Bahay Pangarap

READY BUNGALOW (ATTACHED) – AVAILABLE NOW, FIRST COME FIRST SERVED! 🏡
🔶 Sofia Model
▪️ Lot Area: 96 sqm
▪️ Floor Area: 30 sqm
▪️ Bedrooms: 2
▪️ Bathroom: 1
▪️ Carport: 1
♦️ Available in Bare and Standard turnover
🏡 Lot-only units are also available with a minimum of 80 sqm, where you can build your own house design and choose your own contractor.
📌 Paradisimo located at Malainen Bago, Naic, Cavite
Amenities:
✨ Clubhouse
🏊 Swimming Pool
🏀 Basketball Court
🛝 Children's Playground
🔒 24/7 Security
Send us a message for inquiries 👇
Or call 09635037041

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

Kung kukuha ka ng housing loan, ito ang reality check: sa umpisa, halos interest muna ang binabayaran mo...kaya minsan feeling mo “bakit parang hindi nababawasan?”

1) 𝗔𝗻𝗼 𝗧𝗮𝗹𝗮𝗴𝗮 𝗔𝗻𝗴 𝗟𝗮𝗺𝗮𝗻𝗴 𝗻𝗴 𝗠𝗼𝗻𝘁𝗵𝗹𝘆 𝗔𝗺𝗼𝗿𝘁𝗶𝘇𝗮𝘁𝗶𝗼𝗻?

Example lang (para malinaw):

Monthly Amortization: ₱14,930.21

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, around ₱2.3K lang yung talagang bawas sa utang. Yung rest… charges + interest.

2) 𝗣𝗮𝗮𝗻𝗼 𝗞𝗶𝗻𝗼𝗰𝗼𝗺𝗽𝘂𝘁𝗲 𝗔𝗻𝗴 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁?

Simple version:

Loan: ₱2,500,000
Annual interest: 5.75%

Divide by 12 months

👉 ₱2,500,000 × 5.75% ÷ 12 = ₱11,979.17 (monthly interest)

Kaya sa start, malaki ang interest, maliit ang napupunta sa principal. Over time, bumababa ang interest at tumataas ang principal portion... pero mabagal kung regular payment lang.

3) 𝗚𝘂𝘀𝘁𝗼 𝗠𝗼 𝗕𝘂𝗺𝗶𝗹𝗶𝘀 𝗔𝗻𝗴 𝗣𝗮𝗴𝗯𝗮𝗯𝗮𝘄𝗮𝘀 𝗻𝗴 𝗨𝘁𝗮𝗻𝗴?

Bayaran ang principal, not just the monthly.

Kung may extra cash (bonus, sideline, 13th month), gawin mo ‘to:

Sabihin mo sa Pag-IBIG:

👉 “Direct to Principal Payment po.”

Example:

Monthly due: ₱14,930.21
Binayad mo: ₱50,000
₱14,930.21 = regular monthly
₱35,069.79 = derecho bawas sa principal

Result: liliit ang principal mo → liliit ang interest next months → bibilis matapos ang loan.

4) 𝗜𝘀𝗮𝗻𝗴 𝗖𝗼𝗺𝗺𝗼𝗻 𝗠𝗶𝘀𝘁𝗮𝗸𝗲: 𝗔𝗱𝘃𝗮𝗻𝗰𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗩𝘀 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 𝗣𝗮𝘆𝗺𝗲𝗻𝘁

Kapag nagbayad ka ng malaking amount sa payment centers, madalas ina-apply lang siya as advance payments (pang-cover ng next months).

Meaning: advance ka nga… pero hindi niya pinapabilis yung pagbawas ng principal the way a true principal payment does.

✅ Rule of thumb: Kung goal mo ay mas mabilis matapos, ask for principal payment via Pag-IBIG channels that specifically allow “direct to principal.” (Always confirm sa branch or official channels kasi procedures can vary.)

5) 𝗧𝗶𝗽: 𝗜-𝗺𝗼𝗻𝗶𝘁𝗼𝗿 𝗠𝗼 𝗬𝘂𝗻𝗴 𝗟𝗼𝗮𝗻 𝗠𝗼

Use Virtual PAG-IBIG to track:

- remaining balance
- payments posted
- principal vs interest movement

Kasi real talk: ikaw ang pinaka-best na billing reminder.

__________

My Realization: Pag hindi mo intindihin kung paano gumagana ang housing loan mo, years will pass… and you’ll wonder why you’re still paying a mountain of debt.

𝗗𝗼𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗽𝗮𝘆. 𝗣𝗮𝘆 𝘀𝗺𝗮𝗿𝘁.

Kung hindi mo alam paano gumagana ang loan, years can pass na same feeling pa rin: ang bigat, ang tagal.

Share mo ‘to sa friend mong first-time homeowner.
Para yung amortization nila, hindi lang “bayad”... bawas talaga.

God bless sa lahat ng may bahay pero may bayarin pa. Makaka-fully paid din tayo 🙏☝️