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3,116 Pag-IBIG Foreclosed Properties (Acquired Assets) in March 2024 Listings

March 1, 2024 – Here are all Acquired Assets/ Foreclosed Properties scheduled for auction/negotiated sale this March 2024 from Pag-IBIG or HDMF. Schedules/listings are updated weekly. Details below.

Pag-ibig acquired assets for sale as of July 2023

Pag-IBIG Acquired Assets/ Foreclosed Properties For Sale (March 2024)

Browse all Pag-IBIG foreclosed properties in “easy to search” database:

==> Click for all Pag-IBIG acquired assets/ foreclosed properties inside our database

This compilation of acquired assets is from Pag-IBIG’s official website.

Deletion of old listings inside my database is ongoing and should be finished within a week after the end of each month.

NCR Branch Schedules/Listings

Tabulated below are all schedules for public auction and negotiated sale under Pag-IBIG’s NCR branch. (Note: Latest upcoming schedules/listings based on last day of submission of bids/offers are at the top)

Bid/Offer acceptance
period/details
Property list /
Guidelines
Locations# of properties
March 11-15, 2024
▪️ NCR 1st Auction
▪️ Tranche 317
▪️ No Discount
▪️ Batangas
▪️ Bulacan
▪️ Cavite
▪️ Laguna
▪️ Metro Manila
▪️ Rizal
208
March 04-08, 2024
▪️ NCR 2nd Auction
▪️ Tranche 266
▪️ With Discount
▪️ Batangas
▪️ Bulacan
▪️ Cavite
▪️ Laguna
▪️ Metro Manila
▪️ Rizal
254
March 04-08, 2024
▪️ NCR Branch
▪️ Negotiated Sale
▪️ Batch # 15201
▪️ Batangas
▪️ Bulacan
▪️ Cavite
▪️ Laguna
▪️ Metro Manila
▪️ Rizal
496
February 26 to
March 01, 2024

▪️ NCR 1st Auction
▪️ Tranche 315
▪️ No Discount
▪️ Batangas
▪️ Bulacan
▪️ Cavite
▪️ Laguna
▪️ Pampanga
▪️ Metro Manila
▪️ Rizal
398
February 26 to
March 01, 2024

▪️ NCR Branch
▪️ Buyer Initiated Bulk Sale
▪️ Metro Manila
▪️ Cavite
▪️ Davao City
▪️ General Santos City
▪️ Cebu Province
▪️ Negros Occidental
▪️Iloilo
▪️ Camarines Sur
▪️ Bulacan
▪️ Pampanga
290
February 26 to
March 01, 2024

▪️ NCR Branch
▪️ Negotiated Sale
▪️ Batch # 15200
▪️ Batangas
▪️ Bulacan
▪️ Cavite
▪️ Laguna
▪️ Pampanga
▪️ Metro Manila
▪️ Rizal
499
Total: 2145

Provincial Branches Schedules/Listings

In the following table, I combined all listings/schedules from Pag-IBIG’s various provincial branches. The latest upcoming schedules/listings based on last day of submission of bids/offers are at the top. Uploading to the database of all provincial listings is currently on hold due to unforeseen circumstances (I’ll try to resume by March 2024).

Bid/Offer Acceptance
Period/details
Property list /
Guidelines
Location of properties# of properties
March 12-22, 2024
▪️ Bacolod Branch
▪️ 1st Auction
▪️ No Discount
▪️ Bago City
▪️ ROXAS CITY
▪️ ILOILO CITY
▪️ BACOLOD CITY
▪️ PAVIA
33
March 04-08, 2024
▪️ Bacolod Branch
▪️ Negotiated Sale
▪️ Batch # 059-126
▪️ CAPIZ
▪️ ILOILO
▪️ NEGROS OCCIDENTAL
▪️ ANTIQUE
49
February 26 to
March 01, 2024

▪️ Bacolod Branch
▪️ Negotiated Sale
▪️ Batch # 059-125
▪️ CAPIZ
▪️ ILOILO
▪️ NEGROS OCCIDENTAL
26
February 27 to
March 04, 2024

▪️ Calamba Branch
▪️ Negotiated Sale
▪️ Batch # 47184
Batangas Province
▪️ Bauan
▪️ Lipa
▪️ Malvar
▪️ Mataas na Kahoy
▪️ Rosario
111
February 29 to
March 06, 2024

▪️ Calamba Branch
▪️ Negotiated Sale
▪️ Batch # 47185
Quezon Province
▪️ Atimonan
▪️ Candelaria
▪️Guinayangan
▪️ Lucena
▪️ Pagbilao
▪️Plaridel
▪️Sariaya
▪️ Tagkawayan,
▪️ Tayabas City
▪️ Tiaong

Occidental Mindoro
▪️ Mamburao
▪️ San Jose
111
March 05-11, 2024
▪️ Calamba Branch
▪️ Negotiated Sale
▪️ Batch # 47186
Cavite
▪️ General Trias

Laguna
▪️ Calamba
▪️ Pila
▪️ San Pablo
▪️ Santa Cruz
▪️ Victoria

Oriental Mindoro
▪️ Baco
▪️ Bansud
▪️ Gloria
▪️ Naujan
▪️ Puerto Galera
▪️ Socorro


Palawan
▪️ Brooke's Pointe
▪️ Puerto Princesa
▪️ Quezon
69
March 04-08, 2024
▪️ Cebu Branch
▪️ Negotiated Sale
▪️ Batch # 64050
▪️ Negros Oriental properties57
February 26 to
March 01, 2024

▪️ Davao Branch
▪️ Negotiated Sale
▪️ Batch # 88071
▪️ SOCCSKSARGEN
▪️ North Cotabato
▪️ Magindanao
▪️ Shariff Kabunsuan
157
March 04-08, 2024
▪️ Davao Branch
▪️ 1st Auction
▪️ No Discount
▪️ Tranche # 51
▪️ (March 13 Opening)
▪️ North Cotabato
▪️ Sultan Kudarat
▪️ Maguindanao
19
March 11-15, 2024
▪️ Davao Branch
▪️ 2nd Auction
▪️ With Discount
▪️ Tranche # 52
▪️ (March 20 Opening)
▪️ Davao Del Sur
▪️ Davao Del Norte
▪️ Davao De Oro
▪️ Davao Oriental
37
February 16 to
March 01, 2024

▪️ La Union Branch
▪️ Negotiated Sale
▪️ Batch # 28080
▪️ Pangasinan51
February 16 to
March 01, 2024

▪️ La Union Branch
▪️ Negotiated Sale
▪️ Batch # 28081
▪️ Abra
▪️ Benguet
▪️ Ilocos Sur
▪️ Ilocos Norte
109
February 27 to
March 04, 2024

▪️ Naga Branch
▪️ Negotiated Sale
▪️ Batch # 53175
▪️ Albay
▪️ Catanduanes
31
February 26 to
March 06, 2024

▪️ Zamboanga Branch
▪️ Negotiated Sale
▪️ Batch # 76106
▪️ Jasmin Villas Subdivision
Olingan, Dipolog City
14
February 26 to
March 06, 2024

▪️ Zamboanga Branch
▪️ Negotiated Sale
▪️ Batch # 76107
▪️ Misamis Occidental
▪️ Zamboanga Del Sur
▪️ Zamboanga Sibugay
33
February 26 to
March 01, 2024

▪️ Zamboanga Branch
▪️ Negotiated Sale
▪️ Batch # 76108
▪️ Bongao, Tawi-Tawi
▪️ Patikul, Sulu
▪️ Zamboanga City
14
February 28 to
March 05, 2024

▪️ Tuguegarao Branch
▪️ Negotiated Sale
▪️ Batch # 34069
▪️ Cagayan
▪️ Isabela
▪️ Nueva Vizcaya
▪️ Quirino
22
March 05-11, 2024
▪️ Naga Branch
▪️ Negotiated Sale
▪️ Batch # 53176
▪️ Albay
▪️ Masbate
28
Total: 971

Reminder: You will need Adobe Acrobat Reader to view PDF files, which is free to download at Adobe.com

How can I find Pagibig house and lots, condos, vacant lots, etc?

Here’s a handy list for easy reference:

To quickly find the types of properties you prefer, you can use “keywords” when you search our foreclosed properties database.

For example, the keywords “pagibig” and “house” will find all pagibig properties with the word “house” in their listing descriptions. This will also include rowhouses, townhouses, house and lots, etc. Click here to see the search results for pagibig+house.

For condos, simply use “pagibig” and “condo”. Click here to see search results for condos.

For Vacant lots, you will have to use “lot only” as this is the term often used by pag-IBIG. Click here to see the search results for lot only.

You can then filter according to your preferred location(s).

I’ll share a video tutorial when I have time.

How to avail or participate in the auctions of Pag-IBIG acquired assets

This is just an overview/summary of how to avail/participate in a public auction conducted by Pag-IBIG:

1. View the list of properties included in the auction and identify properties you are interested in.

2. Do your due diligence. When you find a property that you are interested in, you need to do a reasonable amount of due diligence (property inspection to see extent of repairs needed, check if there are any illegal occupants, checking the titles/tax declarations for any problems, etc.). Always keep in mind that foreclosed properties are for sale on an “As-is, where-is” basis.

3. Secure forms so you can participate in the auction. If a property passes your due diligence, and you want to participate in the auction, you need to secure related forms from Pag-IBIG. You will submit these during the auction. (refer to the guidelines for exact forms, and where to secure them)

4. Register for the auction/bidding – Bidders are required to register at the Acquired Asset frontline counter servicing (venue to be specified per auction) prior to dropping of sealed bid offer/s. Only bid offers from registered bidders shall be accepted and a registration stub will be issued as proof of registration.

5. Submit sealed bid/proposal – Bidders are advised to submit their proposals together with a photocopy of their 2 valid Identification (ID) card and latest proof of income only on the scheduled date of batch. No proposals shall be accepted earlier or later than the scheduled date. Please refer to bidding guidelines for more details.

6. Opening of sealed bids shall be done as per schedule. The results of the sealed public auction shall be released and posted at Pag-IBIG’s official website. Winning bidders shall also be notified via email and SMS.

7. Winning Bidders Payment of Bid Bond – As per guidelines: “The winning bidder shall be required to pay his/ her BID BOND equivalent to five percent (5%) of the BID OFFER and shall be paid within 3 working days after the publication of the winning bidders. It shall be in Philippine Currency and may be in the form of cash or manager’s check payable to Pag-IBIG Fund. It shall likewise serve as the down payment of the winning bidder”

Reminder: What you see above is just a quick summary. The exact step-by-step instructions are inside the guidelines as released by Pag-IBIG for each auction, which you can download above.

How to Buy Pag-IBIG Acquired Assets for Negotiated Sale

To explain the details, I uploaded a step-by-step video tutorial in youtube, see below to watch:

Step-by-step tutorial video

how to buy pag-ibig foreclosed properties (negotiated sale)

Click to watch video ==> How to buy/avail Pag-IBIG acquired assets/foreclosed properties under negotiated sale (Step-by-step tutorial)

Summary from Pag-IBIG’s website:

“1. The list of the properties for negotiated sale may be viewed at Pag-IBIG Fund website. Please take note of the Publication Batch No., Start/End Time and Date of Acceptance of Offer.

2. Interested buyers are encouraged to inspect their desired property/ies to purchase prior to submission of offer/s.

3. On the scheduled date of submission of offer, buyer shall register at the acquired asset frontline counter servicing at the start of the acceptance period.

4. Buyer must accomplish and submit an Offer to Purchase indicating the preferred mode of sale and payment in a sealed envelope. Then drop in a designated drop box.

5. Dropping of sealed envelope in a drop box is according to scheduled date.

6. Cut off time for submission of offer/s is at 5:00p.m. After cut off time, registration of buyers shall be closed.

7. NO more offers shall be accepted from unregistered buyers after the cut-off time and date.

8. The opening of sealed envelopes shall be done on the date, time and place stated in the Invitation to Submit Offer to Purchase

RESERVATION FEE SHALL BE ACCEPTED ONCE DECLARED AS THE HIGHEST PURCHASE OFFEROR OR WINNING BUYER.”

For more details kindly call at 8-654-1398/8-654-1032 or visit us at 2nd Flr. Acquired Asset Counter Servicing at JELP Bldg., Shaw Blvd., Mandaluyong City”

Important reminders for interested buyers

1. Pagibig does not accept reservations thru Real Estate Brokers/Agents

This was announced in Pag-IBIG’s website last September 30, 2019, and I noticed they also removed their list of accredited real estate brokers. They advice interested buyers to coordinate directly with the Acquired Asset Management Group or with the nearest Housing Hubs. Be very careful with real estate brokers/agents who are selling Pag-IBIG foreclosed properties, they are not authorized and you might end up getting scammed! Refer to article below for more info.

==> How to Identify and Avoid Foreclosed Property Scams

2. Pag-IBIG foreclosed properties are all for sale on an “as-is, where-is” basis

3. A big number of properties on the listings are occupied.

In summary, we do not recommend buying occupied properties, even if they can have big discounts.

4. Do your due diligence before submitting a bid/offer.

To guide you with your due diligence, you may refer to our article “31 Questions you need to ask when inquiring about foreclosed properties

5. Check for new Erratum/Announcements.

Please refer to the notice from Pag-IBIG:

“Interested parties are encouraged to visit Pag-IBIG’s website, https://pagibigfund.gov.ph/acquiredassets.html five (5) days prior the actual opening of bid offers, to check whether there is any erratum posted on the list of properties posted under the sealed public auction/negotiated sale.”

What are Pag-IBIG Acquired Assets?

Pag-IBIG acquired assets are properties that were repossessed by Pag-IBIG because the property owner (who financed the purchase through a housing loan from Pag-IBIG) was not able to pay their monthly amortizations for at least 3 consecutive months.

Typically, non-payment would trigger the foreclosure process.

If the borrower is unable to catch-up with payments (or is unable to restructure the loan), the property will end up in a foreclosure auction that shall be conducted by the Sheriff at the City/Municipal hall where the property is located.

The lending institution (Pag-IBIG or HDMF in this case) will end up as the winner of the foreclosure auction by default if there are no other bidders, and the redemption period begins once the certificate of sale is annotated on the title.

The redemption period (1 year for individuals, 90 days for corporations) gives the borrower a chance to redeem the property, where they have to make a full payment before the redemption period ends.

If the borrower is unable to redeem the property, then the property will end up as a Pag-IBIG acquired asset or foreclosed property and they can proceed with transfer of ownership from the borrower to Pag-IBIG.

This transfer of ownership is often referred to as the “consolidation”, which can take a long time, depending on the completeness of the documents and other requirements (for example, payment of real estate taxes, etc.) needed for the transfer of ownership.

Frequently Asked Questions (FAQ)

1. How to avail Pag-IBIG acquired assets? How to buy via auction/ negotiated sale?

You can refer to the video and text summaries above. You can also read the bidding guidelines/invitation to bid for more detailed information, please download a copy from the table of schedules above (with red download buttons).

Note: Each schedule/listing of properties for auction/negotiated sale will have its own guidelines/invitation to bid, which also contains the list of properties for sale.

2. Can I get Pag-IBIG financing for Pag-IBIG foreclosed properties/acquired assets?

As a general rule, you can finance the purchase of Pag-IBIG foreclosed properties/acquired assets through a Pag-IBIG loan. This applies to buying via public auction and negotiated sale. Details are included within the guidelines for each tranche/publication batch. If you have questions, contact Pag-IBIG directly through the contact details specified in each of the listings above.

3. Where/how can I find a Pag-IBIG foreclosed property that is not on any current list/schedule?

It might be included in an upcoming schedule/listing. It’s also possible that it is not yet for sale (Ex. The property needs to be appraised, the redemption period has not yet lapsed, etc). It is also possible that it was already sold in past schedules. Please call Pag-IBIG directly to inquire. I highly suggest that you call the designated contact person(s) in other listings/schedules for the same location of the property/ies you are interested in.

4. Can you help us find a Pag-IBIG foreclosed property within my preferred location/city/village/budget, etc?

We can no longer give assistance as brokers because Pag-IBIG no longer allows brokers/agents to sell their properties effective September 30, 2019.

However, I created a tool so you can find properties easily and “Do It Yourself”.

You can search our foreclosed properties database where you can quickly find properties in your preferred location (search for the city, subdivision, village, condo name, etc). You can even filter to only include properties withing your target price-range/budget, and also exclude properties that have illegal occupants as indicated in the listings from Pag-IBIG.

5. What does it mean if a Pag-IBIG acquired asset is “OCCUPIED”?

An “Occupied” status/remark means the foreclosed property has illegal occupants, and the buyer will have to eject the occupants. We also received feedback that some properties that are listed as unoccupied can turn out to be occupied.

Here are additional info for your reference:

1. Bad things can happen if you buy properties with illegal occupants. Don’t believe me? Watch this video to see what can happen: Why we don’t recommend buying foreclosed properties that are occupied (even if they are cheap)

2. How to avoid foreclosed properties that are tagged as “occupied” – This is now easy with our “Foreclosed Properties Database”. Here’s a step-by-step on how to do this: How To Exclude Occupied Foreclosed Properties When Searching Our Foreclosed Real Estate Database

If you find out that a property is occupied, my advice is to forget about that property and move-on to other available properties that are not occupied.

6. Who do I contact to inquire for Pag-IBIG foreclosed properties?

Please contact Pag-IBIG directly through their designated contact person(s) for each schedule/listing of properties for public auction/negotiated sale. The contact person(s)/contact details can be found inside the listing/bidding guidelines above, and also within the details for properties inside our database.

7. Can I buy Pag-IBIG foreclosed properties that were not sold during a previously scheduled public auction/negotiated sale?

Yes you may, but you have to check if a property is really still available and was not sold during a previous schedule (you have to contact Pag-IBIG directly to check). To give you an idea, here’s what can happen to properties that are not sold (This is based on Pag-IBIG circular 428):

1. If a property is not sold sold during the 1st auction, it will be included in a 2nd auction (you have to check each new schedule/listing to see if your target property is included).

2. If a property is not sold during the 2nd auction, it will be included in another schedule/list of properties under negotiated sale.

3. If a property is not sold under a schedule/listing via negotiated sale, it will be included in another schedule/listing of properties under negotiated sale. They repeat this until it a property gets sold.

8. Can I sell Pag-IBIG foreclosed properties as a real estate broker/sales person?

No, Pag-IBIG no longer allows accredited licensed real estate brokers to sell their foreclosed properties as announced on their official website last September 30, 2019.

9. Can you please check if a Pag-IBIG foreclosed property from an old list/schedule is still available?

Only Pag-IBIG has information if a property is still available and was not sold in previous listings/schedules of auctions and negotiated sale. Please contact Pag-IBIG directly to check if a property from an old listing/schedule is still available. I highly suggest that you call the designated contact person as indicated in the old schedule/listing.

10. What are the requirements to buy Pag-IBIG foreclosed properties?

To get a complete list of requirements, please refer to the guidelines which you can download above (those in red buttons).

11. We live in a property that is now a Pag-IBIG acquired asset/foreclosed property, can we buy it/apply for it?

Pag-IBIG can give occupants of their acquired assets a chance to purchase the property. They call this a “Direct Purchase”. Here are the details as quoted from Pag-IBIG circular 428:

“IV. DIRECT PURCHASE FOR OCCUPIED UNITS

1. Direct Purchase shall refer to the purchase of the acquired assets by the present occupant.

2. The Fund shall issue an Invitation to Purchase (ITP) to the present occupant offering him/her the option to purchase outright the acquired asset or to lease the property with option to purchase later.

3. The present occupant shall submit an Offer to Purchase (OTP) indicating his chosen mode of payment, and pay the non-refundable reservation fee. Said reservation fee shall be forfeited in favor of the Fund in case the buyer did not pursue the sale transaction, or his application is denied for reasons attributable to him. The OTP shall be valid for a period of thirty (30) calendar days.

