Want to buy Pag-IBIG foreclosed properties/acquired assets this 2025? Find out exactly how, details below.
Pag-IBIG Website Updated With Unified Acquired Assets Database of (As of July 29, 2025)
Last July 29, 2025, I noticed Pag-IBIG’s page for foreclosed properties/acquired assets had a major update. While this is a welcome development, I can’t help but feel frustrated when I tried searching for properties in my preferred location(s). Let me explain…
The Good
Let’s give credit where its due, this is a step in the right direction, and here are the things I like with this update:
1.All Pag-IBIG foreclosed properties and acquired assets are now in one database
- Since all properties are in a single database, you should be able to quickly find foreclosed properties in your preferred location (City).
- However this is limited because you won’t be able to search using specific keywords (for example, the name of your preferred subdivision). I discussed more about this under the “What needs improvement” section below.
2.Since this is a unified list of foreclosed properties, the tranche/batch numbers become less important.
- With so many schedules that include multiple batches/tranches, it can be overwhelming to keep track of them all. With all properties in one database, you can just ignore the batch/tranche numbers. Instead, just search based on location.
- I mentioned the tranche/batch numbers are less important, but they are still important… because they are still there, inside the listings! And having tranches/batches means you still have a very short period of acceptance of bids/offers, which are usually just 1 to 2 weeks. (I discussed more about this below). This means it is still a challenge to do proper due diligence when you find suitable properties because of limited time.
What needs improvement
I’m not bashing Pag-IBIG’s website, I sincerely want to help them improve it so that interested buyers can easily find properties in their preferred location, which would translate to more non-performing acquired assets getting disposed successfully. Here is a list of things they can improve:
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1.You cannot search using keywords (to find a specific village/subdivision/condo/barangay, etc)
- For example, you are searching for foreclosed properties in Micara (In Tanza, Cavite). At the moment, you cannot search using the keyword “micara”.
- This means you will have to search for Tanza, Cavite foreclosed properties, and then scroll through all properties on the list and see which are located in Micara.
- This is okay if there are only few properties in Tanza. But what if there were hundreds? Then you will have to scroll through all of them to see all properties in Micara.
- How to fix this – They can simply add a box where you can enter a keyword that is included when searching.
Please refer to a screenshot of the search function on Pag-IBIG’s website for your reference:
2.Too little time to do proper due diligence due to limited period of acceptance of bids/offers
- I noticed they still retained the usual 1 to 2 weeks period for acceptance of offers/bids for each batch/tranche
- This means that by the time you find a suitable property for you, you probably have only a few days left for proper due diligence.
- Keep in mind, you are buying real estate, which needs proper due diligence (can take weeks or even months to do). It’s not like we are buying a gadget at Lazada/Shopee where you can decide in a day and you’re also protected by a money back guaranty (foreclosed properties/acquired assets are for sale on an “As-is, Where-is” basis).
- Anyway, I believe that they have limited period for acceptance of offers/bids because they have so many batches/tranches and each will have their own schedule.
- How to fix this – I hope they would follow the process from other banks/government entities where they maintain one combined list with different contact persons and submission of bids/offers is on a monthly basis (this means no more multiple batches/tranches that have a very short period for acceptance of offers/bids).
3.You have to wait for a property to become part of a tranche/batch
- Since each Pag-IBIG batch/tranche has only a limited number of foreclosed properties, what happens to those that are not yet included with a batch/tranche? How about those that were not sold? For both, you can only hope that they will get included in the next batch/tranche. And there is no assurance that the next batch/tranche will include your target property since they limit the total number of properties to include. This can mean a very long wait.
- How to fix this – In contrast, other banks/government entities do it this way – They regularly conduct auctions/sealed biddings for newly foreclosed properties. Any property that remains unsold will be added to their list of properties for negotiated sale. They usually maintain only one big list that is for negotiated sale, which are all available anytime (no need to wait for the next batch). For me, this is a better process because you can expect all unsold properties to be available for sale.
