Why Buy Real Estate Now

Why Buy Real Estate Now

We’re in the midst of a pandemic and the economy is at its worst in years.

It surprises many, but people do buy real estate during a crisis. The graphs below can help better illustrate and explain why they do?

The yellow line represents the GDP growth of the Philippines or indicates its level of economic activity. Notice how it dips in times of crises and recovers? The slopes, if upward, spell growth. While downward slopes mean a slowdown.

The blue line is what we’re interested at as it represents real estate values. Property values rarely go down, and when they do during crises incidences, they’re comparably mild fluctuations. Generally, property prices appreciate through time. They’re less volatile, and more stable.

PSEI (index)

Now, to be more specific, let’s look at the Stock Market’s performance as represented by the PSEI (index). In the graph below, it’s the blue line. It more closely resembles the GDP curves above, right? It’s even more “jagged,” meaning it more easily reacts to situations, good or bad. When that line dips, it means, money is taken off the stock market and placed elsewhere.

Where do you think will the investors keep their funds? Piggybank? Many decide on placing them on real estate. It may be less liquid, but property investments provide more advantages. Depending on the type, some properties can be leased out and become a source of recurring income. This is while its property values continue to rise. One can even use them personally.

Some property developers caught with excessive inventory in times of crises offer discounts or friendlier payment terms just to generate some cash. Those who bailed out from stocks or other money market investing will take advantage of such offers. Hence, it is really no wonder why people (to include yourself) continue to buy real estate now, amidst a pandemic or in the midst of crisis.

Green Home and Biophilia

Green Home and Biophilia

Homes, be it in a vertical condominium or in an expansive subdivision, shelter and support life. Green architecture and sustainable development have proven to be more than just lifestyle fads. One’s well-being has taken on the spotlight these days, and in this post, we’ll tackle one not-so-difficult way homeowners can avail and enjoy it.

One can deduce what the BIG word in the title means as most know what BIOLOGY means and have heard of the word PEDOPHILIA.

biophilia

BIOPHILIA is the LOVE of LIFE of living creatures.

It is rooted in psychology, and we’ll not go deeper into it than to know how it affects the design of GREEN HOUSES or GREEN HOMES. There is a specific hypothesis by biologist, Edward Wilson from the book titled, BIOPHILIA (of course), which states that “there is an instinctive bond” between us, humans, and the living systems.

The hypothesis if true, as I believe so, gives more weight to the need for more and aptly-sized view windows. Windows then are not just for ventilation and lighting. They also address a deeper-seated need for us to reconnect with nature — to let nature in our buildings.

The sad fact of development is that most times we force our buildings into nature. Aren’t these too disturbingly familiar? Bulldozers plowing through vegetation and unmindfully ecosystems; behemoth structures blocking light, air and views; bodies of water being piled on upon by reclaimed soil; age-old trees being cut or balled off; mountains being levelled down for airports — human necessities have often called upon decisions and actions that have trampled upon nature with reckless impunity. Apparently, we’ve not just been educated enough, then. Then is the time when climate change’s effects haven’t been felt yet.

Living with Green Home and Biophilia

Now, that we’re hearing of the lessons loud and clear. We’re also, good to be reminded of this relationship we have with nature. It is a love story of love being rekindled after painful realizations of the ails of being apart and being against one another.

Researches have concluded that being able to view the “living” outdoors during the workday is conducive to physical and mental health. Even studies on students agree: those with views of nature score higher in academic tests. Sales of a retail store chain also proved higher when store buildings are lighted by natural daylight. Patients in hospitals with natural elements (ponds, garden) also show higher healing/recovery rates.

Have you been unproductive or sickly lately? Maybe, you’re spending so much time in front of your computer in your 4-walled cubicle. Maybe you’re home has too many walls and less windows. Get out and get some sunshine and fresh air.

Are you in a stage of home selection? Be it in a horizontal village or a multi-storey condominium, having access to gardens and trees, through their parks, walkways, and open spaces are more than a treat. Having windows with views of nature likewise help.

Green architecture is all about life and living happy and healthy lives.

Reference: Green Building A to Z (Understanding the Language of Green Building) by Jerry Yudelson

Home Which Home: Guide for Making the Right Choice

Home Which Home:  Guide for Making the Right Choice

A home is where we shall spend much of our lives daily in much of our lifetime, and maybe that will also be so even for our children.

