Affordable House and Lot in Consolacion, Cebu

COMPANY PROFILE

ALJT Realty and Brokerage is the arm of Sound of God's Trumpet Church Inc.

Almighty Lord Jesus Trumpet Realty and Brokerage, in short ALJT Realty as it is known, is an established Cebu Based Realty. The company is primarily engaged in providing House and Lot, Lot only, Farm Land, Condominium including Services such as Rentals, Documentations and related services for various clients within the Real Estate Industry.

Founder's Message:
Buying a house is one of the biggest decisions you will make because it involves huge amount of money that can affect the financial status of the family. Here are some guidelines that may help the buyer to get the right house for the family.

Foreigner as buyer
The Foreigner should know that he can own a Condominium unit even if he is not married to a Filipina as provided under the Philippine Condominium Law. If he wants to buy a property other than Condominium Unit. He must choose a most trusted Filipino to act as a dummy. This will require an assistance of a lawyer.

Be prepared for an investment
Buying a House is considered as an investment. Ask yourself these questions: How much can I afford? Do I have enough savings or income to make the payments? Analyze your cash flow and see how much you can afford for a house purchase. Do I have to buy a lot only and build a house with my own design? Do I have to live in the house or for rental purposes only? Buyer must allocate a budget and go directly with the purpose of buying the house to narrow the search.

Know your priorities
Should I buy a house or a condo? If your final decision is a house, you must consider the following choices such as Row house, Townhouse, Duplex house, Single-attached house, or Single-detached house, and add in it the number of storey. There are just some of the options available in the market. Make a list of the features you want in your new home and arrange them in accordance to priorities. Another thing to consider are number of bedrooms, carport space for your cars, landscape garden, swimming pool, security for your safety, location of the subdivision and surroundings, the road for your ingress and egress, public transport, safe for natural calamities like tsunami, flood, landslide, typhoon, storm surge, and earthquake. List down your priorities these may help reduce stress and time in searching your home.

Stick to your budget
If you are fortunate to have sizeable amount set aside, you might want to consider a spot cash payment. Otherwise, there are many options for you to finance your purchase such as Pag-ibig or Bank or In-house financing schemes. Ask for a sample computation and see if this will fit your budget.

Ask for advice
Once you have an idea of the kind of house you are looking for, seek the advice of a License Real Estate Broker or License Real Estate Salesperson. They can point you in the direction of available properties that fits your wants and needs as well as steer you through the paper work and buying process. Because they are licensed professionals, you can be confident that they received the proper training to make sure your transaction flows smoothly.

Commercial purpose
If you are looking a commercial unit you must include the possible customers or clients for your business. You should choose a City for your business. If you want an investment for the house and lot you must choose a particular area a subject of ongoing developments like Lapu Lapu City or North area or to be safe seek the assistance of a License Real Estate Broker for proper guidance. The Broker can give you proper projection of the area whether it has a flat rate price or past-accumulating price.

Safety and Security reason
You should consider buying a house with 24 Hours security services and try to trace up the history of the place in terms of recorded violence related cases. Most especially if you are buying five million worth house. You must treasure your life as much as possible.

Know your Broker
The first thing to consider in engaging the assistance of a Broker is the background of the Broker you want to hire. Is he a trusted one and well equipped with the knowledge and training to guide you properly in the process and can help you for the documentations. Additional factor of a Broker is the knowledge of the law like if he is a graduate of Bachelor of Laws.

Advice the buyers
It is advisable for them to get a house and lot while they are young to avail a long term loan in the Bank or Pag-ibig Fund to have lower monthly amortization than during their old age where monthly amortization is high because they are restricted by their age to a Long-Term Loan Contract. Mostly, the regret of adults today. By this reason, they rented the house forever. That the monthly Amortization is synonymous to a rental but ultimately you will own the house plus Life insurance. If the borrower would die everything goes to the legal heirs no more obligation of the beneficiary to pay the loan because the insurer will pay the balance or unpaid loan;

Be open to compromise
Once you have seen what is available in the market, consider your options. If location is the most important factor for you but the house you want is beyond your budget, consider getting a different unit or model in the same community. Inner units, for example, tend to be cheaper than corner or end units. If your budget is only for a smaller house, find a house that can easily be expanded to suit your growing family's needs as this will make your renovation hassle-free in the future.

The Managing Broker
Realtor Antonio Ruiz Bernales, MA, LLB, Software Engineer, SEO Specialist, REB, PASTOR
ALJT Realty and Brokerage

Associate Broker
Realtor Bruce Carlo L. Inopiquez , LLB, REB, REA
Manager,
Rural Bank of Mandaue

Associate Broker
Realtor Araceli P. Bernales , REB
Senior Analyst
Social Security System - Cebu Branch

Now Hiring:

38 Real Estate Salespersons with or without experience

Avail of our new policy:
1. 4% Professional Fee or Commission
2. Lifetime override and transferable to the legal heir
3. With insurance benefit
4. With death benefit
5. Free training in the Local Stock Market and Forex

Apply in person at:
ALJT Realty and Brokerage Office
2nd floor of Rural Bank of Mandaue Annex bldg.
P. Zamora St., Centro, Mandaue City, Cebu
Office Telephone: 236-12-00
Mobile no: 09121081510/ 09509561773
;