4.You cannot share an individual listing from Pag-IBIG’s website
- With the current structure of Pag-IBIG’s website, each foreclosed property does not have its own unique web address called a uniform resource locator or URL. This means you cannot share a direct a link that will go to an individual foreclosed property listing. For real estate websites, I believe this is a very bad practice because there is no easy way to check the details of a property with a direct link.
- To verify this, go ahead, find a property on Pag-IBIG’s website and look at the address bar of your web browser. No matter which property it is you want to share, you will only see the same URL: https://www.pagibigfundservices.com/OnlinePublicAuction/
- How to fix this – This may sound like a major change because they will have to add a page for each listing. In reality, any content management system can do this programmatically.
- Since Pag-IBIG’s website does not currently have any keyword search function, combined with the lack of a URL for each listing, it would be very difficult to verify listings I share from Pag-IBIG’s website (you will have to search a location and scroll through all listings to find a target property). Because of this, I have decided to stop sharing listings from Pag-IBIG (see announcement below).
5.Too much unnecessary info required to search
- When I tried to search for properties in Tanza (Cavite), I had to guess which region Cavite was in and took several tries (Good thing I remembered Cavite is in CALABARZON but I felt like I was helping my daughter study for Araling Panlipunan… hehe), and then that’s the only time I can choose Tanza under City/Municipality. Is it really necessary to include the Region? I mean, does anyone actually think “Oh I want to find properties in Region 4A…“?! (See example screenshots below)
- For NCR, you have to choose which district a city belongs to before you can choose the city. I believe this is unnecessary. I mean, the district is not really important in my opinion (do you agree or disagree? Let me know in the comments).
- How to fix this – This is actually very easy, all they have to is to delete the “Region” field from the search form. For my NCR example, they can just remove all the districts and simply put NCR as the Province.
6.Too few properties per page in the search results
- After you manage to search for properties in your preferred City/Municipality, you will notice the search results only have 10 properties per page. This means if you have a lot of properties, you will have to load a lot of pages. This is okay if you only have few properties in the search results, but it can be frustrating if you have a lot of properties.
- For example, if there were 200 properties in Tanza under negotiated sale, you will have to load 20 pages to see all of them.
- How to fix this – They just have to increase the number of listings per page, which can easily get done.
7.You cannot sort the search results
- Since each page of the search results only has 10 properties, it would make sense to have the ability to sort them so only those that fit your needs are shown first.
- For example, if you only want to see properties with a selling price that’s below 1M, you should be able to sort with cheapest properties first.
- Another example, you want to see the newest listings (which should mean you’ll have more time to do proper due diligence) you should be able to sort with newest listings first (or just have an option to sort according to the period of submission of bids/offers).
- How to fix this – They would have to customize their search form to include a sort function for search results. Any competent web/database developer should be able to do this.
8.Search results have 3 separate tabs (1st auction, 2nd Auction, Negotiated Sale)
- This adds another layer of complexity because you will have to click on each tab and scroll through all the listings to see all properties available. I believe it would be better if the search results would all be in a single tab for faster searching (and then they can just show info if a list is for 1st or 2nd auction, or under negotiated sale).
- How to fix this – This is very easy to fix, just point all search results to a single tab, and add the tranche/batch info on the listing details.
9.Search results appear to have too few properties (a bug?)
- I just tried searching for properties in Quezon City, and noticed there were ZERO properties for 1st/2nd auction, I only found properties under negotiated sale. For me, this is hard to believe and I suspect there is something wrong or there is a bug in their search function.
- How to fix this – Again, any competent web/database developer should be able to troubleshoot and fix this.
10.You cannot share search results
- Even search results on Pag-IBIG’s website do not have any unique web address or URL. This means you cannot share search results. Perhaps this is the most annoying problem with their website. Sure, you can get a screenshot and share that. But if you want to verify and see the list of properties on Pag-IBIG’s website, you have to go through all the steps to do the search yourself (there is no direct link to the search results that can be shared).
- How to fix this – They will have to point search results to a unique web address or URL, which would include data that influences the search results (again, any competent web/database developer should be able to do this)
Note: My update with regard to Pag-IBIG’s updated website is a work in progress. I will continue to update this as the days go by.
