Factors that determine the affordability of your housing investment

How to determine great value when you buy a house in Metro Manila?

Al-Khor Townhomes San Juan captured the demand of Filipino families looking to reside within the capital.
If there’s one thing that drives homeowners to invest in Al-Khor, its affordability.

The price value of a house in this area has many factors.
1. The most significant would be the location.

As the city’s infrastructure continues to develop, the appreciation value also rise.
Developments such as businesses, shopping malls, flyovers, schools and hospitals all influence the price of a property.


2. The built structure also affects the cost of the property.


The design, construction cost, materials, height and space along with the durability of the building all has an impact to the value of the house.

In addition to its cost, amenities also contributes a role in this.
Common facilities such as swimming pool, park podium and fitness gym gives convenience and comfortable living to its homeowners.


3. Experience prestige lifestyle in this prime location.

Having quick access to other neighborhood cities adds to the value of the property.
No one goes wrong investing in a prime area knowing your property will appreciate its worth as time goes by.


All of these factors contributes to what your dream house is worth.
We at Al-Khor Townhomes, work to bring your dream house within your reach.
See it for yourself.
Call us now for more details or visit our few available units: Phase 2

Housing Loan Made Easy

Bank Financing Housing Loan Made Easy – INFOGRAPHICS

If you are looking for a townhouse for sale and considering a bank financing housing loan for you to buy, these are the two main questions you have to think about.

Townhouse for Sale, Housing Loan Made Easy

Housing Loan accredited banks of Al-Khor Townhomes San Juan


Get in touch with us by following us on our facebook page at:
We are happy to welcome you for a free visit to our model units. The townhouse units are located at:
201 General San Luis St. San Juan City, Metro Manila, Philippines
Phone: (02) 343 8027 / (0922) 813 4881
eMail: info@localhost/alkhortownhomes

Consider Buying a Townhouse in Manila

What to Consider When Buying a Townhouse in Manila

Before you decide to buy a townhouse in Manila, spend some time considering all your options along with the location, is it in a good neighborhood, is it a good place to raise children, is it within walking distance to the amenities that are important to you? Make a list of the factors that are important to you and your family if applicable, including your price range. Once you have a good idea what you’re looking for when it comes to a townhouse in San Juan or vicinity, you should consider the following.

Take a professional approach to buying a townhouse in Manila

Established Developers and experienced real estate broker
If you’re considering buying a townhouse, it’s important to look for the ones that are backed by established developers and work with a professional, experienced real estate broker. This is especially the case when it comes to pre-selling or off plan options.

How much are the monthly dues?

Townhouse Monthly Dues
Townhouses and condominiums typically charge their residence monthly HOA dues that are in place to cover services that include building maintenance, security, garbage disposal, miscellaneous common area expenses, etc.

Townhouse rules

Townhouse Rules
Most townhouses implement “house” rules that residents must adhere to which include things like how many people can live in one townhouse, proper attire, rules on smoking, drinking and eating. Rules can vary per townhouse development so you should find out what they are in order to ensure that they’ll suit your lifestyle.

Make sure that the seller’s Transfer Certificate of Title is legitimate

Transfer Certificate Title
The best way to confirm that the property title of the townhouse you’re considering purchasing is authentic is by contacting the Register of Deeds (typically found in the city hall for the community the townhouse is in) to get a certified true copy of the title. You’ll need the name of the owner and title number to get a certified true copy and you can save yourself some time if the seller can provide you with this information. In addition, make sure that the townhouse referred to on the title is actually the townhouse you’re interested in buying, matching the description perfectly.

Verify that title is free and clear

Verify the title of a townhouse
You can verify that the title is free and clear by looking at the section called “Encumbrances”. If this section of the title doesn’t have anything in it, the title should be clean (don’t always rely on the “technical” description on the front of the title). Also, make sure that the taxes are paid. Ask for a copy of the Tax Declaration and Tax Receipts to confirm that all applicable real estate tax payments are up to date.

Make sure that the sellers are the real owners

real owners selling a house
If you are buying from an individual property owner, be sure to ask for identification papers like a driver’s license and passport. It’s also a good idea to chat with the neighbors to affirm the identity of the sellers and it couldn’t hurt to ask them a few questions about the area while you’re at it.

Anything you might want to add to the consideration we have indicated above? Then, we would love to hear from you. Give us your thoughts in the comment box below

Who & How to get Pag-IBIG Housing Loan

Who can Get and How to get a Pag-IBIG Housing Loan – INFOGRAPHICS

You may like to take into account a housing loan – to help you at last find your dream house and turn it into a reality. We, at Al-Khor Townhomes San Juan, know this reality and make it available for our clients to access a program of payment method available in our townhouses for sale in San Juan through the use of Pag-IBIG Housing Loan.

The question is… do you know the requirements in order for you to qualify and apply for a housing loan; to get the house of your dreams via Pag IBIG?

Who can get and how to get a pag-ibig housing loan

Townhouse investment for family or a young couple

Is a Townhouse a Good Investment for a Family or a Young Couple?

Whether you’re a seasoned investor or a first time homebuyer with a limited budget like most young couples and families, buying a townhouse is an appealing investment, even if you’re just buying it to use as a rental property. There are a lot of factors that come into play when it comes to the benefits of purchasing a townhouse including but not limited to the following.

Affordable Living

affordable-livingTownhouses are always more affordable than single family homes and they also typically include higher end interior amenities. While they may have less property and square footage than a single family home, the initial costs in most cases are significantly less. There are several things to consider before buying a townhouse, and one of them is considering the cost versus the quality as well as the amenities you’ll have access to. If you’re in a position to put a significant amount down on a home, you’ll be able to purchase a great townhouse.

