Experience an exceptional residential lifestyle at the heart of Cebu
Citylights Garden by is a residential in Cebu, one of the top cities in Cebu. Citylights Garden provides its residents with a lifestyle of privilege that many people can only dream of. is yet again breaking the boundaries of residential living by bringing comfort and affordability, ensuring residents live the life they deserve as they create more amazing memories with their families.
These makes getting a unit at Citylights Garden worth every cent. Properties within Apas area are quite strategically-located that's why owning a is a worthwhile investment one can make.
Choosing the right location is one of the first and main factors in deciding when buying or renting a property. Citylights Garden is in a prime location in Apas, Cebu, within a convenient distance from establishments like schools, churches, malls, offices and restaurants, making a Citylights Garden purchase perfect for those starting a family, a student or a professional looking for a place near their work and school.
Affordable Housing Loans You Can Get To Buy a New
There are a lot of affordable housing loans that you can consider to help you buy the new you’ve been dreaming of.
PAG IBIG Housing Loan (HDMF)
One of the most popular ones is the PAG-IBIG Housing Loan or the Home Development Mutual Fund (HDMF for short), a fund dedicated to the creation and establishment of a national savings program and an affordable shelter financing scheme for Filipinos.
The PAG-IBIG Housing Loan allow members to borrow money from the fund for the purchase of property or for the renovation or improvement of existing properties.
Most of the employed Filipinos have PAG-IBIG accounts because the government requires this to all employers.
Pag-IBIG Fund members can pay off their housing loan for as long as 30 years.
Commercial Bank Housing Loans
There are tons of major banks in the Philippines that offers housing loan with much affordable interest rates than PAG-IBIG.
Housing loan interest rates charged by major commercial banks range from 4.99% to 7.5% for one-year fixed loan period and 7.5% to 9.75% for a ten-year fixed period mortgage. Banko Sentral ng Pilipinas (BSP) has now kept its policy rate at 4.57% for overnight borrowing.
Commercial banks offer loan terms of up to 20 to 25 years, but in some cases, the term might depend on the purpose of the loan.
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