Foreclosed Rowhouse End Unit for Sale in Lumina Bacolod, Bacolod City, Negros Occidental (Lot 1 Blk 12)

Through the 1st public auction, Pag-IBIG Fund is selling this foreclosed end-unit rowhouse with a firewall in Lumina Bacolod, Barangay Vista Alegre, Bacolod City, Negros Occidental. The listing is for Lot 1 Blk 12. The record shows a floor area of 22 sqm on a 54-sqm lot.

The minimum bid price is set at ₱647,100 (roughly ₱29,414 per sqm of floor area). In the 1st public auction, sealed offers must meet the minimum bid price, and the highest qualified offer wins when the bids are opened. There is no discount at this stage. The offer period was set for Oct 12 to Oct 16, 2026, closing at 11:59 PM Philippine time, with the bid opening on Oct 22, 2026 at 9:00 AM.

It is listed as unoccupied. Pag-IBIG's remarks list the title as under consolidation, which means it is not yet in the Fund's name. The sale is as-is, where-is, which leaves repairs and any unpaid association dues to the buyer, so inspect the rowhouse before making an offer.

The required gross monthly income for this rowhouse is ₱10,789, based on a 30-year Pag-IBIG housing loan for the full price; that points to an amortization of about ₱3,776 a month. A bigger down payment, or paying in cash, lowers that requirement. Pag-IBIG's Bacolod Branch is the handling office.