4. The selling price of the subject acquired asset shall be based on its latest appraised value.

5. No discount shall be granted under direct purchase.

6. Once an offer has been made, the buyer must comply with the terms and conditions of the chosen mode of payment under Item VI.1 of this Guidelines within the prescribed period from payment of the reservation fee.

7. If the occupant fails to submit an OTP within the prescribed period from receipt of the Invitation to Purchase, Pag-lBIG Fund may initiate the eviction proceedings.”


Link to Pag-IBIG Circular No. 428 – Omnibus Guidelines on the Sale of Pag-IBIG Fund Real and Other Properties Acquired: https://www.pagibigfund.gov.ph/document/pdf/circulars/housing/Circular%20No.%20428%20-%20Omnibus%20Guidelines%20on%20the%20Sale%20of%20Pag-IBIG%20Fund%20Real%20and%20Other%20Properties%20Acquired.pdf

12. What does it mean if Pag-IBIG acquired asset’s title is “FOR CONSOLIDATION”?

When a Pag-IBIG foreclosed property’s title (TCT/CCT) is “FOR CONSOLIDATION”, it means it is still under the name of the former owner/original borrower and Pag-IBIG has not yet finished the transfer of the title to them. The process of transferring the title of a foreclosed property/acquired asset to Pag-IBIG is called “CONSOLIDATION” and it can take a long time depending on the completeness of the documents required for the transfer of the title.

13. What is the difference between Pag-IBIG ACQUIRED ASSETS and FORECLOSED PROPERTIES?

PAG-IBIG ACQUIRED ASSETS and FORECLOSED PROPERTIES are the same. These properties are also referred to as ROPA (Real and Other Properties Acquired). They can also be referred to as pagibigfund acquired assets

14. What does “TCT under abatement” mean? Is it safe to buy?

The BIR has an “Abatement Program” where the taxpayer (HDMF in this case) can apply for the reduction or cancellation of taxes, penalties, and/or interest. This process can take a long time and will affect the consolidation of the title. This is the reason for the following disclosure in the affected listings:

“TCT UNDER DEVELOPER OR UNDER ABATEMENT MAY TAKE SEVERAL YEARS (MORE OR LESS 5 YEARS) FOR TCT TO BE CONSOLIDATED IN THE NAME OF THE FUND”

Since the consolidation of the title will take a long time, this can make it difficult to transfer the ownership if you decide to sell the property. To avoid complications with title transfer to your buyer, you will have to wait for the title consolidation to finish.

Got more questions? Please read:

If you have more questions with regard to the buying process, please read the bidding guidelines first. Most questions already have answers in the files because they have instructions, forms for bidders, and contact details of Pag-IBIG. You may download the guidelines per publication batch from the table above (the red buttons).

If you want to inquire about a property, please contact Pag-IBIG directly as this helps ensure that you get the details you want faster, Pag-IBIG contact info are included in the guidelines for each publication batch.

Pag-IBIG contact details

If you are interested in any of the Pag-IBIG foreclosed properties in the listings above, please contact Pag-IBIG DIRECTLY! You should contact the person-in-charge as written in the bidding/negotiated sale guidelines.

You may also call Pag-IBIG’s Hotline:

Pag-IBIG FUND HOTLINE:

  • 8-724-4244 (8-Pag-IBIG) – 24/7 Call Center operation

Full disclosure: Nothing to disclose. We are not accredited real estate brokers of Pag-IBIG. We are posting this as a public service announcement for those who have been asking for updated listings of foreclosed properties from Pag-IBIG.

References

  1. Pag-IBIG official website. Pag-IBIG Fund. As retrieved on March 1, 2024, 10:07 am
  2. Steps to Purchase Acquired Assets. Pag-IBIG Fund. As retrieved on July 15, 2020
  3. Pag-IBIG official website. Pag-IBIG Fund. As retrieved on September 30, 2019
  4. Jay Castillo. Why we don’t recommend buying foreclosed properties that are occupied (even if they are cheap). ForeclosurePhilippines.com. Last retrieved on February 16, 2018

Search for more foreclosed properties in our database…

You can also search from over 30,000 foreclosed properties in our database.

This includes other banks and lending institutions that have foreclosed properties for sale.

Use this to quickly search for all foreclosed properties in a subdivision, village, condominium project, city, etc.

==> Click for advanced foreclosed properties search

All locations with foreclosed properties by Province/City

You can also browse all locations within the Philippines with foreclosed properties available from ALL banks/lending institutions inside our database, grouped by Province/ City, on this page:

==> Click to browse all foreclosed property locations

Note: The “Foreclosed Properties Database” is a work in progress. If you have comments/ suggestions, please do let me know by leaving a comment below.

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About Jay Castillo
People encounter problems and make mistakes when buying foreclosed properties, and Jay wants to help people avoid those problems/ mistakes. Jay encountered a lot of those, which is why he started this blog in 2008 to serve as a guide where he shares lessons learned, and how to overcome challenges you may encounter when investing foreclosed properties in the Philippines … [Read more]
FREE CHECKLIST: IDENTIFY AND AVOID PROBLEMATIC FORECLOSED PROPERTIES BY DOING PROPER DUE DILIGENCE!
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Leave a Comment

691 thoughts on “3,116 Pag-IBIG Foreclosed Properties (Acquired Assets) in March 2024 Listings”

  1. Good day Po sir JAY CASTILLO ,, taos puso Po akong nagpapasalamat sa Inyo dahil sa inyong vlog & wedsite ay nanalo ako ng townhouse sa PAG IBIG foreclosed negotiated sale..
    Maraming salamat po Sir ♥️

    Reply
  2. Hi! May I know the procedure for acquiring/buying properties listed here? Paano ho malalaman if saang bank naka list yun foreclosed property? Scion Elite 400 in Cagayan de Oro City. Nag email na ho ako but I still have not received any reply. Thanks

    Reply
  3. Dahil biglaan pong announcement na walang pasok ang feb 24 saan po pwedeng mag drop ng registration form at bidding offer last day po kasi ng property na sasalihan ko

    Reply
  4. Gusto ko po masettle ni pagibig foreclosed property ang panloloko nila sa tulad ko na member .mapipilitan na ako magdemanda pag hindi inayos dalawang beses na ako niloko ng pagibig mutual fund .dapat maparusahan mga employee jn na may pananagutan

    Reply
  5. Bakit po benenta ni pagibig ang bahay na nabili ko kahit may pending monthly amort.dahil may civil case at napanalo ko noong sheriff na benenta na pla sa relatives ng kalaban ko .at ni walang pirma ako sa cancelation.at pumayag na ako palitan but benenta pa rin ksi may nagbid ng mas mataas .hangang ngayon Hindi nererefund yung hulog ko at walang pa.gusto ko lng po palitan niyo in same subdivision .

    Reply
  6. hi sir tanung ko lang po kung sale na po yung pag ibig foreclosed properties noong month ng october 2022 sa may lot 68 block 14 cedar st.phase 3 snt.joseph 10 san pedro laguna, thank you.

    Reply
  7. Sir. Good morning Po, my open pa po ba sa belvedere 3 pasung kawayan 2 general trias.
    My updated na po ba sa beding. Nka lagay pa din po kasi don October 4-17 pwde pa po ba un applayan. Salamat po.

    Reply
  8. Sir my updated na po ba sa mga forclose na bahay sa Cavite, sa belvedere town 3 pasung kawayan 2 general trias. .. October 4-17 parin po kasi nka lagay.. Pwde pa po ba applayan un.. Salamat

    Reply
  9. Hi Sir Jay, Im planning to get 1unit of Bungalow TownHouse under Pag-Ibig Loan (P830k in cash price, P5,500 monthly amortization for 30yrs), and meron rental demand sa area na P10k per month (if fully furnished). Pasok sya sa 1% rule. Do you think this is a good deal?

    Reply
    • Hi Kevin! Nice! Sa tingin ko malaki chance na good deal yan… bihira ang property na kaya ma-abot ang 1% rule. 🙂

      Matinding due diligence ang kailangan para sure ka na walang hidden problems. good luck and thanks for sharing, looking forward to updates from you with regard to this property! Wishing you a successful deal!

      Reply
  10. Kapag bumili ng as is where is sa isang subdibisyon, ano ang mga liabilities? Kasama ba ang iniwang arrears ng dating may ari.

    Reply
  11. Sino pwede kontakin tungkol sa as where is (forclosed) na bilihan sa isang subdivision na may accomulated arrears (monthly dues)? Kasama ba ito sa as is where is na bilihan?

    Reply
  12. any up date po s bon giorno homes subd. Munting pulo lipa city batangas s blk.2 lot 37 and blk 2 lot 39
    tnx God bless

    Reply
  13. Sir good day po wala po bang blk 34 lot 7 phase 3 a nortwinds city san jose del monte bulacan tapat kasi mg hoise namin po yan kaya inaabangan ko po magpunta dito yong taga pag ibig last month.m

    Reply
  14. Gpm sir,
    meron npo ba listing ng foreclosed properties sa Verde Heights Subdivision Brgy Gaya-gaya..paano po makita or pwd po pa send ng link
    Thanks po

    Reply
  15. Hello, sir Jay. Being an online tutor, considered ako as a freelancer and my major challenge is about the requirements for acquiring foreclosed properties. Kaya my first option is to buy a property in cash pero mabigat sa bulsa but we have a house and lot owned by my father in Marikina. I’m also considering that as a collateral. Any advice po for my situation so I can acquire a property much easier and faster?

    Reply
    • Hi Luningning, ganyan din sitwasyon namin nung nag self-employed na kami, hindi kami ma-a-approve sa bank loan. Naghintay pa kami ng 2 years para ma-build ang credit history through declaring all earnings which will reflect sa income tax return… sa awa ng diyos, na approve naman kami sa housing loan nung nag apply kami. 🙂

      With regard to using your father’s house and lot as collateral, the banks will still require proof of income/capacity to pay, so babalik pa rin dun sa ITR, kailangan talaga mag declare ka ng income for two years para yon ang proof mo.

      One last thing you can do is to buy from banks where installment payments are through a Contract-To-Sell or CTS (ex UCPB, UnionBank) , less stringent ang requirements, and baka pwede na yung bank statements as proof of income. Good luck and thanks for the question!

      Reply
  16. FYI. Pwede na mag submit ng Registration Forms at Offer to Bid/Purchase forms via couriers kagaya ng Lalamove, Grab Express, Mr. Speedy, Toktok, etc.

    Para sa schedules na affected ng ECQ under NCR, hindi na kailangan pumunta sa Pag-IBIG branch para mas safe!

    Please refer to announcements sa taas.

    Reply
  17. Good day Sir Jay! Question lang po, allowed po ba mag-bid on more than one property under the same tranche even though isa lang talaga ang bibilhin once manalo?

    E.G. Bid on 3~4 properties (for more chances of winning) but I won on 2~3 of those properties (although suntok sa buwan but just in case), but 1 lang talaga bibilhin na property in the end. Is that allowed in pag-ibig?

    Reply
  18. Sir Jay, pwede pong malaman kung saan ko makkikita yung list ng foreclosed properties na wala sa website or sa list ng acquired asset?

    Reply
    • Hi Lani, pwede mo check sa bulletin boards sa may hall of justice/city hall na sumasakop sa property. Dun kasi pinapaskil yung mga foreclosure auction before maging acquired asset/foreclosed property.

      Reply
  19. Hi Sir,

    Gusto ko lang po magpasalamat sainyo. Dahil sa guidelines at mga turo ninyo tungkol sa pag sali sa BID, nakuha ko yong gusto kong lote.Maraming Salamat po sana marami pa po kayong matulungan. Mabuhay po kayo and God Bless po sir.

    Reply
  20. sana po magkaroon ng online bidding gaya ko po na nasa ibang bansa nkalagay po kc need pa ng SPA ang problema po Wala npong available slot ng appointment para s SPA dito s consulate gawa po ng pandemic. nkakalungkot

    Reply
    • Oo nga po, sana makagawa sila ng paraan para pwede na ang online bidding. Sana din po matapos na ang pandemic. Ingat po kayo diyan, stay safe!

      Reply
  21. hi sir question ko lang po kasi nanalo ako sa public auction kaso hindi ako nakapunta sa due date ko ng payment ng 5% offer price kasi nagkaroon ng emergency,pwede ko pa po ba e bid ulit ung property kung sakali e post ulit eto ni pagibig?thank you sa sagot…

    Reply
  22. Sana po my sumagot..kelan po ang schedule (date and time) ng public Auction sa mga properties this July po? at anu po ang need dalhin/requirements sa Pagibig po during the auction po?

    Reply
    • Hi Rechelle Ann, nakalagay na sa taas yung list of schedules and period of acceptance of bids. Bale halos isang lingo ka pwede mag register at mag submit ng bid (yung time, depende sa branch kung ano ang office hours nila, tapos ang cut-off 4pm).

      Pakicheck din ang guidelines (yung red download buttons sa taas), andun nakalista na lahat ng requirements, sobrang haba kung i-paste ko pa dito.

      Para may idea ka, i-paste ko na rin dito yung schedules na nacompile ko as of June 30, 2021:

      2 Pag-IBIG Acquired Assets For Sale (July 2021)

      2.1 For Public Auction
      2.1.1 JULY 05 – JULY 09, 2021/ NCR BRANCH – SPB 179 (1st Auction – no discount)/ Batangas, Bulacan, Cavite, Laguna, Rizal and Metro Manila
      2.1.2 JUNE 28 – JULY 02, 2021/ NCR BRANCH – SPB 158 (2nd Auction – With discount)/ Batangas, Bulacan, Cavite, Laguna, Rizal and Metro Manila
      2.1.3 JULY 19 – JULY 24, 2021/ CEBU HOUSING HUB – SPB 69th (2nd Auction – With Discount)/ CEBU PROPERTIES
      2.1.4 JULY 16 – JULY 24, 2021 / Bacolod HBC (1st and 2nd auction) Iloilo (Pavia, Oton, Pototan, Zarraga), Neg. Occidental (Bacolod, Bago, Cadiz)
      2.1.5 JULY 12 – JULY 16, 2021/ CEBU HOUSING HUB – SPB 68th (2nd Auction – With Discount)/ CEBU PROPERTIES
      2.1.6 JULY 06, 2021/ DAVAO HOUSING HUB (1st Auction – No Discount)/ DAVAO CITY
      2.1.7 JUNE 28 – JULY 02, 2021/ CEBU HOUSING HUB – SPB 66th (1st Auction – No Discount)/ CEBU PROPERTIES
      2.1.8 JUNE 28 – JULY 02, 2021/ NAGA HBC – SPB 4 (2nd Auction – With Discount)/ PACOL, NAGA CITY, CAMARINES SUR
      2.2 Under Negotiated Sale
      2.2.1 JULY 05 – JULY 09, 2021/ NCR BRANCH – 15076/ Bulacan, Cavite, Laguna, Rizal and Metro Manila
      2.2.2 JULY 08 – JULY 17, 2021/ BACOLOD HBC – 59037/ Capiz, Iloilo, Negros Occidental, Aklan, Antique
      2.2.3 JULY 05 – JULY 09, 2021 / CEBU HBC – Batch 64006/ CEBU PROPERTIES
      2.2.4 JUNE 24 – JULY 03, 2021/ BACOLOD HBC – 59036/ Antique, Capiz, Iloilo, Negros Occidental
      2.2.5 JUNE 28 – JULY 02, 2021/ NCR BRANCH – 15075/ Batangas, Bulacan, Cavite, Laguna, Rizal and Metro Manila

      Reply
      • may I ask about sheriff sale? I saw it at the city hall hall of justice. 1. Is the amount in default the minimum value for the bid? in case the amount in default is much bigger than the value of the collateral, can I bid a lower than that amount? Thanks

        Reply
        • Hi Stanley, the minimum bid as stated in the notice is the amount in default plus penalties and surcharges (if any). Unfortunately, no, you cannot bid below the stated minimum bid. Good luck!

          Reply
  23. Hi good day sir jay bukas po ba ang pag ibig office nyo s mandaluyong on april 27 or on weekdays on that month kasi mag papasa na sana kmi ng requirements but due to ecq na pending ang pag submit namin ng requirements,possible po ba n bukas ang inyong tanggapan?

    Reply
    • Hi Juan,

      Based sa mga announcement, yung sa NCR at Laguna lang ang suspended, so mukhang tuloy yung sa ibang lugar. As usual, suggestion ko is tawag muna kayo para sure at hindi masayang ang pagpunta niyo.

      Reply
  24. question lang po ano po ba yung active hotline ng pagibig. tnry ko po kasing twagan wala pong sumasagot. salamat po

    Reply
    • Hi Edlyn, kakacheck ko lang, eto hotline nila:

      Pag-IBIG FUND HOTLINE: 8-724-4244 (8-Pag-IBIG) – 24/7 Call Center operation

      Thanks for asking, sinama ko na din sa article yung hotline nila.

      Reply
  25. Thank you so much. Po sa pag answer sir..
    but I still have question po. I hope po masagot uli
    nag bid po ako sa bahay na ino occupied ko but talo po ako sa bidding. Ano po pwede kong gawin considering na yung may ari ng bahay eh ayaw npo ibalik yung binayad nmin sa kanila . In short niloko po nila kami na aasikasuhin nila yung unit . Nanghihinayang lang po tlga ko sa mga naw samin . Maraming maraming salamat po sa sagot

    Reply
    • You’re welcome, pero nalungkot ako dahil hindi kayo nanalo sa bidding. 🙁

      Yun naman sa binayad niyo sa dating may-ari na ayaw ibalik, yan po ang nakaka-inis. Pwede po magcomplain kayo sa barangay/pulis. Sana may kasulatan/resibo kayo para mapakita na ebidensya para wala silang lusot. Pag ayaw talaga, pwede siguro ipa-tulfo niyo. Good luck po and stay safe.

      Reply
      • Hi sir jay ganyan din. May na icounter din akong ganyan sir jay buti diko pinatulan ma foforeclosed na din sila. Trough pagibig … bali di na nila na tinitirhan ang bahay balak nila ioccupied na namin para pag naoccupied na namin. Ei kami na daw ang priority ni pagibig sa pag ibig buti nalang di ko tinangap heheh. Madami na ponh nag gaganyan sa panahon .. .

        Reply
        • Hi Jerson, yes, ganyan nga yung nabanggit ko sayo na pwede mangyari. Kawawa naman si Ms Julie. Sana ibalik na lang yung pera nila para tapos na.

          Reply
  26. Hi Sir Jay! ask ko lang po dun sa mga kasama sa public auction na bahay, yung nakalagay po na schedule ng auction niya ay February first week pero kapag po binuksan yung link na feb 22- march 1 kasama pa din po yung bahay na yun. ibig sabihin available pa po yun?

    Reply
    • Hi Ms. Pia, yes po, ang mga properties na hindi nabenta ay sinasama sa next schedules. Bale yung hindi nabenta sa 1st public auction ay mapupunta sa 2nd public auction. Pag hindi naman nabenta sa 2nd public auction, mapupunta sa nakaschedule under negotiated sale. Pag hindi pa rin nabenta under negotiated sale, pa-ulit-ulit isasama sa next schedule for under negotiated sale.

      For example, yung hindi nabenta sa 2nd Auction under NCR BRANCH – SPB 146th Tranche last FEB 01-05 2021, pwedeng isama nila sa FEB 22 – FEB 26, 2021 schedule under NCR BRANCH (negotiated sale batch 15066). By the way, napansin ko din, nililimit nila sa 500 properties kada schedule, kaya pwedeng sa iba-ibang schedule mapunta yung ibang properties na hindi nabenta.

      Reply
      • Good day sir!
        Ask ko lng po un bang sumali sealed public auction
        Hnd makaka avail long term payment ?only cash or short lng?

