mga foreclosed properties ng BFS..

    your response will be greatly appreciated.. Thank you!

  • art tivoli

    hi sir!could u help me to find buyer for my property.thank you so much

  • art tivoli

    HOUSE N LOT FOR SALE – BLK.63 LOT 1 LONGINOS ST. LAGRO SUBD. NOVA. Q.C.
    3.7M negotiable
    Total area: 265 sq. meter ( clean title, all taxes paid )
    3 bedrooms, 2 toilet and bath, 1 storage room, 1 garage
    with nipa hut,corner lot,biggest lot in the area,fixer-upper w/ a lot of potentials, great investment
    3 mins away from Sm Fairview, Robinson Place Nova,
    2 mins away from Mary the Queen Parish Church
    2 mins away from Fatima College, STI College, AMA College
    2 mins away from supermarket ,groceries and mercury drugstore
    1 min away from Ascension and Lagro High School,post office
    1 min away from Brgy Hall and Police Station
    accessible to transport, flood free,24 hr water ( NAWASA )

    Feel free to drOp an email or call me up @ 09476281159 / 09321181766 / 09052834605 / 02-4171965.Email add: arttivoli06@gmail.com.
    pm me so i can send the pictures of our house.

  • Claude

    Hi Sir Jay,

    My house and lot in San Pedro, Laguna is not yet foreclosed but I’m thinking about selling it already hangga’t kaya ko pang wag ipaforeclose. Bumibili ba ang BFS ng mga ganitong klaseng properties?

  • rodel austria

    hello gud pm po..ask ko lng po kung fully paid n po ang pangalang LORIETA ABARICIA which is located at L.F.TEACHER’S VILLAGE COTTA LUCENA CITY,,bale pinag bibili po kc nila sa amin ng pa partial partial ang kanilang bahay..atska po kung magkanu po nila un nabayaran..naniniguro lng po salamat po..kung personally po kme pupunta sa inyong opisina san po kya nmin makikita ang inyong exact location thank you po..rhodel.austria@yahoo.com

  • janice

    ask ko lng po my available p po bang bhy dito s pleasant hill san jose del monte bulacan,kc pgkakaalam ko hawak n po ito ng BFS, so sn po meron kayo list ng bhy dun s mga available p?interesado po kc ako bumili..tnx po

  • lyn

    gud eve. ask ko lang, what are the requirments for acquiring pre-owned property, and if just incase papers are all available and transaction between BFS and buyer are taking place, pwede na bang i-occupy yung place

  • Leonid

    Scam?

  • jeff

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

    thanks so much in advance! :)

  • jeff

    sir jay,,san po ba makakuha ng bahay na rent to own,,meron po ba kayo dito sa las pinas?? salamat

  • sheena

    SIR ask ko lang po kung ano pong step by step kung pano bibili ng property sa bfs. may nagalok po skin sa molino, i just have to pay for the rights of 100,000 to the owner. pwede na daw pong tirhan saka na lang daw magbayad sa bfs pag foreclose na,wala po kasi akong alam regarding sa pag bili ng property. pls help me…
    thank you n GODBLESS….

    • avic

      yes sheena u can pay the original borrower/owner for the rights. ask for them to sign the deed of sale and special power of attorney.ask for xerox copy of title, tax declaration and latest computation of their real property tax. their marriage cert, valid IDs, 4 pcs ID pictures, latest billing statement then go to bfs Makati ask for their outstanding balance. this is proper way to transact with the bfs. NEGOTIATE ONLY with the rightful owner first and it will be all legal. because BFS cannot transfer title because HINDI naka pangalangan ang title sa kanila…

  • Maricar Grindrod

    Hi, I bought a property form BFS 2 years ago and until now I’m still waiting for the title to be released. Does it usually take this long?

  • cindy m juaner

    pwedi bang malaman kung ako un ng rent sa house na nsa judicial na pwedi bang e benta sakin ng  rytful owner 

  • Edgar_eslabra

    good day sir/maam meron po b kayong foreclosed prop sa san marino city? i wanted po kc na bumili ng house.. can u help me out w/ the details and options to avail .. tnx for ur response..

