Foreclosed Townhouse for Sale in Lumina Silay, Silay City, Negros Occidental (Lot 10 Blk 10)

Through the 2nd public auction, Pag-IBIG Fund is selling this foreclosed townhouse in Lumina Silay, Barangay Rizal, Silay City, Negros Occidental. The record places it at Lot 10 Blk 10. It has 42 sqm of floor area on a lot of 36 sqm.

At ₱1,283,040, the minimum bid price works out to about ₱30,549 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. 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. 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 ₱21,393, according to Pag-IBIG, because the amortization of about ₱7,487 a month may not exceed 35% of income. The handling office is Pag-IBIG's Bacolod Branch.