The home is also, commonly, the biggest expense one makes. Buying a home is like making the right investment: you pay a price, and expect it to provide you dividends, grow in value in time and become a real asset in many ways.

As a licensed real estate appraiser, civil engineer and business development advisor, I present your guide on how we should choose the home that will be of most value now and in the future. For brevity, I listed them down in the bullet points below.

LOCATION

  • It’s a cliché and hyped as the 3 most important things to look out for in real estate, but “location, location, location” does matter greatly. Why? Each point in space is unique. It is irreplaceable. However, uniqueness does not point to absolute good. It can be distinctly the opposite. What qualities then should we look for given a location?
  • One is proximity to all places that’s essential to one’s life and lifestyle. Most would have these in their list, but they’d vary in rank of importance:
    • Places of work or where one makes a living
    • Schools
    • Markets, malls, and shops
    • Café’s and restaurants
    • Churches
    • Parks, playgrounds, theaters, gyms, museums, and game arcades
    • Hospitals and clinics
    • Government offices
    • Transport terminals
    • Beach, mountain, and other natural amenity
  • Two, is safety and security. A home, after all, is also referred to as shelter, a refuge or a safe haven. Ask similar questions to these?
    • … gated community with guards, CCTV, and perimeter fence?
    • Is the area known to be a hotbed for terrorism or crimes?
    • … area prone to flooding, or any natural hazard?
    • Is it in a highly polluted area?

QUALITY

  • Other than LOCATION, QUALITY is the next big word to consider in assessing your home choices. It can refer to any of these:
    • Traffic – how smooth or bearable is the road traffic going to and from the subdivision? How many minutes is the travel time?
    • House structure and finishes – you can verify if the developer undergoes technical testing during their construction. The government regulates the construction of homes and inspects prior to occupancy. The developer is granted the Building Permit and the Occupancy Permit if they are follow the requirements and standards set for safe and quality homes.
    • Aesthetics – “beauty is in the eye of the beholder”, true; but certain house designs allow for universal appreciation somehow when they’re simple and clean-cut.

AFFORDABILITY

  • Lastly, the right choice should be one you can well afford. The purchase cost should allow you to live the lifestyle you wish. There should still be enough for your kid’s education, your basic needs, and some life pleasures–shopping, travel and dining for example.

It is important that one consider all of the above. A proper assessment can only be had if you do an actual visit or tripping to the home under consideration.

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Continued Connectedness Via Virtual Meetings

Continued Connectedness Via Virtual Meetings

Video conference Apps, Tools and Tips

Lives and livelihoods need to go on even with the pandemic imposing physical hurdles.
Everyone is advised to keep distance or to isolate as safety comes first. People, however, are social beings, and the need to interconnect and communicate are also vital. Thanks to technology, we are equipped and enabled to reach out with and among coworkers, friends and family.

Here are some tools or apps which you can use for group virtual meetings.

  1. Zoom – one of the most popular apps or websites currently. It, however, has received flak due to discovered security vulnerabilities. It can host max of 100 participants for free.

Learn zoom via PC via youtube tutorial, click to view.

Learn zoom via smartphone via youtube tutorial, click here.

  1. Skype Meet Now – one of the earliest and most-widely used app out there has extended its capabilities. It is free to use and supports up to 50 participants even for long meetings.

Learn Skype Meet Now via youtube tutorial, click to view.

  1. Google Hangouts or Microsoft Teams – from the tech giants and works best if you’re a user of their office tool packages
  2. Others – it’s good to know that there are several alternatives, so do check out what best fits your needs. Examples: Jitsi Meet, Slack, Cisco Webex, Starleaf, Whereby, BlueJeans, etc.

You just need a smart phone, laptop, PC or tablet with camera, microphone, and internet connectivity, and an environment conducive for meetings.

Aside from the tools, one has to be prepared as if going to a real, live, face-to-face meeting. The agenda, meeting notes, reports, and presentations should be ready. Send these in advance, if possible, so the actual meeting can be an informed one, and thus, can be shorter. Each one has to behave appropriately. Here are some tips from the St. Leo University Office of Information Technology, I’d like to share:

The 8 Do’s of Video Conferencing Etiquette

  • be courteous to other participants
  • speak clearly
  • keep body movements minimal
  • move and gesture slowly and naturally
  • maintain eye contact by looking into the camera
  • dress appropriately
  • make the session animated
  • be yourself and have fun!