        Reply
        • Good day Ais, siyempre pwede po. Eto po nakalagay sa guidelines (from https://www.pagibigfund.gov.ph/document/pdf/acquiredassets/uploads/publicnodiscount/NCR_Tranche179_062521(ND).pdf):

          20. Payment of the remaining ninety five percent (95%) bid offer balance may either be thru any of the following modes:
          a. Cash Payment – the balance on the net selling price shall be paid not later than thirty (30) calendar days from date of signing of Deed of Conditional Sale (DCS).
          b. Short-Term Installment – the balance on the net selling price shall be paid in equal monthly installment and provided the chosen payment term shall not exceed twelve (12) months subject to an interest based on the Full Risk-Based Pricing Framework for three-year fixing period.
          c. Long-Term Installment – payment shall be in the form of monthly amortization based on the approved term, which may be up to a maximum of thirty (30) years with the following considerations:
          c.1. Approval and term shall be subject to eligibility requirements stipulated under the Circular 428 Omnibus Guidelines on Sale of Pag-IBIG Fund Real and Other Properties Acquired;
          c.2. The amount shall be the bidder’s bid offer, net of 5% downpayment;
          c.3. The bidder shall be required to file his/her Long-Term Installment application and pay the processing fee within thirty (30) calendar days upon receipt of Notice of Award:
          – Incidental expenses and
          – Equity, if applicable;
          c.4. In case the Bid Offer, net of the five percent (5%) bid bond and additional discount, is still higher than the approved amount for Long Term Installment, the amount in excess shall be treated as equity. It shall be paid by the buyer within thirty (30) calendar days from receipt of Notice of Conditional Approval of Sale (NCAS).
          c.5. Original Borrowers who wish to participate on the Sealed Public Auction sale shall not be allowed to avail long term installment as mode of payment. They may only submit offer thru cash or short-term installment basis.
          c.6. In case the application has been disapproved due to buyer’s fault, the 5% bidder’s bond shall be forfeited in favor of the Fund.

          Reply
  27. Good day sir. Gusto po bumili Ng kapatid q Ng foreclosure property. Pwede po b HND n mag bid? Bbyaran Ng buo 30 percent ung TCP? Thank you po s mgging reply

    Reply
  28. Hi po sir,good day po. Ask ko lang po,after po ng auction tapos hindi po sya na-bid,ilang days po bago ulit iauction ng pagibig. Waiting po ako s 165th tranch,auction sya ng jan.25 to jan.29. Hindi ko po kasi alam kung na-bid na po sya or lalabas po ulit sa auction. Thank you sir. More power to you.

    Reply
    • Hi Jem, suggestion ko tumawag ka muna sa Pagibig para matanong kung sold na yung property na gusto mo. Napansin ko every month nasasama sa bagong schedule ang isang property pag hindi nabenta, pero yung mga schedule twice a week sila naglalabas ng update (bale iba ibang schedule for 1st public auction, 2nd public auction, tapos under negotiated sale… i-isa-isahin mo talaga para sure na hindi mo makaligtaan yung gusto mong property, pero i-confirm mo muna kung sold na ba or hindi.

      Reply
      • Thank you sir s reply po. May question pa po ako, kapag po ba senior citizen pede magavail ng foreclosed house,in cash po ang mode of payment. Ask ko din po requirements for senior citizen? Need po ba active member? Thank you sir. God bless you.

        Reply
        • Hi Jem, yes, pwede pa rin mag-avail kahit senior citizen, lalu na kung cash ang mode of payment. Kung long term loan, pwede pa rin pero mas maiksi na yung term dahil hindi dapat lalagpas sa 70 years old at time of loan maturity.

          Yung requirements makikita niyo sa page na ito sa website ng Pagibig: https://www.pagibigfund.gov.ph/acquiredassets_checklist.html

          Ang napansin ko lang na additional requirement pag above 60 years old ay yung para sa insurance:

          Insurance Coverage (if applicable only)

          Health Statement Form (Medical Questionnaire)
          -For borrowers over 60 years old
          -For borrowers up to 60 years old, if loans is over P2.0M to P6.0M

          Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency
          -For OFW borrowers over 60 years old

          Reply
  29. Good day po ask ko lang po sana .im pag ibig member po may house po kami na ni rerentahan tas. Lately lang pi namin nalaman na forclosed na sya kasi may mga sumilip sa bahay gusto ko po sana apply yan kasi po matagal na kami dto at dto na rin po malapit ang work nmin thanks po sana po matulungan nyo kami salamat po

    Reply
    • Hi Ms. Julie,

      Baka qualified po kayo, pwede kasi bumili ang occupant ng Pag-IBIG property. Tawag ng Pag-IBIG dito “Direct Purchase”. Eto po yung details na nasa Pag-IBIG circular 428:

      IV. DIRECT PURCHASE FOR OCCUPIED UNITS

      1. Direct Purchase shall refer to the purchase of the acquired assets by the present occupant.
      2. The Fund shall issue an Invitation to Purchase (ITP) to the present occupant offering him/her the option to purchase outright the acquired asset or to lease the property with option to purchase later.
      3. The present occupant shall submit an Offer to Purchase (OTP) indicating his chosen mode of payment, and pay the non-refundable reservation fee. Said reservation fee shall be forfeited in favor of the Fund in case the buyer did not pursue the sale transaction, or his application is denied for reasons attributable to him. The OTP shall be valid for a period of thirty (30) calendar days.
      4. The selling price of the subject acquired asset shall be based on its latest appraised value.
      5. No discount shall be granted under direct purchase.
      6. Once an offer has been made, the buyer must comply with the terms and conditions of the chosen mode of payment under Item Vl.1 of this Guidelines within the prescribed period from payment of the reservation fee.
      7. If the occupant fails to submit an OTP within the prescribed period from receipt of the Invitation to Purchase, Pag-lBIG Fund may initiate the eviction proceedings.

      Link to Pag-IBIG circular 428: https://www.pagibigfund.gov.ph/document/pdf/circulars/housing/Circular%20No.%20428%20-%20Omnibus%20Guidelines%20on%20the%20Sale%20of%20Pag-IBIG%20Fund%20Real%20and%20Other%20Properties%20Acquired.pdf

      Reply
    • Sa Pag-IBIG po?

      Kung under negotiated sale, inexplain ko na po sa video: https://youtu.be/96Amj0TOklY

      Kung public auction, eto po yung steps na nanggaling sa taas:

      How to avail or participate in the auctions of Pag-IBIG acquired assets

      This is just an overview/summary of how to avail/participate in a public auction conducted by Pag-IBIG:

      1. View the list of properties included in the auction and identify properties you are interested in.

      2. Do your due diligence. When you find a property that you are interested in, you need to do a reasonable amount of due diligence (property inspection to see extent of repairs needed, check if there are any illegal occupants, checking the titles/tax declarations for any problems, etc.). Always keep in mind that foreclosed properties are for sale on an “As-is, where-is” basis.

      3. Secure forms you need to fill-out and submit when you register for the auction. If a property passes your due diligence and you want to participate in the auction, you need to secure and fill-out related forms from Pag-IBIG. You will submit these when you register to submit your bid offers. (refer to the guidelines for exact forms, and where to secure them)

      4. Register for the auction/bidding – Bidders are required to register at the Acquired Asset frontline counter servicing (venue to be specified per auction) prior to dropping of sealed bid offer/s. Only bid offers from registered bidders shall be accepted and a registration stub will be issued as proof of registration.

      5. Submit sealed bid/proposal – Bidders are advised to submit their proposals together with a photocopy of their 2 valid Identification (ID) card and latest proof of income only on the scheduled date of batch. No proposals shall be accepted earlier or later than the scheduled date. Please refer to bidding guidelines for more details.

      6. Opening of sealed bids shall be done as per schedule. The results of the sealed public auction shall be released and posted at Pag-IBIG’s official website. Winning bidders shall also be notified via email and SMS.

      7. Winning Bidders Payment of Bid Bond – As per guidelines: “The winning bidder shall be required to pay his/ her BID BOND equivalent to five percent (5%) of the BID OFFER and shall be paid within 3 working days after the publication of the winning bidders. It shall be in Philippine Currency and may be in the form of cash or manager’s check payable to Pag-IBIG Fund. It shall likewise serve as the down payment of the winning bidder”

      Reminder: What you see above is just a quick summary. The exact step-by-step instructions are inside the guidelines as released by Pag-IBIG for each auction.

      Please refer to the Step-By-Step General Guidelines (pwede niyo download sa taas, yung red buttons) for required forms, requirements for winning bids/offer, applicable discounts, and other information.

      Reply
  30. Good day Sir. Foreclosure po kasi ang bahay na tinitirhan namin under Pag-IBIG. Sa father ko po ito nakapangalan and gusto ko po sana na ma-applyan ito since nakapagmembership na po ako sa Pag-IBIG this year 2020, kaso hindi namin sure kung lumabas o kailan ito lalabas sa Pag-IBIG database. Gusto na po sana namin bayaran ng cash ang halaga ng bahay. Our house location po is Blk. 32 Lot 03 Phase 1C La Poblacion Subdivision, San Jose del Monte, Bulacan.

    Reply
    • Hi Cindy, sorry to hear your situation. Mas okay po na hindi pa siya lumalabas sa listings ng Pag-IBIG, baka may chance pa na ma buy-back niyo. Suggestion ko huwag niyo na hintayin mapunta sa listahan, kontakin niyo na agad ang Pag-IBIG para maverify ang status at tanong niyo kung ano ang proseso para ma buy-back niyo yung property.

      Naisip ko din na baka pwede niyo bilhin yung property as the occupant. Pwede kasi bumili ang occupant ng Pag-IBIG property. Tawag ng Pag-IBIG dito “Direct Purchase”. Eto po yung details na nasa Pag-IBIG circular 428:

      IV. DIRECT PURCHASE FOR OCCUPIED UNITS

      1. Direct Purchase shall refer to the purchase of the acquired assets by the present occupant.
      2. The Fund shall issue an Invitation to Purchase (ITP) to the present occupant offering him/her the option to purchase outright the acquired asset or to lease the property with option to purchase later.
      3. The present occupant shall submit an Offer to Purchase (OTP) indicating his chosen mode of payment, and pay the non-refundable reservation fee. Said reservation fee shall be forfeited in favor of the Fund in case the buyer did not pursue the sale transaction, or his application is denied for reasons attributable to him. The OTP shall be valid for a period of thirty (30) calendar days.
      4. The selling price of the subject acquired asset shall be based on its latest appraised value.
      5. No discount shall be granted under direct purchase.
      6. Once an offer has been made, the buyer must comply with the terms and conditions of the chosen mode of payment under Item Vl.1 of this Guidelines within the prescribed period from payment of the reservation fee.
      7. If the occupant fails to submit an OTP within the prescribed period from receipt of the Invitation to Purchase, Pag-lBIG Fund may initiate the eviction proceedings.

      Link to Pag-IBIG circular 428: https://www.pagibigfund.gov.ph/document/pdf/circulars/housing/Circular%20No.%20428%20-%20Omnibus%20Guidelines%20on%20the%20Sale%20of%20Pag-IBIG%20Fund%20Real%20and%20Other%20Properties%20Acquired.pdf

      Reply
      • Sir good evening po gusto ko po mag avail forclosed na pabahay sa bandang gentre po pwd po ba yung friend ko ang mag asikaso?

        Reply
        • Good day Genalyn, pwede naman po ang representative na maglakad para sa inyo. Paki-check na lang po yung requirements sa guidelines para pwedeng yung friend niyo ang maging representative niyo.

          Reply
  31. Hi Sir Jay, just want to ask if a Filipino Virtual Assistant(has a foreign employer based in USA), a homebased type of job & already a Pagibig member, is possible to acquire property or enter into auction/ bidding? Thank you.

    Reply
    • Hi Jay-ar, yes, dapat pwede, assuming dinedeclare mo income mo as a VA and makikita ito dapat sa income tax return mo, yung ITR kasi ang magiging basis ni Pag-IBIG for your capacity to pay. Nagawa na namin ito as self-employed pero sa isang local bank (hindi Pag-IBIG), na-approve loan namin, past 2 years na ITR ang sinubmit namin. Nag check/inspect din sila sa office namin sa bahay during their credit investigation. Malamang ganun din para sayo. Suggestion ko, attend ka nung loan counseling seminar ni Pag-IBIG once mag resume (baka walang schedule dahil sa pandemic, paki check na lang kung meron na) para malaman mo kung ano requirements para ma-approve or pumasa ka sa credit investigation ni Pag-IBIG at qualified ka bumili ng acquired asset nila for installment payment.

      Reply
  32. Any idea how long the lines are these days? If there are many people in a pagibig location, I might put off until a covid vaccine is available.

    Reply
  33. Hi po, new lang ako sa ganito. Gusto ko po sana bilhin ung foreclosed Dexterville Legacy sa imus, check namin po sa sunday. paano po ba process nun kung sakali magustuhan namin ung lugar? icash po sana namin

    Reply
  34. good day po! tanong ko lang po sana kung pwede na ipareserve ang unit kapag for negotiated sale na.still 1k parin po ba reservation fee?nalilito parin po kasi ako sa foreclosed at negotiated sale.

    Reply
    • Good day Ms. Mary. Sa bagong process ni Pag-IBIG for negotiated sale, magbabayad lang ng reservation fee na Php1K pag nanalo na yung offer niyo (after niyo makareceive ng Notice of Award). Inexplain ko din po dun sa step-by-step tutorial video: https://youtu.be/96Amj0TOklY

      Reply
  35. pede po rin ba makahingi ng list of public auction within Villa leyson bacayan Cebu City sir? waiting for response to salamat Godbless

    Reply
  36. Hi Sir Jay,
    Good day po sa inyo. May pdf file po ba ng Pag-ibig foreclosed properties. Puedi po ba makahingi. Hanap sana ako residential lot or house and lot na QC at valenzuela City Area po. Salamat sa response. May God bless you more!

    Reply
    • Hi Kris, I update this compilation whenever I see an update from Pag-IBIG on their website. As I write this, the schedules above are updated as of October 2, 2020.

      Reply
  37. Good evening po Sir,pwede po ba makahingi ng lists po ng foreclosed na bahay dito po San Vicente Sta.Maria Bulacan po?Thanks in advance God bless.

    Reply
  38. Good day sir pwede po bang pahelp po sa subdivision ng tradition homes Blk 3 Lot 20A and Blk 3 Lot 19A and B Trece Martires City Cavite po aaplyan po sana namin. Maraming salamat po

    Reply
  39. hi sir,
    good evening po! ask ko lang po sana yung updated list ng foreclosed properties this september 2020, kasi po yung kapit bahay ng friend namin na foreclosed na yung row house unit nila nung 2018 approximately. Pumunta kami sa pag ibig Lamuan Markina hindi nila ma search yung unit.

    Paano po ba malaman kung available paba ang units or hindi na?
    If avail pa paano po ba ang ways na ma update kami kung kailan ibibinta ng Pag Ibig kung wala pa sa system nila?

    Address po ng Unit : Blk 1, Lot 6 and 7, Misty lane street, Monterey Hills Subdivision, Phase 3, Brgy. Silangan, San Mateo Rizal.

    Regards,
    Mark

    Reply
    • Hi Mark, kaka update ko lang, paki check yung table sa taas, thanks!

      Baka mas complete ang records ng Pag-IBIG main (yung sa Jelp bldg. sa Shaw Blvd. Sa tingin ko sila ang makakasabi kung sold na or hindi pa.

      Nag search na rin ako sa mga old listings sa database pero walang lumalabas na nasa Misty street from Monterey Hills Subdivision.

      Reply
  40. Have a blessed day,Sir.Ask ko lng po kung pwd pa po ako mkakuha ng isa pang unit .May dalawa n po akong nakuha sa acquired assets.43 years old n po ako.Ang halaga ng isang ay 177k at ang isa po ay 270k.updated po ang bayad ko.thanks po.sana masagot nyo po ang tanong ko.Godbless

    Reply
    • Good day Ms. Rosalie, kayo din po ba si Ky Le na halos pareho yung tanong sa youtube comments? Mas madali kasi sagutin dun (andali hanapin yung comments na wala pang sagot). Anyway, eto po sagot ko:

      Depende if kaya pa ng “capacity to pay” based sa monthly income. Si Pag-IBIG ba 40% of monthly income ang maximum monthly amortization (kasama dapat yung monthly amortization niyo dun sa na-unang dalawang property)? If lagpas na sa maximum, hindi na pwede, unless siguro tataasan mo downpayment para maliit lang monthly nung pangatlo mong property.

      Reply
    • Naku sayang po, tapos na yung acceptance of offers. Pwede naman po magsubmit ng offer ang representative niyo kung nasa barko pa po kayo, kailangan lang ng authorization or Special Power of Attorney or SPA yung representative niyo.

      Reply
  41. Hello po. good day. ask ko lng kung naka-foreclosed na po ba itong address na to. Mary Cris complex Phase 2 - Blk 7 - Lot 3 Gen.Trias Cavite po. God bless po
    
    Reply
  42. A lot of the good properties listed by PAGIBIG are occupied. What is your recommendation for occupied properties? Should I wait until they become unoccupied in a future listing?

    Reply
  43. Hi sir. 1. Pwede po ba namin i-loan sa bangko kahit nasa list ng Pag ibig? 2. Magkakaroon pa po kaya ng ibang offer ang Pag ibig this month of August, hindi kasi kami nakasali para sa August 3 to 7 dahil kulang pa sa requirements. Salamat po & God bless,

    Reply
    • Hi Khareen,

      1. Hindo ako sure, paki tanong na lang directly with Pag-IBIG. Usually kasi ang gusto ng karamihan, foreclosed ng bank ay ilo-loan sa Pag-IBIG. Ikaw lang nagtanong sakin so far kung pwede ang Pag-IBIG foreclosed ilo-loan sa bank. 🙂
      2. Merong bago for August 2020, update ko lang yung article. Please check back by evening of August 11, 2020…

      Reply
  44. Goo day po pede po bang pa help po ako sa subdivision na silver towne 1V malagasang II-B blk10 lot27 at ska blk9 lot22 imus cavite please po aaplyan kupo yan. Patulong naman po. Old subdivision po yan

    Reply
  45. Sir sa Blk 105 lot 10 at blk 105 lot 6 saint rose deca homes marilao bulacan. .nakapost sya. .kailan ko n pwede aplayan sir..nakapost sya nung july 3 na forclosed na sya.

    Reply
  46. Goodpm po sir ask ko lang po kng available pa po ba etong st joseph village 6 phase 4 blk 3 lot 24 brgy marinig cabuyao laguna,, if available po aaplyan ko po sana.. Salamat po sa sagot….

    Reply
  47. Goodpm po dito po sa sta rosa heights puting kahoy silang cavite and sa meridian meron po b foreclosed thanks

    Reply
  48. Hi po good morning ask ko lang po sana yong sa st joseph 7 phase 1 b8 l32 brgy.marinig cabuyao laguna, kng my nkatira na po ba? Naghahap po kasi ako ng bahay.,, bka po my list pa po kayo bago dto lang po sa st. Joseph pa update nmn po thank you

    Reply
  49. Bka po myron p hnd ako mkapunta wlng masakyan ehhh nag punta m d2 sa amen pag ibig eh sbi dyn dw sa mandaluyong gusto k p ung single detached po kong myron reserve nyo p ako pg my beyahe n punta m dyn dalhn kuna requirments i enteristing po d2 sa olevares homes santo tomas binan laguna salamat po

    Reply
  50. Hi sir good morning po ask ko lang po ang blk.21 lot 47 Ciudad Adelina Conchu Trece Martires City Cavite kasi peso na lang kulang ang sa bid ko gawa ng la decimal point sa foreclose property saan ko po un makita uli if my nakakuha na kasi un pa din ang hinihintay namin last November 5 po kami nag bid.thanks much

    Reply
  51. Hello everyone, as mentioned in the blogpost above, most of the March and April 2020 public auction/negotiated sale schedules from Pag-IBIG were cancelled due to many areas placed under Enhanced Community Quarantine (ECQ). We will resume posting listings once they become available. Stay safe everyone!

    Reply
  52. Question Lang po. Unlike po last year na bastat may 1k Lang dala pwede mo na pong ireserve ung bahay na nasa acquired asset. Ngayon po ba, need mo ng maglabas ng pera once nakipag bidding ka.for example po 400 000 ung bahay. Kaylangan po ba ibigay mo na ung at least 10% dun plus ung reservation? Or ung presyo ng bahay ay papatungan mo ng at least 10% at Kung sakaling manalo ka saka mo pa Lang po ba babayaran ung kabuohan nung bahay?

