Foreclosed Rowhouse for Sale in Lumina Homes, Bacolod City, Negros Occidental (Lot 27 Blk 7)

Through the 2nd public auction, Pag-IBIG Fund is selling this foreclosed rowhouse in Lumina Homes, Barangay Vista Alegre, Bacolod City, Negros Occidental. The listing is for Lot 27 Blk 7. The record shows a floor area of 22 sqm on a 36-sqm lot.

The minimum bid price is set at ₱449,870 (roughly ₱20,449 per sqm of floor area). The 2nd public auction follows a 1st auction with no winning bid. Offers are sealed, the highest qualified offer wins at the bid opening, and Pag-IBIG gives up to 30% discount, depending on the mode of payment. Offers were scheduled from Oct 26 until 11:59 PM on Oct 30, 2026 (Philippine time); the bid opening was set for Nov 4, 2026 at 9:00 AM.

It is listed as unoccupied. The title is under consolidation, so it is still being transferred to Pag-IBIG Fund's name. Like all Pag-IBIG acquired assets, it is sold as-is, where-is: inspect it first and budget for repairs and any unpaid association dues.

The required gross monthly income for this rowhouse is ₱7,501, based on a 30-year Pag-IBIG housing loan for the full price; that points to an amortization of about ₱2,625 a month. Paying part of the price in cash or making a bigger down payment lowers the income you need. Pag-IBIG's Bacolod Branch handles the sale.