  • jade

    meron po ba mabibili sa camella barcelona ph1 and 2. 500k po

  • Ivy Joy Tolentino

    Sir Jake pwede nyo po ba ako assist? first time ko lang po kasi acquire ng property public school teacher po ako dito sa Dasmariñas, Cavite ano pa po ba availbale sa Solar Homes Dasmariñas?

  • Ivy Joy Tolentino

    Sir Jake gu pm po inquire ko lang po if available pa ung Solar Homes Phase 2 Lot 15 Blk. 13 Centaur St. Langkaan, Dasmariñas, Cavite and Phase 2 Lt. 61 Blk. 13 Solar Homes. San po pwede makita accounts nito pwede kya to thru PagIbig? Thanks po God bless

  • jeff

    sir jay castillo inquire ko lang po ang blk 17 lot 28 bougainvilla st. capitol hills subdivision trece martires city cavite kung for closure na .. san ko makikitaa ng accounts nun ?
    im just want to buy that property… thanks godblesss

  • Cutienash

    Hi,
    Good day!Just want to ask some advice. Nakatira kc kmi ng family ko sa nabiling unit na rowhouse sa cavite ng kuya ko, actually rights lng pala ung nabili. kaso natigilan nya nya ng paghulog ng monthly amortization kaya ngaun foreclosed na sya pero di pa expire ung redemption period na binigay. Ano po pwede ko gawin dun kc gusto ko sana bayaran na lng kc sayang ung unit kaso pwede po ba yun sa installment? Hope you can help me with this. Thanks.

  • Aliahmarcus

    hi jake vargas

  • Ed Cuartero

    Boss, tanong ko lang sana ung price po ba na nakalagay sa properties un n po ba ung price? ala na pa ba iba babayaran don?

    • art tivoli

      MERON PO KAMI BINEBENTA BAHAY AT LUPA SA LAGRO SUBD PO,3 BDROOMS,2 TOILET N BATH,1 GARAGE, CORNER LOT,,CLEAN TITLE PO, PHP3.7M ( NEGOTIABLE ).FEEL FREE TO CALL ME UP @ 4171965,09476281159,09052834605,09321181766 OR EMAIL ME @ arttivoli06@gmail.com. I can send pictures of our house for those who are interested. Thank you. God bless

  • http://www.facebook.com/profile.php?id=100001097269686 Cathyrine Marquez Hyndman

    Hi. Yung sa town & country village ho ba sa phase 3, ilan ho ba ang bfs don? Pwede ho ba makuha cellphone no. nyo?

    • http://www.foreclosurephilippines.com Jay Castillo

      Hi Ms. Cathyrine,

      Please contact BFS directly through the following:

      Mobile +63-922-9999-BFS (+63-922-999-237)
      Head Office
      BPI Buendia Center
      24th Floor
      Senator Gil Puyat Avenue
      Makati City, Philippines 1200
      Trunkline: +632 750-3888
      Fax: +63 (2) 756-6247

      Account Management
      BPI Buendia Center
      22nd Floor
      Senator Gil Puyat Avenue
      Makati City, Philippines 1200
      +632 756-6230

      Property Operations
      BDO Makati Building
      8th Floor
      Makati Avenue
      Makati City, Philippines 1200
      +632 892-6100

      Alabang Office
      Insular Life Building
      8th Floor
      Alabang
      Muntinlupa, Philippines
      +632 756-6267

      Davao Office
      Plaza de Luisa
      Unit 301
      Davao City
      Davao, Philippines
      +6382 221-0809

      Toll Free Philippines: 1-800-10-2255-BFS (1-800-10-2255-237)
      Website: http://www.bfs.com.ph
      Email: info@bfs.com.ph

  • Braveheart_032003

    Good day. Sir, can i ask for actual pictures of those properties for sale…magddown na po kasi by saturdat (feb.18) sa pinareserved ko sa may lancaster imus… bka mas ok yung sa inyo,dun ako kukuha… interested po ako sa mga areas ng bacoor to imus cavite or if kaya ng budget within metro manila lang na nahindi binabaha…here’s my email add braveheart_032003@yahoo.com

  • Gracepenera

    hi jay! pwde mo ba ako mabigyan ng mga foreclosed list property in windward hills dasmarinas cavite,kng meron kang informtion pwede po bng sa fb k nalng ibgay ang gracepenera@yahoo.com

  • Jerryong19_

    mag tanong po ng mga nabili nyo n mga bahay at lupa,na pwede din mabili namin.