    Reply
  53. Sir, pasend naman po ng link o site ng Pagibig foreclosed properties for auction this coming March to Dec. 2020. Thank you so much po

    Reply
  54. Hi Jay,

    Is the “bid bond” still part of the requirements? I checked the Pag Ibig site and there is no mention of bid bond anywhere on the steps and requirements.

    Reply
  55. ngyon ko lng po nalaman na nag karoon pala ng selling ng foreclosed properties nung feb..pwede papo ba mag avail?..or meron pa rin po ba?thanks

    Reply
  56. hi po pwede pong magtanong kung sinong nanalo sa bidding last october 28, 2018. meron po bang listahan ng mga kasama dun? isa po kasi ko sa nagtry na offer to bid.

    Reply
  57. Sir, meron po ako gustong bilhing property, kausap ko noon ang may ari, pero halos 20 yrs nang bakante at hindi na makontak ang dating me ari, pero hindi pa din pinapabid, ilan beses nko nagpunta sa Mandaluyong at palaging sagot skin ay “antayin nyo I post”, ilan beses ndin meron nagpuntang taga pag ibig at ganun din ang sagot “ipo post npo yan” Ano po ba dapat kong gawin? Malapit nko magretiro wala pdin akong makitang linaw tungkol dito?

    Reply
  58. Good afternoon po, gusto ko po malaman regarding sa bidding, as almost 3 months na kami nagaantay na magopen for bidding ung prospect naming Bahay sa Bulacan, Phase 6A blk 101 Lot 3, Las Palmas Subd. Caypombo Sta Maria Bulacan. Until now sinasabihan kami ng d pa daw xama s group lists ng ibibidding eh tagal na ung Bahay na foreclosed, then ang nakikinabang lang eh ung mga manok at aso na inaalagaan ng kapitbahay, in short walang nakatira at di napapansin ng PAGIBIG YUN. Kung meron ng clients na interested sa isang lot bakit kelngan pang pag antayin ng matagal. Kelangan pa na magpabalik balik ng client s office nio sa Manila para lang malaman na d pa xa kasali s bididng. Yes, we are always checking it sa online but hanggang kelan magaantay if available n nman yung lot, anu pa po bang proseso ang inaantay. Sa nakikita q ang bagal ng proseso nio. Baka nman po magawan n ng paraan n masama s bididng ngaun December.

    Reply
  59. Sumali po kmi nung nov. 6, 2019 ng bidding sa pag ibig calamba hub at ask nmin kng pwd b 5% lng ang bid bond? Hnd dw pwd. Pro nung sept. 30, 2019 pa my post na binaba na sa 5% ang bid bond…

    Reply
  60. Hello po, ask q lang po sana ung property s villa corazon indang cavite matagal q n po kcng inaantay nd p rin po napapasama s list un po kc ung gusto qng makuha….thankz po

    Reply
  61. Hi, if you join with bidding po ba if you are the winner, are you paying it will with full cash or you can pay it as monthly payment for years ?

    Reply
  62. hello sir! sir paano po ang process ng foreclosed properties?ilang months po for turn over if wala po problem ang property n gusto i acquire?thank you and hoping for an answer.

    Reply
  63. hi sir ask kulang po kung pina pa bidding rin po ba mga Items, nila tulad ng mga Assets IT Systems, aircon lahat po ng mga gamet ng mag mag sara,

    Reply
  64. hi po.. sir jay.. gud pm po. Pwede po bang malaman un foreclosed na house thru pag-ibig within carissa 3a, bgry kaypian, san jose del monte ,bulacan..
    gusto ko po sana gamitin un pag-ibig ko for housing loan… thank u po…

    Reply
  65. Dear sir,
    Nais ko pong malaman kung pwede ba, mag pareserve ng properties under negotiated sale sa list of properties under pag -ibig foreclosed properties for auction?
    thank you.

    Reply
  66. Good day sir, Ask ko lng po kung pede po bang mag pareserve ng property under negotiated sale sa list of pag-ibig foreclosed properties for auction.?
    Thank you..

    Reply
  67. Good eve po ask ko lang po nangungupahan po kase ako ngaun dito somewhere in Rodriguez Rizal. Now ko lang po nalaman na ang inuupahan ko pala matagal na po palang forclose may nagpunta po na Pag-Ibig dito sa bahay. Ang sabi po pumunta po kami ng Pag-Ibig. Actually di ko po kaya magbid ng ganung halaga even 10% ng value ng unit pero gusto ko po itong makuha both me and my husband was a member of Pag-Ibig and is very active for how many years. Parehas po kaming may kakayahang magbayad if ever ng magiging monthly payment. Kindly please help me kung ano po pwde naming gawin para mapasa sa amin na po ng tuluyan itong bahay na aming tinitirhan ngaun. Thanks po!

    Reply
  68. HI Po Sir Jay,

    Avid reader po ako dito and ang dami ko pong natutunan, btw nagsisideline po ako as realty estate agent, ang tanon ko po ay ganto. May client po ako na gusto bumili ng lot somewhere in cebu city, yung ksama ko po sa realty my kakilala po sya na may binibentang lupa bali corporation po, meron 1k+ sqm meron din 4k+ sqm, ngayun po sa 4k+aqm lot may iba pong broker ang may hawak, sa 1k+ naman po ay yun kakilala ng ksama ko ang may hawak. Yung client ko gusto nyang bilhin yun 5k+ na lot, tanong po. May habol ba kame sa broker ng 4k+sqm kung sakaling mabenta, may makukuha ba kame? pano po ang sistema ng hatian sa sale namin, since yun buyer is yung client ko. Sabi ng kasama ko automatic dw na kalahati ang makukuha ng broker na yun give na 3% ng sale ang ibibigay ng owner. swerte naman nya, may batas ba tayo dito?

    Thanks po,
    Yang

    Reply
    • Hi Yang, thank you! Regarding your question, palagi namang depende sa usapan yan, walang automatic. Wala din sa batas kung paano ang hatian comm. Ang meron lang ay ang tinatawag na “standard industry practice”. Based sa details, sa tingin ko dapat mag share kayo at si broker ng 4k na lote, since kayo ang may buyer, siya naman ang broker ng owner/seller. Pag-usapan niyo na lang kung paano ang percentage ng hatian. Usually, depende yan sa share sa trabaho na gagawin for the closing of the sale, payment of taxes,transfer of title, etc.

      Reply
  69. Hi Sir Jay, if our target property location wasn’t posted yet for bidding can we reserve it at PAGIBIG ahead even without its presence sa bidding? We have a constant communication with the original owner kase. Actually, they weren’t living there anymore and at the same time not updated with their payments to PAG-IBIG. And the owner said, that we can get it at PAG-IBIG because they have no interest living there anymore.

    1. Would there be a bigger chance if the original owner will just transfer the ownership to us? So there will be no bidding anymore? Safe na samin talaga mappunta.
    2. Will their pending payments automatically shouldered to us?

    Thanks!

    Reply
    • Hi Rea,

      Based on past similar transactions, the only way to do this is come up with an agreement with Pag-IBIG, the original owner, and you, where all parties agree that you will assume the mortgage loan and make it current. This means you will have to pay for any arrears/pending payments , and you will have to pass Pag-IBIG’s loan application process (unless you will pay in full).

      Reply
    • Ask ko lng po pag nag bid po kailngan may show money na hindi babba sa amount ng i bid ..i mean may show money during ng auction?

      Reply
  70. Hello,may mga documents po ba na dapat dalhin sa auction?at may mga forms din po ba na dapat mafill up? Saan po kukuha ng forms kung sakali?

    Reply
    • Hi Kenna, yes po, nakalista po sa bidding guidelines ang mga forms at show money na dapat dala niyo during the auction. Makikita niyo yung bidding guidelines sa taas (yung red buttons).

      Reply
  71. Good evening sir tanong q lng po regarding s bahay ng asawa q n 2 yrs n po d nahuhulugan anu po b pwd nmin gawin Pr mtuloy ang byad kz nagpunta n po asawa q s pag ibig ang sabi po hintyin n lng po daw s bidding n until now wl nmn po kz lgi q check s pag ibig foreclosed po. Thank u

    Reply
    • Sorry to hear your situation Ms. Imelda, suggestion ko po magtanong din kayo sa legal department nila, baka kasi sila na naghahandle ng account niyo. Mas maganda kung mahabol niyo before the bidding. Pag sa bidding kasi, maraming ibang pwedeng mag bid at baka hindi kayo ang manalo.

      Reply
  72. Hi Sir Jay Castillo. Good day!

    Pag-IBIG Foreclosed Property (Town House) in Loremar Crestview Homes – Blk- 03 Lot-11 – Brgy. San Roque (Pob.), City of Antipolo, Rizal – For Auction on 11-Oct-2018 (801518050818129) No Discount
    Share
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    by Editorial Staff
    Published: September 30, 2018 (4 days ago)
    PHP732,600.00

    CategoryReal Estate / Foreclosed Properties
    LocationRizalAntipolo City
    Property ID801518050818129
    Lot Area (sqm)60.00
    Floor Area (sqm)47.20

    ASk ko lang po sana kung paano ang process kapag bidding? Thank you po.

    Alejo Espina Jr. (from Antipolo)

    Reply
  73. hi Sir, panu po malalaman if sold out n yung units, twice na kasi ng punta yung father ko sa manila pra iverify kaso pgdatin dun sold out ndaw pero d2 sa online hindi nman xa updated… still unoccupied lng yung nklagay

    Reply
    • Hi Jaucee,

      Una, if scheduled for auction, dapat available pa up to the day of the auction.

      Pansin ko masipag si Pagibig magsabi through their notices before the auction if hindi na kasama sa bidding ang isang property.

      If yung pinunta ng tatay niyo ay kasama sa auction, pero biglang sabi eh sold na kahit hindi pa tapos yung auction, hindi naman tama yon.

      Sayang naman pagod at gastos para sa pag followup ni tatay. 🙁

      Baka naman po for negotiated sale na yung property? Tama po ba?

      Pag negotiated sale kasi, sabi sa Pagibig website, weekly sila nag u-update.
      Para po hindi masayang ang pagpunta ng tatay niyo, suggestion ko po ay tumawag muna sa Pagibig para sure (nasa bidding guidelines yung contact number). Again, siguraduhin niyo na hindi pa tapos yung auction.

      Reply
  74. hi po.. nakareciv po ako ng foreclose ng bahay namin.. pero kami pa rin po nakatira hanggang ngayon.. april 27 narecivr ko ang letter may 17 ako pumunta pag ibig para ipareserve sa name ng asawa ko.. hindi na daw pwede kasi lumampas na ako ng 15 calendar days. pano po kaya ito? wait ko nalang daw maipost at mag bid ako.. sino po kaya pwede ko kausapin na direct na tao sa pag ibig about dito.

    Reply
  75. Good day poh sir.. Ask ko lang poh kc nagrent kmi ngaun sa tinirahan nmin ngaun foreclose n pla since 2014 pinunthan kmi ng pag ibig n foreclose na daw.. Ngayon sir gusto bumalik ang may ari pwede bng hndi kmi aalis kc gusto nmin aplyan ung bhay kc sbi ng pag ibig wla n dw syang krpatan nong pumunta kmi ng pag ibig dpat sasaloin nmin sir.. Pero ngayon gusto nya kming paalisi

    Reply
    • Hi Mariah, sa pagkakatanda ko sa orientation dati ni Pagibig for real estate brokers, may chance ang occupants ng property na bumili nito. Makipag ugnayan napo kayo directly sa Pagibig para sigurado.

      Reply
  76. Hi sir ask ko lng po.. San po makikita yung mga forclose n house dito sa calamba laguna? Gusto po sana namin kumuha para hindi n po kami nangugupahan..

    Reply
  77. Ask lang po, 3 na bahay na hinuhulugan ko sa pag ibig, isa sa akin nakapangalan, isa sa misis ko at isa sa anak kong lalaki, ang tanong ko po ay kung pwede kong ibili ang isa ko pang anak na babae na nakapaghulog la siya sa pag ibig contribution for one year only because she just started her work last May 2018 she is 23 years old. thanks

    Reply
  78. can i see the available house in.lot in ..phase 7 extraordinary homes mamatid cabuyao laguna.its so hard to fiend the listing here.thank you.

    Reply
  79. Good day po sir Jay.. Ask ko lang po.. Paanu po malalaman kung available pa po yung property sa pag ibig bidding po.. Paanu din po malalaman kung nakuha na po xa.. Gusto ko po kc mgbidding sa pag ibig hindi ko lang po alam kung available pa po ba yung property na gusto ko.. Slmat po sa sasagot po

    Reply
    • Good day Anjie. Pag bidding, siguradong available pa/wala pang nakakakuha sa isang property na included sa bidding, until matapos yung bidding sa date of bidding, unless may ilabas ang pagibig na erratum na nagsasabi na sold na pala yung isang property.

      Pag tapos na yung bidding, check mo dun sa properties for negotiated sale (visit: http://www.pagibigfund.gov.ph/AA/search.aspx ), at pag nahanap mo dun, tawag ka sa Pagibig para malaman kung may nag submit na ng offer. Goodluck!

      Reply
  80. foreclosed in lucena city
    if there is pwede mo ba kaming bigyan ng contact person:
    thanks a lot

    Reply
  81. May tanong lang po pano po mag avail ng foreclosed properties sa pag ibig ano unang gawin at may babayaran paba ako sana may sasagot salamat po

    Reply
      • hi sir jay

        good morning

        ask lng po ako regarding po sa pagibig housing load sa Mabuhay homes 2000 binangonan rizal
        may isa po kasing property na gusto kung bilhin pero i always call the pagibig bidding section wala pa raw po sa list nila for CI pa raw po pero may nkalagay na po sa front ng property na any concern please call pagibig.

        ask ko lng po pwde ko po kayang mag down na aq para po sa akin na mismo iyong property baka po kasi may ibang mkakuha

        Reply
  82. Anu po dapat kong expect kapag may nakalagay ng “For Title Consolidation”? Lahat kasi ng malapit dito samin puro po ganon. Gusto ko lang po malaman kung magkaka additional problem ba or okay lang kapag may ganon?

    Reply
    • Ibig po sabihin hindi pa nalipat sa pangalan ng pagibig yung titulo. So matatagalan din po ang pagilipat sa pangalan ninyo from Pagibig. Hindi naman po isyu yon kung wala kayong balak na ibenta agad yung property.

      Reply
  83. Hi All you know i want to buy houses from you guys but you make it more difficult for us to buy the house from you and it’s not clean title , like BFS AT THIS MOMENT IN TIME BFS IS THE BEST TO BUY HOUSES FROM ? WE CAN GET CLEAN TITLE WHEN YOU GUYS MAKE IT MORE EASY
    FOR ME TO BUY TI THEN I AM WAITING FOR THAT ITS SO HARD FOR ME AND OTHER TO BUY IT FROM YOU GUYS MAKE IT MORE EASY FOR US . I BUY 5 HOUSES FROM BFS ALL CLEAN TITLES I PAY CASH ALL THE HOUSES I BUY AND WILL CONTINUE TO BUY IT FROM BFS BEST

    Reply
  84. Goodpm. Paano po kinocompute yung minimum bid amount? Yun ba ung amount na nasa letter from court na utang ng previous owner ng bahay or mas lower po dun? Thanks.

    Reply
  85. Sir Jay Castillo, just want to express my sincerest and heartfelt gratitude for your kind assistance and support sa lahat ng mga taong humihingi ng assistance for foreclosed property inquiry. Saludo ako sa inyo Sir, nakakabilib ang kabaitan nyo. I might be needing your advised and assistance in the near future if I may find one suitable property with which I am very interested to buy.

    Reply
  86. Nakupo Ms. Gecelyn, pasensiya na ngayon ko lang napansin itong comment niyo.

    Sana po kahit nagkalabuan na kapatid niyo at bayaw niyo, eh maayos pa rin kausap si bayaw.

    Ang maipapayo ko lang po ay sumanguni na kayo (or yung kapatid niyo kung nasa abroad pa kayo) agad sa Pag-IBIG para malaman ang options niyo.

    For sure ang itatanong sa inyo ay kung may ebidensiya kayo na kayo nga ang tunay na may ari at nagbabayad at ginamit niyo lang pangalan ni bayaw…

    Mahirap po kasi ang sitwasyon niyo dahil mukhang legal na sa bayaw niyo nakapangalan yung property, kahit kayo nagbabayad.

    Reply
  87. kung icacash po namin yung appraise value ng tinitirahan namin foreclose na.. intitled po ba ako sa 30% discount? pwede ko na po kayang bilihin kahit wala pa sa auction?

    Reply
  88. sir tanong lang pano po kung my nka tira sa bahay na nkuha nmin s forclosure eh ayaw po umalis pano gagawin nmin

    Reply
  89. sir tanong lang pano po kung my nka tira sa bahay na nkuha nmin s forclosure eh ayaw po umalis pano gagawin nmin…..dumating napo yun notice of approval need napo ba namin yun accept ….nagmamatigas po yun nakatira may laban po ba kami…

    Reply
  90. sir tanong lang pano po kung my nka tira sa bahay na nkuha nmin s forclosure eh ayaw po umalis pano gagawin nmin

    Reply
  91. Sir magandang araw Po. Tanong Ko Lang Po kasi nag hahanap Po Ang anak Ko ng bahay Na naka forclose Na para I applay Nya din Po s pag ibig kaso Po Ang sabi s pag ibig e naka pasok daw Po yon s for bidding kailangan daw Po e sumali sya Sa bid. tanong Ko Lang Po sir pano Po nakakakuha ng bahay s forclose Na ndi Na sasali pa Sa bidding.. Salamat Po sir at more power..

    Reply
  92. Good Day Sir. Pwede po ba na umatend ng bidding kahit hindi naman po ako mag bi-bid? Saka may bayad po ba pag pasok sa auction? Gusto ko po kasi ma experience kung papano nag bi-bid. Salamat

    Reply
    • Hi Cyredge, hindi ako sure sa Pagibig kung pumapayag sila umattend ang observer, hindi pa namin natry. Sa banks sure kami na pwede kasi madalas kaming observer lang, so dapat pwede din sa Pagibig. Pakitawagan na lang sila para sure. Thanks!

      Reply
  93. Naku, sayang naman po yung punta niyo. Sana pinapunta na nila kayo sa legal department, at hindi niyo na kailangan hintayin yung letter. Malamang notice of foreclosure yon. Ang hirap nga po ng kinakabahan kayo dahil hindi niyo alam status, kaya ang suggestion ko po pakitanong niyo na agad sa legal department, para na din magawan ng paraan para hindi na maforeclose.

    Reply
  94. tungkol sa PAGIBIG acquired asset,
    WAG NA WAG KAYONG maniwala sa pagibig office na sinasabi nilang tutulong sila sa pag aasist para mapa alis ang first owner sa bahay na kinukuha ninyo ( foreclosed— ang binayad ninyo MAPUPUNTA LANG SA WALA!!! KAYO PA ANG SISISIHIN BAKIT BINILI ANG PROPERTY NG MAY TAO PA. “As is, where is”, oo… pero property at hindi ang tao na naroon, para saan ba ang LEGAL OFFICE NA ipinagmamalaki ng pag-ibig fund at kontrata ?? para lang ba iyan sa mga taong hindi updated mag bayad ? sa mga existing owner???!!!
    WALANG KWENTAng ahensya, oo maayos kayo sa salary loans, pero sa aquired assets??? , MABAIT LANG KAPAG MAGLO-LOAN PA LANG KAYO, anadyan ang sinasabi ninyong baranggayan lang, ipakita ang moving-in, etc !
    wala!!!
    ONCE NA NABIGAY NA ANG BAYAD AT kakailanganing TIRHAN NA, WALANG TUTULONG SA INYOng taga pag-ibig fund !!! KAYO PA ANG SISISIHIN BAKIT BINILI !!

