Foreclosed Rowhouse for Sale in Lumina Silay, Silay City, Negros Occidental (Lot 42 Blk 12)

This rowhouse is a Pag-IBIG Fund foreclosed property in Lumina Silay, Barangay Rizal, Silay City, Negros Occidental, offered through the 2nd public auction. It sits at Lot 42 Blk 12. The rowhouse has 22 sqm of floor area and stands on a 36-sqm lot.

The minimum bid price is ₱604,980, about ₱27,499 per sqm of floor area. With no winning bid in the 1st auction, the property went back to sealed bidding, where the highest qualified offer wins at the bid opening. The discount at this stage is up to 30%, depending on the mode of payment. The offer period was set for Oct 26 to Oct 30, 2026, closing at 11:59 PM Philippine time, with the bid opening on Nov 4, 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. 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.

Financing the whole price with a 30-year Pag-IBIG housing loan requires a gross monthly income of ₱10,087, according to Pag-IBIG, because the amortization of about ₱3,530 a month may not exceed 35% of income. The handling office is Pag-IBIG's Bacolod Branch.