Foreclosed Duplex House and Lot in Deca Homes South Bacolod, Bacolod City, Negros Occidental (Lot 12 Blk 45)

This foreclosed duplex house with eaves is in Deca Homes South Bacolod, Barangay Cabug, Bacolod City, Negros Occidental, and Pag-IBIG Fund is offering it through the 2nd public auction. The record places it at Lot 12 Blk 45. It has 29.48 sqm of floor area on a lot of 60 sqm.

The minimum bid price is ₱996,210, about ₱33,793 per sqm of floor area. With no winning bid in the 1st auction, the property went back to sealed bidding, where the highest qualified offer wins at the bid opening. The discount at this stage is up to 30%, depending on the mode of payment. The offer period was set for Oct 26 to Oct 30, 2026, closing at 11:59 PM Philippine time, with the bid opening on Nov 4, 2026 at 9:00 AM.

It is listed as occupied, and dealing with any occupants is the buyer's responsibility. The title is already in the name of HDMF (Pag-IBIG Fund). It is sold as-is, where-is, so visit the house and set aside money for repairs and any unpaid association dues before you offer.

Pag-IBIG puts the required gross monthly income at ₱16,610 for a 30-year Pag-IBIG housing loan covering the full price, which implies a monthly amortization of about ₱5,814. Pag-IBIG's Bacolod Branch is the handling office.