Important Announcement: I will no longer share Pag-IBIG listings
Because of how difficult it would be to verify a listing from Pag-IBIG (as explained above), I have decided to stop sharing listings from Pag-IBIG.
In the past, it was easy to verify a listing (you can check the PDF list from Pag-IBIG’s website, or you can search for the property using the keyword search or the ROPA ID within Pag-IBIG’s website). But these no longer work with the latest updates on Pag-IBIG’s website.
Since any Pag-IBIG listings I share will be hard to verify, I will have to stop sharing listings from Pag-IBIG.
I have finished deleting all Pag-IBIG listings inside my foreclosed real estate database.
Actually, this has been at the back of my mind for awhile because of how hard it is to keep up with new schedules/batches/tranches.
And I believe this is the perfect time to move-on. For me, it actually feels like a big burden has been lifted. 🙂
And now I will have more time to upgrade my database, start my own real estate brokerage team, and also focus more on my online training. 🙂
Don’t worry, I will still share weekly tips and information about Pag-IBIG foreclosed properties, and I’ll regularly update this page to reflect the changes on Pag-IBIG’s website that I will find.
Here’s a direct link to the foreclosed properties/acquired assets page on Pag-IBIG’s website:
https://www.pagibigfundservices.com/OnlinePublicAuction/
~Jay Castillo~
Online Public Auction – Buying Foreclosed Properties Just Got Easier (Now Includes Negotiated Sale)!
Pag-IBIG has officially launched the Online Public Auction (OPA) for their foreclosed properties/acquired assets.
This means there is now a more convenient way to submit bids/offers, no need to visit their branches or send via courier.
Please take note of the updated buying procedure in the Invitation To Bid/Guidelines for each tranche.
The same online facility can also be used to submit offers for properties under negotiated sale.
More info about the Pag-IBIG Online Public Auction system/platform can be found here:
=> Pag-IBIG Online Public Auction – Everything You Need To Know
How to participate in a Pag-IBIG Online Public Auction for acquired assets
Here’s a quick overview/summary of the buying process via Online Public Auction:
1. View the list of Pag-IBIG foreclosed properties for sale included in the auction and identify the property or properties you are interested in. Take note of the PROPERTY NUMBER.
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.
4. Register for the Online Public Auction – Bidders are required to register online on this page (also includes requirements):
==> https://www.pagibigfundservices.com/OnlinePublicAuction/Registration/RequirementsView
For more info, you may visit my article Pag-IBIG Online Public Auction – Everything You Need To Know (So Far)
5. Submit sealed bid – As I write this, there are 2 ways bidders can submit their bids online:
- Go to Pag-IBIG’s official website: https://www.pagibigfundservices.com/OnlinePublicAuction/ and go to the tranche with your target property. Search for your target property using the PROPERTY NUMBER of your target property as listed above and then click the “Submit Offer” button and follow instructions. Bidders can only submit bids during the duration of acceptance of bids (The “Submit Offer” button will NOT be available before/after the period of acceptance of offers)
- Go to Pag-IBIG’s Property Finder Page: https://www.pagibigfundservices.com/OnlinePublicAuction/ListofProperties/PropertyFinder. In the drop-down under “Search By”, choose ROPA ID and enter the PROPERTY NUMBER of your target property as listed above and click the “Search” button. You will see details of your target property with the “Submit Offer” button. Click the “Submit Offer” button and follow instructions. Bidders can only submit bids during the duration of acceptance of bids (The “Submit Offer” button will NOT be available before/after the period of acceptance of offers).
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 a DOWNPAYMENT equivalent to five percent (5%) of the BID OFFER, which shall be paid within five (5) working days from the receipt of notification. It shall be in Philippine Currency and may be in the form of cash or manager’s check payable to Pag-lBIG Fund.”
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
Note: They now have a “hybrid” procedure for buying via negotiated sale. This is through online submission of bids, and also through the old manual submission process. See details below.
1. Online submission of offers now available for Pag-IBIG Foreclosed Properties For Negotiated Sale
I noticed that starting last May 2025, the latest batches for negotiated sale already has a “Hybrid” implementation.
