TMP Mark Agustin

RENT TO OWN 2BEDROOM UNIT‼️

10K DOWNPAYMENT!📣

✅ READY FOR OCCUPANCY🔑
✅ MABABANG MONTHLY
✅ MALAPIT SA MALL, CHURCH, SCHOOL AND HOSPITAL
✅ PET FRIENDLY
✅ FAST APPROVAL

No more waiting time
Reserve today, LIPAT AGAD!
1 Day Process lang at may unit kana!
Parang nag rerent, pero lifetime ownership‼️😱
Pm mo ko para ma assist kita 👌

We did it again! Congratulations to 8990 on being awarded Pag-IBIG Fund's Top Developer in NCR for the 1st Half of 2025!

Sobrang daming Pamilyang Pilipino ang natulungan na matupad ang pangarap magkaroon ng sariling property dito sa Metro Manila.

Decalidad, Affordable downpayment, Flexible monthly amortization at malilipatan agad? Urban Deca Homes yan! 💯

Beyond grateful for this profession 🙏

𝐎𝐖𝐍 𝐚 𝐂𝐎𝐌𝐌𝐄𝐑𝐂𝐈𝐀𝐋 𝐒𝐏𝐀𝐂𝐄 𝐢𝐧 𝐚 𝐭𝐡𝐫𝐢𝐯𝐢𝐧𝐠 𝐜𝐨𝐧𝐝𝐨 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲! 🏙️✨

Perfect for your dream business — café, laundry shop, salon, mini grocery, water refilling station, etc.

✓ BDO Bank Financing available
✓ 6 months equity
✓ Reservation fee: ₱15,000 only!

⚠️ LIMITED UNITS LEFT!

📩 For inquiries, computations, and site viewing schedules, message us or give us a call.

𝗕𝗮𝗸𝗶𝘁 𝗗𝗮𝗽𝗮𝘁 𝗠𝗼𝗻𝗴 𝗔𝗹𝗮𝗺𝗶𝗻 ’𝗧𝗼 𝗕𝗮𝗴𝗼 𝗞𝗮 𝗠𝗮𝗴-𝗹𝗼𝗮𝗻 𝘀𝗮 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗟𝗼𝗮𝗻 𝗻𝗴 𝗣𝗮𝗴-𝗜𝗯𝗶𝗴 𝗙𝘂𝗻𝗱

A few years ago, we finally took the big leap kumuha kami ng bahay sa isang subdivision through PAG-IBIG Housing Loan.

First home. Dream achieved.

Pero after a few months of paying our monthly amortization, napapaisip na ako…

“Bakit parang hindi gumagalaw yung utang namin?”

Kaya nagtanong ako directly sa PAG-IBIG office. At doon ko nalaman ang totoo. 💔

⸻

📌 MONTHLY AMORTIZATION BREAKDOWN…SURPRISING ’TO!

We were paying ₱14,930.21 every month.

I thought malaking part nun napupunta sa principal. Pero eto ang actual breakdown:
-₱11,979.17 – Interest
-₱235.80 – Fire Insurance
-₱360.00 – MRI (Mortgage Redemption Insurance)
-₱2,355.24 – Principal 😭

Yes. Out of almost ₱15,000, only ₱2K+ goes to the loan itself.
The rest? Sa tubo. Sa insurance. Sa charges.

⸻

Paano Kinocompute ang Interest?

Let’s break it down:
• ₱2.5M loan
• 5.75% annual interest
• Divided by 12 months

👉 ₱2,500,000 × 5.75% ÷ 12 = ₱11,979.17 Monthly Interest

Kaya pala ang tagal bago bumaba ng utang.

But here’s the good news: may paraan para pabilisin ’yan.

⸻

BAYARAN ANG PRINCIPAL, NOT JUST THE MONTHLY

If may extra cash, wag ka muna mag-upgrade ng phone. 😅
Go to the PAG-IBIG office, and say:

👉 “Direct to Principal Payment po.”

Example:
- Monthly due: ₱14,930.21
- Binayad mo: ₱50,000
- ₱14,930.21 = regular monthly payment
- ₱35,069.79 = goes straight to principal

Meaning, lumiliit ang utang mo. Mas maliit na interest next month. Mas mabilis mong matatapos ang loan.

⸻

🚫 DON’T DO THIS IN PAYMENT CENTERS

If you pay ₱50,000 sa Bayad Center, it will just cover the next few months’ dues.

No impact sa principal.

So yes, advance ka nga—pero mabagal pa rin ang bawas sa utang.

⸻

Always monitor your loan online via Virtual PAG-IBIG.
They don’t send monthly bills, so ikaw mismo ang dapat mag-track.

⸻

My Realization:

Pag hindi mo intindihin kung p

The BIR has extended the deadline for filing of applications for estate tax amnesty to June 16, 2025, from the previous cutoff of June 14.

READ MORE: https://inqnews.net/deadlineforestatetax

SOUNCE: INQUIRER.NET

The Home Development Mutual Fund, commonly known as Pag-IBIG, is extending its low interest rates for home loans until the end of the year amid an improved financial standing and to address the country's housing backlog.

SOURCE: Philippine Star

Baka may naghahanap po ng rent to own. studio, 1 bedroom and 2 bedroom, pre selling and rfo napo, prime location and Floodfree 🏡

Note: Limited unit na lang po
Kindly message me for actual viewing
Contact: 0915-285-4684
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