From choosing the property that fits your needs and vision, to the whole process until turnover, I will be with you along the way.
Mark Lemuel Badayos
Licensed Real Estate Broker & Appraiser
What I mean by properly.
You've found the property.
You like it. You know the price.
The monthly sounds easy.
But nobody has shown you what it turns into once the bank loan starts.
You're not sure the person helping you is licensed. Or who they're really working for.
And you're about to commit years of payments to a building that doesn't exist yet.
It feels like walking blind. Without the full numbers, you are.
It isn't your fault. Preselling is sold on the smallest number first.
Say it's a studio in Mactan. The downpayment is ₱10,500 a month for 60 months. That's the number you hear.
Then the other 90% falls due: ₱5.9 million. Unless you pay it in cash, it becomes a bank loan. A new monthly, bigger than the first. Five years after you started paying. And an approval nobody can promise you.
You've heard the usual advice: do your own research, and choose a monthly you can manage. Both are worth doing. But neither tells you whether the property fits your needs and the life you're planning. That's the part that matters most.
What you should know in week one shouldn't take five years to find out.
This is where I come in. I'm the broker for buyers who already know what they want and need it done properly. Here is what that looks like from my side of the table.
Every conversation starts with the same question: what matters most to you? Is it the budget? Is it living close to the city, near where your days actually happen? Or is it time: do you need a place soon, or can you wait while one is built?
All three will matter. Only one can come first, and that's the one I build around. I'll test your answer gently, because what people say and what they protect aren't always the same. And if what you need is a home soon, I'll say so plainly: a building that's still years from finished can't give you that. The right price on the wrong property is still the wrong property.
Before a project reaches this site, I've checked its license to sell. My broker's license number is on every page.
Before you visit, I've checked whether a bank is likely to lend to you. I'd rather you hear “not this one” from me than from a bank in year five.
Before you pay anything, you see the whole cost, bank loan included, and every assumption behind it.
After you reserve, I help you complete the requirements and get them to the developer, so your unit is secured.
Then come the five years, and I stay for all five. Whatever comes up between the reservation and turnover, you won't be working it out alone.
And on the day you get your keys? I'll be there for that too.
I'm not here to talk you into anything. You've already chosen. My job is to make sure it's real, costed, and still answered in year four.
You'll still ask yourself kaya ra ba? Can I manage this? The difference is that you'll be answering with all five years in front of you, not just the first one.
Hangtod sa turnover. All the way to turnover.
A condominium title gives you a unit and a share of the building. Preselling costs less than a finished unit, for a reason. Checking a broker’s license takes two minutes on a government site.
Both are real titles and they describe different things. What’s printed on each, the line on a condo title almost nobody reads, and why a preselling buyer has neither one yet.
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A free two-minute check on a government site, the ordinary reasons a real license comes back empty, and why the name you were handed is often the wrong one to search.
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“Preselling is cheaper” gets repeated as fact. On a real Cebu studio, here’s what the discount actually discounts, and the three things you’re really being paid for.
Read MoreTell me what you're deciding on. You'll hear back within one working day.
