Foreclosed Rowhouse for Sale in Lumina Silay, Silay City, Negros Occidental (Lot 77 Blk 13)

This foreclosed rowhouse is in Lumina Silay, Barangay Rizal, Silay City, Negros Occidental, and Pag-IBIG Fund is offering it through the 2nd public auction. The record places it at Lot 77 Blk 13. It has 22 sqm of floor area on a lot of 36 sqm.

The minimum bid price is set at ₱604,980 (roughly ₱27,499 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.

According to Pag-IBIG's record, the rowhouse is 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.

Pag-IBIG puts the required gross monthly income at ₱10,087 for a 30-year Pag-IBIG housing loan covering the full price, which implies a monthly amortization of about ₱3,530. A bigger down payment, or paying in cash, lowers that requirement. Pag-IBIG's Bacolod Branch handles the sale.