Santa Monica Estate Residences In Tisa Labangon Cebu City,

24/02/2021

Psalm 62:1-2
"In Christ alone my hope is found; He is my light, my strength, my song; This cornerstone, this solid ground, Firm through the fiercest drought and storm.

🌤️🌤️Good morning and God bless you.🙏🙏

12/02/2020

The Difference between the Certificate of Title versus Tax Declaration in the Philippines

CERTIFICATE OF TITLE
1. A document evidencing a right of ownership to a property
2. A document that attest to the fact that the person named is the owner of the property described therein subject to liens and encumbrances noted on it
3. It is registered with the Register of Deeds of the province or city where the land is located
4.The Certificate of Title is indefeasible and imprescriptible
5. All claims to the land are quieted upon issuance of this document
6. Recorded with the Register of Deeds of the municipality, city, or province where the land is located.

TAX DECLARATION
1. A document that show good sign of possession only in the concept of owner, not ownership
2. Not conclusive evidence of ownership to property, but only a proof of payment of realty taxes
3. Recorded with the Assessor’s Office of every municipality or city where the land is located

Ang pagmamay-ari ng lupa ay napapatunayan sa pamamagitan na hawak na titulo na kung tawagin ay ang Transfer Certificate of Title (TCT) o Condominium Certificate of Title (CCT). Ayon sa maraming Supreme Court decisions “the best proof of ownership of a piece of land is the Certificate of Title” (Halili vs. Court of Industrial Relations, 257 SCRA 174 [1996]). Ito ang tinatawag na titulo ng lupa at wala nang iba pa.

Ang "tax declaration ay hindi titulo ng lupa. Maraming Supreme Court decision din ang nagsasabi na "Tax declarations and receipts are not conclusive evidence of ownership. At most, they constitute mere prima facie proof of ownership of the property for which taxes have been paid. In the absence of actual, public and adverse possession, the declaration of the land for tax purposes does not prove ownership." Ibig sabihin nito na ang tax declaration ay hindi siguradong ebidensiya ng pagmamay-ari ng lupa. While tax declarations and receipts are not conclusive evidence of ownership and do not prove title to the land.

Ang tax declaration ay pwedeng i-apply para maging titulo. May dalawang pamamaraan ng pagpaparehistro ng lupa, ito ay ang sumusunod:

1. Judicial Proceeding – kung saan kinakailangan ninyong magfile ng petisyon para sa registration sa korte.

2. Administrative Proceeding –ito ay pamamaraan kung saan mag-file ng application para sa “Homestead Patent” sa DENR at ang registration ng patent na ito ang magiging batayan para sa pag-isyu ng Original Certificate of Title alinsunod sa Commonwealth Act 141 o ang “THE PUBLIC LAND ACT”.

21/10/2019

- Every person, every couple has to have at least 1 property of his own. Why? So when he reach 60yrs old that is 25yrs from now if today he is 35yrs old the actual value of a property worth 2million (9,100/month through Pag ibig Housing Loan Program) will become 96million or even if lets say he will sell that soon for only 70million that is still a huge amount of money compared to expecting and relying too much on 1 or 2million retirement benefits. 70million or 96million is already a well enough for us to spend and enjoy our remaining days with ourselves, with our wife. Let us not depend on our children because we don't what their future holds.

Be responsible and take charge for your own life and being a husband or being a wife.

Retire rich with more out from your disciplined and small savings. Always remember you are only paying during downpayment period after that the property can pay off itself. Real estate properties are assets not liabilities. Pay in Pag ibig for 9,100/month and have it rented for 18k/month furnished or unfurnished.


Your Licensed Realtor @ your service.

07/10/2018

PAG-IBIG / BANK FINANCING
To all who are planning to avail a housing/condo loan thru PAG-IBIG FINANCING (HDMF) or BANK FINANCING.

"You are 100% approved if you can just submit these ff. requirements. So don't worry if you are still paying the equity/downpayment for how many months, it is one of the requirements to pay first the equity before the Pagibig/bank letter of guarantee or approval will be released".

✔List of Requirements:

Employees:

1. 2 Valid ID's photocopy with 3 specimen signature
2. Latest 3months payslips
3. 4 pcs 1x1 id picture white background
4.TIN No.
5. Job contract(OFW)
6. Certificate of Employment and Compensation(Locally employed)
7. Birth Cert./Marriage contract(if married)
8. Proof of Billing(Water or electric bills)

Online Business:
1. Paypal/Bank Statement for 6months
2. Certificate of Employment.

