Foreclosed Townhouse for Sale in Lumina Homes, Bacolod City, Negros Occidental (Lot 80 Blk 25)

This townhouse is a Pag-IBIG Fund foreclosed property in Lumina Homes, Barangay Vista Alegre, Bacolod City, Negros Occidental, offered through the 2nd public auction. The record places it at Lot 80 Blk 25. It has 42 sqm of floor area on a lot of 36 sqm.

The minimum bid price is set at ₱1,055,700 (roughly ₱25,136 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.

The record marks the townhouse as 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.

Pag-IBIG puts the required gross monthly income at ₱17,602 for a 30-year Pag-IBIG housing loan covering the full price, which implies a monthly amortization of about ₱6,161. Pag-IBIG's Bacolod Branch handles the sale.