Foreclosed Townhouse for Sale in Deca Homes South Bacolod, Bacolod City, Negros Occidental (Lot 18 Blk 145)

This foreclosed townhouse is in Deca Homes South Bacolod, Barangay Cabug, Bacolod City, Negros Occidental, and Pag-IBIG Fund is offering it through the 2nd public auction. The listing is for Lot 18 Blk 145. The record shows a floor area of 38.5 sqm on a 35-sqm lot.

The minimum bid price is ₱1,054,170, about ₱27,381 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 published offer window is Oct 19 to Oct 23, 2026, closing at 11:59 PM Philippine time, followed by the bid opening on Oct 28, 2026 at 9:00 AM.

According to Pag-IBIG's record, the townhouse is 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 townhouse before making an offer.

Financing the whole price with a 30-year Pag-IBIG housing loan requires a gross monthly income of ₱17,577, according to Pag-IBIG, because the amortization of about ₱6,152 a month may not exceed 35% of income. Pag-IBIG's Bacolod Branch handles the sale.