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COPYRIGHT

As per Republic Act No. 8293, Section 172:
“Original work” refers to every production in the literary, scientific and
artistic domain. Among the literary and artistic works enumerated in the
INTELLECTUAL PROPERTY CODE OF THE PHILIPPINES includes books and other
writings, musical works, films, paintings and other works, and computer

programs.

Works are “protected” by the sole fact of their creation, irrespective of their
mode or form of expression, as well as their content, quality and purpose. Thus,
it does not matter if, in the eyes of some critics, a certain work has little artistic

value. So long as it has been independently created and has a minimum of
creativity, the same enjoys copyright protection.

WHAT is copyright INFRINGEMENT?

Copyright infringement consists in infringing any right secured or protected
under the Code. It may also consist in aiding or abetting such infringement. The
law also provides for the liability of a person who at the time when copyright
subsists in a work has in his possession an article which he knows, or ought to
know, to be an infringing copy of the work for the purpose of:

 Selling or letting for hire, or by way of trade offering or
exposing for sale or hire, the article;

 Distributing the article for the purpose of trade, or for any
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All Rights Reserved © 2018

No part of this book/copy/material may be SOLD, REPRODUCED or TRANSMITTED in any forms, in any
means, either in graphic, electronic, mechanical, etc., without the sole permission of the publisher/author whose

signature affix below.

The material you are now reading is legally bonding in nature and is protected by the governing IP Law of
the Philippines by virtue of the Republic Act No. 8293. Any proven VIOLATION made herewith is subject to criminal

liabilities and is punishable to fullest extent of the law.

KEVIN-IAN B. CANONO
Author

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WHAT’S INSIDE?

 Acknowledgement
 Words from the Master
 About the Author

 Chapter 1: Learn the BASICS
1A. Why many Filipinos do not their own houses yet?
1B. Why you should get a HOUSE now? (and not TOMORROW)
1C. What is PAGIBIG ACQUIRED ASSETS?
1D. PAGIBIG ACQUIRED ASSSETS vs Developer Assisted Units?
1E. Pros and Cons of availing a unit through PAGIBIG ACQUIRED ASSSETS
1F. PAGIBIG HOUSING LOAN REQUIREMENTS/ELIGIBILITY

 Chapter 2: Let’s BEGIN your journey!
The HOMEWORK
2A. Where to Begin
2B. PAGIBIG ACQUIRED ASSETS Website Explained
2C. Negotiated Sale 101
2D. Why the BASIC Steps Found in Google Could Cost You A LOT?
2E. The “Great” “Good” and “Bad” Tomatoes

 Chapter 3: Now Let’s MOVE!
The FIELDWORK
3A. House Inspection 101
 Plan Ahead Wisely
 Be Equipped
 Do’s and Don’ts During House Inspection
3B. Why Focus on Your “TARGET” Units

 Chapter 4: All the Way to SHAW BOULEVARD
4A. Be 100% Prepared
4B. Things to Bring
4C. What to Consider
4D. The Process
4E. CONGRATULATIONS!

BONUS!! BONUS!! BONUS!!

(THE MASTER’S KEY TO YOUR SUCCESS)

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For,
Yoana Idelle (my little angel), Yaffa Ianelle (my valedictorian),
and Mommy Rochelle Lane (my forever)… who’ve been the complete

source of my inspiration, admiration and goal in life to strive even harder each
day no matter what.

CC… our “PusPin” who runs like crazy every time freed outside her cage.
Ms. Laleine C. Endaya (Acquired Assets Officer I)… the ideal Public

Servant who never got tired answering and addressing all my calls, emails and
series of repeated queries about the PAGIBIG Acquired Assets.

Mr. Oliver F. Canigan (Acquired Assets Officer)… the Man with the

GOLDEN HEART who never doubted and spared substantial amount of money
to a complete stranger like me during my Submission of Requirements when I
had no extra money that day.

And of course,
Our Almighty Lord… for the love, blessings and wonders.

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WORDS FROM THE MASTER

First of all, I would like to sincerely THANK you for believing, entrusting and getting yourself a copy
this book. With this, I will SHARE to you ALL the details, information, valuable TIPS and most important
TRICKS that you need to know for you to EFFICIENTLY and EFFECTIVELY get that DREAM home through
the PAG-IBIG ACQUIRED ASSETS program.

(Note: The TIPS and TRICKS written here are the PROVEN ways on how to do “it” based from my
personal experience when I got myself into the same process a few months ago before I was officially granted
with my DREAM last February. These TIPS and TRICKS will SURELY save you a lot of time, effort, false hopes,
and of course, MONEY that most first-timers [that includes me back then] fell themselves into when they
tried getting a house through PAGIBIG ACQUIRED ASSETS without having first-hand insights aside from
those they can find using Google)

Remember, please spend ample amount of time to READ, ANALYZE and STUDY every word written
in this book because I GUARANTEE you… you will be SO excited to get to the PAGIBIG Acquired Assets
Office in Shaw Boulevard to reserve a home AFTER YOU FINISH READING this ebook!

AIM, PLAN CAREFULLY, and PRAY HARD TO GET THAT DREAM HOUSE because YOU CAN!

May God bless your journey of finding a HOME!

[Photocredit: vecteezy.com]

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ABOUT THE AUTHOR

Kevin-Ian B. Canono, the “Master”, is a registered PWD (person with disability), a proud-to-be former
Tricycle driver who spent eight (8) long years in High School before finally finishing his Bachelor of Science in
Marketing Degree at the University of Makati in 2013, at the late age of 26.

Also, he is a multi-awarded literary/creative writer (2nd Prize “Profile Writing Contest 2012” c/o
Pimentel Institute for Leadership and Governance; 1ST Prize “2013 Essay Writing Contest” c/o Global Peace
Foundation ; Monthly Winner “Dream House Challenge-Writing Contest” c/o Property Company of Friends
Inc.; Winner “Happiest Christmas Moment Writing Contest” c/o TV5 Network) and a proud Civil Service
Examination passer for both Sub Professional and Professional Level.

His first shot of employment comes at the De La Salle University- Dasmariñas as an Office Assistant
before transferring to SPi Global as Production Editor—Supervisor I. Today, he works as a Fulltime
WRITER/COPYWRITER in a private firm and is enjoying the rest of his FATHERHOOD with his ever lovely
wife, Rochelle Lane Canono and two cute little angels, Yaffa Ianelle and Yoana Idelle.

Because of a long time DREAM of securing his own crib, he worked all his way from the pale bottom
to the top before having a house through PAGIBIG ACQUIRED ASSETS that he now calls HOME.

