Foreclosed Lot for Sale in St. Sophia Homes, Urdaneta City, Pangasinan (Lot 31 Blk 05)

This lot is a Pag-IBIG Fund foreclosed property in St. Sophia Homes, Barangay Pinmaludpod, Urdaneta City, Pangasinan, offered through negotiated sale. It sits at Lot 31 Blk 05. The lot measures 80 sqm.

At ₱408,000, the minimum selling price works out to about ₱5,100 per sqm of lot area. Negotiated sale is for properties that went unsold at public auction: they are sold at a fixed price, first come, first served, with a discount of up to 45% depending on the mode of payment and the mode of sale. The published offer window is Oct 10 to Oct 16, 2026, closing at 11:59 PM Philippine time, followed by the opening of offers on Oct 21, 2026 at 9:00 AM.

The record marks the lot as unoccupied. The title is already in the name of HDMF (Pag-IBIG Fund). Like all Pag-IBIG acquired assets, it is sold as-is, where-is: inspect it first and budget for any unpaid association dues.

Financing the whole price with a 30-year Pag-IBIG housing loan requires a gross monthly income of ₱6,803, according to Pag-IBIG, because the amortization of about ₱2,381 a month may not exceed 35% of income. Paying in cash or putting more money down reduces the income needed to qualify. Pag-IBIG's La Union Branch handles the sale.