This means interested buyers can now submit offers online (similar to how to submit bids using Pag-IBIG’s Online Public Auction), while still allowing the manual submission of offers.
For example, here’s an excerpt from Batch # 15259 Invitation to submit offer:
“Online Submission of Offers
4.1. Online submission of offers will be implemented for Retail Sale.
4.2. Interested buyers must register at the Pag-IBIG Fund website to get the Buyer ID needed to submit an offer. For those already with Buyer ID, no registration is required. The registration will require one (1) valid ID of the buyer (if individual buyer) or authorized representative (if company/corporation). The Buyer ID shall be issued three (3) working days from date of registration. Hence, registration must be done at least three (3) working days prior to the cut-off date of acceptance of offers.
4.3. From 12:00 a.m. on May 20, 2025, to 11:59 p.m. on May 24, 2025, the buyer shall enter his/her/its offer for the property at the Pag-IBIG Fund Acquired Assets page in the Pag-IBIG Fund website.
4.4. The buyer, using the Buyer ID may view the Status Tracker on Acquired Assets Webpage at the
Pag-IBIG Fund website.”
2. Manual submission of offers under negotiated sale is still accepted (as seen in Batch # 15262)
Here’s a screenshot of the guidelines for batch # 15262:
It states:
“Retail Sale buyers are encouraged to use the online facility in submitting their offers. However, they can still submit their offers manually through dropbox”
Source: Pag-IBIG invitation to submit offer to purchase for batch 15262
To explain how to submit offers via manual submission, I uploaded a step-by-step video tutorial in youtube, see below to watch:
Step-by-step tutorial video
Click to watch video in Youtube ==> How to buy/avail Pag-IBIG acquired assets/foreclosed properties under negotiated sale (Step-by-step tutorial)
Step-By-Step guidelines
To view the latest step by step guidelines from Pag-IBIG, see them all at this page:
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
- Real Estate Brokers/Agents are NOT allowed to sell Pag-IBIG foreclosed properties
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.
Also, if you buy an occupied property, there is a risk that the occupant will cannibalize/vandalize the property, just like this one: Occupied Pag-IBIG acquired asset cannibalized/vandalized by ex-owner
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.
Other things to consider
Here’s one tip I want to share. If you buy a property from Pag-IBIG, and you are already authorized to move-in, make sure to move-in and take possession as soon as possible.
This will help you avoid the problem encountered by an OFW who cannot move-in to the Pag-IBIG foreclosed property they purchased.
They cannot move-in because Pag-IBIG turned over the property to another buyer. Watch the video for details.
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 Pag-IBIG foreclosed properties 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)
Here’s another example of what can happen if you decide to buy an occupied property from Pag-IBIG: Pag-IBIG Acquired Asset still occupied after buyer pays monthly amortization for 1 year
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. Details are explained here: Real Estate Brokers/Salesperson are not allowed to sell Pag-IBIG properties
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.
Read: Pag-IBIG Acquired Assets: For Title Consolidation Meaning (Safe To Buy?)
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
- Pag-IBIG official website. Pag-IBIG Fund. As retrieved on August 3, 2025
- Steps to Purchase Acquired Assets. Pag-IBIG Fund. As retrieved on July 15, 2020
- 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 from over 30,000 Foreclosed Properties in the Philippines
To quickly search for available foreclosed properties FROM MULTIPLE BANKS/GOVERNMENT INSTITUTIONS in your preferred location/ village/ subdivision etc., use our Foreclosed Properties Search or FPS tool below (includes other banks/government institutions in our database).
Step-by-step instructions:
- Search by typing keywords Ex. Your preferred subdivision, village, condo, property source, and/or location(s), etc. and click “Search”. To only include properties from BFS, include the keyword “bfs”.
- Use “Advanced Search” to choose preferred price range, lot/floor areas (if data is available), and also to exclude those classified as occupied/no possession.
- If you want to view all listings regardless of the source, then don’t enter any keywords related to the property source. Example, if you want to find and compare ALL foreclosed properties then do not use the “bfs” keyword when searching, and then you will find ALL properties in our database, not just those from BFS.