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Chapter 1:
Learn the BASICS

[Photocredit: dreamstime.com]

1A. Why Many Filipinos Do Not Have Their Own Houses Yet?
1B. Why You Should Get a HOUSE Now? (and not TOMORROW)
1C. What is PAGIBIG ACQUIRED ASSETS?
1D. PAGIBIG ACQUIRED ASSSETS vs Developer Assisted Units?
1E. Pros and Cons of Availing a Unit via PAGIBIG ACQUIRED
ASSSETS
1F. PAGIBIG HOUSING LOAN REQUIREMENTS/ELIGIBILITY

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Why Many Filipinos Do Not Have Their Own Houses Yet?

If you are reading this by now for the first time, it is most likely that you are one of those
Filipinos that I mentioned on the headliner. You have to agree with me, having your own home is a
goal you and every parent or individual has been aiming of since we are in our childhood days. Easy
as it may sounds, but acquiring your own home could be a tough nut to crack because of different
factors.

According to a representative study conducted by Zipmatch.com about home ownership, the
following factors contribute to why more and more Filipinos do not settle for own homes:

41% – No savings for a deposit
32% – I am not sure If I’m fInancIally capable
21% – Don’t make enough money
20% – Buying a home is not a priority
12% – Will get married first
12% – haven’t founD my Dream home
10% – I want to buy a house in the province, but I currently work in
the city
7% – I have no knowleDge of what’s avaIlable In the market
2% – I am comfortable lIvIng at my parent’s home
2% – I am intimidated by the home buying process
2% – I may become an overseas foreign worker
As you can see in the data shown, the TOP REASON why Filipinos are getting afraid of buying a
house is because of having not enough SAVINGS to be used for DEPOSITS (41%) followed by the uncertainty
if they are financially capable of acquiring a house (32%).

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Before I learned about the “BETTER” way of buying a home through the PAGIBIG ACQUIRED
ASSETS program, I have to admit that I also had the same dilemma being reflected in the study above.
When you purchase a housing unit through a Housing Developer, DEPOSITS could be your worst enemy.

In fact, DEPOSITS alone could reach from 10k to as much as 100k+ and if you are a minimum wage
earner or earning a little over that bracket, producing cash in this value is really a pain in the @$$ that most
of the time would lead our mind just to accept the false truth that owning a house is really not for us.

Why You Should Your Get a HOUSE Now?
(and not TOMORROW)

PRICE
More than most of the goods and services nowadays, the valuation of Real Estates continue to

expand each year, and as it happens, it is getting more and more difficult for the masses to catch up.
For example, a town house unit in Imus Cavite that cost 750,000 this 2018 could possibly become
800,000 next year.

This absolutely defines why investing in real estate is one of the smartest move you can make
if you want to make your money safe and at the same time become profitable (when you use it in
business/investments).

ESCAPE FROM THE METRO
Another thing to consider why you should start getting a home now is the current trend in the

real estate world in the Philippines: GET OUT OF METRO MANILA AND OCCUPY THE NEARBY
TOWNS.

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[Photocredit: inquirernet.com]

Haven’t you noticed that there is a stream of housing developments in areas surrounding the
Metro Manila like CAVITE, LAGUNA, BULACAN and ANTIPOLO? Why? Because Metro Manila is
getting so heavily congested with vehicles, people and even houses and the best way to get rid of this
is to get out of Manila and live in nearby towns where cheaper lands and great housing units are sold.
RENTING/LIVING WITH PARENTS IS NOT (never) A GOOD OPTION

Been there… done that. Yes, I have been trapped in this situation for many years since I
entered married life and I tell you, LIVING a life inside your OWN home is so rewarding that you
would never wish to rent/live with in-laws again once you experience having one.

CHECK OUT this comparison to have a sneak peak on why RENTING is a NO-NO:

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YOU ARE NOT GETTING ANY YOUNGER (of course)

Admit it or not, you are already getting older and the worst case scenario is that you grow old
in a retirement age without your own home where you can just lay back and listen to good music the
entire day without thinking of any rental fees.

[Photocredit: pasei.com]
[Photocredit: bricktobuilding.com]

Also, is it nice that you will have a property that will be passed on to your children (and even
great grand children) when your days reached its limelight?

Indeed, getting a house of your own, under your name, is one of the BEST decision that you
can ever do in your life and if you think it is not yet time to get one, then when?

When it’s too late for you? When you are too old?
Now THINK again… and again… and again.

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What is PAGIBIG ACQUIRED ASSETS?

If you are employed/have been employed in the Philippines, most likely, you know what PAGIBIG
fund is. More than a government institution that regularly deducts a small portion of our salaries for
contribution, PAGIBIG Fund offers not just Multi-Purpose Loans (or regular Housing Loans like those that
agents in the malls offering) but also a CHEAPER and FASTER way of owning our DREAM HOUSE through
its ACQUIRED ASSETS scheme.

PAGIBIG ACQUIRED ASSETS Department is a division of PAGIBIG Fund that handles, takes care and
distributes these ASSETS such as housing units, land areas, etc., that PAGIBIG Fund has acquired through
their various housing loan programs.

For a CLEAR PICTURE on how PAGIBIG ACQUIRED ASSETS works, please see the following chart:

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LIFE CYCLE OF A HOUSING UNIT

DEVELOPER (camella, profriends, dmci, homemark etc) GETS A VACANT LAND AREA
WARNING: This material is monitored and is COPYRIGHT protected.
DEVELOPER STARTS MAKING HOUSING PLANS FOR THE LAND AREA
DEVELOPER SELLS THESE PLANNED UNITS TO BUYERS THROUGH “PRE-SELLING”

BUYERS APPLY HOUSING LOAN IN PAGIBIG TO AVAIL UNITS
UPON COMPLETION OF UNITS, PAGIBIG WILL PAY THE AMOUNT OF THE UNIT TO THE DEVELOPER IN FULL

BUYER RECEIVES THE UNIT, AND WILL PAY PAGIBIG FOR THE HOUSING LOAN APPLIED
IN CASE THE BUYER FAILS TO FULFILL MONTHLY AMORTIZATIONS, PAGIBIG WILL FORECLOSE THE UNIT AND RECLAIMS THE HOUSE
PAGIBIG WILL NOW OFFER THESE UNITS TO INTERESTED MEMBERS THROUGH THE “PAGIBIG ACQUIRED ASSETS PROGRAMS (BIDDING OR NEGOTIATED SALE)”

(YOU)NEW INTERESTED MEMBER RESERVES THE UNIT AND EVENTUALLY BECOMES THE NEW LEGAL OWNER OF THE HOUSE*

*After Approval.
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Why consider PAGIBIG ACQUIRED ASSSETS vs Regular
Developer-Based Units?