  • Maesierose_27tomas

    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)..

  • Larry_tomas79

    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)

  • Melody_zalvaje

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

  • Nora_addun24

    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,  

  • jhen

    Hi Jay

    paano po pag installment,can u pls send me for example 700k ang amount ng hauz and lot

  • wilson

    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…

  • Edithc

    BFS ang tagal mag release ng Title diyan grabe 3  years na fully paid ng friend ko until now namomoroblema ang friend ko diyan. Natatakot na friend ko gusto ng gumamit ng Abogado.

  • Cher

    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! :)

  • http://housesforrent dedee

    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

  • http: sancha

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

  • http://www.bfs.com.ph/property BFS Property Sales

    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.

  • http://yahoo Allan

    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?

  • nel

    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

  • mina san luis

    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

    • http://www.casaavilarealty.com Antonio Avila Jr.

      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.

  • http://www.bfs.com.ph/property BFS Property Sales

    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.

  • http://www,hindranamentalita@yahoo.com Mentalita D. Hindrana

    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.

  • Ligaya S. Francisco

    do you have foreclosed properties for sale near almar?

  • ferlita loriego

    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.

  • http://www.bfs.com.ph/property BFS Property Sales

    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.

    • rudy bernat

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

  • Dexter

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

  • http://www.bfs.com.ph/property BFS Property Sales

    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.

    • DImasalang

      wala naman pong sumasagot dyan sa email nyo…

    • DImasalang

      just want to ask sir if we can make a SPA to athorize someone to transact with bfs on their behalf..senior citizen na po kasi ang applicant nahihirapan ng bumiyahe..taga cavite po kami..

  • http://facebook retchel cayubit

    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….

  • http://danmanti26@yahoo.com danilo maniti

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

  • http://www.bfs.com.ph/property BFS Property Sales

    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.

  • isa lucero

    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

  • http://www.bfs.com.ph junie estabillo

    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.

  • http://www.bfs.com.ph/property BFS Property Sales

    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.

    • lani

      i just want to ask , how many months ang process ng title if sa BALIKATAN?

  • http://brgyninoyaquino. danilo maniti

    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.

  • http://brgyninoyaquino. danilo maniti

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

  • bevs

    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.

  • mrs.daniel,leonor

    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 …..

  • Mhey

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

  • sir/mam

    listahan po ng forclose sa camella sorrento at price, thanks

  • sir/mam

    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.

  • http://none dia

    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!

  • Dodot Nuñez

    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.

  • baby b.

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

  • baby b.

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

  • gemma sanada

    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

  • baby b.

    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

  • baby b.

    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.

  • Ivy L.

    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+

  • Ivy L.

    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?

  • ahniemay sabile

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

  • http://bahayfinancialservices manny rivera

    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.

  • gody

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

  • WALLY

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

  • manny

    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.

  • http://yahoo kyle

    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

  • leo

    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.

  • http://ms.biascamylene@yahoo.com mylene

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

  • Madz

    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

  • DANTE A DEMEGILIO

    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

  • sylvia

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

  • Jay

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

    thanks

    benny

  • Dan

    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.

  • jo

    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.

  • Ronald

    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

  • jhen

    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 ?

  • jhen

    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!

  • michelle

    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

  • Roger

    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.

  • http://n/a Joel

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

  • Ren

    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?

    • http://www.foreclosurephilippines.com Jay

      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.

  • cristy

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

    • http://www.foreclosurephilippines.com Jay

      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.

  • nads

    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.

  • jannete

    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!!!!

  • eloisa delos santos

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

  • http://www.foreclosurephilippines.com/2009/01/bahay-financial-services-bfs-pre-owned.html ten

    @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

  • http://www.foreclosurephilippines.com/2009/01/bahay-financial-services-bfs-pre-owned.html ten

    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?

  • marvin

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

  • nice grl

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

  • nads

    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.

  • Rovie

    Hi Jay.

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

    Thanks a million!

  • Teth

    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.