    Reply
      • Hi sir good day poh, pasingit poh aq dto d poh kc aq mkapag coment post senyo..
        I really need ur advise so badly..ganito poh kc un sir,
        kumuha aq ng property sa cavite non bumalik aq jan for vacation 5 years aq, kaso poh hindi sqn nkapangalan kc hindi aq member ng Pag-ibig to telling story short na scam aq ng dating qng egency na ang savi cla daw bahala para maging member aq ng pag ibig..pero ng e-check q wala pong record kh8 saan na meron aq.. so ang ginawa q ginamit q un sa bayaw q pero hindi cla kasal ng kapatid q..aq nagbabayad lahat kc nga aqn un dba, kaso theres un expected happend na nagkakalabuan na cla ng kaptid q at super worry na aq ngaun.
        Ano poh ba dpat qng gawin doon sa property na binabayaran q for 5 years na poh, sakanya nkapangalan pero aq ang nagbabayad..aq ang SPA nya dati para malakad q lahat ng kikilanganin para my ryts aq gawin un. pero ngaun poh pano na?
        pwede q poh bang palabasin na bibilhin q nlng un property ng cash para lng mapasapangalan q na un? on time poh ang bayad q doon sir walang payla..5 years na..
        Tulungan nyo nman aq plss ano gagawin q??
        dugut pawis q un para lng mapunta sakanya ng ganun ganun nlng..ni wla nman sya ginastus ni singkong duling doon.. ano po dpat q gawin plss??
        salamat poh in advance and Godbless

        Reply
  95. tungkol sa PAGIBIG acquired asset, WAG NA WAG KAYONG maniwala sa pagibig office na sinasabi nilang tutulong sila sa pag aasist para mapa alis ang first owner sa bahay na kinukuha ninyo ( foreclosed— ang binayad ninyo MAPUPUNTA LANG SA WALA!!! KAYO PA ANG SISISIHIN BAKIT BINILI ANG PROPERTY NG MAY TAO PA. “As is, where is”, oo… property!!! hindi ANG NAKATIRA DUN !!!! WALANG KWENTA, MABAIT LANG KAPAG MAGLO-LOAN PA LANG KAYO, ONCE NA NABIGAY NA ANG BAYAD AT TITIRHAN NA, WALANG TUTULONG SA INYO !!!

    Reply
  96. Sir good day po..ask ko lang..naforclose po yong unit namen..pinuntahan ko po agad sa mandaluyong acquired assets..kaso wala pa daw po sa kanila.on process pa po daw..sabi din po papadalhan pa daw po kami ng letter..gaano po kaya katagal yon..nkakaworrry lang po kasi..eh plano po namen ipaid ng 1 year at yon lang po talaga last option para sa original owner.ano po kaya letter yon..salamat po at god bless po

    Reply
  97. Good evening po sir, tanong lng po anu po gagawin kng yung bahy na nabile namin ayaw ibgay kasi pinapabayaran nia yung mga pinagawa nia sa bahy, actually po dati hnd nmn sya yung tlgang my ari ng bahy bali rights.lng yung sa knya.panu po ang gagawin hnd namin magamit yung bahy tas next mnt mgbabayad na kme ng monthly.kasi sb ng pag ibig labas na daw po sila dun ang sagot lng nila ang ameliar at monthly due..sana po masagot yung tanong ko kng anu po ang dapat gawin. maraming salamat po

    Reply
  98. Hi gud pm po ask ko lang po ka si interesado pa kaming mag asawa sa bidding ng pag ibig . Member po si hubby sa pag ibig at ofw po siya isa syang seaman . Yung nga lang po on board papano po un pwede po ba ako ang mag represent para sa Kanya thanks po

    Reply
    • Ano po ba ang maitutulong nyo sa buyer kung sakaling ayaw talagang umalis ang nakatira sa unit sa gusto kong bilihin… Masami pong salamat.

      Reply
  99. good day sir jay, tanung ko lng po, ung bhay nmin matagal n kmi nkatira dun at nagbabayad kami sa broker kso bigla nwala n ung broker so mtgal ndin hnd nkakabayad. tpos ngaun bigla nlng meron nagpunta n my letter n authority to move in. nabili ndw nla ung bhay. panu kaya un? pde pdin b nmin bilin un? mas my karapatan kmi dun gawa nkahulog ndin kmi dun ng mtgal ndin

    Reply
  100. Gudpm po sir naghhanap po aqu ng property na acquired units dtu po sa las palmas sta.maria bulacan may mga list na binigay po skin ang office ng pagibig..when i visit may tao po…aykong aplayan ang may tao…marami nman bakante pls give me a list na pwd qung aplayan thnkx and more power po sir

    Reply
  101. Hi jay.
    Can i ask for help.
    Interested ako bumili ng foreclose house ng pag ibig. Nkita ko sa website nila na under negotiated sale yung property.. does it mean na pwede ako tumawad pa dun sa posted price nila?
    Second.. nung nakausap ko yung developer theu told me na meron pa daw ako babayaran na equity sa kanila kasi hindi pa daw bayad yung dating may ari.. is it possible? Kasi sabi ng oag ibig when i called them wala daw ako babayaran na equity unless e housing loan ko yung modes of payment ko sa property..
    Cash ko kasi sana babayaran yun.. kasi may 30% discount sila if cash.. pwede pa din ako tumawad if ever kahit may 30% discount na from the selling price?
    Thanks

    Reply
  102. Sir ask KO Lang Po may lupa Na Po kami nkuha sa Bulacan..7 yrs Na Pero WALA pa din titulo! Ano Po dapat ggawin! I refund nalang ba namin Sir! Thank you!

    Reply
  103. Good day sor jay
    tanung ko lng po,mag 2 years na po kming nkatira pero di na po kmi nagbabayad ng upa sa dating may ari kc po na foreclose na po,may nakapagsbi rin po na ibibidding na raw,pwede ko pa po ba mapareserve ung unit sir?

    Reply
  104. Hello po what happen sa property na hindi makukuha? pwede pdin bang eloan yun or bilhin ng interested buyer nag hahanap po ako ng good deal planning to get housingloan from pag ibig thanks po

    Reply
  105. Hello po what happen after the auction sa property na d makukuha pwede padin bang e loan yun sa pag ibig halimbawa lang po? nag hahanap po kami ng pwede ma loan and idea po para makakuha ng Good deal salamat po..

    Reply
  106. Good day! i just want to ask, is there a credible website where we can find properties for auction po? thank you so much

    Reply
  107. Good day Sir Jay,

    I just want to ask if in case na hindi kami maka attend sa auction due to busy working schedule, pwde pa rin kaya naming icooperate sa pagibig para makuha namin yung target property na gusto namin. Let’s say available pa sya at hndi pa nabili during the last auction. Your feedback is highly appreciated. Salamat!

    Reply
  108. Hi Sir Jay,

    I want to determine if i am eligible sa housing loan.

    This is what i’ve searched

    “You must be an active Pag-IBIG member for at least 2 years and has contributed a minimum of 24 monthly contributions.”

    Paano po kung naka 24 months na ako pero may putol ng 1-2 months? pero in total atleast 24 months na po. Okay lang po ba yun?

    Thanks

    Reply
    • Alam ko po pwede kayo mag lumpsum contribution para mag total pa rin kayo ng 24 months. Attend din po kayo ng seminar ng Pag-IBIG para sa mga housing loan applicants para ma verify niyo rin contributions niyo, at pwede na kayo magtanong dun about iba niyo pang concerns. Sa main branch po ng Pag-IBIG kayo tumawag, yung sa JELP building sa Mandaluyong.

      Reply
  109. Konting paalala lang po para sa lahat ng nagpapahanap ng property, hindi po namin kayo ma-a-assist dahil hindi na kami nagbrobroker ng properties. Pero ipinagpapatuloy namin na i-post ang listings ng mga foreclosed properties dito kasi website namin ito at alam namin na iyon ang hinihintay ng karamihan ng nagbabasa nito.

    Isipin niyo na lang na para kaming online version ng newspaper na may classified ads (example Manila Bulletin). Siguro naman po hindi niyo tatawagan ang Manila Bulletin para magpatulong sa paghahanap ng property di ba po.

    Alam na po ito ng karamihan na matagal na naming readers/subscribers, at nililinaw ko lang po ito para sa mga bagong visitors. Salamat po ulit sa suporta at pang-unawa.

    Reply
    • Sir ask ko lang po..papanu poba mapapaalis ung nakatira sa bahay na hnd na nila nahuhulugan at close napo sa pag ibig…
      Then nung nag open po ako napo kukuha.

      Reply
  110. hi SIR JAY.. consult lang po. na approve na po kami sa loan for acquired asset sa pag ibig. aware din po kami sa ” as is- where is” condition ng pag ibig pag ng acquire ng foreclosed property. yung nakatira po kasi ayaw umalis, nag sququat lang po sila. anytime po ba pede na namin sila paalisin since may authorization to move in na po kami?

    Reply
  111. Hello Good morning po meron po na sa meycauayan bulacan ng forclosed yung house & lot po . Member po ako ng pag ibig5 years ago na

    Reply
  112. Hi Sir Jay, ask ko lang po interested po kasi ako to bid this coming june 30. nabasa ko kasi na if in case hndi ako ma qualified to loan forfeited yung 10% na cash na idadown ko if ako yung mananalo sa bidding naguluhan lang ako sir, hndi ba pwede malaman agad kung qualified ako.. or forfeited lang in case hndi ko macomplete yung docs. and goverment employee nmn po ang applicant…?

    Reply
  113. Sir interested pu aq..panu pu mkpag bidding..mag kanu pu ang down payment, and panu pu ang process ofw pu aq..thank you pu

    Reply
  114. i AM LOOKING FOR A FORCLOSURE PROPERTY (PAG-IBIG) BANDAND DASMA, SILANG AREA PO. PLEASE EMAIL NAMAN PO ANG DETAILS. THANK YOU PO. .

    Reply
  115. Hello sir good day po…4yrs na pong regular employee asawa ko..pwede po kaya kami kumuha ng forclosed house thru pag ibig?

    Reply
  116. How much po is the down payment if it’s worth 500,000 – 800,000 is the minimum bid for the property?

    Reply
  117. sir nsa 14k po net salary ko monthly;ilan po ang maximum na amount ang pwidi kong e housing loan.driver po ako sa isang ahensya ng gobyerno

    Reply
  118. Hi THERE, paano po malalaman if ung house na tinitirhan mo ay forclose na? willing naman po kasi ako aplyan

    dito po ang area namin sa Trece Martires Cavite- executive Sbdv II

    Reply
  119. Hi Sir Jay

    Tanung lang po kasi bago lang din po ako , may plano po ako kumuha under bank financing pero kung mas mura itong acquired assets sa pag ibig, Pwede po ba ako kumuha na payable monthly? Yan po bang mga bidding na yan dapat may dala kana agad na pera pambid, Hindi ba pwedeng kumuha lang nang acquired asset na pwede bayaran monthly after paying the processing fee and reservation fee of 3k? (provided na approved na ang loan sa pag ibig) mga less than a million lang po kase kaya ko sana hulugan na bahay at lupa. Salamat po

    Reply
  120. Sir naghahanap po ako ng commercial dita sta.Rosa Laguna.malapit sa rotonda.baka may alam po kayo.kc may nakapagsabi s akin n may n foreclosed po doon sa PDIC nagsara n po un sampaguita loan bank.sa San Pedro Laguna ,ang humawak n po daw PDIC.pwede po bang malaman.thanks.God bless

    Reply
  121. Good day po gusto ko sana mag avail ng house and lot na for close pano po at magkano kelangan na cash out para mkapag avail

    Reply
  122. Hello..gusto ko lang po itanong kung for open na po ito has na tntrhan namen kc nkktanggap na kme ng for closure..blk9 lt 13 crystalville cabuyao laguna..blak po kc namen e apply sa pag ibig..thanks po

    Reply
  123. tanong ko lang po sir jay, san ko po malalaman kung wala pong nag bid sa property na gusto ko, di po kasi kami nakasali sa bidding ng april 20 .. salamat po

    Reply
  124. Good day sir wala po bang foreclosed sa camella springville garden 2 molino 3 po? And my bakanteng bahay po kasi sa tapat namin garden 2 po kami blk 4 lot 1 poinsettia st. Corner petunia. Un tapat namin corner din po..

    Reply
  125. SIR MERON PO SANA AKO IPA KONSULTA. TUMAWAG PO KASI SI PAG-IBIG SABI KAILANGAN DAW BAYARAN YUNG DELAYED PAYMENTS 5MONTHS NAPO SABI KOPO SA MAY 2017 FULL PAYMENT KO SABI NILA DINA DAW PWEDE DAPAT ITONG APRIL DAW DAPAT BAYARAN AT MAY SINASABI CYANG NASA PARANG ATTORNEY DAW ATA YUNG DESISYON. TAMA PO BA YUN? O TALAGANG FORECLOSED NAPO YUNG BAHAY? NAKAPANGALAN LANG PO SAKIN KASI YUNG BAHAY NA KINUHA NG ATE KO AT HINDI NA PALA NYA NABAYARAN MULA NOVEMBER 2016. BABAYARAN KO PARIN DAW PO BA YUNG 5MONTHS? SABI PO NUNG TAGA PAG IBIG NA TUMAWAG KUKUNIN DAW NILA SA PAG-IBIG CONTRIBUTIONS KO YUNG 5MONTHS NA WALANG HULOG KAHIT HINDI NA ITULOY ANG PAG BABAYAD. TAMA PO BA YUN SIR JAY? NAG SABI PO AKO NA BABAYARAN KO LAHAT SANA BY MONTH OF MAY LAHAT HINDI DAW PO PWEDE DAPAT ITONG MONTH LANG DAW PWEDE. THANK YOU PO

    Reply
  126. Hello Sir Jay,
    My friend is interested to bid kaya lang natapos na yung schedule ng bidding sa property na gusto niya, saan po ba naming pwede iinquire if may nanalo na or pwede pa ba siyang makahabol? Salamat

    Reply
  127. GooD pm ask ko lng pwede ko b I monthly ung for closed n house since pag ibig member ako.kumbaga sasaluhin ko ung bayad since for closed n sa pag ibig.sa las palmas po caypombo

    Reply
  128. Hi sir, may foreclosed house pa dito sa southern heights san pedro laguna? Balak ko po kc bumili…if ever po na meron ano po pwede requirements para makabili ng bahay…maraming salamat po

    Reply
  129. Good day sir,

    May balak sana akong kumuwa ng for closure n bahay dito sa marilao kaso wala akong idea or alam kung pano gagawin san ko ba malalaman yung mga kailangang gawin para maka avail ng forclosure na bahay. Saan ko din po malalaman kung saan may available na for closure dito sa villa roma marilao. Paano din po ang pagbabayad nun? Monthly din po ba ito. Salamat po

    Reply
  130. Good day Sir,

    May balak sana ako sumali sa bidding process ng pag ibig to acquire house, but i have no money here in my pocket. I only have salary to be pay monthly as a recommend. What should i do? please advice. thank you.

    Reply
      • sir jay tanong ko lang po pag sumali po ba ako sa bidding yung 10% ng amount n ibid ko is bbayaran agad pag ikaw yung nakuha?

        Reply
      • Hi Sir, Panu po mag avail ng pag ibig housing loan if andto po ako sa UAE, panu po ang first process na dapat kong gawin, I am hoping for the positive response from your end.

        Reply
  131. Good day po ako po ay taga davao.about po sa lugar namin.yung katabi naming bahay is forclosed napo undwr na po daw siya PDIC.ang location po namin sa Blk22 lot 11 Makar Rosalina 3 Talomo District,Davao City.Gusto ko malaman saan po pwede i apply para makuha nmin yung bakante

    Reply
  132. good day sir tanong ko lang kung possible po bang i transfer namin yong home loan namin under BDO UNIBANK kasi kami tapos nagka problema kami with the bank so yong property namin is running for close na by next year april 2018 gusto sana namin na i avail na lang yong sa pag ibig po possible po kaya yun sir.

    Reply
  133. ask ko po sana kung paano namin makuha itong nasa katabi nmin na unit. na forclose na po pero di pa lumalabas sa pag ibig. worried kmi bka bigla na lng makuha ng iba ng di nmin alam. paano po ba ang maari naming gawin para sure po na kmi mkakuha. ty po

    Reply
  134. mcc wellington place phase12 blk108 lot13 pasong camachile-2 general trias cavite .my nkapaskil forclose confirmation lng if still available?

    Reply
  135. Good afternoon!
    Any tip po, kung merong for bidding na unit sa Solar Townhomes, Bagumbong Caloocan City?
    Salamat po

    Reply
  136. HI GOOD PM PO SIR,

    nakita ko sa Acacia Homes Subd, Dasmarinas city, foreclosed na po iton yong Blk-7 Lot-11 Acacia Homes Subd. burol III Dasmarinas city. Hindi ko ma contact ang acquired asset.. matutulongan nyo po ba ako. Edith Gajo 5314931

    Reply
  137. good day po sir! may unit na po ako. ung katabi ko pong bahay ay my nakalagay na pagibig property na po at more than one year na noong nag start ung auction sa bahay. gusto ko po sana kunin ung unit na nasa tabi ng bahay ko. pero noong nagpunta ako sa pag ibig mandaluyong d pa dw maayos ung turn over ng unit. pero po sa developer po acquired na dw ng pag ibig ung unit.. d naman po nakalagay sa negotiated sale ung unit. maaari po kayang may nakabili na nitong unit

    Reply
  138. good am Mr. Jay, ask ko lan po nakabili po ako ng forclosure yun title po nakatrnsfer n s bank, nun sheneriff na po yun property at binakuran na bigla po may naghabol ang claim po ng oppositon ay mali daw po yun lote n binakuran n banko pr iturnover sa akin pero lumalabas po sa surveyor n issue ng court eh tama po pero may hawak din po sila na plan na nasasabi na d daw po dun kundi sa unahan pa ng property..ipapatransfer n po s akin yun title at naghahabol po yun opposition at dadalhin nya daw po sa korte, ano po ang karapat dapat n surveyor s property na makaksiguro na tama nga ang lote n binakuran natatakot po ako n baka mali kami at sya ang tama,,,at anu po ba makukuha ko n assurance s banko kung mangyari man ang ganun sa pagkakataon n nsalin n sa akin ang title …?please advise

    Reply
  139. hello goodmorning sir jay ask.lng po bgo lng kmi nghuhulog s pagibig ofw kmi magasawa pero gusto nmin kmuha ng lote dto sa mga inooffer paano po kami mkkpagavail salamt po

    Reply
  140. Good day! Sir Jay Castillo, ppano po kung nsa list for auction / acquired assets. tapos pinuntahan po nmin yung location at may nakatira p sa unit. Pag-ibig po b ang magpapaalis s nakatira?

    Reply
  141. Hi Sir Jay! Ask ko lang po opinion ninyo. Nakapag-reserved na po ako at nakapag-submit ng requirements sa PAG-IBIG at nabigyan na ako ng Confirmation Of Sale doc, as per stated sa doc na ito, I was able to meet their requirements sa property na gusto ko (including financial capacity to pay my mortgage), then ang sabi is for me to follow-up after 2 months. May tendency pa po ba na ma-disapproved ang housing loan ko kung sakaling na-meet ko naman ang mga requirements nila? They we’re asking kung gusto ko maglagay ng co-borrower dahil kung sakali nasa P900K ang ilo-loan ko. Pero nagsisimula pa lang mag-work ang mga kapatid ko kaya di pa sila qualified same with my parents na hindi member ng PAG-IBIG. But if ever po we have means to pay naman in advance dahil po sa ipon namin at sa ibang property na kasalukuyang ibinebenta din namin. Thanks!

    Reply
  142. Good day sir tanong klang may binebentang bahay.pero hindi pa cia tapos sa pag ibig.pwede kbang i apply sa pag ibig para ako na ang mag tuloy.kung baga parang ipapasalo ng may ari.