The 7 Don’ts of Video Conferencing Etiquette

  • make distracting sounds
  • shout
  • make distracting movements
  • interrupt other speakers
  • carry on side conversations
  • wear “noisy” jewelry
  • cover the microphone

Real world success can survive with the available tools, positive outlook and established organizational values, mission and vision. Consider the prevailing pandemic as an environment to learn to adapt and beat the challenges.

Housing Loan Approval Tips

Housing Loan Approval Tips

Not everyone who applies for a housing loan, get the approval they want. There are ways, though, that can bring up your chances to obtain a “yes”. One can relate the process to courtship. One needs to show his best self, but his best self should match and pass the desires and criteria of the coveted one.

What then do lenders look for in a housing loan applicant?

  • A sizeable income that can cover monthly amortizations.
  • They seek for stability. It is not enough that one has a source of income, it has to flow in steadily. Although no one is certain of the future, past occurrences help predict the forthcoming outcome. Some banks look at, 2 years minimum, of steady employment.
  • Trustworthiness and reliability: as in all relationship this is a must and needs to be tested and proven. Have you been diligent in paying you other debts or your utility bills?
  • Does the borrower have back-up—a guarantor who can support when the unexpected comes? Guarantors who possess high credit rating can enhance the likelihood of the housing loan approval.
  • Be invested on it. Provide enough equity from your savings to reduce the loan amount. It’s advisable to be ready with your own cash, at least equivalent to 20% of the desired home’s selling price.
  • Be prompt and available. Complete requirements and respond to queries on time, all the time. Don’t let them wait and doubt. Your actions speak volumes about your character.

Go gain the approval that you have well proven to deserve. There’s no such thing as luck in love, and so is there none in housing loan applications.

Real State and Optimism in the Nation’s Real Estate Industry

Real State and Optimism in the Nation’s Real Estate Industry

Amidst the lockdown, the spirit and atmosphere that prevail in the real estate industry in the Philippines is of pragmatism and fear on the present, and hopefulness and eagerness to bounce back on the future.

Industry analysts from Colliers International and Santos Knight Frank Santos have chimed in on the data from Oxford Economics. And the international banking community that generally states that economic growth will, as initially projected, go unrealized.

JP Morgan Chase Bank has stated that it reduced the country’s full year gross domestic product (GDP) growth projection to 5.1 percent year on year from an initial forecast of 6.2 percent, citing that “the impact of the COVID-19 outbreak on the Philippine economy may be larger than first anticipated.” Oxford Economics which forecasts that the Philippine economy will rise by 3.9 percent in 2020 down from its original forecast of 5.9 percent. Global stock markets reeled to historical lows, underscoring the economic impacts of the pandemic.

Santos Knight Frank, though expresses optimism, saying that: “despite the impact of COVID-19 and downturn in international stock markets, the Philippine real estate industry continues to have reasons to be optimistic.”

Philippine Real Estate in 2020

They cited seven trends they’ve identified early on that’ll shape Philippine real estate in 2020. “These include the roll out of real estate investment trust (REIT), which is seen to unlock a number of opportunities in the property market; continued expansion of business process outsourcing industry as fueled by healthcare, animation and game development; and the growth of co-working spaces.
Other trends include: developers’ new focus on sustainability as they become increasingly aware of their environmental impact; the growing requirements of industrial and logistics industries
. Which have turned their sights outside the capital region for new sites for expansion; Metro Manila remaining a prime residential market; and finally, the growth of co-living spaces, as well as the rise of the micro-studio as a halfway home for Metro Manila’s workforce.”

Colliers, on the other hand, gave credit to the “coordinated policy and monetary response from the Philippine government and the Bangko Sentral ng Pilipinas“. Which is to boost the morale and confidence of the investors and proponents in the Philippine real estate sector. And this they say can happen even before the yearend. Oxford Economics also anticipates a quick recovery in 2021, with the country’s GDP projected to grow by 7.3 percent.

The demand and the continuous need for space and its utilization for commerce in office, shops, residential units, logistics buildings, and hotels will persist in the real long term. It has stalled and has receded, but like a rubber band, building up potential energy. It’ll spring back to life in due time. The world was caught off guard, unprepared with a disease without a cure or a preventive vaccination; and national governments have yet to experience the scope and speed of the spread. Thus the current social and economic predicament. This, however, is seen to be cured in time, by time. Research, testing, planning, organizing, adjusting, and managing — they all take time, after all.

