Foreclosed Duplex House and Lot in Deca Homes South Bacolod, Bacolod City, Negros Occidental (Lot 23 Blk 61)

Through the 2nd public auction, Pag-IBIG Fund is selling this foreclosed duplex house with eaves in Deca Homes South Bacolod, Barangay Cabug, Bacolod City, Negros Occidental. It sits at Lot 23 Blk 61. The house has 29.48 sqm of floor area and stands on a 60-sqm lot.

The minimum bid price is ₱996,210, about ₱33,793 per sqm of floor area. It reached the 2nd public auction after the 1st auction ended without a winning bid. Bidding is sealed again, and Pag-IBIG labels this stage "up to 30% discount", depending on the mode of payment. The published offer window is Oct 26 to Oct 30, 2026, closing at 11:59 PM Philippine time, followed by the bid opening on Nov 4, 2026 at 9:00 AM.

The house is occupied, according to Pag-IBIG, so factor in the time and cost of dealing with the occupants. The title is already in the name of HDMF (Pag-IBIG Fund). The sale is as-is, where-is, which leaves repairs and any unpaid association dues to the buyer, so inspect the house before making an offer.

Financing the whole price with a 30-year Pag-IBIG housing loan requires a gross monthly income of ₱16,610, according to Pag-IBIG, because the amortization of about ₱5,814 a month may not exceed 35% of income. Pag-IBIG's Bacolod Branch is the handling office.