    Reply
  143. Sir tanong klang may binebentang bahay pero hindi pa po tapos sa pag ibig ibig kung baga ipapasalo lang.pwede kbang ipasok sa pag ibig.para ako na ang mag tuloy. Pwede po ba yun

    Reply
  144. Good Day Sir, Magtatanong lang po kung pano at kelan ko pwedeng malaman na available na yung forclosed unit for reservation? Gaano katagal normally ipinopost ng Pag ibig sa website kung na tatakan yun house nung February 8, 2017? Kasi nagpunta ako ng pag ibig, ang sabi, kailangan ko pa daw hintayin ng ma upload sa website ang unit.

    Reply
  145. nicole shane,
    sir ask ko lng po kung pwede na po ba pumunta sa pag ibig kahit wala sked ng auction para maipareserve na po ung naka auction na property?napuntahan ko na po ung property at unoccupied po..thanks

    Reply
  146. I’ve been calling your contact number 422-3000 local 5124 amd 6546566 since 9am today but no answer when ringing but sometime busy! i am interested with one of your foreclosed property in cavite. my contact number is 5313081 or 09088965993
    thank you

    Reply
  147. Sir jay may housinb loan po ako sa pag ibig nakuha ko po eto 2011 pa pero sa ngaun po ay mahigit 1 year ko na po d nuhulugan at nacancel na daw po ang cotract to sell at nasa acquired asset na daw po nung dec 2016 po. Nanghihinayang po ako sa nahulog ko kaya po gusto ko talaga makuha ulit sa ngayon po ay dito pa kami nakatira Pero sabi po ng acquired ay maghintay po ako ng letter. Ask ko po kung gaano po katagal ang pagprocess nun sa acguired at masasama na po ba sa auction ang property. Nais ko po makuha ulit sir jaym ano po gagawin ko. Saka ang inaalala ko po baka po bigla nalng po pumunta dito sa bahay ang pag ibig at paalisin kami, pwede ba yu .please help po. God bless po.

    Reply
    • ang alam ko 3 beses kayong padadalhan ng sulat,medyo matagal may taon pero meron din mabilis lang at bibigyan kayo ng pagkakataon na mabayaran sa loob ng 1 taon last chance yun kumbaga,kapag di ninyo nabayaran saka pa lang ibibidding bahay nyo at wag kang mag alala di yun ora mismo at kung may asawa ka at member ng pag ibig pwede syang lumaban sa bidding,kung kaya ng cash or 1 year to pay mas mainam para walang gaanong requirements,kung tuluyang di nyo makuha ulit bahay nyo ang magpapaalis sa inyo eh yung bagong may ari

      Reply
    • better to go to mandaluyong pag ibig para ma verify mo ung status ng lote and incase bring all the documents para ma owned mo ulit to continue mabayaran ang bahay.

      Reply
  148. Goodpm Sir…I have a question lng po,kpg ntapos napo ba yung auction/bidding day yung property na gusto mo ibid hindi naba pwede ibidd?

    Reply
  149. Ask ko lng po paano po kung ung monthy payment sa pag-ibig is 4k paano po kung hnd mbyarn ng buo every month ano pong mangyayari??

    Reply
  150. Hi sir! Hope you can help us- matagal na po kaming hindi nakakahulog sa pag ibig, more than 12 months na po at nakareceived na po kami ng final deman letter sa pag ibig due this month. Kaya napag desisyonan po namin na ibenta na lng ang unit at ipasalo ang loan para naman kahit papano eh may makabalik sa mga hulog namin. Ang problema po, natatakot po kami na ibenta ang unit kasi sabi nung pinsan namin niloloko lng daw po kami nung agent – nagkukunyari lng daw po yun na may bibili at ang totoo ay inaantay lng nila ma forclose ang properties namin kasi mas mura daw po na maibebenta ng pag ibig ang properties compare po sa dating contract price nito. Tanong ko lng po kng totoo po ba na ibebenta ng pag ibig yung properties sa mas murang halaga, mas mura nung time na nabili namin yung unit? Thank you po!

    Reply
    • Sorry po to hear your situation, kung kinakabahan na kayo sa agente, suggestion ko po hanap na kayo ng ibang agent. Kumuha po kayo ng licensed real estate broker para hindi kayo mangamba at mabenta ang property niyo ng maayos. Depende po ang pricing sa appraisal at sa loan amount na kailangan mabawi ng pag-ibig, so pwede pong mas mura nila mabenta, pwede din na mas mahal kung mataas ang appraisal..

      Reply
  151. sir. tanong ko lang po pwesi parion po ba ako makakuha ng bahay kahit hindi na ako nakakapaghulog sa pag ibig kasi andito po ako sa abroad?

    Reply
    • Sa pagkakaalam ko po, pwede kayo mag-lumpsum ng contributions. Suggestion ko po pag nagbakasyon kayo at nauwi dito sa Pinas, mag-attend kayo ng seminar ng pagibig para maverify kung ilang contributions ang kailangan niyo.

      Reply
  152. sir, tanong ko lang po gusto ko kumuha ng bahay dito po kasi ako sa abroad member po ako lastyear sa pag ibig now po hindi na po ako nakakapag hulog kasi dito sa po ako sa abroad pwedi parin po ba ako makakuha ng bahay..

    Reply
      • good day sir jayson nalocate ko na exact location and nagrequest ako updated sa RD ctc title lumabas palmera homes inc. pinutahan ko yung address n nkalagay sa tiltle wala na nagpunta ko camella/palmera homes inc marketing para iverify kung nasa kanila record ang sabi wala daw , paano kaya mahahanap kung sino talaga nagavail ng units , occupants na kasi ako may improvements na rin nagbayad ako ng amilyar kahit hindi pko real owner at monthly dues sa homeowners gusto ko lang malaman kung sino may ari …ano po ba magandang gawin ko sir para maayus ko ..sana matulungan moko sir kung anung govt agency ang pwede kong malapitan..thanxs in advance sir ..

        Reply
      • sir nakakuha ko updated sa ctc title sa rd ang sabi sa akin yun na raw may ari ang palmera homes inc. updated wala daw kc annotated wala pa daw nakabili palmera pa rin ang owner ,nagpunta ko sa camella/ palmera office pinakita ko tax dec wala daw record sa kanila, anong govt agency na pwede akong matulungan , gusto ko kc ivail sa pag ibig loan kaya lang hindi ko malocate real owner ..occupants na po ako sir sa property gusto kasi maging legal occupants nako sir pakitulungan ako.. thanks in advance sir jay..

        Reply
        • Good evening Hawk, kung sa tax dec. at title ay nakaindicate na Palmera Homes ang owner, malamang sila nga ang owner. Ano po sabi nila sa camella/palmera office? Hindi nila alam kung sila ang owner?

          Reply
          • Sir good day
            Ask ko lang po if i want to sell my unit na nasa gen trias cavite pero may balance pa cya sa pagibig amounting to 100k as of today(updated po ang monthly amortization). Paano po ang proseso if in case ibebenta ko na ang unit? Posible po ba mabenta ko un then babayaran ko ang natitirang balance then ililipat na sa bumili ng unit ang name ng title?

            Reply
  153. Hi Mr. Jay.
    May gusto po kaming bahay kaya itinawag namin to last december 2016 sa pag ibig.sabi nila hindi pa daw po pwede bilhin dahil inaantay pa ma total forclosed at ipopost sa auction to.. kahapon january 31 nag check ako sa bid list.Yung bahay po na nagustuhan namin ay nasa list ng January 11,2017 bid.Pwede papo ba kami mag pasa ng bid ngayon.. pano po ba malalaman kung may nanalo na sa bahay na yun.. salamat po

    Reply
  154. Sir medyo naguguluhan lang po ako. Ano po and difference ng properties na kasama sa public auctions than properties under negotiated sale. Ano po ang mas advantageous between sa kanila. For negotiated sale po ba pwede na ko di umattend ng auction and will coordinate with pag-ibig thru phone? I’m working po kasi and medyo mahirap um-absent to attend the auction. Thank you

    Reply
    • Hy Lyreen, usually po kasi pag hindi nabenta sa auction, tsaka nila isasama sa list ng under negotiated sale. Mas malaki po ang chance na available pa ang property sa public auction, yung unsold lang ang natitira para sa under negotiated sale.

      Reply
  155. Sir very useful yung website nyo. Minor comment lang – kung possible paki-lagay na lang sa gilid lahat ng ads or paki-ayos yung layout kasi nakakalito, medyo makalat tignan, pag first time viewer nakakalito kung alin yung ads at alin yung totoong contents, ang sakit sa mata. Thank you! More power!

    Reply
  156. SIR JAY KMI NMN PO KC NGYON ANG NKA TIRA DUN EH….KYA PO GUSTO PO SANA NMIN MAG ASAWA NA MAG PA TULOY NG PAG BAYAD NG BHAY KAHIT MALIIT LANG PO ANG MONTHLY OK LANG PO SMIN

    Reply
  157. GOOD MORNING
    ASK LANG PO KUNG PAANO ANG GAGAWIN NMIN SA BHAY NG BYANAN KO KC 1YR NA SILANG D NKA BAYAD..KC PO MY SAKIT PO UNG BYANAN KONG BABAE KYA PO HNDI N CLA MAKAHULOG ANAK PO NILA ANG ASAWA KO PWEDE PO BA KMI NLANG ANG MAG PATULOY NG MONTHLY NILA PANO PO ANG PROCESS NUN

    Reply
    • Pwede naman po yon, pero usapan niyo na lang po yon, hindi kasama ang pag-ibig. Suggestion ko po siguraduhin niyo na hindi pa na foreclose ng pagibig yung property. Tapos dapat may kasulatan din kayo ng biyenan niyo para malinaw na kayo nagbabayad, etc.

      Reply
  158. Hi, paano po kung foreclosed na un bahay. Matagal na walang communication kay PAG-IBIG tapos, just this January, may pumuntang taga PAG-IBIG at kinuhaan ng mga picture ang bahay. ibig sabihin po ba nun, kasama na sa ibibenta un unit?

    Kaya pa bang magawan ng current owner na di tuluyang maforeclose ang bahay niya?

    kung mabili ang unit, papadalhan ba ng notice of eviction ang mga nakatira doon?

    pasensya na po sa mga tanong, at salamat na din po sa inyong magiging tugon.

    Reply
  159. caretaker po ako sa tinirhan ko, sa bahay ng kapatid ng bayaw ko at itoy naging foreclose, tapos nakareceived ako ng mga letters ng pag-ibig at aking pinuntahan ito sa pag-ibig, nagfile ako ng reservation fee at umabot ng cancellation dahil hindi ako makakuha ng coe and compensation dahil finish contract sa work sumabay, at ngayon may work na ako pwede bang ituloy o panibagong proseso sa pag- avail na ako ang occupant dito na meron pumunta sa bahay na sabi nya nakuha na daw nya itong bahay at ipapaayos after 1month sa pagpunta nya sa bahay na isang verbal notice nya, tubig at ilaw ay napaayos ko at napagastos na po ako dito sa bahay na ito. god bless me & u !

    Reply
  160. Sir ask ko lng po. Ang status po ng house nmin ngun s pag ibig ay acquire asset npo. Pero upon cheking its not yet posted..
    Is there any option for us to pay partial. Or can we pay in rent to pagibig. Just to maintain living

    Reply
  161. Hello po, nasa negotiated asset na po yng bibilhin namin unit at we’re planning to pay this installment payable in 12 months. Ang question ko po dito, meron po kaming existing housing loan na mag asawa sa pag ibig din, possibly po ba na ma approved kmi ulit? Ang 2nd n question ko po, allowed po ba ang hindi member ng pag ibig na bumili ng unit under negotiated asset? Thank you in advance for your reply. God bless…

    Reply
  162. Hello

    not possible to find any listing for properties in negros oriental in any of the listing or indeed drop down menus on the pag-ibig site ???????????

    so where to find listings in Neg or

    thanks

    Reply
  163. Hello po, nasa negotiated asset na po yng bibilhin namin unit at we’re planning to pay this installment payable in 12 months. Ang question ko po dito, meron po kaming existing housing loan na mag asawa sa pag ibig din, possibly po ba na ma approved kmi ulit? Ang 2nd n question ko po, allowed po ba ang hindi member ng pag ibig na bumili ng unit under negotiated asset? Thank you in advance for your reply. God bless…

    Reply
  164. Hi good evening ask ko lng po kung anu ang proceedure ng pgbili ng house and lot..dahil may gusto akong kunin n house and lot s laguna.tanx

    Reply
  165. Hi Mr.Jay ask ko lang po kung ano po ibig sabihin nito: In case the Bid Offer, net of the ten percent (10%) bid bond, is still higher than theappraisal value of the property, the amount in excess of the appraisal value shall betreated as equity. It shall be paid by the buyer within thirty (30) calendar days uponreceipt of Notice of Loan Approval. Thank you po 🙂

    pati po ung for title consolidation …

    Reply
  166. Hi Mr Jay, tanong ko lang po, may katabi po kaming bahay na foreclosed na. ano po pwede ko gawin para po mabili po yung property? kc kakapadala pa lang po ng notice ng pag ibig na foreclosed na po ang bahay. thank you po

    Reply
  167. Hello, Im newbie here an I was advised by my co-worker that I could purchase an acquired asset. from pag ibig. Is there
    chance that I could see the actual photos of the lot? thanks.

    Reply
  168. Good Day sir jay
    I am Bryan Colina from Cebu…
    Few months ago I have read in an article of your blog regarding rent to own scheme and as far as I could remember,you mentioned that you stop such scheme.Can you please enlighten me with this one because I am planning to apply this scheme on a property I will buy from pagibig foreclosed properties
    Thanks a lot

    Reply
  169. Hi sir Jay, gusto q sana kumuha nang na foreclosed na property here in cebu, pwd po ba ako pumunta xa pag ibig branch at magtanong regarding xa mga availlable property or kailangan ba talaga na nasa public auction? ano pong proceso xa foreclosed property? thanks po.

    Reply
  170. Hi Mr Jay, I am an employed government employee and a pag ibig member, ask ko lang po gusto ko pong kumuha ng house and lot na foreclosed and babayaran ko po through loan sa pag ibig, pwede po ba un? at saan po ako makakaita ng available foreclosed property at bacoor cavite area. thanks po and good day.

    Reply
  171. Sir Jay, good day!

    Nanalo po ako sa sealed bidding ng Pag-ibig foreclosed properties dito sa Cebu..Salamat po kasi sayo nanggaling yong information regarding sa bidding schedules..Gusto ko po sana ipa rent to own ang property ko once matapos namin ma renovate.Mayron po ba kayong sample ng contract sa rent to own between buyer and seller? pwede po ba ako maka hingi ng soft copy thru email? eto po ung email ad ko (md_manayaga@yahoo.com)…

    Reply
  172. Hi Mr. Jay, tanong ko lang po, kung may foreclosed property po sa Pag-ibig na gusto naming bilhin, pwede po ba kaming directly magrequest ng copy ng title from Register of Deeds as part of due diligence, o kailangan pa po ba ng permission from Pag-ibig? And regarding the bid price, advisable po ba na magstick na ko sa minimum bid price, if not, ano po ang pwedeng gawing basis kung ilang percent ang idadagdag ko sa minimum bid price? Thanks po.

    Reply
    • Hi Marie, regarding sa title, pakicheck yung answer ko dun sa other question mo, thanks.

      Pagdating sa bid, pwede ka lang mag stick sa bid price kung walang kalaban pero mahirap malaman yon pag sealed bidding. Pwede na siguro dagdagan mo lang ng konti (around 5%) unless gustong gusto mo yung property (pwede mo pang taasan.

      Kung balak mo mag buy and sell, compute mo muna siyempre kung ano ang pwede mong idagdag pero kikitain mo pa rin yung target profit mo.

      Reply
      • Thanks po Mr. Jay, malaking tulong po itong website na ginawa mo para sa mga pinoy na tulad ko na walang experience sa foreclosed property investing. Pasensya na po nagpaulit-ulit ung questions ko sa ibang page. More power to you!

        Reply
  173. Hi. Sir jayson. Pwede po bang tumawag sa pagibig. Para inquire kung pwede pang mag bid sa last posting ng july. Aug. -oct 2016?

    and para po di masayang ung time, pag punta ss office nyo. Kasi po the last time na nag try po mag bid ung friend ko sabi sa kanya, naunahan po xa sa gusto nyang bilihin na bahay.
    TIA ☺

    Reply
  174. hi sir, tanong lang po, ano ang mangyayari kung me occupant ang property na open for bidding? sasagutin ba ng nanalong bidder ang relocation ng occupant? thank Q

    Reply
  175. Hi Sir Jay,
    meron kasi akong gustong property na matagal na wala nakatira pero hindi pa sya kasama sa list na negotiated sale at sa list ng for auction, pwede ko po ba ma inquire sa Pag-ibig ang status nitong property? possible po kaya na foreclosed na ito?

    Reply
  176. hello po.di na po b pwedeng umapela ang owner ng bahay n naforeclose?di po kc nag warning ang pagibig.basta ngpadala lng ng letter n for auction n ung property.I hope u can help me with this.thanks

    Reply
  177. Hi Sir Jay, Question po
    1. May nakita kasi ako na foreclosed dun sa location na gusto ko. Included sya sa bidding on Nov.25. Pero sinisearch ko sya ngaun,di ko na Makita .. possible ba na tinanggal na sya sa list?
    2.Yung bid price mo ba, yun na din ung TCP mo?
    Thanks

    Reply
      • nahanapan ko na po ata lahat ng mga auction on the said date kaso wala po talaga. kahit po sa updated list dated 11.7.16
        Sir pwede nyo po ba ako maasist sa link ng mag schedule for Nov. 25 – Cavite area po.
        Salamat po

        Reply
  178. GOOD AFTER NOON SIR JAY ASK KO LNG WHAT IF YUNG PROPERTY NA GUSTO KO IS NAPUNTA SA NEGOTIATED PROPERTY NEED KO PA BA MAG DOWN NG 10% NG TOTAL PRICE NG HOUSE OR YUNG RESERVATION NLNG AT ADVANCE PAYMENT SA INSURANCE

    Reply
  179. Hi Sir, need po ng advise nyo. First time ko po and i have no idea kn purchasing some property thru pagibig though nagbabasa po ako ng steps. May gusto po akong property na included po this coming Nov 25. it means po ba na sa Nov 25 lang po kylngan mag pasa ng bidding application? and may discount po ba pag ang payment is housing loan? regarding po sa bidding price which is 10% ng total contract price, un na po ba ung actual downpayment ng unit. or may equity pa na tinatawag nila and may babayaran pa after ng 10% or start na ung housing load kf maaaprove? thanks po in advance. god bless

    Reply
    • Hi Ms. Evelyn, based po sa guidelines, pwede lang po kayo magsubmit on the day of the auction.

      Regarding discounts, depende po sa listing kung may available discounts.

      Yung sa downpayment, depende po pag na-approve yung loan niyo for the 90%, so pag a-approve po yung housing loan niyo sa 90%, yung 10% napo ang downpayment niyo. Good luck po!

      Reply
  180. Good afternoon po sir Jay… Ask lng po ako.. Sir may nakita po akong house na na pad locked n po ng pag ibig at natatakan na po ng acquired asset ba un.. Tiningnan ko po sa mga listahan ng foreclosed ay wala nmn doon ung bahay na yun? Gusto ko po sana kunin ang house na yun. Kz sa tingin ko ay foreclosed na po… Paano ko po malalaman na ito ay pwedi nf bilhin gayung wala nmn po xa sa for sale po?

    Reply
  181. sir ask ko lang po yung invitation to bid last sept.23 ng pagibig whereas ang auction date nya was last October 27, pwedi pa po ba kaya kami makahabol sa pag pasa ng para sa bidding na yun or dapat pumunta lang kami sa stated date of auction, kasi yung gusto kasi naming lot is si na available for the month of November, meron na po kaya nakakuha ng lot na gusto namin? paano po kaya machecheck if available pa yung lot?