References: Philstar.com. and Inquirer.net

Taxes and Fees in Home Ownership

Taxes and Fees in Home Ownership

No less than the great Benjamin Franklin said this: “…but in this world nothing can be said to be certain, except death and taxes.”  Can we then say as well, that we should be at home with taxes?

If we can’t avoid them, we should learn about them: what they are and how much should they cost us.

1. Documentary Stamp Tax

The D.S.T. is an excise tax imposed and collected on documents, loan agreements, instruments, and papers evidencing the acceptance, assignment, sale or transfer of rights, obligation, or property. The amount of tax can be fixed or based on the face or par value of the document or instrument. This is equal to 1.5% of the highest value among the following: property’s selling price, zonal value, or fair market value. The documentary stamp tax is paid to the Bureau of Internal Revenue (BIR)

2. Transfer Tax

This tax is imposed on the sale, barter, or any mode of transfer of ownership or real property title. It’s computed at the maximum rate of 50% of 1% of the property’s value. If, however, the property is located within Metro Manila, it’s computed as 75% of 1 of the property’s value.

The Transfer Tax is paid to the local treasurer’s office.

3. Registration Fee

In registering the real estate property tile to the new owner, a Registration Fee needs to be paid to the Registry of Deeds. The amount to be paid varies depending on property type and where it is located. Most often, it is around 0.25% of the selling price.

4. Notarial Fees

All documents requiring notarization, will require the payment of Notarial Fess. The Deed of Absolute Sale when notarized, for example, requires a fee of typically 1% to 2% of the property’s selling price and no lower than P1,000.00.

5. Capital Gains Tax

Gains from the sale of capital assets are levied taxes called the Capital Gains Tax or C.G.T. It is computed as 6% of the selling price, zonal value or fair market value, whichever is higher. It is for the account of the seller of the capital asset.

What are capital assets? From accounting, we learned that Capital Assets are properties that are expected to generate value over a long period of time. They form the productive base of a company or an organization. From a legal definition: Capital Assets refer to all real properties held by a taxpayer, whether or not connected with his trade or business, and which are not included among the real properties considered as ordinary assets. Just as an added nugget of info, Ordinary Assets are another type of asset that is taxed differently. They include real properties that are really intended for sale in the course of one’s business.

6. Real Property Tax

R.P.T.s are one of the main sources of revenues for the local government units or L.G.U.s, as is mandated in the Local Government Code of 1991, R.A. 7150.

RPT is required to be paid yearly. It is imposed on all types of real properties including lands, buildings, improvements, and machinery. To avoid excessive use of such authority, limitations were established by setting specific percentages for the ceiling and base rates. It is computed by multiplying the assessed value of the property by the R.P.T. rate. For the cities and in Metro Manila, it is two percent (2%) while for provinces it is one percent (1%). The assessed value or taxable value of the property is the F.M.V. or Fair Market Value multiplied by the Assessment Level. For residential properties, the maximum assessment level is 20%, while for industrial and commercial properties, it is 50%. There are variations from locality to locality; hence, it’s best to check.

Let’s end with another quote from Mr. Franklin: “An investment in knowledge pays the best interest.” If you miss any of the above unavoidable taxes, the penalties and consequences of not paying, can increase in multiples; thus, taking knowledge and taking heed would be equivalent to making a wise investment.

Acronyms to Home Ownership: LOI, RA, CTS, DOS, TD, AND TCT

Acronyms to Home Ownership: LOI, RA, CTS, DOS, TD, AND TCT

We learned to read after our mastery of our ABCs. Before you get to own your new home. You need to master a series and combination of letters, and what they mean: LOI, RA, CTS, DOS, TD, and TCT.

 L.O.I. – Letter of Intent

It’s a letter written by the buyer signifying interest in the purchase of a home. It should contain the price, amount of deposit, timetable, and other details about the product and future sale transaction. It is usually written at a time, when details could still change, thus it is non-binding. Actually, one can skip this step, and proceed straight. When everything is set in order, when the project already has completed all the permits and clearances—to the signing of the R.A..

