Foreclosed Rowhouse for Sale in Lumina Homes, Bacolod City, Negros Occidental (Lot 3 Blk 11)

Through negotiated sale, Pag-IBIG Fund is selling this foreclosed rowhouse in Lumina Homes, Barangay Vista Alegre, Bacolod City, Negros Occidental. The listing is for Lot 3 Blk 11. The record shows a floor area of 22 sqm on a 36-sqm lot.

The minimum selling price is ₱627,100, about ₱28,505 per sqm of floor area. Having gone unsold at public auction, it is sold at a fixed price on a first-come, first-served basis. Pag-IBIG labels this stage "up to 45% discount", depending on the mode of payment and the mode of sale. The offer period was set for Oct 24 to Oct 30, 2026, closing at 11:59 PM Philippine time, with the opening of offers on Nov 3, 2026 at 9:00 AM.

The record marks the rowhouse as unoccupied. The title is under consolidation, so it is still being transferred to Pag-IBIG Fund's name. It is sold as-is, where-is, so visit the rowhouse and set aside money for repairs and any unpaid association dues before you offer.

Pag-IBIG puts the required gross monthly income at ₱10,456 for a 30-year Pag-IBIG housing loan covering the full price, which implies a monthly amortization of about ₱3,660. Paying in cash or putting more money down reduces the income needed to qualify. Pag-IBIG's Bacolod Branch is the handling office.