When I was in my early days of “HOME SEARCHING”, I thought that there is only one option if you
want to buy your own house and that is: Through developers alone (like Camella, Homemark, ProFriends,
Duraville, SMDC etc.).

However, I proved myself wrong when I learned about the PAGIBIG ACQUIRED ASSETS and its
programs because I found not just a new option, BUT a BETTER way of owning these exactly the same
DEVELOPER MADE units— but at a CHEAPER, FASTER and EASIER WAY!

[Photocredit:www.pagibigfund.gov.ph]

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When you avail a foreclosed unit through PAGIBIG ACQUIRED ASSETS, you will get DISCOUNTS
directly on the TCP (Total Contract Price) depending on the mode of purchase you will choose (30% discount
on Cash Basis, 20% for Installment and 10% discount if will be applied through PAGIBIG Housing Loan).

Another thing, a regular housing loan through “Developers” requires the buyer to pay RESERVATION
FEE, MOVE IN FEES, EQUITY/DOWNPAYMENT, ETC that only adds up the burden of the buyer because of
the extra fees that the buyer must shoulder.

(Please see image below) (Est. move in fee of 5-1000php is not shown in the list)

[Photocredit:www.olx.com]

In PAGIBIG ACQUIRED ASSETS, there will be no EQUITY, no DOWN PAYMENT, no MOVE-IN FEE
and any other HIDDEN CHARGES! You will only pay 1000php for Reservation, 2000php as PROCESSING
FEE and 1-year Advance MRI and Fire Insurance (incidental expenses).

In just around 2-3 months from the day of reservation, you can already expect to receive the KEYS to
your house, the AUTHORITY TO MOVE IN letter, a copy of the title and the DEED OF CONDITIONAL SALE
evidencing your rights as the new lawful owner of the unit you purchased.

IMPORTANT NOTE: All PAGIBIG ACQUIRED ASSET units are sold in “AS IS WHERE IS” and “1st come 1st served” basis.

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Pros and Cons of Availing a PAGIBIG ACQUIRED ASSETS unit

There are always two sides of a coin and in this part I will tell you what are the ADVANTAGES and
DISADVANTAGES of getting a unit via PAGIBIG ACQUIRED ASSETS:

PROS
 Relatively the “CHEAPEST Price Available” compared to regular Developer
bought properties
 Clean title
 Great for investment (BARGAIN PRICE)
 Easy repayment options (up to 30 years: Pagibig Housing Loan)
 Guaranteed PRIME (habitable) locations
 Good for business (Buy, Fix and Sell)
 Ready-For-Occupancy (not pre-selling)
 With Established Community (most of the time)
 Updated/Paid Real Estate Tax (by PAGIBIG)
 Secured/ Legal transactions (all are between the BUYER and PAGIBIG only)

CONS
 Disputes/Eviction/Settlement with the previous owner/current occupant
 Outstanding/Unsettled Bills (Meralco, Maynilad, Telephone Lines, etc.)
 Tight Competition (with co-members, overall reservation process)
 Physical damages in actual Unit (broken doors, windows, roofs, etc)
 “As Is Where Is” (what you see is what you get)

The CONS stated above CAN be AVOIDED/MINIMIZED if you will FOLLOW the TIPS and
TRICKS found in this book. (That is the reason why I made this book after all) 

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PAGIBIG HOUSING LOAN REQUIREMENTS/ELIGIBILITY

Now that you have already known some of the BASIC information that you should be aware of before
making a purchase, it’s time to know if you are eligible to GET a house through PAGIBIG ACQUIRED
ASSETS.
(If in case you found yourself not eligible to GET a unit, call PAGIBIG ACQUIRED ASSETS directly for further
assistance).

FOR LOCALLY EMPLOYED

Basic Requirements

 Accomplished Buyer’s Information Sheet (2 copies) with recent 1x1 ID photo (2 copies) (TO BE GIVEN BY
PAGIBIG)

 *One (1) valid ID (Photocopy, back to back) of Principal Buyer and Spouse, Co-Buyer and Spouse, if applicable
 Proof of Income (any of the following):

o Notarized Certificate of Employment and Compensation (CEC) indicating the gross monthly income and
monthly allowances or monthly benefits received by the employee

o Certified One (1) Month Payslip, within the last three (3) months prior to date of loan applicationLatest
Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached
BIR Form No. 2316, stamped received by the BIR

NOTE: For Government Employees, the Certified One (1) Month Payslip, within the last three (3) months prior to
date of loan application, must be submitted together with CEC or ITR.

Additional Requirements

 Copy of Frequently Asked Questions (FAQ’s) with signature (TO BE GIVEN BY PAGIBIG)
 Photocopy of P1,000.00 Reservation Fee Receipt

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FOR SELF EMPLOYED (Business owners/ freelancers with no employers, etc.)

Basic Requirements

 Accomplished Buyer’s Information Sheet (2 copies) with recent 1x1 ID photo (2 copies) (TO BE GIVEN BY
PAGIBIG)

 *One (1) valid ID (Photocopy, back to back) of Principal Buyer and Spouse, Co-Buyer and Spouse, if applicable
 Proof of Income for (any of the following):

a. Owned Business
 Income Tax Return (ITR),
 Audited Financial Statements,
 and Official Receipt of Tax Payment from bank supported with DTI Registration and Mayor’s
Permit/Business Permit

b. Commission Base
 Commission Vouchers reflecting the issuer’s name and contract details (for the last 12 months)

c. Drivers
 Certified True Copy of Transport Franchise issued by appropriated government agency (LGU for
tricycles, LTFRB for other PUVs)

d. Foreign Remittances and Pensions
 Bank Statements or passbook for the last 12 months (in case income is sourced from foreign
remittances, pensions, etc.)

e. Rental Payments
 Copy of lease Contract and Tax Declaration (if income is derived from rental payments)

f. Sari-sari Store/Mini Groceries, Sub-Contractor, On call Maintenance, Technician
 Brgy.Certificate/Clearance
 Properly Accomplished Certificate of Engagement duly notarized

Additional Requirements

 Copy of Frequently Asked Questions (FAQ’s) with signature (TO BE GIVEN BY PAGIBIG)
 Photocopy of P1,000.00 Reservation Fee Receipt
 Photocopy of 1 valid ID of the signatory in the Certificate of Engagement

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FOR OVERSEAS FILIPINO WORKERS

Basic Requirements

 Accomplished Buyer’s Information Sheet (2 copies) with recent 1x1 ID photo (2 copies) (TO BE GIVEN BY
PAGIBIG)

 *One (1) valid ID (Photocopy, back to back) of Principal Buyer and Spouse, Co-Buyer and Spouse, if applicable
 Proof of Income (any of the following):

a. Employment Contract
 Employment Contract between employee and employer; or
 POEA Standard Contract

b. Certificate of Employment and Compensation (CEC)
 CEC written on the Employer/Company’s official letterhead; or
 CEC signed by employer (for household staff and similarly situated employees) supported by a
photocopy of the employer’s ID or passport

c. Income Tax Return filed with Host Country/Government

NOTE: If documents are in foreign language/s, English translation is required.