R.A. – Reservation Agreement

It is the agreement that spells out the terms and conditions with regards to the payment of the R.F. (Reservation Fee). It stipulates that the RF will be forfeited when the buyer does not proceed to sign the contract to sell, or for whatever reason does not pursue with the purchase. It also serve as the basis for the Contract to Sell. The R.F. is also known as “earnest money” for most.

It is a token amount in terms of percentage to the total selling price, typically from P5K to P50K, depending really on how expensive the product is. By signing the R.A. and paying the R.F., the buyer is assured that the particular unit or home he/she has chosen is reserved to him/her only; but only for a limited time. Typically, the deadline is one month before one proceeds to next vital step (C.T.S.). But it varies from project to project.

C.T.S. – Contract to Sell

It is a document where the seller or developer promises to transfer to the buyer the ownership and physical possession of the housing unit. It’s stated that this can happen once the buyer fulfills the terms of the sale, and the buyer obligates himself to pay the total contract price. And continue to abide with all the other terms and conditions of the sale. It will be used as the legal basis on the right of the buyer to demand a D.O.S. (Deed of Sale) when the property is fully paid. Take note, though, that the C.T.S. is not enough basis for the transfer of title to buyer’s name. It is merely the legal document that to compel the seller or developer to execute the D.O.S. once the property has been fully paid and/or once all conditions in the C.T.S. have been complied with.

D.O.S. – Deed of Sale

It is the final contract that is required by the R.D. (Register of Deeds) for the legal transfer of ownership. A precondition to this is full payment of the T.C.P. (Total Contract Price), thus, if it’s installment, this shall happen only after several months or years. The D.O.S. is the basis for the issuance of the Transfer Certificate of Title (TCT) if it’s a lot purchase or Condominium Certificate of title (CCT) if it’s a Condominium unit purchase. This, by the way, is subject to compliance to the project’s Deed of Restrictions or Master Deed with Declaration of Restrictions.

T.C.T. – Transfer Certificate of Title

It is the final and strongest proof of ownership. Ownership of a subdivision lot is evidenced by a T.C.T. that is issued by the R.D. or the Register of Deeds of a particular city or municipality where the subdivision project is located. For a condominium unit, ownership is evidenced by a condominium certificate of title (CCT). Upon the payment of the relevant taxes and fees to the government units and agencies, and obtaining the necessary clearances to register the property from the BIR and the local government unit concerned. The TCT or CCT shall be transferred from the name of the developer to the buyer by the appropriate Register of Deeds.

T.D. – Tax Declaration

It is also known as the Declaration of Real Property. The Tax Declaration, is a property record, which is a traditional assessment document maintained by the municipal, provincial, or city assessors. Indicating, among others the market values and assessed values of the property. These serve as the basis for the collection of the R.P.T. or Real Property Taxes.

The TD covering the lot and/or dwelling unit or condominium unit shall be transferred by the appropriate City Assessor from the seller or developer to the buyer after the submission of the D.O.S. and the BIR tax C.A.R. (Clearance Authorizing the Registration) of the property in the name of the buyer.

There are more acronyms you’d; come across along the way; but these are the key ones you have to know on your journey to your newly bought home.

Licensed Real Estate Broker – Do I Need One?

Licensed Real Estate Broker – Do I Need One?

Do you go to any healer or to an M.D.? Buying a home may not be question of life or death, but consider what you’re risking or staking could weigh or mean a lifetime of hard work and experience that could either be good or bad.

The question in the title, can best be discussed by examining the law that established the professionalization of the real estate proferssion— Republic Act 9646 or the RESA. The Real Estate Service Act governs not just the Brokers’ and Salespersons’ practice, but also of Real Estate Appraisers’, Assessors’ and Consultants’. We, however, shall focus on the selling professionals.

Yes, real estate selling is governed by law, and those who are not duly licensed can be penalized up to P200K and/or imprisoned for 4 years. There are those who sell real estate illegally, and the practice remains regrettably rampant as many are still unaware of this law.

How does this law benefit home buyers, and makes it imperative to seek the services of the licensed professional broker, anyway?

The law aims to “develop and nurture through proper and effective regulation and supervision a corps of technically competent, responsible and respected professional real estate service practitioners whose standards of practice and service shall be globally competitive and will promote the growth of the real estate industry”.

