La Villa de Guadalupe - Pre-development, Alijis-Circumferential Road, Bacolod City

HDL Construction and Development Corporation, one of the leading real estate developers in Bacolod City is now accepting reservation for lots at its newest project located at the Circumferential-Bacolod-Murcia Road, Brgy. Alijis, Bacolod City. La Villa de Guadalupe offers commercial lots for investors and entrepreneurs at very reasonable price and residential lots for those who are looking for accessible and convenient residential locations at unbelievably low price.  Avail of its pre-development and promotional price and save more.  The prices will shoot up and projected to increase by almost 100%.

Below is the pre-development/promotional price list for Phase 1.

La Villa de Guadalupe

Phase 1

PRICE LIST

Block	Lot Nos.	Price
	COMMERCIAL
01	01,02,03,04	4,400.00
	05	5,000.00
	06,07,08,09 & 10	4,500.00
	11,12,13,14 & 15	4,400.00
	16,17,18,19 & 20	4,300.00
06	01,02,03,04 & 05	4,300.00
	06,07,08,09 & 10	4,200.00
	11,12,13,14 & 15	4,100.00
	16,17,18,19,20 & 21	4,000.00
	22,23,24,25 & 26	3,500.00
	RESIDENTIAL
02	01,02,03,04 & 05	2,400.00
	06,07,08,09 & 10, 11,12 & 13	2,350.00
	14 & 15,16,17,18,19,20 & 21	2,500.00
	22	2,800.00
03	01	2,800.00
	02,04,06,08,10,12,14, & 16	2,500.00
	03,05 & 07	2,400.00
	09,11,13,15 & 17	2,350.00
	18	2,700.00
	19	2,500.00
	20	2,800.00
05	01,02 & 03	2,400.00
	04	2,800.00
	05,06,07,08,09 & 10	2,500.00
	11 & 12	2,600.00
	13 & 14	2,500.00
07	01	2,600.00
	02,03,04,05,06 & 07	2,300.00
	08,09 & 10	2,100.00
	11	2,300.00
08	01	2,400.00
	02,03, & 04	2,200.00
	05,06 & 14	2,300.00
	07,08,09,10,11 & 12	2,200.00
	13	2,500.00
09	01	2,700.00
	02,03,04 &05	2,400.00
	06,07,08,09 & 10	2,300.00
	11	2,400.00
10	01	2,600.00
	02,03,04,05,06,07,08 & 09	2,300.00
	10	2,200.00
11	01	2,600.00
	02,03 & 04	2,300.00
	05,06,07,08,09 & 10	2,300.00
12	01,04 & 17	2,500.00
	02 & 16	2,600.00
	03,05,07,09,11,13 & 15	2,300.00
	06,08,10,12 & 14	2,300.00
14	01 & 12	2,700.00
	02	2,600.00
	03,05,07 & 09	2,500.00
	04,06,08 & 10	2,300.00
	11	2,800.00
15	01	2,700.00
	02	2,600.00
	03,05,07,09 & 11	2,500.00
	04,06,08,10 & 12	2,300.00
	13	2,900.00
	14	2,800.00
16	01	2,600.00
	02 & 04	2,500.00
	03,05,07,09,11,13,15,17 & 19	2,300.00
	21, 23 & 25	2,300.00
	06,08,10,12,14,16,18,20 & 22	2,300.00
	24,26 & 27	2,400.00
	28	2,600.00

Prices above are subject to change without prior notice and may not be made part of an offer to sell by HDL Construction and Development Corporation without confirmation through a written proposal.

For reservation call or sms us at cell no. 09198836654 or e-mail us at wblirazan@yahoo.com. 

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Terra Nova, Panaad Park, Alijis, Bacolod City

Comfortable living is within your reach. Superbly designed in a cozy and peaceful setting.  Comfort and security are our top priorities.

A new low-cost housing subdivision has opened in Bacolod City.  The Terra Nova is a project of Bacolod Cityville Realty Corp. The same company that brought you Dona Carmen 1 & 2.  Terra Nova is conveniently located beside the Panaad Park in Alijis and offers a variety of affordable house house and lot packages.  They also offer lots only for those who want to stick with their planned house designs.  Below are the House models and their corresponding package prices.  Financing is through Pag-IBIG Fund.

