10/98: Pag-IBIG: We educate people on this alternative government financing.


Okay. The last testimony that I published was from August 26, 2018. Here is the link if you missed it:

Abba 98 Testimony 9/98

It was a hectic schedule during the last quarter of 2018, that I haven’t uploaded some new content on the site.

Since we are coming up with a small group presentation in the near future, I would like to highlight our dedication to create events for different companies.

One of our presentation that we had is from Pag-IBIG. Pag-IBIG is a government financing program that allows Filipino citizens to loan a property for up to 30 years.

We have requested the presence of Mr. Lagronio to present in behalf of Pag-IBIG Financing.



Comparing the rates today versus the banks, Pag-IBIG is slightly lower than the leading commercial banks. Here is a comparison between the two programs.




The program also allows for different types of loans. Construction and interior design services can also be loaned through the program.

How do you become a member?

First, you have to sign a set of forms, and submit it together with the minimum requirements.



Go to the nearest Pag-IBIG Office to submit the MDF form/s together the 2 valid government issued id’s and payment.

Second, you can do monthly payments or if you need to use a home loan, you can also pay the amount spot on. The staggered payments are about  P 200.00 or $ 4.00 a month.

If you have a target property in mind, I would advise that you pay the minimum amount of P4,800.00 or $91.00, spot on.

And there you go. You are ready to own a home.

If you want to check out this presentation, I would advise that you put it on loud or you can use your earphones/ headphones so you can also rewind on some important questions that we’re asked by our audience. Aside from that, Mr. Lagronio, has shared some information for some unique circumstances that may occur prior the approval of the loan.

Here is our video presentation.

These government programs has been an ideal option considering the slight increase in bank interest rates. Right now, we are promoting a new property in Pioneer – Edsa area.

I will let you know all the details about it.. Stay tuned!

For more details or questions, you may directly message us here.

Office No. 956-3284

Mobile Nos. (0915)567-7656

US Line: 001 562 443 8556








How do you furnish a Studio unit to a 1 bedroom layout?

One of our new units for lease, is ready for our long staying tenants. Ready by March 1, this cozy 1 bedroom unit is fitted with an all-white minimalist theme.

It opens up to a customized sliding door..

and to the left side is the toilet and bath..

The Toilet and Bath, was created with planks to hold the small things ( Shampoo, Conditioner, Gel, personal stuff, etc. ).


A cabinet is also present to provide for the cleaning items, towels, and various materials for cooking?


A cute Kitchen and sink was furnished by the owner..


Before moving towards the sliding door, there is a table that can function in 3 ways.

  1. Study Table ( For students )
  2. Working Table ( For Professionals )
  3. Table for their tv or laptop.


Inside the room, is a space suitable for a double bed. An enclosed cabinet is also constructed to provide for the clothing and wardrobe of the first homeowners this coming March.

Here is a walkthrough of the unit, included are the rental rates and property details:





Property Details:


1 Bedroom

Aria A Building

25.56 sqm

Fully Furnished

Monthly Rental – P25,000.00 per month


Inclusive Assoc Dues


Payment terms:


1 month advance

2 months security deposit

11 post dated checks



We are expanding our areas in Bicutan to accommodate tenants looking for a more affordable space in Bicutan- Paranaque area or near Makati City.


For inquiries.

Office No. 956-3284

Mobile Nos. (0915)567-7656

US Line: 001 562 443 8556










To furnish or not to furnish?

Our culture of making our clients happy, has allowed the addition of services that is not included in my job description. In the long run, this business is created to forge meaningful business relationships. Property acquisition is one of the biggest decisions in the life of our clients. They rely on us for advice.


Leasing their units involves one of the biggest questions as a landlord….. the question is…

To furnish or not to furnish?

Majority of our clients are investors. This just means that they bought the property, thinking that it would appreciate in value or will be profitable on their end. Rentals make it a passive investment. But sometimes, they are in a dilemma whether they would furnish the unit or not.

What is a furnished unit?

A furnished unit usually has a aircon, shower heater , bed, refrigerator, dining table, washing machine, induction and rangehood. These furnitures and equipments are the standard inclusions of a furnished unit. Adding some more furnitures to complement your prospective renter would give more value to the unit. But the next question is:

at what cost?


Cost vs. Profit

Since we try to provide our clients the best value for their money, we make sure that cost is minimized in ratio to the profit. We make sure that our investors get a healthy return on their investment. That’s why, before we rent out the unit, we give them a projection of their cost versus the revenues that they would receive.

Here is a comparison from one of our units in Makati.

In this photo, an unfurnished unit, rents out at P 18,000.00 / month.

In this one, is a furnished 1 bedroom unit. It rents out

at P 25,000.00 to P30,000.00 / month.

Here is the list of expenses for each furniture/ equipment.

lsit of applicances

All in all, the cost to furnish this unit is P159,000.00. For this price, a ballpark figure of 25 to 40% was added from the cost of rent compared to the unfurnished unit. It might be a small sum versus the cost to furnish it, but from our experience, the furnished unit rents out earlier than the unfurnished ones and haggling is minimized.

Here is an actual comparison of the rental income of a unfurnished versus the furnished unit.


So what is our conclusion?

The example that we presented is a part of a small sample size. A property located in Makati, and with the philosophy of getting furnitures that are practical. Notice the increase of rental income to 30% when we furnished the unit. In 2 years, our landlord will get their gross returns from the cost.

So for us, we think that getting the most affordable resources for equipments and furnitures are very important if you are going to use the unit for rental purposes. In this way, we do not get frustrated if our tenant breaks off some of the things ( which could probably happen ). In my experience, if the unit owner designs the unit and includes their choice of expensive furnitures in the unit, they always have a hard time of letting it go  because…

  1. It’s expensive.
  2. It’s sentimental

We usually advice our clients to detach their emotions if they are going to rent this out. Furnish your unit to your own liking if you are going to stay on it for the long term.

If you are having it rented out, we can give you some more of our best picks, ideal for rental properties.

Arah Dayao