“…develop and nurture…” refers to the schooling and continuous training and education of the licensed brokers and sellers. One needs to possess a Bachelor’s degree in Real Estate Service and needs to pass a licensure examination given by the PRC or Professional Regulation Commission. A graduate cannot even take the exam, if one is not “of good moral character” and “not have been convicted of any crime of moral turpitude”. Only qualified examinees can take the 2-day examinations, which cover the following subjects:

  • Fundamentals of property ownership
  • Code of ethics and responsibilities
  • Legal requirements for real estate service practice
  • Real estate brokerage practice
  • Subdivision development
  • Condominium concept
  • Real estate finance and economics
  • Basic principles of ecology
  • Urban and rural land use
  • Planning, development and zoning
  • Legal aspect of sale, mortgage and lease
  • Documentation and registration
  • Real property laws, and
  • Any other subjects as may be determined by the Professional Regulatory Board

Periodically, each one is required to undertake a certified CPE or Continuing Professional Education seminar, to earn ___ number of units at the minimum, as a requirement for the renewal of their license. This way everyone is kept abreast of new developments or kept knowledgably sharp and competent.

As you can determine from above, a licensed broker should be hard working, disciplined, skilled, knowledgeable and of good moral conduct.

“…effective regulation and supervision…” ensure that the licensed brokers and salespersons follow the laws, rules, regulations, codes, ordinances, and ethical standards set by the government and by the Board. One’s license can be revoked or suspended for unprofessional or unethical conduct; malpractice or violation of rules, etc. The Board is charged to promulgate, administer and enforce the rules and regulations; hear or investigate violations; monitor the conditions affecting the professional practice; and other tasks that help uplift the real estate profession, industry, and the Philippine economy as a consequence.

Accountability and responsibility are expected of each professional.

The Professional Real Estate Brokers and PRC accredited Salespersons guide, help negotiate, assist, and advice the clients in fulfilling or closing of sales or lease transactions. They, in turn, receive compensation and/or commissions for services well rendered. In order to perform these, shouldn’t one possess the knowledge, skills and principles of a licensed professional?

Especially with the purchase of homes, which constitute perhaps the biggest investment in their life for many; and could spell safety, comfort and quality living or their opposite for years or decades to come, the professionalization of real estate practice proves essential.

Home Developer’s Story

Home Developer’s Story

8990 Holdings, Inc. (HOUSE) is a one of the fastest growing and most recognized home developers in the Philippines. It has helped realize the dreams of thousands of hardworking Filipinos by developing home products that are affordable.

The mass housing developer, unknown to many is formerly IP Converge Data Center, Inc.. It started out as in I.T. and telecommunications firm in 2005. On October 1, 2013, the Securities and Exchange Commission approved the change in its corporate name to the present one and the change in its primary purpose to that of a holding company.

The company has evolved and grown, feeding off success after success. It used to be known for their expansive low cost mass housing projects outside of the metropolis. In the recent years, though, through dedicated planning, problem solving, and conscientious work, it has established a name for constructing similarly affordable homes within Metro Manila. This time, they have mastered the craft of building vertically economically. Inexpensive condos were rare. Developers avoid the risks on taking on such challenging undertakings. Urban DECA Homes, the brand, it is now known by, is no ordinary home developer, however.

Indeed, 8990 Holdings is changing the game of mass housing by debunking the myths of shadiness, low margins, and risky clients. We realized early on that mass housing is not about houses, it’s about people.

Construction and planning are just a few of their strengths. Their home buyers could attest to satisfaction and delight also on the provision of friendly payment terms, customer service and optimal product quality. Home developers with the buyers’ needs in mind and wants also in heart are worthy of trust for longterm investment and lifelong living along with.

Home Developer’s Vision

In providing decent shelter to the Filipino Family, we shall conduct our business with the utmost integrity, fairness and competence, maximizing the value we provide our customers, suppliers, investors, shareholders and Philippine society in general.

Home Developer’s Mission

To be the most admired company in terms of industry leadership in price, quality and service.

8990’s Core Values

Throughout our first decade of existence, 8990 Holdings has become a strong and stable business due to our Five Pillars, namely:

Competitiveness – Guaranteed Best Price
Competence – Quality building technology
Dependability – Nationwide track record
Innovation – CTS Gold Financing
Commitment – Worry-free comprehensive service

Home Developer’s Address

2nd Flr. PGMC Bldg. 76 Calbayog cor. DM Guevarra St., Mandaluyong City

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