Foreclosed Townhouse for Sale in Lumina Bacolod, Bacolod City, Negros Occidental (Lot 16 Blk 38)

Through the 2nd public auction, Pag-IBIG Fund is selling this foreclosed townhouse in Lumina Bacolod, Barangay Vista Alegre, Bacolod City, Negros Occidental. The record places it at Lot 16 Blk 38. It has 35 sqm of floor area on a lot of 36 sqm.

The minimum bid price is set at ₱836,730 (roughly ₱23,907 per sqm of floor area). It reached the 2nd public auction after the 1st auction ended without a winning bid. Bidding is sealed again, and Pag-IBIG labels this stage "up to 30% discount", depending on the mode of payment. The published offer window is Oct 26 to Oct 30, 2026, closing at 11:59 PM Philippine time, followed by the bid opening on Nov 4, 2026 at 9:00 AM.

According to Pag-IBIG's record, the townhouse is 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 townhouse and set aside money for repairs and any unpaid association dues before you offer.

Financing the whole price with a 30-year Pag-IBIG housing loan requires a gross monthly income of ₱13,951, according to Pag-IBIG, because the amortization of about ₱4,883 a month may not exceed 35% of income. A bigger down payment, or paying in cash, lowers that requirement. Pag-IBIG's Bacolod Branch handles the sale.