  • Arcelia P. Casas

    Pwede malaman ang sagot today? Please help thanks

  • Arcelia P. Casas

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

  • Rovie

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      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?

  • manny

    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!

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

  • john infante

    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

  • renz

    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.

  • icy

    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.

  • emmie samson

    looking for foreclosed house and lot in san fernando pampanga

  • Marie T. Ellema

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

  • tina

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

  • http://none daddy

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

    yun lang.

    • papabitz

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

    • http://www.foreclosurephilippines.com/2009/01/bahay-financial-services-bfs-pre-owned.html ten

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

  • grace

    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

  • felix

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

  • jha

    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?

    • http://www.foreclosurephilippines.com Jay Castillo

      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.

      • http://www.casaavilarealty.com Antonio Avila Jr.

        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

        • http://www.foreclosurephilippines.com Jay Castillo

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

      • bevs

        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

  • jocy

    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….

  • jenet doctor

    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..

  • http://talitz2550.multiply.com Lolita

    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

    • http://www.foreclosurephilippines.com Jay Castillo

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

      • http://talitz2550.multiply.com Lolita

        Thanks a lot Jay… More powers :)

  • carol

    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

    • http://www.foreclosurephilippines.com Jay Castillo

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

  • andrea

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      Hi Andrea,

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

  • nhorvel

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

  • JOVENCIO ARAQUEL

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

  • christopher

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

  • Leah Mabonga

    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!

  • Leah Mabonga

    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…

    • http://www.foreclosurephilippines.com Jay Castillo

      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.

  • eloisa

    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.

  • renz

    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!!!!…..

  • rhea r.

    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!(=

    • http://www.foreclosurephilippines.com Jay Castillo

      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.

  • renz

    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!….

    • http://www.foreclosurephilippines.com Jay Castillo

      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…

  • Anonymous

    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!!!

    • http://www.foreclosurephilippines.com Jay Castillo

      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.

  • Daisy Pila

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      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

  • Romeo Barangan

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

    Thanks,
    romeo

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

  • leah mabonga

    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…

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

    • jojo dela cruz

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

  • marjun amon

    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

  • MYRNA

    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!

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

      • http://yahoo bambi

        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

  • ayehn

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

  • geraldine

    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

  • Shaun

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

  • Roel Vergel

    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

  • Roel Vergel

    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

    • http://www.foreclosurephilippines.com Jay Castillo

      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!

      • http://jonhappiness.blogspot.com Jonha

        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 =-.

  • Evelyn Dalipe

    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.

  • geraldine

    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

    • http://www.foreclosurephilippines.com Jay Castillo

      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.

  • http://www.foreclosurephilippines.com Jay Castillo

    @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!

    @

  • paolo

    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…

  • fe cabrera

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

    • mel bautista

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

  • Joseph Ira

    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.

    • Roel Vergel

      @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…

  • Mary joy guansing

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

  • http://ariel.aquino@rocketmail.com ariel

    how about taguig area along c-5

  • http://macoy_23@yahoo.com diana

    wat po ibg sabhin ng redemption period,,

  • http://ariel.aquino@rocketmail.com ariel

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      @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!

    • Roel Vergel

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

  • http://yahoo matt peco

    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.

    • http://www.foreclosurephilippines.com Jay Castillo

      @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!

      • http://www.casaavilarealty.com Antonio Avila Jr.

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

  • Jay Castillo

    @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.

  • Jay Castillo

    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. =)

  • Anonymous

    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

  • Jay Castillo

    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

  • anjie

    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.

  • Jay Castillo

    @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!

  • annie

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

  • engle

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

  • Jay Castillo

    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!

  • Anonymous

    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…

  • Jay Castillo

    @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!

  • Anonymous

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

  • katrina

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

  • Jay Castillo

    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!

  • jerrell

    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?

  • Jay Castillo

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

  • betty

    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.

  • Jay Castillo

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

  • betty

    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.

  • Jay Castillo

    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.

  • betty

    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.

  • Jay Castillo

    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.

    • http://brgyninoyaquino. danilo maniti

      hi reply ka sakin
      can you be my friend….

  • Dins

    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…

    • http://www.perakoto.com Invest in Your Future

      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.