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.
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
Hi AR,
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”
Ok thank you sir..
Welcome po!
Hi po, confirm ko lang, ung amount dun is 10% ng Net SRP, so kung ung worth 200k is 2M po ung total amount? Thanks
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. ”
Hi po, confirm ko lang, ung amount na nkapost is 10% of selling price, so ung work 200k dun is 2M ung whole amount? Thanks po
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.
Pwede pong yung capacity to pay ay hindi kaya. Usually dapat ang monthly amortization hindi tataas sa 40% ng monthly income ng borrower.
hi po sir hanggang kelan po ito bidding na ito?? incase d kami maka bid on time pede po ba kami punta direct sa pag ibig office to check?? please advise po pra samin nsa iba bansa po. thank you – misyel_ilaw@yahoo.com
Bale yung deadline po ng submission ng sealed bids per auction ay yung date na nakalagay sa taas (bandang kaliwa).
Yes po, direct na kayo sa Pag-IBIG para malamn kung available pa ang isang property after ng bidding. Pwede niyo rin po i-check sa website ng Pag-IBIG dun sa properties for negotiated sale: http://www.pagibigfund.gov.ph/aa/search.aspx
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..
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. “
You’re welcome at salamat din po! Yes po, pag may updated auction schedule, share po namin dito.
Can I avail a housing loan even I stopped my contribution last year but I continued it now? Thanks
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.
Hi sir jay, anu ibig sabihin ng occupied- occupant undisclosed for title consolidation? Salamat po
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.
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!
Bale ang loan amount po ay depende sa appraised value. For example po, ang usual ay 70% or 80% ng appraised value ang pwedeng i-loan.
hindi po pwedeng taasan ung loan sir sa appraised value?
Hindi po eh, kailangan po talaga may tinatawag na “equity”, yun po yung pinaka downpayment niyo.
PANO PO KAMI MAKAKAPAG AVAIL ABROAD? CNO PEDE MAG ASIKASO, PLEASE SEND ME REQUIREMENTS & DETAILS THROUGH MY EMAIL ACCOUNT. maricelmicu@gmail.com
Dapat po may tagalakad kayo at SPA. Sorry po, hindi kami broker ng foreclosed properties. Hanap na lang po kayo ng broker na pwedeng mag-assist sa inyo, may listahan ang Pag-IBIG sa page na ito: http://www.pagibigfund.gov.ph/aa/
meron po ba sa paranaque?
Sorry po, hindi ko na kayang sagutin kayo isa-isa, i-u-update ko na lang yung listahan sa taas para kita agad yung Province/Cities/Municipalities. Thank you for understanding.
Hi Sir Jay, I am an active contributor of Pag ibig, do you have available rent to owned or house and for auction in the Legazpi City area? Hope your reply. Thank you
My email is sartohv@yahoo.com. Thanks again
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!
Where can I see the list and buy low cost agricultural lands in the Philippines?
So far here are the cheapest vacant lots in our database, but I’m not sure of the classification (if these are agricultiural):
https://goo.gl/NwzFfd
meron po ba available sa Mabuhay City subd paliparan 3 dasma cavite..
awaiting for your 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!
sir jay
paano ko malalaman kung pwede nako kumahua ng housing loan?
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.
Gud day meron po foreclosed house and lot dito sa legazpi city albay? Please reply tnx
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!
Dear Sir Jay,
Mayrun po ba kayo foreclosed lot las pinas area,?
Thank You,
Alex
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!
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…
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)
Hi sir jay, ask ko LNG po LNG my foreclosed po dito sa molino bacoor cavite. Tnx
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!
Hello Sir Jay, how about in Cagayan de Oro City?
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!
Sir may properties po sa ilocos sur banda?
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!
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
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.
Good morning po ask ko lang po kung kelan mag auction ang DBP? Thanks po.
Wala pa po akong nakita na schedule as of now. Pag may nakita kami, share din namin dito sa blog/facebook.
do you have foreclosed condos in makati?
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!
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 🙁
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.