Additional Requirements

 Copy of Frequently Asked Questions (FAQ’s ) with signature (TO BE GIVEN BY PAGIBIG)
 Photocopy of P1,000.00 Reservation Fee Receipt

For OFW Members

 Special Power of Attorney (SPA) notarized prior to date of departure
 For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country

where the member is working) but duly authenticated by the Philippine Consulate
 The Fund may also require any or a combination of the following documents:

o Payslip indicating income received and period covered
o Valid OWWA Membership Certificate
o Passport with appropriate visa (Working Visa)
o Residence card/permit (permit to stay indicating work as the purpose)
o Bank remittance record
o Professional License issued by Host Country/Government

NOTE: If documents are in foreign language/s. English translation is required.

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*List of Accepted IDs

Government-issued picture IDs such as the following:
 Present Company ID
 Government Services Insurance System (GSIS) E-Card
 Social Security System (SSS) Card
 Professional Regulation Commission (PRC) ID
 Driver’s License
 Passport, issued by Philippine or Foreign Government
 Government Office and GOCC ID:

o Armed Forces of the Philippines (AFP) ID
o HDMF-Pag-IBIG Overseas Program (POP) ID
 Integrated Bar of the Philippines (IBP) ID
 Voters ID
 Postal ID
 Overseas Workers Welfare Administration (OWWA) ID
 Senior Citizen Card

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Chapter 2:
Let’s START your journey!

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The HOMEWORK
2A. Where to Begin
2B. PAGIBIG ACQUIRED ASSETS Website— Important
Buttons/Information Explained
2C. NEGOTIATED SALE 101
2D. Why BASIC Steps in Google (alone) Could Cost You A LOT!
2E. The “Great” “Good” and “Bad” Tomatoes

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Where to Begin

Your road to having your own house via the PAGIBIG ACQUIRED ASSETS program will start at the
PAGIBIG website (http://www.pagibigfund.gov.ph/) itself. To access this site, please follow the ff:

1. Please search website above until you get directed to the PAGIBIG website.
2. Find and click the “Property Finder” button as seen below:

3. After clicking the button, you will be directed to the ACQUIRED ASSETS webpage or you can
enter the site directly via (http://www.pagibigfund.gov.ph/aa/)

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PAGIBIG ACQUIRED ASSETS Website— Important
Buttons/Information Explained

Main buttons

Main Buttons

PROPERTY UNDER NEGOTIATED SALE
In here are the lists of PROPERTIES that are readily AVAILABLE to be reserved by ANY

interested qualified PAGIBIG member.
STEPS ON PURCHASING ACQUIRED ASSET

Clicking this will make you access the “BASIC STEPS” guide in purchasing a house via PAGIBIG
Acquired Asset. Please check this so at least you can have basic idea on how it is done.

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APPLICABLE DISCOUNTS
Units purchased in Cash payment entails 30% discount on the TCP (Total Contract Price), and

units purchased on Installment basis (1-year term) will enjoy 20% discount while units that will undergo
PAGIBIG HOUSING LOAN (up to 30-year term) will have 10% discount. Learn all these through this button.

CHECKLIST OF REQUIREMENTS
The data in this webpage is the identical to the information I provided in the previous pages

regarding the requirements. You can skip browsing this page.

AMORTIZATION CALCULATOR
This is my favorite part of the PAGIBIG ACQUIRED ASSET webpage. Through the information

that will be generated, you will have an idea on (1) how much will be the ESTIMATED monthly amortization
for your chosen unit, (2) how much can you loan based on your income and (3) how much can you borrow
based on the value of the property.

To take advantage of this amount generator, just CLICK on the button of the information that
you want to know (eg. How much income is required for my desired loan value?), FILL IN the blanks with
the required data (desired loan amount, preferred repayment period, preferred fixed pricing period) and it
will AUTOMATICALLY come up with the detailed information you needed.

Please see screen shot on the next page to see how it looked like:

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To give you an example, I have entered my housing loan amount (with other details) and the
system has automatically given me a ball park figure of PHP4062.34 as monthly amortization for the unit I
got in Green Estate, Imus. Note: Estimated MRI is also included in the final breakdown.

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PAGIBIG ACQUIRED ASSETS Website— Important
Buttons/Information Explained

Announcements

Bidding Schedule

ANNOUNCEMENTS
In this part is where announcements, reminders, news or articles are posted by PAGIBIG

ACQUIRED ASSET. Check this to get up to date news surrounding the fund.
BIDDING SCHEDULE

If you are planning to get a unit through BIDDING (not negotiated sale), this is where PAGIBIG
posts the updated BIDDING schedules that is being offered to public. The bidding schedules come in two: the
1st Bidding and 2nd Bidding. Later in the book, you will know how important these schedules are for you.

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Negotiated Sale 101

By definition, NEGOTIATED SALE is a process that includes only a limited number of potential
buyers, and usually includes one interested party with a high probability to close the transaction.

At this point, it is good to highlight that the tips and tricks found in this book is for buyers who will
get a unit via the negotiated sale option (because most cannot afford to join the biddings held at the
PAGIBIG ACQUIRED ASSET Office that requires a large sum of money, on hand, to be able for one to
participate)

To help you understand more of the NEGOTIATED SALE, please check and study the series below
on how a unit is moved to the negotiated sale option:

(upon nonpayment) PAGIBIG foreclose/ will take the rights of the unit from the previous owner

PAGIBIG will contact the former owner to settle/buy back the unit

(if failed) PAGIBIG will now put the unit into 1st Bidding (w/o discount)

If no one BID for the unit, PAGIBIG will put the unit in 2nd bidding (w/ discount)

If still, no one expressed interest in BIDDING the unit…

The unit will be placed in the NEGOTIATED SALE for the any interested member to reserve

Members can now freely reserve the said unit for just 1000php
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To help you navigate the PAGIBIG ACQUIRED ASSETS- UNDER NEGOTIATED SALE webpage,
kindly see below:
CLICK the “PROPERTIES UNDER NEGOTIATED SALE” button

Using the drop down menu, click for the province and municipality of the unit/location you prefer most.