Businessmen:
1.Business Permit( Mayor's Permit)
2.Updated Income Tax Return (ITR)
3.Audited Financial Statement
4.Bank Statement for 6 months
5.DTI or SEC REGISTER

✔ Note: Basis for 100% Approval

1. Salary requirements computation.
Income Requirements Formula:
Montly amortization / 0.30 (30%)= Gross monthly income required (combined income up to 3 co-borrower)

2. No foreclosed housing loan before

If your planning to avail housing loan please contact me directly for faster transaction.

For more Info | Site Visit | Reservation | Computation | Free Processing Assistance.
Please contact me directly

Lilibeth Piañar Albarracin
Broker Coordinator/Property Adviser
@ Bachelor's Realty & Brokerage, Inc.

PRC Lic #:0014187
HLURB CVR #:15080

📞Globe #:(0956) 621 9139
📞Sun #/Viber #: (0943) 425 6434
📞PLDT #:(032)516-2334
Email add:[email protected]

To God be the Glory...

19/09/2018

THE GREATEST FINANCIAL FORMULA.

Many of us already know the financial formula that can make us financially free and that is:

Income - SAVINGS - Emergency Fund = EXPENSES

However, many of us also do not know which investment vehicle will we put our SAVINGS that can give us the MAXIMUM RETURN.

We have 3 OPTIONS:

OPTION #1: (2M Savings)
Put in a piggy bank
After 5 Years the value is still 2M

OPTION #2 (2M Savings)
Put in a Time Deposit @ 1.5% interest rate.
After 5 years the value of your 2M savings is Php 2,150,00.00 including interest.

OPTION #3 (2M Savings)
Put in Mutual Funds/VUL/Stocks/Bonds/Equities @ 27.5% interest rate of return on investment in the past 5 years.
After 5 years the value of your 2M will be Php 2,550,000.00 including ROI.

OPTION #4 (11k installment of 2M worth of property for 30 years)
Potential Return on Investment.
1. Appreciation of Property Value @ 20% per year your 2M worth of property will become Php 4,000,000.00 after 5 years.
2.Total Rental Income for 5 years at 18,000/month is Php 1,080,00.00
Value Appreciation + Rental Income =Php 5,080,000.00 (after 5 Years)

Option #4 shows that you dont need 2 million to earn 5M in 5 years. You just need 11k savings for the monthly ammortization of your 2M property and have it rented.

Be wise, choose the investment vehicle that will make your savings GROW FASTER.

If you want to invest in real estate properties (House and lot and Condo), contact 09434256434

07/09/2018

UPDATE: The ongoing massive construction of the Third Bridge or the "Cebu-Cordova Link Expressway or CCLEX..

Photos by Romanslersfotos

07/03/2018

PROMO! PROMO! PROMO!

👉50% Downpayment MOVE-IN AGAD
👉As low as 9,955/month only
👉5 min.going to Ferry Boat Pier/Terminal

1 ride going to:

✅Mactan Airport
✅Opon Church
✅Opon Market
✅Sm City Cebu
✅Gaisano Mactan and Lapulapu

Call Beth 09434256434.

07/03/2018

House & Lot in Lapu-lapu near 3rd bridge.
As low as 10,125/month in PAGIBIG.

Pm for more details
Schedule a site visit & model unit viewing NOW!

07/03/2018

http://news.abs-cbn.com/business/03/01/18/interes-sa-pautang-sa-pabahay-ibinaba-ng-pag-ibig

Ayon sa Pag-IBIG, ibinaba nila ang interes para lalo pang mahikayat ang mga Pilipino na kumuha ng sariling bahay sa pamamagitan ng pautang ng ahensiya.

07/03/2018

Before...

Ingon-ani ka paspas momahal ang mga balay:
😊• 2013 = 950k (Haniyyah 1 Subd along highway)
• 5k/month

Now......

😊• 2018 = 1.9million (Amberly Homes 300meters gikan sa highway)
• 10k/month

Parehas rana sila 40sqm ang lot area. Ni x2 ang price 5yrs pa lang ang nilipas.

Ikaw kanus a ka palit? 5yrs from now mahimo na sad na 2.9million niya tag 16k/month na unya 40sqm ra gihapon ang yuta mas layo pa.

Invest Now!!