Foreclosed Duplex House and Lot in Deca Homes South Bacolod, Bacolod City, Negros Occidental (Lot 20 Blk 52)

This duplex house with eaves is a Pag-IBIG Fund foreclosed property in Deca Homes South Bacolod, Barangay Cabug, Bacolod City, Negros Occidental, offered through negotiated sale. It sits at Lot 20 Blk 52. The house has 29.48 sqm of floor area and stands on a 60-sqm lot.

The minimum selling price is ₱1,203,500, about ₱40,824 per sqm of floor area. The property went unsold at public auction, so it is offered at a fixed price, first come, first served; the discount of up to 45% depends on the mode of payment and the mode of sale. Offers were scheduled from Oct 17 until 11:59 PM on Oct 23, 2026 (Philippine time); the opening of offers was set for Oct 27, 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. Its title is still under consolidation, meaning the transfer to Pag-IBIG Fund's name is not yet complete. 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 ₱20,067, according to Pag-IBIG, because the amortization of about ₱7,023 a month may not exceed 35% of income.