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After you fill in the required data, the system will automatically filter the units available based on the
location you chose. Once the data has been filtered, Click “View Property/s” on the right side of your
preferential unit. (Eg. Elisa Homes, Molino IV, Bacoor City, Cavite)

Once done correctly, it will lead to a “pop-up” that shows specific details on the unit you wish to avail.

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IMPORTANT NOTE:
Please pay careful attention to the “STATUS” and “REMARKS” field. In the sample generated, the

STATUS of the unit is “OCCUPIED” which means there is illegal occupant in the unit (this could be the
previous owner, tenant or just a simple land grabber). This should give you a RED flag right away, meaning
it is best to forget this unit, move on and try to find another unit that has “UNOCCUPIED” status instead.

On the other hand, the REMARKS field will show either “AVAILABLE- NEGOTIATED SALE”, “FOR
TITLE CONSOLIDATION”, and “WITH RESERVATION”. If you saw the first two options in the remarks
(“AVAILABLE- NEGOTIATED SALE”, “FOR TITLE CONSOLIDATION), I can say that it is safe for you to
proceed (given that the unit is UNOCCUPIED). However, if the unit has been flagged with “WITH
RESERVATION”, my fair advice is that you skip this property as someone has already got the slots pertaining
to the house.

Why BASIC Steps in Google (alone) Could Cost You A LOT!

Why will I BUY an online book that would cost me 199php when Google is FREELY available?
To be explicitly honest with you, if I were in your shoes right now I would react the same way. Information is
now available FREE OF CHARGE via internet and why the heck will I spend a dime anyway for that?

But, I have been there, my dear Pal. I consulted Mr. Google many times and made various researches
prior to finding my dream home, and what is the end result? FAILURES.

I am not saying this for the benefit of my book, it’s just that I CANNOT FIND articles/blogs or websites
that have ALL the details you needed to get the house of your “CHOICE”. Because if there is one, I could
have easily gotten those during my initial stages of HOME HUNTING— but there is none.

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But of course, if you want the BEST information available, the primary source of info that you would
want to uncover is that from the agency itself—the PAGIBIG ACQUIRED ASSETS webpage.
On the screenshot below, according to PAGIBIG, there are ONLY four (4) steps (EASY STEPS) in
purchasing a unit under NEGOTIATED SALE:

In a way I have to agree, following the steps above could really get you a unit, but there are high
risks factors that you should carefully consider before proceeding to Step 1 (Reserving the property).

This is what we will tackle in the next paragraph.
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The “Great”, the “Good”, and the “Rotten” Tomatoes

Assuming that you have already chosen your preferred “UNOCCUPIED” unit using the
“Properties Under Negotiated Sale” webpage, what you need to do next is not to RESERVE the property yet,
BUT TO INSPECT/VISIT THE PROPERTY first in person…and it is a MUST!

Unlike in getting a unit through agents/developers, the INSPECTION/VISITATION process will all
be shouldered by the buyer. This means, there will be no FREE TRIPPINGS, no free rides, no free lunch, etc.,
because you will do this all by yourself, at the expense of your personal pocket.

Because of this you will need the skills, strategy and proper mindset to be able to inspect and
reach as many units as possible. But first, let me share with you my first try in getting a unit which resulted in
failure. As a home-hopeful, it has been a regular task for me to visit the PAGIBIG website hoping to find a
“good” house unit that would fit my criteria. After months of monitoring site, I finally found a cheap unit in
located in Dasmarinas, Cavite and this house is just two doors sideways from the house of my sister-in-law
who is residing in that particular subdivision.

I followed what is on written in the PAGIBIG website and immediately rushed to their main
office in Shaw Boulevard to reserved the unit without a bit of hesitation. (Note that the unit has been
tagged with “OCCUPIED” status but I didn’t even care at all back then). In God’s will, in just a few minutes it
has been reserved under my name after paying 1000php reservation fee.

As required, I submitted ALL the needed documents within the next 30 days and waited for
two months for the loan approval. Two months have passed and PAGIBIG texted me the good news that my
HOUSING LOAN has been approved that granted me ALL the rights to occupy and be named as the new
owner of the unit. With the copy of notice of approval, myself, together with my family went to the occupant
—which happens to be a previous tenant of the house, who has not been paying a single cent for decades
since the original owner left the unit— to inform them that we are now the RIGHTFUL LEGAL new owner of
the house he is living in for FREE for so many years.

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Unfortunately, what I thought will be a smooth talk became a harrowing nightmare. The
occupant, who is just an illegal tenant, seemed to be asking us almost 50,000php just for them to vacate the
house that is now LEGALLY under my name, assumingly. After a series of explanation and receiving never
ending reasons, I ended up giving up with the house (because I will never pay a tenant with that amount)
and the scenario made me broke for days, even weeks.

I even called PAGIBIG to let them know of this and they advised me that as the new LEGAL
owner, I have the right to file a case in court and evict the tenant with an Eviction Case. However, this
process will spend me thousands and thousands of cash and the “abala” it would bring will never be worth it.

This made me realize the amount of money I wasted with the whole process, the time spent, the
efforts, hopes and all the hard works were all put to trash as I decided to CANCEL and let go of the unit once
and for all.