Facilities and Amenities:

 - Streetlights                                  - Centralized Deep Well Water System

 - Telephone Lines                          - Clubhouse

 - Ceneco Power System                - Children's Park & Playground

 - Vigilant Security                          - Swimming Pool

 - Proper Drainage System              - Kiddie Pool

 - Concrete Widened Road             - Basketball Court

 - Perimeter Wall                            - Beside Panaad Park

The Emerald Model

(Specifications and details will be made available soon)

The Opal Model

(Specifications and details will be made available soon)

The Garnet Model

Floor Area:   48.5

Lot Area:  165 to 184 sq.m. (depending on block and lot location)

Package Price: P1, 212,435 to P1,324,635 (depending on lot size)

Downpayment:  10% of the Package price*

Loanable amount with Pag-IBIG:  P750,000.00

Equity: P341,191.50 to P442,171.50 (depending on lot size)

Equity can be paid up to six (6) months with 0%

The Sapphire Model

Floor Area:   69.15

Lot Area:  180 to 201 sq.m. (depending on block and lot location)

Package Price: P1, 590,360 to P1,679,760 (depending on lot size)

Downpayment:  10% of the Package price*

Loanable amount with Pag-IBIG:  P750,000.00

Equity: P681,324.00 to P761,784.00 (depending on lot size)

Equity can be paid up to six (6) months with 0%

*Downpayment is payable for three months only

 Processing fee depends on the loanable amount and can be paid in 18 mos.

 Processing fee is inclusive of the package price

Note:  The developer reserves the right to correct any error in this sample computations.

           Prices shall be in effect on the date of price list and subject to change w/o prior notice

           Prices indicated above are for house and lot only.

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My First Build-and-Sell Experience

I sold the first low-cost house that I got through Pag-IBIG Fund and I made some profit out of it.  That experience inspired me to try a small scale build-and-sell business.  

Venturing into a build-and-sell affair gave me mixed emotions. I was excited, enthusiastic, nervous, and uncertain at the same time. With only my monthly salary certain and that money I made from the sale of my first house, I singly proceeded with my plan in July 2000. I took a P500,000.00 house and lot package from a subdivision through in-house financing, paid the 20% down payment and signed a contract to sell that said I have to pay the remaining balance for five years at 16% per annum diminishing interest.

The house I got was a 45 sq. m. complete one-storey house in a 170 sq. m. corner lot. It had two bedrooms, tiled floors, a toilet, and a kitchen. During its construction, I would visit every other day after work to make sure that the workers use the right materials and to also infuse my inputs. It took four months for the house to finish and I participated in choosing the materials, height and design of the ceiling, what colors of paint to use, and tile texture and design.

When the house was finished and the keys were turned-over to me, I began with the improvements. It took another two months for the 15 sq.m. kitchen extension, perimeter fence, gate, and other ground improvements to finish. I have to admit, the house grew on me. The reason could be that I have spent a lot of time and effort overseeing its construction. There was a point that I wanted to move in there and forget about the build-and-sell thing.

Finally, I overcame myself and began to open it for rent. Fortunately and very quickly, I got a renter for my house. I had it rented for P4,000.00 a month, which covered almost 50% of my monthly amortization to the subdivision. After a year and six months, the renter bought the house from me at the price of P800,000.00 using his membership with Pag-IBIG. 

I used the money I made from this sale to start another house which I intended to sell again.   

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My First Experience of Acquiring a Low-cost House

In early 1998, I was 27, single and only a contractual employee then when I thought of buying a low cost house using my membership with Pag-IBIG Fund. It was my first time to acquire a property and I was totally inexperienced in that regard. As a contractual employee, I was not receiving a substantial salary but I still had room for a P1,700.00 monthly amortization. And so after weighing the pros and cons (the former by far outweighed the latter), I took the risk and proceeded to getting a loan. The house I got was a 30 sq. m. house on a 60 sq. m. lot priced at P180,000.00. It was a core house, which means no ceiling, no partitions and no painting. Many people refer to it as a 'matchbox' house. All it had were basic amenities like a kitchen and a toilet.

As soon as the power and water supply were made available, I started introducing some improvements to the house using a portion of my savings. First, I extended one area of the house to accommodate a kitchen and a dining area. Then, I had the roof and the house painted. The house was ready for occupancy and I was ready to move in. But then I realized that there was really no need for me to move in. I was staying then with co-employees in a convenient staff house provided by the company. And so I decided to have the house rented for P1,500.00 a month in the months that followed.

In mid 1999, with my absorption as a regular employee of my company and with the rental income still coming in, I decided to buy the adjacent 60 sq. m. corner lot from the owner of the subdivision on an installment basis. The adjacent lot cost P72,000.00 payable in one year at 16% interest. The one year payment for the extra lot ate up a big chunk of my monthly salary and my bonuses and it meant a lot of sacrifices on my part.

In the summer of 2000, just as the payment for the adjacent lot was completed, the family that was renting my house decided to buy the property from me including the adjacent lot that I bought. Wow, I sold my very first house! I made a considerable profit from the sale and I felt really good reaping the fruit of my sacrifices! This was when the idea of build and sell or build then sell hit me the first time and I intended to do it again. 