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!
Since it’s from Pag-IBIG, there’s nothing much you can do as they will just ask you to wait.
My suggestion, get one of their accredited brokers to assist you and monitor the availability of your target property. The list of accredited brokers can be found on this page at the official pag-ibig website: http://www.pagibigfund.gov.ph/aa/
Sir kelan po auction nio for ncr and laguna..
Included po sa taas, paki check na lang po. Thanks.
Sir kelan po auction nio for manila can you send me your listings..
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!
meron po sa laguna?
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!
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
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!
Hi Sir, is there any foreclosure houses offerings located in Antipolo? Thanks Sir!
Regards,
Jen
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!
How about foreclosure property in valenzuela?
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!
how about in bulacan? particularly sir in guiguinto / malolos thanks
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!
sir jay Car laon meron po ba sa Paag-ibig?
Hi Ryan, sa pagkakaalam ko hindi pa nag-o-offer ang Pag-IBIG ng car loans.
any listings in marikina?
From Pag-IBIG, there are none from Marikina as of October 10, 2016, both for public auction and for negotiated sale.
Do you you have a lists for Samar/Leyte Sir?
Sorry po, from Pag-IBIG, there are none from Samar/Leyte as of October 10, 2016, both for public auction and for negotiated sale.
sir wala pong Mati
Sorry po, walang akong nakita from Mati (Davao Oriental) from Pag-IBIG as of October 10, 2016, both scheduled for public auction and negotiated sale.
how-about-in-lipa-city?
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.
Hi sir, do u have a list of for closure in cebu?
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”
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…
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.
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..
Hello po, yung requirements po nasa invitation to bid, paki download na lang po.
Sorry po, hindi po ako authorized mag bigay ng sample computation ng Pag-IBIG, accredited brokers lang po or taga pag-IBIG ang pwede. Pwede niyo po try mag compute gamit ang amortization calculator ng Pag-IBIG. Eto po yung link: http://www.pagibigfund.gov.ph/amort
Advice ko po ay dapat may maka-attend ng seminar ng Pag-IBIG, required din po yon sa gusto kumuha ng housing loan, pwedeng tiyempo niyo sa pag-uwi niyo, or ipa-attend niyo kamaganak niyo.
thank you so much Sir…
Your welcome po!
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
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.
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
Hi Andrian, I’m sorry to hear your situation. Pero kung within redemption period, may karapatan pa po kayo. Nag lapse na po ba yung redemption period?
Sir mayron po ba dumaguete negros oriental? Please send to my email gilfacturan80@gmail.com thank you
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!
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…
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.
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..
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.
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.
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.
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..
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.
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
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.
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
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.
Maraming salamat po sir malaking tulong nyo po sa pagsagot ng katunungan ko.Godbless po
Welcome po!
Sir follow up lang po. Assuming na naideal na yung Unit ng seller at buyer at na-iverify ko na sya talaga yung may -ari or shall we say sa bibilin mo sa kamag anak yung Unit, If may SPA na at na ituloy ko na yung monthly at full payment na. SPA ang pang laban ko sa korte sakaling ayaw nilang ibigay yung title? Please help sa Gray area. Thanks.
As long as genuine yung SPA, yes po. Mas maganda po magconsulta na din kayo sa abogado para yung contrata niyo ay mas kumpleto ang wording at mas protektado kayo.
Hi Sir Jay..natanggap nyo po ba ung pinost ko ditto kahapon? T.A
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
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.
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
Hi RJ, may laban sila in a way kasi hawak nila yung property, pero siyempre kayo ang nasa katwiran. Kung ako po ang nasa lugar niyo, iwas na lang po.
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..
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).
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.
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.
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.
Please contact the person-in-charge directly, as indicated in the invitation to bid. Thank you.
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
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.
hello po sir inquiry lang po ng mga for foreclosed na bahay sa Brgy De oCampo Trece Martires City.
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!
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.
Hi Elmer, marami po sa Laguna for auction sa October 11, 12, 26, 27. Makikita at mada-download niyo po sa taas. Kasam po sa listahan ang bidding guidelines.