Having learned a valuable lesson —the hardest way— with that experience, I created a better
plan to properly classify units the second time around to ensure that the house that I will be currently
reserving will be a “good” one and not the problematic-type such as the former and I CLASSIFIED them
accordingly:

ROTTEN TOMATOES
These are the kind of units that you should COMPLETELY avoid! They are the ones tagged as

“OCCUPIED” in the PAGIBIG ACQUIRED ASSET- Property Under Negotiated Sale webpage. Once you saw
that the unit has this status, stay away from it and move to the next one. However, based from my
encounter with different units being offered by PAGIBIG, there are UNOCCUPIED units that ALSO belong to
this criterion. These are the UNOCCUPIED units that have left almost destructed by man or nature. They are
the houses that have been left open for years and this gave intruders the opportunity to steal the doors,
entire windows, toilet bowl and even roofing of the unit. There will also be major damages, cracks and other
physical destruction/abuses and expenses that the new owner needs to shoulder in case you reserve for these

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kinds of houses. In my experience, I even saw a unit that has become a “chicken-goat den” by the
neighboring house. The unit has chicken and goat poops all over the house up to the second floor, including
the walls, making future house improvement as difficult and expensive as hell.
GOOD TOMATOES

These are the units that belong in your “pwede na” list. In general, they are the UNOCCUPIED
units that are mildly abused by man or by nature. For units under this classification, the house could have
slight cracks on the wall, some missing windows, slightly broken doors and not so damaged house interior.
Improving houses like these could cost you some expenses, but of course, that is better than not having a unit
at all or having a Rotten Tomato instead. In all, ending up getting these units is still very rewarding in a
sense.
GREAT TOMATOES

If there is a DREAM home, here is where you can find them. These are the UNOCCUPIED and
locked units that seemingly looked “as good as new” that you can feel that what you bought is a brand new
house. They are most likely never been occupied before (even by the previous owner) with complete housing
fixtures like doors, windows, sink, toilet, etc. If you are lucky enough, some units already have a standby
water connection, electricity line and even minor improvements made in the house (such as tiles, partition,
etc.). Aside from the physical aspects of the house, pricing could be a factor to determine if a unit fits this
batch. If you will have the perks mentioned above and the price of the unit is lower compared to most, then
you probably have a GREAT TOMATO in your basket! (Do you know that unit I RECENTLY got falls in this
group? Yes! Continue READING to know how I did it)

[Photocredit: tomatodirt.com]

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Now Let’s Move!

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The FIELDWORK
3A. House Inspection 101
 Plan Ahead Wisely
 Be Equipped
 Do’s and Don’ts During House Inspection
3B. Why Focus on Your “TARGET” Units

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House Inspection 101

Now that you are finally aware of the three kinds of units (Rotten, Good and Great Tomatoes) that
you must consider before reserving a home, the next step is to work it out and visit your preferred units “in
person” to see the actual standing of the house itself and to know what criteria they belong to.

Plan Ahead Wisely

You do not want to spend more money and waste precious amount of time right? In doing house
visits/inspection try coming up with a plan that you would be able to visit MORE units at a LESSER time and
at a lower cost. In my case, I first decided on what subdivision I really like the most which is Green Estate and
listed down all the available units in that place. Also, I searched for other nearby subdivisions with available
units located in the same area where I can visit too in case I have extra time. This way, I covered and visited
ample amount of units in a single day without wasting my time, energy and money on public fares.

Be Equipped

Same as going out for a vacation, you need to get equipped when doing house inspection especially if
you will visit these houses by foot (if you do not own a car like me).
BRING THE FOLLOWING:

 Water bottle – Yes, entering and walking inside a subdivision that you are not familiar with can really
be a tiring experience. Remember that you will look for units based on Blocks, Lots and Phases only
and walking in a distance could cause dehydration. Better be prepared than feel sorry.

 Umbrella – Common sense, you should not forget this as you will never know when it will rain or
when the sun will strike at its highest. (This could be a good defense for bad stray dogs, believe me)

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 Complete List of Target Units – Never rely on your cellphone’s data for the Unit number of the houses

that you are planning to visit because certain areas have weak data connection. This exclusive list
should include ALL the details of the units that you are planning to inspect. From my experience, I
had 20+ units listed and each one of them are classified according to their actual location (which are
nearest to the gates, main roads, etc)

 Ballpen – Remember that you cannot REMEMBER it all! Each time that you finished inspecting a
unit, mark it in the Complete List of Target Units with your remarks, feedback/comments. You can
also RATE (mine with stars) the units you visited based from your preference. This will be a great help
when you are already deciding at home on which amongst the UNITS you inspected are the BEST
ones available.

 Proper Identifications – You could be asked by the guards, homeowners association or neighbors
themselves to identify yourself and you would never want to be suspected as a thief right? Bring your
IDs and other identification materials just in case needed for this purpose.

 Camera – Whether a DSLR, a digicam or even your personal phone would work pretty well. Take
pictures of the interior and exterior of the units you visited for reviewing purposes.

 Cellular Phone – It is a no-brainer to remind this but yes, bringing your cellphone (with wifi/data
connection) will give you more benefits. Aside from taking photos, you can search for information
right away like Maps, fare guide, etc.

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 PRINTED (google) MAPS – Who needs an ATLAS these days? No one! Be sure to do your homework

correctly by printing actual Google Map images that will serve as your real-time map (do not rely to
your cellphone alone). Seeing you holding a map-LIKE paper will also create an impression to the
neighborhood that you are serious and you are really interested in getting your target homes.
 PRINTED SUBDIVISION PLAN (if available) – Google Map can show you the actual roads, houses
and streets instantly, BUT, how will you know which of these roads can lead you to the BLOCKS and
units that you are looking for? To avoid wasting your energy, search for the SUBDIVISION PLAN of
the units that you will be checking and that would give you a BIG edge. (See sample below)

]

[Photocredit:www.olx.com

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Do’s and Don’ts During House Inspection

Do’s Don’ts

Bring a lot of patience Opening of a “locked” unit by force

Kindly inform neighbors (if they are around) Disrespect authorities such as guards, HOA
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that you will be inspecting/entering a certain and even neighbors.

unit

Ask neighbors about the neighborhood Vandalizing or putting markers on the units

itself/history of the house (eg. Flooding, water you visited.

connections, theft, noise, etc.,)

Slightly pretend to be the current/new Do not OVER PRETEND that you are the

OWNER of the unit (Sounds clever, but this is current/new owner of the unit.

100% effective and helpful)

Know your purpose/everything that you will Do not break windows and doors just to able

be talking about to sneak in.

Coordinate with HOA, guards and developer, Do not create too much noise or attention

if needed.

Get as many billing information as possible Giving too much information to the neighbor

(Meralco Meter number, outstanding bills on (They might get interested as well in taking

the floor) the unit before you)

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Why Focus on your “TARGET” Units?

Again, Target Units are the list of the units that you prefer the most. By having solid target
units, you can construct a plan on how to visit the area/subdivision in the easiest and most
comfortable way.

In my case, I listed down 20 target units from a common subdivision and these are the units I
thoroughly inspected one-by-one during my visit. Do you know what I found out?

Out of those 20 “UNOCCUPIED” units, 12 has been tagged by myself as “Rotten Tomatoes”, 6 as
“Good Tomatoes” and the remaining 2 happen to be the few “Great Tomatoes”.