    Reply
          • sir gaano po ba katagal ang approval ng pag-ibig? magkano po ba yung babayaran na 1yr advance insurance premium? may nabasa kc ako na dapat bayaran yun at yung 1month amortization? so incase nasa 300k ang total contract price nya, mga magkano po kaya ang magagastos namin sa pagprocess na lahat bago namin makuha ang title? anong document po ba ang dapat naming ipakita para makapag move in kami, para mapaalis ang kasalukuyang nakatira dun? totoo bang buwan din ang bibilangin bago kami makalipat? naipasa na po kasi namin ang requirements last Nov.22 at binigyan kami ng 2mos time, mukhang napakatagal naman po ata nito. Sa ngayon po ano po ba ang mga dapat naming iprepare na documents?

            Reply
      • sir nakita ko na po sa website young property at nandun po sya, ano po ang ibig sabihin ng status at remarks nya na may “OCCUPIED AVAILABLE – NEGO SALE FOR TITLE CONSOLIDATION” ? pwedi pa po ba sya makuha at iaapply po sana namin sa pagibig? ask ko na rin po kung to too po ba na pwedi na po 3members ang mag apply para kumuha ng property, kasi maliban sa aming mag asawa gusto ko sana na iadd ang hipag ko para medyo malaki din ang makuha namin?

        Reply
        • Bale pag “occupied” ibig sabihin may nakatira po dun sa property na pwedeng former owner or illegal occupant. Buyer na po ang magpapa-eject.

          “Negotiated sale” – Ibig sabihin po hindi na dadaan ng auction, mag submit na lang po kayo ng offer sa Pag-IBIG based on their standard procedure.

          “Title for consolidation” – Ongoing po ang paglipat ng titulo dahil nakapangalan pa po sa former owner, ongoing ang paglipat sa pangalan ng Pag-IBIG.

          Nabalitaan ko din po na pwede na ang 3 family members as co-borrowers, pero paki tanong po sa Pag-IBIG ang details or attend po kayo ng seminar nila for member na mag-a-apply for a housing loan.

          Reply
      • sir nakita ko na po sa link yung property na gusto ko Kaya lang may remarks sya na ganito, “OCCUPIED AVAILABLE – NEGOTIATED SALE FOR TITLE CONSOLIDATION”, ano po ang ibig sabihin nun, available pa po ba sya o may nakakuha na, at totoo po ba na pwedi na po ang 3members sa pagibig kung kukuha ng house and lot, balak kasi naming mag asawa na isama ang hipag ko para makuha namin yung lot medyo malaki rin po kasi ang TCP nya, sana po ay matulungan nyo ako, salamat po.

        Reply
          • sir salamat sa advise nyo, sa ngayon naireserved na po namin sa pagibig yung foreclosed property na gusto naming kunin. kasalukuyan po ay inaasikaso naming mag asawa ang mga requirements. kung sakasakali po na matapos namin ng mas maaga ang pag kompleto at maapprove naman ito agad ng pagibig, paano pp ang sunod naming gagawin kasalukuyan po kasing may nangungupahan dun sa property at yung dating may ari ay pumupunta lang dun para maningil, paano po kaya namin sila mapapaalis?

            Reply
          • sir gaano po ba katagal ang approval ng pag-ibig? magkano po ba yung babayaran na 1yr advance insurance premium? may nabasa kc ako na dapat bayaran yun at yung 1month amortization? so incase nasa 300k ang total contract price nya, mga magkano po kaya ang magagastos namin sa pagprocess na lahat bago namin makuha ang title? anong document po ba ang dapat naming ipakita para makapag move in kami, para mapaalis ang kasalukuyang nakatira dun? totoo bang buwan din ang bibilangin bago kami makalipat?

            Reply
  182. sir tanung lng po meron po don samin abandon house pero dko po makita sa pag ibig ung list kung ano status ng bahay saan po ba pwede malaman status ng bahay,

    Reply
    • Check niyo po muna kung sino may-ari, punta kayo sa city assessors office na nakakasakop sa property, sa tax-mapping section. Sabihin niyo gusto niyo mag due diligence sa isang property, tapos bigay niyo address. Sasabihin nila kung sino may-ari based on the tax declaration, pati na rin title number. Tapos punta kayo sa registry of deeds para makita kung sino may-ari based sa title, at kung kanino naka-mortgage (kung totoo nga na naka mortgage). Kung sa Pag-IBIG nga naka mortgage, pwede niyo check, tawag kayosa Pag-IBIG.

      Reply
  183. Sir jay, tanung lang po what if hindi po kame yung former owner ng bahay pero willing po kame n i-apply sa pagibig yung bahay kaso my nauna na po sa amin na nakakuha ng bahay thru bidding. What if ibabalik po namin sakanila ang binayad nila? What will happen po kaya?

    Reply
    • Bale kayo po yung naca-occupy? Try niyo rin po kahit hindi kayo yung former owner. Malay natin pumayag yung nauna magapply na tanggapin yung pera nila pag binalik niyo. Yun nga lang, hindi pa rin sigurado kung i-a-allow kayo ng Pag-IBIG, so tanong niyo na rin po para sure.

      Reply
          • Hello sir Jay tanong lang po,pag na fireclosed ba property mo ng banco house and lot tapos nakabayad kana ng 5 years my makukuha kapa ba? Thanks

            Reply
          • Hello sir Jay tanong lang po,kung sakali ba na ma foreclosed ng bank ang property na house and lot tapos nakapagbayad kana ng 5 years my makukuha paba po ba yong owner o yong borrower?thanks

            Reply
      • What if po kung mkipag matigasan kame sknila? Kc gsto tlga namin mkuha itong bahay kme narin po kc ang ang nagpaayos nito as in lahat kme ang gumastos even ung tubig sa amin nakapangalan.. kuryente kc tlgang aapplayan namin ito.. nagkataon lng po na wla kme dito nung nagpa dala ng sulat yung pagibig.. anu pong maaari nilang gawin at wla na bang chance na makuha namin itong bahay?

        Reply
        • Sa pagkakaintindi ko po nung last time nagbigay ng orientation ang Pag-IBIG sa brokers, binibigyan naman nila ng chance na makabili yung current occupant. Hindi ko lang po sure kung ano ang procedure, kaya ang suggestion ko po paki check sa Pag-IBIG directly.

          Regarding kung makipagtigasan, kung ako po ang tatanungin ay mas maganda na try niyo muna makipag-usap ng mahinahon sa kanila at pati na rin sa Pag-IBIG, tapos banggitin niyo na na pinaayos niyo na ang bahay, yung sa tubig, kuryente, etc.

          Reply
  184. Hi! sir, Jay Castillo, Pwede ko po e story ko saYo kong papaano mo ako matututlongan sa problema in behalf of my pamangkin.Tungkol po ito sa property na napanalo sa bidding noon Oct.12,2016 ..Ganito po yon,last july/2016 dumating po yong Invitation to purchase sa kapaitbahay ,Tierra Nova royale Phase 2 block 6 lot 14 Bagumbong Caloocan City…yong nakatira na sia umuupa di po nakapag completo pasa ng docs for certain schedule…at binigay sa amin ,at pinuntahan po namin sa pagibig office Mandaluyong at binigyan kami ng form schedule of bidding Oct.12, 2016..interesado po kami. dahil sa location na ito ay corner lot at lot area of 103 sq.mtr.. total cash price 851.333.33… Nag bid BOND po kami sa halagang Php.90,000.00…nang pagkayari ng bidding na Notice po namin na ang address na naka lagay ay TIERRA NOVA ROYALE PHASE 1, BLOCK 6 LOT 14, sia po kami nagpaiwan at vrify kong bakit Phase 1 , last sept.15 na VALIDETED NA PO DAW SABE NILA, at PINUNTAHAN po namin agad, naku po!! kaharap ay creek at isa pa po ang mga nakatira doon umalis na at ala ng kapitbahay isa pa po madaming magnanakaw at addict……Sir,isa ito sa kadahilanan kong bakit hindi talaga magugustuhan…..In short we are asking to change the property na masatisfied naman kami dahil life time investment po ito…..OFW PO, AT INUTANG LANG ANG PERA SA KANYANG EMPLOYER..KAWAWA NAMAN… NAME: DAISY CANDOR CAMINA… SI MS. ROCIEL BRIONES po ang kausap dito pero ala pa pong responce…gusto ko nang lumapit sa 8888 o kaya direct to the office of the President duterte tungkol sa problema na ito…maraming acquired assest sila sana pagbigyan naman kami para mapapalitan ng hindi MASAYANG ANG PERA NA PINAGHIRAPAN…WE ARE ASKING YOUR HELP …THANK YOU AT MABUHAY PO KAYO…

    Reply
    • Naku po Ms. Melinda, hindi naman tama na ibang property pala yung gusto ng pamangkin niyo, pero iba bigla ang naipanalo niyo sa bidding.

      I-akyat niyo na po agad sa mas nakakataas sa Pag-IBIG. Dapat palitan yung property para yung makuha ng pamangkin niyo ay katulad nung nauna at talagang magugustuhan niya. Kung ayaw nila palita, dapat ibalik na lang yung Php90K.

      Reply
  185. Good day po sir jay. pwede po bang bayaran ng cash basis ang isang auction housing kung saan pag ibig branch gaganapin ang araw ng bidding nito? kailan pa po namin makipag bidding kung cash basis mo na yung property? pls advise. thank you sir in advance

    Reply
    • Yes, pwede po ng cash-basis. Depende po sa list, may discount pag cash-basis. Paki-check na lang po yung “Invitation to bid” kung saan kasama yung gusto niyong property para sa details. Salamat!

      Reply
  186. good am sir!ask ko lang po what if ako lang yung nag bid dun sa property na napili ko,pwede po bang yung bid price ko lang ay kung ano mismo yung bid price ng pag ibig fund na nakalagay kasi wala naman ako ka compete…thank you and godbless

    Reply
  187. sir ask lang po pano kung yun may ari ng bahay pinaupahan yun bahay nila na niloan nila sa pag ibig tapos kami monthly nagbabayad sa kanila,eh nalaman namin matagal na pala sila ndi naghuhulog sa pag ibig.pwede ba namin yun sabihin sa pag ibig.

    Reply
    • “Rent to own” po ba yan? Pwede niyo po sabihin sa Pag-IBIG, pero malamang sabihin nila na labas sila sa usapan niyo (kayo at ang may-ari), at ang kausap lang ng Pag-IBIG ay yung may-ari na nag loan sa kanila. Medyo dehado po kayo.

      Pero itanong niyo na rin sa Pag-IBIG kung ano status nung property, baka naman po nag ne-negotiate yung may-ari.

      Worst case eh baka po malapit nang ma-foreclose, or naforeclose na po yung bahay. Pag ganun eh lugi po kayo kasi baka hindi napo mabalik sa inyo yung binabayad niyo sa may-ari.

      Reply
      • Thank you sa reply, maasahan po talaga kayo at nakaka tulong …actually po, i talk to Ms. Rociel Briones, who is encharge to bidding Dept yesterday thru phone ..sabe po na e akyat na daw nya yong letter at nasa table na po ni Bondador and she is waiting for it…only thing syempre worried pa din kami..upon tracing the phase 2 nasa clean title na pala yon..and it is now naka sangla in the bank …..we are asking the Pagibig to change the property if the cannot refund the money…before i ask Ms. Briones if ever if we are going to refund the money how much sabe out of 90k only 14thou… i replied WHAT??? you got the money easily as that??? my Godness….!!! sabe ko so change the property….we are thinking to go thru ask , last course ha!!! to call 8888….if might they can help us … Ang hirap naman pala kausap ang pag ibig with it comes to this kind of problems di sila agad nila binibigyan ng attention saman tala ang daming tao nila…in this matter kailangan pa ba magkaroon ng ganitong paguusap bago nila bigyan ng action???? issues and concerned ito pero bali ala nila.. Now i know i would advise the people to have Loan in the Bank not in the Pagibig it is more safe … kaya the Pagibig mas maraming forclosed properties than Bank its because of long range of payment seems become too expensive compare to the bank…correct me if i am wrong… Thank you so much..Mabuhay po kayo Sir.

        Reply
  188. QUESTION LANG ..ME CASE KASI NA YUN NAKABILI SINABI NILA SA PAG IBIG WALA NA DAW NAKATIRA DUN MATAGAL NA ,SILA NA YUN TUMIRA TAS INAPLYAN DAW KUNO NILA SA PAG IBIG KAYA NA-APPROVED SILA AGAD DAHIL SA DECLARATION NILA .MERON BA TALAGANG GANYAN KALAKARAN SA PAG IBIG?NI WALANG NOTICE NA BININIGAY?

    Reply
  189. Sir paano po kung ung gusto mong bilhing property is occupied? Hinid po b medyo hussle un? mhirap kcng mgpaalis ng mga tenant minsan cla pa ang matapang

    Reply
  190. Sir jay hindi po ba puede ung tanong ko? kc nawala po yata, me chance kayang maaprove ang isang individual sa pag ibig housing loan? kng hindi maganda ang record nya sa credit card?

    Reply
    • Technically pareho lang po sila. Once a property has been foreclosed by a bank/lender and property ownership has been transferred to thr bank/lender after the redemption period, then the bank/lender has already “acquired” the property, and is already part of their acquired assets or foreclosed property inventory.

      Reply
      • Hi sir Jay, ask ko lang po puede or me chance po bang maaprove ako sa
        pag ibig housing loan kaht not in good standing ako sa credit card? pero good standing nman ako sa pag-ibig ko

        Reply
  191. Hi sir Jay, ask ko lang po puede or me chance po bang maaporve ako sa pag ibig housing loan kaht not in good standing ako sa credit card?

    Reply
    • Naku, kung kagaya sila ng mga bank, makikita nila yon, at pwedeng hindi ma-approve dahil dun. May friend ako ganun ang nangyari, pero bank yon. Bale ninayaran niya in yung yung credit card niya, tapos na-approve na yung home loan niya.

      Reply
  192. Hi sir just want to ask if when will be the scheduled auction for Cebu area? Hoping I would be able to get some information reg foreclosure properties in Cebu sir. Thank you. God bless

    Reply
    • Eto po ang sample computation kasam sa instruction to bidders (HQP-AAF-104):

      “NOTES: a. Each bid must be accompanied by a bidder’s bond in the form of cash or manager’s check issued by any commercial bank, payable to the Pag-IBIG Fund in the amount equal to ten percent (10%) of the bid price. Such deposit shall serve as the winning bidder’s downpayment or shall be returned to the non-winning bidder, without interest, upon completion of the public bidding.

      Sample Computation:

      Minimum Bid Price : P 300,000.00 (Pag-IBIG Fund)
      Bid Amount : P 400,000.00 (higher than the minimum bid price)

      (Bid Amount) x 10% (P400, 000.00) x .10

      Bidder’s Bond : P 40,000.00

      b. The bid amount shall in no case be lower than the minimum bid price determined by the Fund indicated in the Invitation to Bid. ”

      Reply
  193. hi ask ko lang po if ever ba ano po ang ba reasons bakit nadisapproved ang pagibig acquired assets housing loan. talaga po ba na may nadedeny…. i already made a reservation and waiting for approval.

    Reply
  194. Hello po..ask ko lang po kung kukuha po ako ng forclosed properties sa pag ibig..nagkano po downpayment ko kung sakali po ang mkukuha ay nasa halagang 500000 thousand? salamat po sa inyong tugon..

    Reply
    • Bale kung 500,000 po ang bid amount, yung bidders bond niyo na magiging downpayment pag nanalo kayo sa bid ay:

      500,000 x 10% = Php50,000

      Eto po ang basis – sample computation kasama sa instruction to bidders (HQP-AAF-104):

      “NOTES: a. Each bid must be accompanied by a bidder’s bond in the form of cash or manager’s check issued by any commercial bank, payable to the Pag-IBIG Fund in the amount equal to ten percent (10%) of the bid price. Such deposit shall serve as the winning bidder’s downpayment or shall be returned to the non-winning bidder, without interest, upon completion of the public bidding.

      Sample Computation:

      Minimum Bid Price : P 300,000.00 (Pag-IBIG Fund)
      Bid Amount : P 400,000.00 (higher than the minimum bid price)

      (Bid Amount) x 10% (P400, 000.00) x .10

      Bidder’s Bond : P 40,000.00

      b. The bid amount shall in no case be lower than the minimum bid price determined by the Fund indicated in the Invitation to Bid. “

      Reply
    • Sa alam ko pwede po kayong mag lumpsum contribution para pasok kayo sa required total conntributions. Pakitanong po sa Pag-IBIG pag attend niyo ng seminar nila for housing loan applicants, required din po yon, or tawag kayo sa hotline nila.

      Reply
    • Bale may nakatira po dun sa property na illegal, hindi po yun ang former owner kaya hindi nila alam kung sino yon.

      Yung title po ay ongoing ang paglipat ng ownership in favor of Pag-IBIG.

      Reply
  195. Hi Sir Jay,
    Jon here. Question lang po, for example po eh ung TCT ng property is 900k pwede ba ang i-loan is 1.3M para dun sa mga possible repair sa mga foreclosed asset?
    Thank you. More Power!

    Reply
    • Sorry po, we simply cannot entertain requests for direct emails, dito ko na lang po i-popost. Bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction. Thank you for understanding!

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction. Pag may Cavite, dun niyo na lang po i-check. Thank you for understanding!

      Reply
    • Hi Jo, bale kailangan niyo magpaverify sa Pag-IBIG. Pagpunta niyo dun, attend na din kayo ng seminar nila for housing loan applicants para alam niyo details, tutal andun na rin lang kayo.

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction. Thank you for understanding!

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check. Thank you for understanding!

      Reply
  196. Hi sir jay tanong lng po sana im rona.. kasi may bahay po kami na loan sa pag ibig kaso na foreclose na po.. kasi nag laps po kami sa pag bayad.. pwede pa po ba kami mag loan ulit ng bahay sa pag ibig? Kasi plano namin kuha sa cavite sir dito sa iloilo ang na foreclose.. pls advice thank u and God bless…

    Reply
    • Sorry to hear your situation Ms. Rona. Depende po sa Pag-IBIG kung naka-enforce pa rin yung ploicy nila na pag may record na ang isang borrower na naforeclose yung bahay, hindi na pwede ulity mag loan (nabasa ko po yon before, hindi ko na matandaan kung saan)

      Reply
    • Pasensiya napo, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check. Para po sa inyo, Cavite ang dapat niyo i-download. Alam ko yung NCR ang may Cavite listings. Thank you for understanding!

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check. Thank you for understanding!

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos pwede niyo i-download para ma-check. Thank you for understanding!

      Reply
  197. good day sir.. i contacted pagibig hotline last month and asked them if pwede po ako magbid. sabi po nila, ung may invitation lang daw pwede. pinapadalhan po ba ung mga pagibig members ng invitation?? im in doubt with the statement of the operator. thanks

    Reply
    • Baka po ibig sabihin ng operator ay pwede lang kayo magbid sa properties na included sa mga Invitation To Bid. Madodownload niyo po sa taas lahat ng available na mga Invitation To Bid ng Pag-IBIG.

      Hindi po sila nagpapadala sa individual members.

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check (n your case, Metro Manila/Makati). Thank you for understanding!

      Reply
  198. Hi Jay,

    Here’s my situation. Currently po we’re occupying a foreclosed property which is first owned po ng tita ko but unfortunately it was foreclosed 3yrs ago. Gusto po nmin bilin or iassume ung balance so we went to pagibig to inquire. Sabi po ng pagibig that we have to wait until for bidding n ung property, but its almost a year na po pero ndi p din po saya for bidding. We went back to pagibig to check pero same p din po ung sinasabi nila. Any advise po kung ano pede nmin gawin. I know we are consider as illegal occupant pero until now kahit invitation to purchase wala po kasi sila binibigay 🙁

    Reply
    • Hi Mr. Norberto, they might be waiting for the redemption period to lapse. There might have been a delay with the annotation of the certificate of sale, causing a delay in the start of the redemption period. Suggestion ko po clarify niyo kung kelan matatapos yung redemption period para may idea kayo kung kelan lalabas or ma-include yung property sa mga invitation to bid na nirerelease ni Pag-IBIG.