You'll never go wrong when you invest in real-estate or in a low-cost housing unit.  The demand for residential units is always on the rise as well as the prices of real-estate properties.

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My First Experience of Acquiring a Low-cost House

In early 1998, I was 27, single and only a contractual employee then when I thought of buying a low cost house using my membership with Pag-IBIG Fund. It was my first time to acquire a property and I was totally inexperienced in that regard. As a contractual employee, I was not receiving a substantial salary but I still had room for a P1,700.00 monthly amortization. And so after weighing the pros and cons (the former by far outweighed the latter), I took the risk and proceeded to getting a loan. The house I got was a 30 sq. m. house on a 60 sq. m. lot priced at P180,000.00. It was a core house, which means no ceiling, no partitions and no painting. Many people refer to it as a 'matchbox' house. All it had were basic amenities like a kitchen and a toilet.

As soon as the power and water supply were made available, I started introducing some improvements to the house using a portion of my savings. First, I extended one area of the house to accommodate a kitchen and a dining area. Then, I had the roof and the house painted. The house was ready for occupancy and I was ready to move in. But then I realized that there was really no need for me to move in. I was staying then with co-employees in a convenient staff house provided by the company. And so I decided to have the house rented for P1,500.00 a month in the months that followed.

In mid 1999, with my absorption as a regular employee of my company and with the rental income still coming in, I decided to buy the adjacent 60 sq. m. corner lot from the owner of the subdivision on an installment basis. The adjacent lot cost P72,000.00 payable in one year at 16% interest. The one year payment for the extra lot ate up a big chunk of my monthly salary and my bonuses and it meant a lot of sacrifices on my part.

In the summer of 2000, just as the payment for the adjacent lot was completed, the family that was renting my house decided to buy the property from me including the adjacent lot that I bought. Wow, I sold my very first house! I made a considerable profit from the sale and I felt really good reaping the fruit of my sacrifices! This was when the idea of build and sell or build then sell hit me the first time and I intended to do it again. 

You'll never go wrong when you invest in real-estate or in a low-cost housing unit.  The demand for residential units is always on the rise as well as the prices of real-estate properties.

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How to Solve Equity Requirement of Pag-IBIG House Construction Loan

When taking a house construction or home improvement loan from the state-run Pag-IBIG Fund, the housing agency would usually require the borrower to put up initial construction.  This is called the equity which is normally not less than 10% of the approved house construction or home improvement loan.   This part of putting up the equity is most difficult for the borrower especially if he/she didn’t prepare for this contingency.  A lot of times, I hear common sentiment from the borrowers that goes something like this:  “The reason why I took a loan from Pag-IBIG is that I don’t have to money to finance the construction.  Now, I am being asked to put up an equity.  Where would I get the money?

I understand perfectly how the borrowers feel because I had been in the same dilemma. I have to mention that prior to having the loan approved by Pag-IBIG Fund, the member-borrower has already incurred expenses.  And not just minor expenses. Obtaining a building plan and its building permit is no minor expense and building your own house is no joke at all. 

In fairness to Pag-IBIG, equity is necessary to make sure that the project will be fully completed.  In the 80’s thru 90’s, Pag-IBIG does not require this but the result: a lot of projects in the past ended up only 80% complete!  Why? You see, Pag-IBIG releases the loan proceeds in three staggered releases.  First release – 40%, second release another 40% and the last release of 20% of the approved loan.  After the first and second releases, the Fund would conduct inspection and appraisal and the inspection reports are used as basis for subsequent releases.  But on the last release (20% of the approved loan) the member-borrower may or not apply the amount on the project.  Inspection by Pag-IBIG would be futile the fact the whole loan amount has already been released to the borrower.  Of course not all borrowers did that in the past but a number of unfinished houses were reported and it defeated the purpose of Pag-IBIG to provide a decent shelter to its members. 

That is why Pag-IBIG is now requiring equity or initial construction not only to make sure that house will be completed but more importantly to protect the public fund that is entrusted to them.