What does this prove?

Well, if in case I did not go on with an inspection and simply used random picking (bahala na)
method during reservation, there is an 80% chance that I will come up picking the not-so-good units,
or worse, the Rotten ones. But because I got the Target Units List readily available, I got aware before
hand on which of the 20 UNOCCUPIED units should I fight for during reservation process.

As a result, I got the BEST among the two “GREAT TOMATOES” in my list! This unit is the one I
ranked with “5 stars” during my personal evaluation when I was in the area and because of the
classification/rankings I made, I would still know which of which should I reserve next in case my TOP
choice has already been taken by someone else.

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Chapter 4:

All the Way to SHAW
BOULEVARD!

(for NCR accounts [cavite/rizal/bulacan/MM])

[Photocredit:gallery.sunstar.com.ph]

4A. Be 100% Prepared
4B. Things to Bring
4C. What to Consider
4D. The Process
4E. CONGRATULATIONS!

Important Note: LAGUNA-BATANGAS and those in other accounts may use
relatively the same information below BUT with changes in actual PAGIBIG office
address-hub in your area.

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Be 100% Prepared

Now that you already have the target list marked with the ratings/comments/feedback/classification,
the next thing that you need to do is to plan and to prepare to get to the PAGIBIG ACQUIRED ASSETS
Office in Shaw Boulevard and have the unit/s you prefer be reserved under your name. But before that,
spare some time reviewing the data and information that you have taken during your inspection again and
again to have the best decision. This includes photos of the units, accessibility/location of the unit, the
neighborhood itself, the neighbors themselves and other factors to help you decide which in the list shall really
be your TOP choice dream home.

After that, let’s say that you have already made an evaluation and you now have a solid list of
“Preferred Units”, it is highly advisable to prepare carefully on how you will make your way going to the
PAGIBIG OFFICE in Shaw Boulevard.

You can Google the easiest and most convenient way of going to the office and for me that comes
from the South (Cavite), taking the MRT and alighting at Shaw Blvd. Station is always the best option. From
there, I will have a short walk to the jeepney terminal beside “Starmall-Crossing” and that jeepney ride will
take me straight to the PAGIBIG ACQUIRED ASSET Office.

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Things to Bring

 Two (2) Valid IDs
 1 mont PAYSLIP
 1000php Reservation Fee
 50-150php for Notary Public (MONEY SAVING TIP: If you want to save, the NOTARY PUBLIC outside the

building, right across the PAGIBIG Building, has cheaper prices (50php ONLY!) compared to the one located at
the 2nd floor of the building.)
 At least extra 10 php for PHOTOCOPIES (TIP: Though photocopy services is cheaper outside the building, the
stall just right beside the escalator produces clearer copies.)
 Folder/Envelop/Paper Cases just to have your documents secured after transaction
 Food/Water/Ballpen
 List of Marked Target Units
 Umbrella (You do not want your documents get wet if rain pours)

What to Consider

 Travel Time – Of course, you have to plan well on what time you should be at the Office. The earlier you
are, the better.

 Traffic – You do not want to get stuck in Traffic for 4 hours right? Remember, many people will be rushing to
the office for the same purpose as yours. Beat them by time.

 Weather Disturbances – There are times that the Government suspends work in the government in harsh
weather. Please be aware of this.

 Holidays – No one works in holidays, especially the government agencies. Check your calendar and some
announcements for scheduled holidays.

 Long Lines – As I’ve said, people coming from different cities and provinces are rushing to this office to get their
dream houses like you. Do not be discouraged if you saw long lines. There are queue numbers available from
the front desk officer and everyone will have their chance accordingly.

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The “basic” Process (subject to changes as per PAGIBIG guidelines without prior notice)

PAGIBIG, like any other government offices in the country, begins its services at 8:00 in the morning
and ends at 5:00 in the afternoon. As a suggestion, it will be BEST if you will get here as early as possible
(even before 8am) to avoid long lines and massive traffic build up surrounding the area.

Assuming that you have already made it “on-time” to the PAGIBIG ACQUIRED ASSET Office
Building in Shaw Boulevard, just take the escalator leading to 2nd floor and enter the door on the left
which is the PAGIBIG Office. Here, you will be halted by guard for baggage inspection and then you will
be directed to the front desk officer for the queue. Just tell the front desk officer that your purpose is “For
Reservation” and he will hand you the queuing number.

After which take a seat in front of counters 44-46 and wait until your number is called. When your
turn has come, the PAGIBIG Acquired Asset Marketing Officer will ask for the details of the Unit/s you
wish to reserve and they will let you know if it is still available for reservation. When everything seemed
to be in order, the Officer will ask you to fill up a number of documents and will require you to Pay the
1000php Reservation Fee in the Cashier (this requires separate Queue). Depending on the officer, they
could also instruct you right away to photocopy and Notarize some of the papers.

Once you are done with all these processes (paying the Reservation Fee, filling up documents,
photocopying and notary public) you have to get back to the same Officer to submit the accomplished
documents and the officer will complete the entire process by giving you copies of the official documents,
the list of requirements/payments you need to submit/make for the next 30 days and everything else that
you need to know. All in all, the entire RESERVATION process once your number is called could be
completed in less than an hour, in average.

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CONGRATULATIONS! (…but not yet)

As easy as that, YOU can now say to yourself that you’ve finally got your DREAM house on the
running! After the reservation procedure, it is likely that you will submit all the requirements needed (list
will be given by PAGIBIG) and Pay for the Incidental Expenses (1 year advance MRI and Fire Insurance +
2000php for Processing Fee) within the next 30 days.

To give you sample figures, my own unit that has a TCP of 628000 had a total of 4000+ for
Incidental Fees all-in. So, if the unit you bought has a much cheaper TCP, expect that the total
incidental expenses will be much lower as well.

In the event that you have already submitted the necessary requirements along with the full
payment of the Incidental Expenses within 30 days from the date of your reservation, all you to do is to
wait for at least 1-2 months for the SMS that will be sent to you by PAGIBIG notifying you about the
approval and when to claim your APPROVAL NOTICE, AUTHORITY TO MOVE IN, KEYS (if available),
TITLE (COPY) and DEED OF CONDITIONAL SALE. Once you got these documents secured in your hands,
you are now OFFICIALLY and LEGALLY the new owner of the unit you purchased.

