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Ready-for-Occupancy (RFO) Houses & Properties in Bacolod City

Ready for Occupancy (RFO) are homes or properties that are already built by the owner and require a “spot cash” downpayment. The prevailing market rate is 15% before you can move-in. Other terms for RFO are Ready-to-Movein, Ready for Occupation, and in some cases, For Assume or Reopened. 

Spot cash / lumpsome downpayment means that you need to pay a certain percentage of the house before you can move in which usually ranges from 10% to 30%, depending on the arrangement. You can move-in once you have paid the agreed percentage, e.g. 15% usually. The remaining downpayment you can pay through instalment or PDC. The rest, you apply through bank financing and you pay the bank (or PAGIBIG if below P2M), or in some cases, direct to owner. All of these will be stipulated under the Contract to Sell.

Bank interests range from 7 to 8% and the appraisal value varies from 60 to 75%. Banks’ paying terms are up to 15 years. PAGIBIG’s usual interest rates range from 6 to 8%. As of July 2020, it’s 6.375% and maximum payment term is 30 years.

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Why lumpsome? Looking at the interest and welfare of the owner, they have already cashed out capital to construct the house. And to give fair justice, they must be compensated by at least a fair amount of return for allowing you to reside right away. A lot of people always ask for “Rent to Own” houses where they don’t want to pay spot down or “lumpsome” initially, and just want to pay “rental-like” amount per month until they own the house. If this is what they mean, then it’s certainly difficult to find and non-equitable on the part of the owner.

Yvonne Model

Map – Buena Royale DETAILS Buena Royale house and lots in Bacolod East are now available. “Buena Royale Move-Insigida”  Status: (RFO) READY FOR OCCUPANCY 2 BEDROOM

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For the interest of some of our contacts, especially in the mountains and remote lots, we require a REFUNDABLE FEE of P1,000 per day as compensation for the time, money, and energy of such contacts. This fee shall be returned if the buyer has succeeded in paying the lot in full. 

2 Bedroom Condo2 Bedroom House2 storey2 story house3 Bedroom3 bedroom condo3 Bedroom house3BR4 Bedroom5 BedroomAffordable/Low CostAgriculturalAlijisalong Bacolod-Silay Airport Access Roadalong Circumferential Roadalong highwayAmaia Steps Centrale BacolodApartment for RentApartment for SaleAyala LandBacolodBacolod EastBaguio CityBangga CorryBeach LotBeside MallBrand New House and LotBuena ParkBuena RoyaleBuilding for SaleBungalowby Cebu LandmastersCamella MandalaganCasa MiraClean titleCoHoCommercialCommercial BuildingCondoCornerstoneDeca HomesDeca Homes South Bacolod CabugEast HomesEast Homes 2East Homes 3East Homes 5Ecological/Nature CoveEstefaniaExecutive HouseExecutive SubdivisionFelisaFish FarmFortune TowneFountain GroveGranadahandumananHigh-end CondoHouse and LotIncome-GeneratingInstallmentInstallment LotLa Costa BravaLacson St.Lessandra – Camella Bacolod SouthLot – CornerLot – ExecutiveLot – For InstalmentLot – PrimeLot – ResidentialLot – RoadsideLot area 80 to 100 sqmluminaLumina Vista AlegremandalaganMansilinganManvilleManville Royale SubdManville SubdMegaworldMesavirre 1BR PricingMesavirre PricingMesavirre Studio PricingMesavirre UnitMesavirre UpdateMetro ManilaMurcianear Ayala the District TalisayNear downtown areaNear Lasalle (USLS)Near Panaad Park and StadiumNear RobinsonsNear silay international airportNear SM City BacolodNear St. Benilde MansilinganNear the seaNorthill GatewayNorth of BacolodOrchardPacific Shores TalisayPaglaum VillagePension HousePhp 7M to 12MPresellingPrice: Above P50MPrice: Below P1MPrice: P1.1M to P2MPrice: P2.1M to P3MPrice: P3.1M to P5MPrice: P5.1M to P10MPrice: P10.1M to P20MPrice: P20.1M to P50MPricing Updates – Deca Homes South Bacolod​ResidentialRFO (Ready for Occupancy)RiverwalkRockwell Land Bacolod Nara ResidencesRush – CondoRush – House for SaleRush – Lot for SaleSemi FurnishedSilaySipalay CitySMDC BacolodSouth of BacolodSpecific or Latest UnitSRDCstudio unitSubdivisionSum-agTaculingTalisay cityTangubTown and CountryUnit Pricing – Felicity Prime Velmiro BacolodUpper EastVelmiroVictorias CityVilla AngelaVilla Estefania Subd.Villa MagdalenaVillamonteWhite-SandXVA

All pricing and details stated herein are considered tentative and subject for finality upon contact, until finalization during the contract, meet-up or reservation.

All Listings are provided in good faith. If so happens that you are the legitimate owner of such property and would like to request to take down, simply contact us.