So, how will the borrower proceed with the initial construction of the house? Below are some of the options that could solve the problem of the borrower:

1. Find a contractor to finance the equity requirement.  Try to ask around. The people you know might know of someone who is into this arrangement.  When you find one, just present your Notice of Approval (NOA) issued by Pag-IBIG.  Most of the time, the contractor would want you to enter into a contract.  A notarized promissory note for this matter will do.  After the contractor has put up the initial construction, have the Pag-IBIG visit and inspect the project. Make sure that the required equity is satisfied or better yet provide an extra leg room just to make sure.  Of course Pag-BIG will now release to you the first tranche of the loan and its now up to you if you want your contractor to finish the house for you or supervise the project yourself.
2. Find a Hardware Store that will agree to put up the initial construction. Do you know of someone who is into hardware/construction materials business? More often than not, Hardware stores, especially the bigger ones would be willing to provide the materials for the initial construction provided written agreements like a promissory note are to be made.  Again, you can present the Notice of Approval (NOA) issued by Pag-IBIG to strengthen your chances to get a deal with the hardware store. Don’t forget to ask if they can provide the labor for you too.
3. Pool money by borrowing from family members and other sources. Borrowing from family members would actually save you from further overhead on construction materials.  How? Contractor and hardware store onwers may agree to provide the initial construction for you but it is most likely also that they will give you higher quotation of the construction materials. If you are a member of SSS and Pag-IBIG, you can also try applying for short term loans from these agencies. SSS can lend you as much as P24,000.00 and Pag-IBIG as much as 80% of your total savings. 

I mentioned earlier that I was in the same dilemma of putting up the initial construction or equity requirement of Pag-IBIG.   I did the option no. 3.  It was all worth it.

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120 sq.m. Lot for Sale at Woodside I, Alijis, Bacolod City

For a very reasonable price of P2,700.00 per sq.m., you can have the 120 sq.m. lot located at Block 6, Lot 17 very near the club house of Woodside 1 Subdivision in Brgy. Alijis, Bacolod City.  The lot can be acquired by using your loan entitlement with Pag-IBIG Fund.  Very easy to process the acquisition of lot through Pag-IBIG Fund.

If you want a site visit please contact:

JB Lirazan or Wil Lirazan
Mobile No.: 09198836654
E-mail: wblirazan@yahoo.com

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List of Active Real-Estate Developers in Bacolod City

NAME OF DEVELOPER	ADDRESS  & CONTACT NUMBER
A.D. FARMS CORPORATION	LOPUE'S EAST CENTER, VILLAMONTE, BACOLOD CITY 4346164, 7092154
A.L. ANG NETWORK, INC.	DOOR #5, RS BLDG., HILADO EXT, BACOLOD CITY                                                          4342315
ALUNAN REALTY CO., INC.	D4, RALPH TOWNHOUSE, BURGOS EXT., VILLAMONTE, BACOLOD CITY 4344704, 4344744
BACOLOD SOUTH HOMES CORP.	D4, AU & SONS BLDG., BURGOS ST., BACOLOD CITY 4338222
BASA REALTY INC.	LACSON ST., BACOLOD CITY
FRANCISLIBBY REALTY CORP.	2/F MFC BLDG., LACSON-HENARES STS., BACOLOD CITY 4354493
HOME INVEST REALTY VENTURES	BRGY. ESTEFANIA, BACOLOD CITY                                                                       4333960
IJSV DEVT. CORP.	SAN JUAN ST., SUM-AG, BACOLOD CITY                                                                   4449014
ST. RAFAEL DEVELOPMENT CORP.	PRUDENTIAL LIFE BLDG., SAN JUAN-LUZURIAGA STS., BACOLOD CITY 4337304-11
T-MAR INDUSTRIES, INC.	BURGOS ST., VILLAMONTE, BACOLOD CITY                                                                 4323117

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Brand New House for Sale at Woodside Subd., Alijis, Bacolod City

        

Item:                  Semi Furnished Brand New House and Lot with 2-car Garage

Included Items:    2 ACs, 1 Gas range, Range Hood,2 Beds

Lot Area:              240 sq.m.

Floor Are:             120 sq.m.

Garage:                2-car

Bedrooms:            3

T&B:                    3

Toilet Only:          1

Servants Quarter   1

Location:              Woodside 1 Subd., Alijis, Bacolod City

Price:                     PHP 3.9M NOW ONLY PHP 3.7M

Some More Pictures:

Contact Person:  JB Lirazan or Wil Lirazan

Mobile Number: 09198836654

Email: wblirazan@yahoo.com

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Brand New House for Sale at Taculing, Bacolod City

Built in a 300 sq. m. lot overlooking a river is brand new two-storey house located at the Teres Homes II along Circumferential Road-Bangga Cory in Brgy. Taculing, Bacolod City.  It is available for a very reasonable price of PHP3M Now only PHP2.7M.  Big discount will be given to cash buyer.

Lot Area: 300 sq.m.

Available Floor Area: 180 sq.m.

4 BR, 2 T&B, Kitchen, Dirty Kitchen, Covered Garage

Complete with Cabinets and Closets

Here's a picture of the neighborhood:

Contact Person: JB Lirazan or Wil Lirazan

Mobile Number: 09198836654

Email address: wblirazan@yahoo.com

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