Time Line

RESERVATION (1 DAY)

SUBMISSION OF REQUIREMENTS/PAYMENT OF INCIDENTAL EXPENSES (WITHIN 30 DAYS AFTER RESERVATION)

LOAN APPROVAL/RELEASING OF DOCUMENTS IN FAVOR OF THE BUYER (WITHIN 2 MONTHS AFTER SUBMISSION)

MOVE IN!

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Master’s SECRET Key To Your Success!

Having reached this part of the book, I believe you are already EQUIPPED with the simple tips and
tricks on how to BASICALLY reserve a unit from the LIST of available properties you extracted inside the
“PROPERTIES UNDER NEGOTIATED SALE” page in the PAGIBIG Acquired Asset portal.

As what I told you in this book right at the beginning, you WILL never know it ALL if you will only
consult the “BASIC INFORMATION” that you can find in Google or even in the PAGIBIG webpage itself
alone.

What do I mean?

To tell you the TRUTH, and nothing but the HONEST truth, getting a list of TARGET UNITS based from
the units found in “PROPERTIES UNDER NEGOTIATED SALE” (as recommended by PAGIBIG itself and even
Google) is for me a suicidal move. Yes, that is true. Do you want to know why?

Let me stress this one out. There is a 97% chance that the units that you will be seeing inside the
“PROPERTIES UNDER NEGOTIATED SALE” webpage are what I call myself “LEFT-OVERS” units or those
that has not been taken/ reserved for a period of time. GO AND TRY this to know what I mean:

Go to the PAGIBIG Acquired Assets portal—“PROPERTIES UNDER NEGOTIATED SALE” now and check
the list of properties in “hot” areas such as Cavite, Bulacan, or Metro Manila and you will see an alarming
similarity: MOST of the units posted here are either, “OCCUPIED”, “WITH RESERVATION” or has an
“EXPENSIVE” price. Do you remember what classification I give to units with these descriptions? Correct!
They belong to the ROTTEN TOMATOES that you should stay away from.

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Though there is still a chance that you can get a “GOOD” unit by referring to the PAGIBIG Acquired
Assets portal—“PROPERTIES UNDER NEGOTIATED SALE” webpage alone, the chances for this are very slim
because other members could have already inspected and reserved the units ahead of you.
If this has been the actual case, then, is there ANOTHER way to efficiently get a GREAT unit ahead of
the others? OF COURSE there is… and I will teach you how I did it based from the techniques and strategies
that I personally formulated after months/years of studying and getting through the overall PAGIBIG
ACQUIRED ASSETS process myself.
On this part of the book, I will EXCLUSIVELY teach you HOW to get it smoothly DONE (BEYOND the
basics) without even accessing the “PROPERTIES UNDER NEGOTIATED SALE” page:
First, get to the PAGIBIG ACQUIRED ASSET portal (http://www.pagibigfund.gov.ph/aa/) and instead of
clicking the “PROPERTIES UNDER NEGOTIATED SALE” button, pay close attention to the “SCHEDULES OF
PUBLIC AUCTIONS” (HOME PAGE):

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Think of this, if you will go back to “NEGOTIATED SALE 101” in Chapter 2, you will notice that the
ACTUAL UNITS that is going to the 1st and 2nd Biddings are the same identical units that will be OFFERED
and PLACED into the “PROPERTIES UNDER NEGOTIATED SALE” after their respective 2nd bidding failed.

Are you now getting at least a glimpse of the strategy? Let me show you. When the 1st Bidding failed, the
units will be scheduled for 2nd Bidding most probably the following month, and if the 2nd Bidding still failed,
the units will be PLACED in the “PROPERTIES UNDER NEGOTIATED SALE” on the NEAREST posting date
(Tuesday and Friday) after the 2nd bidding.

Let’s take the previous 2nd Bidding for NCR-CAVITE that took place this June 27 as our example. When
you click the bidding date links in the pagibig webpage (shown in screenshot above), it will show you a PDF
file containing the BID guidelines and also the COMPLETE list of available units for 2nd bidding. (Please see
sample below)

If you will notice, most of the units that are under BIDDING have “UNOCCUPIED” status and the
availability/options are extremely high in number compared to those in “PROPERTIES UNDER NEGOTIATED
SALE”. This I tell you, there is a GREAT chance that most of these units will not be BIDDED (because of the
amount needed to enter bidding).

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With this, what you only need to do next is to KNOW the date when these units from 2nd bidding will
be posted for “negotiated sale”… that is what we call THE BIGDATES.

For the example shown, because the 2nd Bidding happened June 27, we can assume that these
available units for 2nd Bidding will be AUTOMATICALLY sent to the “PROPERTIES UNDER NEGOTIATED
SALE” list just few days right after June 27 2nd bidding and that could be either on July, 3 Tuesday or July 6-
FRIDAY (nearest POSTING DATES after bidding schedule) and YOU HAVE TO BE THERE BEFORE PAGIBIG
posts them on those BIGDATES so that you can easily reserve them AHEAD of the others as these units can
all be sold out in a matter of hours!
UPDATE: These units that undergone 2nd Bidding scheduled last June 27 got posted/ updated in the
Negotiated Sale page of the PAGIBIG AA website exactly on our set BIGDATES July, 3 Tuesday and July 6-
FRIDAY.

Can see the EFFICIENCY of this strategy? Even prior to that JUNE 27 bidding date, we already
predicted that the “new” batch of units on 2nd Bidding will be posted on our BIGDATES either July, 3 Tuesday
or July 6-FRIDAY and look, the UNITS got posted within our expected BIGDATES, 100% on cue!

Yes, while PEOPLE are randomly and endlessly waiting for website updates every Tuesdays and Fridays
out of nowhere, YOU in the comforts of your home already have the list of units 1-2 months ahead of time
which gives you the all the opportunity to inspect and choose the best of the best among these properties!
Not to mention, you also have chance to free your schedules and plan ahead as you already know the
ALMOST EXACTLY the dates (BIGDATES) of when your targeted units will be posted on the NEGOTIATED
SALE page!

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YOUR STEP BY STEP GUIDE TO SECURE THE BEST UNIT
AVAILABLE THIS COMING SEPTEMBER!

1. CLICK the item for upcoming 2ND bidding schedules for SEP 19 and 20 for CAVITE and
NCR/BATANGAS/RIZAL/LAGUNA units that are found in “Schedule of Public Auctions (with
discount)” portion of the website (PAGIBIG ACQUIRED>Home):

2. Check the list of available units from that list (in PDF) and create your TARGET UNITS LIST for inspection
(as many as possible) out of this set of properties based from your house/location/price preference.

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