      Reply
      • Tnx for your response Jay. We have already clarified but Pagibig can’t provide a definite date when would the property be included sa bidding. Sabi nila they will just notify us about it pero till now wala po. They also said that the property is already under Pagibig. Do we have to provide any documents for to secure the purchase of this property and make this process a bit quicker. TY!

        Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check. Alam ko may NCR for auction this October. If hindi niyo mahintay yung update, paki-download na lang po yung invitation to bid sa NCR branch ng Pag-IBIG sa taas. Thank you for understanding!

      Reply
    • Meron po sa Laguna sa taas. Pasensiya na po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check. Thank you for understanding!

      Reply
  199. hi sir jay guDam po..pano po bato ma avail thru pag ibig housing loan,,punta aq sa pag ibig tas sabihin q ba yung foreclosed na property na gusto ko??may nakita aq bocaue area
    pasensya na po hnd pa ko nakakapag loan kc kaya no idea aq tlga ,,salamat po

    Reply
    • Tama po kayo Ms. Ludy, pero dapat sana kumpleto kayo ng requirements pag nagpunta kayo sa Pag-IBIG para hindi masayang ang pagpunta niyo dun. Kasama po listahan ng requirements sa invitation to bid/bidding guidelines. Good luck po!

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check (Rizal po ang para sa inyo). Thank you for understanding!

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check. Thank you for understanding!

      Reply
    • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check (sa pagkakatanda ko meron pong Bulacan sa mga listings sa taas, hindi lang ako sure kung may Malolos). Thank you for understanding!

      Reply
    • Hi Maryann,

      So far there are no public auctions scheduled for October 2016 that includes Pag-IBIG foreclosed properties in Lipa, Batangas.

      However, you can find Pag-IBIG foreclosed properties for negotiated sale in Lipa City (More than 200 as of October 10, 2016) through the following steps:

      1. Visit http://www.pagibigfund.gov.ph/aa/search.aspx
      2. Under “Select Province” scroll down and click on “Batangas”
      3. Choose Lipa under “Select Municipality”

      All Pag-IBIG foreclosed properties from Lipa, Batangas that are for negotiated sale will be displayed.

      Reply
    • Hi Sha,

      So far there are no public auctions scheduled for October 2016 that includes Pag-IBIG foreclosed properties in Cebu.

      However, you can find Pag-IBIG foreclosed properties for negotiated sale in Cebu through the following steps:

      1. Visit http://www.pagibigfund.gov.ph/aa/search.aspx
      2. Under “Select Province” scroll down and click on “Cebu”
      3. All Cebu foreclosed properties will be displayed
      4. You can optionally choose a location in Cebu under “Select Municipality” and also filter based on price under “Select Price Range”

      Reply
  200. Hi Sir, im here now in Hongkong..
    Meron Las Pinas City pod ba na foreclosed din.. I am very much interested Sir…
    Sana matulungan nyo po ako.
    Thank You…

    Reply
    • Isa lang po ang nakita na nasa Las Pinas na for public auction. Nasa listahan po nung for auction on October 12, 2016: “Casimiro Townhomes II – Ph 3 Blk 27 Lot 04 – Brgy. Talon Tres, City of Las Pinas, Metro Manila”

      Kakacheck ko lang pa at wala rin pong for negotiated sale ang Pag-IBIG na nasa Las Pinas.

      Reply
      • Hi Sir, If ever po.gusto ko po.. ano po requirements Sir.Bilang OFW sa Hongkong. Then.. pwede po makahingi Sir ng Sample Computation 20~25 years to pay.. or ano po maganda ma i advise nyo sakin Sir..
        Thank you Sir…
        and Have a good day..

        Reply
  201. hi sir, tanong ko lang po kung ano anong available units na foreclosure. interested po kasi kami kumuha ng bahay. ang hirap po kasi sa iba may ankatira, mga acquired asset ni pagibig

    Reply
    • Kailangan po talaga i-check niyo sa listahan kung occupied or hindi. Minsan nga po kahit nakalagay na unnocupied, pag pinunthan ay occupied naman, siguro may nakapasok na illegal occupant after ma-check ng taga-Pag-IBIG.

      As of writing this comment, lahat po ng for public auction for October 2016 ang nakalista sa taas.

      Reply
  202. Hi Sir,

    yung bahay ko po na foreclosed na ng pag ibig, then bibilihin ko po na sya or babayaran ko po sana ng buo kaso sabi ng pag ibig may naka reserved na daw po nung April pero pumunta po ako ng June katapusan sabi sakin ng Pag ibig ka usapin ko daw yung naka reserved na ng bahay, ngayon nag antay ako kung sino yung naka buy ng bahay ko kaso diko naman malaman kasi di pumupunta dun sa bahay so dumaan ang mga araw pumunta ulit ako sa pag ibig sabi ko baka naman may number kayo kasi di nga namin maka usap di daw po pwede, ngayon po may mga notice naka kmi ng evact sabi ko po sa pag ibig wala na ba po ako karapatan dun kasi ako naman po first owner, sana po matulungan nyo po ako, at ma ipapayo, salamat po

    Reply
        • Sorry po, we simply cannot entertain requests for direct emails, dito ko na lang po i-popost. Bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction. Salamat!

          Reply
      • sir ano pong redemption period, OFW kasi ako sir kaya yung umuwi ako gusto ko sana ma ayos yun kaso gusto ng pag ibig na bayaran ko ng BUO yung bahay sabi ko kahit na 5yrs bayaran ko sya kaso sabi nila 1 year lang eh malaki masyadp diko kaya naki usap ako kaso di nila ako pinag bigyan ngayon may pera nako babayaran ko na buo kaso nga naging result eh na bid na nila at may naka pag reseverd na daw, eh sir sabi ko yun reserved ako babayaran ko na ng buo, how frustrating…

        Reply
        • Yung redemption period po yung 1-year na pwedeng bayaran in full (plus penalties, surcharges, etc) para hindi na matuloy ang foreclosure. Mukhang yon na po yung sinabi sa inyo ng Pag-IBIG. Suggestion ko po eh ipila niyo pa rin offer niyo na cash, baka lang po ma-consider kahit may nauna nang nag reserve.

          Reply
  203. good afternoon po sir. gusto ko lang po sana itanong kung pano po ako makaka kuha ng mga forclose n house and lot s mga subdivision dto po samen s sta.rosa,laguna at s pagibig po ng asawa ko gagamitin.??. kaya lng po matagal n po hindi nakakapag hulog s pag ibig ung mister ko mga 3yrs n po.. pwede po kaya n ung pagibig ng mister ko kahit wala po xa dto s pinas?? salamat po..

    Reply
    • Hi Ms. Karen, sa pagkakaalam ko po pwede naman mag lumpsum para sa contributions sa Pag-IBIG, para pwede na kayo mag loan at mag qualify na bumili ng foreclosed properties nila. Suggestion ko po, attend kayo ng seminar ng Pag-IBIG para malama niyo options niyo. Tawag po kayo directly sa Pag-IBIG for more details.

      Reply
  204. hi sir 1year na po kami hindi nakabayad sa pag ibig dahil halos ilang buwan nasa hospital ang morher ko kya halos lahat ng pera dun napunta sa pagpapagamot nya. ngayon nalaman ko na nasa acquired asset na xa gusto ko pa sana mahabol dhil natapos na mga bayarin namin. ang problema po pag tawag ko sa billing and collection andun na nga sa acquired asset. mahahabol pa kya iyon? sana po masagot po. salamat.

    Reply
    • Hi Ms. Len, sorry to hear your situation. I hope okay na po mother niyo. Suggestion ko po, dumiretso kayo sa Pag-IBIG head office (yung sa Jelp building, Shaw Blvd. Mandaluyong City) para makipagusap directly kung ano status ng property. Magdala din po kayo ng letter na nag e-explain kung ano po nangyari kaya hindi kayo nakapagbayad, pati na rin po yung hospital bills. Kahit hindi sigurado, baka po mapagbigyan dahil sa nangyari, wala naman pong mawawala kung subukan.

      Reply
  205. Good day po sir.. mag ask po ako kung ano dapat gawin.. yung bahay po nmin is acquired na kasi 2 yrs na po hindi nabayaran. Hindi po kami ang nakatira sa bahay( real owner)since nasa ibang bansa po kami pareho asawa ko ginawa po nming paupahan yung bahay. Sa ngayon po may broker po ako nakausap na nagsasabi nga na acquired na bahay.. okey na po sa akin na maclosed ung bahay.. ang problem ko now sir ung umuupa sa bahay simula ng malaman na for acquired na ung bahay ay ayaw na nila magbayad ng upa at since may gusto nga po bumili ng bahay need na nila umalis dun.. ayaw po nila umalis ng bahay. Anu po kea pd gawin dun sa mga umuupa..

    Reply
    • Hi Ms. Liezel, sorry to hear your situation po, pero mabuti naman po at nakahanap kayo ng interested buyer.

      Sa pagkakaintindi ko po, hindi pa po tapos ang redemption period, tama po ba? Kung within redemption period, eh di kayo pa rin po ang rightful owner. Same process lang po pag nag evict ng tenant, ipabarangay niyo po muna. Baka po dun pa lang maayos na.

      Reply
  206. Hello sir jay hoping po ako Na mabigyan nyo Ng pansin Ang idudulog Ko po Na problema Sa bahay nmin Sa Cityhomes Sa cavite 2years nadaw po siyang foreclosed sabi Ng friend Ko dahil po doon in apply Nya Sa Pag ibig tumira po sya Sa bahay nmin Ng may mga gamit pa t in force po tlaga Nya Na alisin Na gamit nmin Kasi may dumating naraw po Na nkabili Sa kdahilanan Na Wala nman magawa Ang kapatid Ko hinakot lahat Ng gamit nmin at Ng umuwi po ako last month nalaman Ko sya pala Ang nag apply Sa bahay nmin. Sir matanong Ko Lang po regarding po Sa contract to sell nmin nakalagay po Sa contract nmin Na 30 years nmin hulog hulugan Ang nkuha nming bahay Bakit po npunta kaagad Sa aquired asset ?Sa 2years Na Hindi nmin nhulugan 75k nlang po balance nmin nagulat nalang Kami sir nasa Aquired asset Na sya dina po ba nmin mahhabol ito Kung sakali sir? need to know sir kasi nkiusap friend Ko tumira Sa bahay nmin Wala naman daw Tao Dito po ksi Kmi Sa ibang Bansa Kung baga nag paawa po sya yun pala may plan siya Na angkinin Ang bahay nmin

    Reply
    • Grabe naman po yung kwento niyo, pero at least kilala niyo yung nag-occupy ng bahay niyo.

      Regarding naman po sa property niyo, nakalagay po sa billing statement ng Pag-IBIG na “You shall be considered in default if you fail to pay three (3) consecutive monthly installments/amortizations and/or monthly membership savings and other obligations under the loan. Default will lead to cancellation of your CTS or FORECLOSURE of your mortgage.”, kaya po naging acuired asset yung property niyo, lalu na at 2 years po palang hindi kayo nakapag hulog.

      Suggestion ko po contact niyo agad ang Pag-IBIG para malaman kung talagang sold na yung property niyo or hindi pa para malaman kung pwede pang mahabol. Sana nga po pwede pa, sayang naman at 75K na lang po pala ang balance niyo.

      Reply
  207. Hi sir Jay ask k lng po bka pwide ako magtanong dito kc po gusto k mag assume ako ng house under s pag ibig po sir pro yun owner nsa abroad po parehas km nsa abroad ano gagawin k pra maging legal yun papers s pagbili k po nkita k lng po kc s olx online yun house for sale ,ano po una k gagawin pra mapatunayan k po n legal yun pagbinta nla ng house skin at saan ako pwd lumapit bago k bayaran yun house thank u sir sna matulungan m ako

    Reply
    • Suggestion ko po, hingi kayo ng statement of account sa owner, pati na rin authorization para ma verify niyo yon sa Pag-IBIG.

      Kung formal assumption of mortgage, dapat po ma-approve kayo ng Pag-IBIG. Sa tingin ko po kailangan niyo parehong makauwi dito sa Pilipinas para maayos lahat, at si Pag-IBIG po ang magsasabi kung paano ang buong proseso.

      Kung internal agreement niyo lang po with the owner, hindi alam ni Pag-IBIG na may usapan kayo nung owner, at pwedeng ituloy niyo na lang ang bayad, pero si owner pa ring ang nakaharap sa Pag-IBIG. Pwedeng gumawa kayo ng kasulatan or SPA na pag fully paid na eh kayo na ang kukuha ng titulo sa Pag-IBIG at pwede niyo na ilipat yung ownership sa inyo. Ingat lang po kasi halos wala kayong pinanghahawakan (papel lang), tapos hindi niyo naman talaga kilala yung owner.

      Reply
  208. Hi Sir Jay, Hope you can give us insight about our problem. We are eyeeing a foreclose property in Pagibig at for bidding n sya for september..ang problema ma po pagpunta nmn sa H&L my occupant ito pero hinid sya ung previous owner ng bahay..sabi ng mga kapitbahay nabili nya n raw ung “rights”. When we checked at the RD ung title po ay may annotation n certificat of sale sa HDMF*(Pagibig)…gsuto po nmkin bihilin ung properties pero bka hinid umalis ung occupant at may laban b sya pgngkaton sa sinsabi nya n nbili nyang rights s dting owner? tumira lng sila ddun cgurto mga march or april this year..pero ung title ay nka certificate of sale pa last aug 2015..natatakot po kmi bka mwalan ng saysay ung pagbili nmin ng bahay kasi sa nabsa ko duiot sa link na to:

    http://www.pagibigfinancing.com/articles/2011/foreclosure-properties-to-buy-or-not-to-buy-part-1-of-2/
    sana po mbgyan nyo kmi ng advise…Thank you in advance – RJ

    Reply
    • Hi RJ, as I often mention here, whenever you see an occupied property, just walk away and move on to the next property. It’s not worth your time, money, and effort, not to mention loss of peace of mind and many sleepless nights.

      The illegal occupant may or may not have a legal agreement with the former owner, but that’s worthless because Pag-ibig foreclosed the property anyway, which is his problem, not yours, unless you buy it. Please don’t.

      Reply
      • Hi Sir Jay,
        Thank you for your response. Correction lng po…2013 pa nregister ng august ung cert of sale sa RD.. pag gnun po ba may laban sila kung mgfile kmi ng eviction or writ of possession? Thanks – RJ

        Reply
          • Hi Sir Jay,
            Thank you so much for the advised. We are really interested with the property..and we also understand the consequence na pede pong umabot sa court ung gnitong kaso..willing nmn kming antayin ung 1 or more than a year n paglakad ng kaso..basta malaman nmin n kmi ung nsa katwiran..we will just take it n ung ggastusin sa court ay part ng nadiscount ni pagibg sa bahay(base po sa experience nyo the usual po ba lalampas po kaya ng 150K?)..ngpunta po kami sa pagibig at sabi buyer’s in good faith daw kami pagngkataon kasi sila nang ngbebenta ng bahay n clean title..ang tanong ko lang po..sila po ba (ung ng occupant ng haus /2nd owner) masasabing Buyer’s in god faith sila kung binentahan sila ng mayari ng rights pero nacquired n ni pagibg? Salamat po ng marami..

            Reply
            • Honestly, hindi pa kami nagkaroon ng propery na may kaso kasi umiiwas kami (kahit abogado misis ko), kaya hindi ko masasabi kung magkano gagastusin niyo.

              In my opinion, pareho kayong hindi buyer in good faith kasi pareho niyong alam na may issues yung property (yung occupant – alam nila na naforeclose na yan ng Pag-IBIG… kayo naman – alam niyong may illegal occupant).

              Reply
              • Hi Sir Jay,

                Thank you po sa insight.

                May nabasa po kasi ako sa isang kaso..na para mging in good faith ka sa “Registered” title ang pagbabasehan mo..which sa casse po anmin chincke po nmin sa RD at nkita nmin n nkcert of sale n nga sa pgibg sa annotation ng title ung property last 2014 pa natapos. eto po…

                In Cabuhat v. Court of Appeals, we said that it is well-settled that even if the procurement of a certificate of title was tainted with fraud and misrepresentation, such defective title may be the source of a completely legal and valid title in the hands of an innocent purchaser for value. Thus

                Where innocent third persons, relying on the correctness of the certificate of title thus issued, acquire rights over the property the court cannot disregard such rights and order the total cancellation of the certificate. The effect of such an outright cancellation would be to impair public confidence in the certificate of title, for everyone dealing with property registered under the Torrens system would have to inquire in every instance whether the title has been regularly or irregularly issued. This is contrary to the evident purpose of the law. Every person dealing with registered land may safely rely on the correctness of the certificate of title issued therefor and the law will in no way oblige him to go behind the certificate to determine the condition of the property.
                Hope this means we can consider ourselves as buyer in good faith as we have checked and rely on the correctness of TCT on RD office.
                More power to you Sir Jay ..We highly appreciated ung mga binbigay nyong advised thru that we are able to weigh the situation.
                Thanks po ulit.

                Reply
                • You’re welcome RJ., and thanks for sharing the details of that case. I suppose that’s the legal definition of a buyer in good faith.

                  Mine is more of how sellers look at it.

                  For example, if the bank says “Check niyo po muna yung property, huwag niyo bilin pag may problem kasi “as-is, where-is” po tayo”. Tapos sinabi ni buyer na “wala namang problema, hindi siya occupied, walang kaso, at walang problema sa title”. Yon ang buyer in good faith para sa kanila kasi nag due diligence naman sila ng maayos at walang nakitang problema, kay nila binili.
                  In contrast, pag si buyer eh sinabi “May problema yung title pero bibilhin ko pa rin…”. Most banks would say something like “Okay po, pero tandaan niyo na as-is where is po tayo. Huwag po kayo mag reklamo later…”. Kasi nga pag nagreklamo ang buyer later, baka sabihin ni bank “Eh alam niyo naman na may problem eh…”. So parang hindi in good faith and tingin nila doon sa example ko.

                  Anyway, tama po, timbangin niyo po ng mabuti bago kayo mag decide. Good luck RJ.

  209. Hello, interested ako dun sa property located at brgy sibul springs, san miguel, bulacan naka specify sya as agriland with title no: 258683, lot area is 1,775sq.m., for sale:20,000.00 available pa ba sya. Please let me know asap. Thank you.

    Reply
      • Hi sir jay! Tanong ko lang po.kc interesado po ako sa isang house sa cavite. Kaso ang sabi ng nakatira dun sila daw po ang signatory. Hndi ko po ba un mabibili? To cash? Kc hndi na nila nahuhulugan un at walang kiryente kc gumawa cla ng illegal kya tinanggal ng meralco.they need to pay for the penalty.pano ko po mabibili kung cla ang signatory and wala daw sila balak ipagbili? They have the right po ba or pwede ko iinquire sa bfs or pag ibig kung sino man may hawak sa bahay na un? Let me know asap

        Reply
        • Kung ako po ang tatanungin, iwas na lang po pag occupied ang isang property, marami naman pong iba diyan. Sakit sa ulo po pag tinuloy niyo ang pagbili, kaya mabuti na po ang umiwas.

          Reply
            • Sorry po, hindi ko na kayang sagutin kayo isa-isa… bale i-u-update ko po yung listahan sa taas para kita agad lahat ng Province, Cities/Municipalities ang included per auction, tapos download niyo na lang para ma-check. Kung Trece, under po yon ng Cavite. Sandali lang po, update ko lang, or pwede niyo i-download yung NCR listings, sa pagkakatanda ko, maraming Cavite dun. Thank you for understanding!

              Reply
      • hi sir jay, gusto ko po sana malaman kung kelan po ulit ang auction nyo sa pag ibig dito po sa laguna? at kung paano po ako makakabili ng property? thank you po sir.

        Reply
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