Basically it all comes down to what you’re looking for, your lifestyle and your budget. It’s important to have a clear idea of what you want, a good example being if you need a 1, 2 or 3 bedroom townhouse. Regardless, townhouses are the ideal way to own a home when you’re just starting out whether you’re a family or a free and easy couple starting out.

Location, Location, Location

location-mapWith this new fast passed world where getting couples, engaged in the corporate world and busy families, a townhouse is the perfect place to live. This also applies to young families, but either group these days don’t have a lot of time to spare. One of the most significant benefits of townhouses is that they’re usually more conveniently located than homes making it possible to live in an urban setting with all of the essential amenities.

In most cases, owning a townhouse makes it easy for couples and families to have access to all the benefits of the city including family friendly activities, schools and colleges as well as dining experiences, nightlife venues and the corporate world where they’re employed.

Amenities and maintenance

Most townhouses come with special amenities including decks, personal garages or covered parking, security services and more, all helping provide cohesive, luxury living on a budget. It would be impossible to find a single family home with all the incredible amenities most townhouses are packed with anywhere near the price range or in as good of a location. Even the interior accents from the kitchen appliances, to the countertops, designer bathrooms and more are impressive, better than you could possibly expect from single family homes in a moderate price range. In addition, You can also expect the building to be well maintained as well as the landscaping and any available play areas provided for children if applicable.

Selling the Townhouse

alkhor-selling-townhouseAnyone who invests in a townhouse that’s in a good location will in most cases have an easy time selling it and the affordable price will definitely quicken the turnaround time as well. Most savvy real estate investors will tell you that for young couples and families, townhouses are viable investments because of their affordability and appreciation value.

WHO can get PAG-IBIG Housing Loan

Who Can Get A Loan To Buy A House via Pag-Ibig Housing Loan

By the time you’re ready to purchase your new dream home, it may take a couple of years; worst scenario is that your much desired luxury house was already sold out to someone else. Or just maybe, it took too long for you to come up with the amount that the money you’ve saved up for this elegant house will no longer be able to purchase it since the value has already appreciated.

You might want to consider applying for a housing loan so you can finally see your dream house turn into a reality. We at Al-Khor Townhomes San Juan realizes this reality which is why we also have this option of payment method available in our townhouses for sale in San Juan that you can use Pag IBIG Housing Loan.

The question is… what are the requirements for you to qualify getting a housing loan to buy a house via Pag IBIG?


Pag-Ibig Housing LoansGeneral rule is that one should be a member of PAG IBIG for at least twenty four 24 months. Proof of monthly remittance within at least twenty four months at the time of the date of application is required.


Provided that the applicant for the housing loan has been a contributing member of the Fund for at least twelve (12); an applicant with less than the necessary number of contributions shall only be allowed to put together the lump sum payment.

This lump sum will be based on the mandatory monthly contribution rates for them to meet the said requirement at a point of the loan application. Considered a single payment, the lump sum payment shall is for that appropriate month as of the payment date.

The member has an option to compensate in lump sum any amount short of the said prerequisite of two years of membership to satisfy the requirement.


You need a loan that would go over Pag-IBIG housing loan more than 500k? An applicant shall be required to shell out the upgraded membership contribution rates once the housing loan was approved and going onwards. This is the same as well for members whose contribution is at least two (2) years and whose loans exceed P500,000.00


Pag-IBIG QualificationsSo, how young are you?

The applicant for the loan should not be more than sixty-five (65) years old at the time the loan was applied. The member should be insurable and should not be more than seventy (70) years old by the time that the loan reaches its maturity.

Of course, the member or applicant at the same time should be legally capable of attaining an actual property.


The applicant for the loan should be satisfactorily free of any outstanding credit or employment checks from PAG IBIG Fund once a background check was made.

The member, either a principal borrower or co-borrower, should not have any unsettled PAG IBIG housing loan. If a co-borrower that is pinned to certain loan would like to express his intention to avail of a Pag-IBIG housing loan for himself, then the co-borrower shall be permitted to do so provided the loan he is nailed into is updated and the total proportionate to his loan entitlement has been fully compensated.

Free from the original debt; the co-borrower shall be permitted to avail of his own Pag-IBIG housing loan. This condition is of course, subjected to standard assessment procedures.


An applicant should not have any foreclosed, nor cancelled Pag-IBIG housing loan, should not have anything that was brought back due to default, or subjected to repossession. This includes cases where the borrower is no longer interested to continue with the loan or times when the property has to be surrendered.

So those are just the few requirements asked of you by the Home Development Mutual Fund or what is commonly known as Pag IBIG. You will need to fill out an application form and see to it that you pass this checklist.

You’ll be just a few weeks away from getting your loan approved with this guide we provided.

DISCLAIMER: We are not directly associated with Pag IBIG. You can also check their set of requirements at Checklist of Requirements for Housing Loan Evaluation.

We at Al-Khor Townhomes San Juan are providing you a fast and easy way for you to turn that dream home into a reality. We even provided a readily available picture of what your dream house would look like and the features that come along with it: www.localhost/alkhortownhomes.

If you would like to see an in depth discussion of the steps on how to get that Pag IBIG loan approved, then you can read through at: How To Get A Loan To Buy A House Via Pag IBIG Loan.

We also accept bank financing as another option which is discussed in this link: How To Get A Loan To Buy A House Via Bank Financing Loan.

We know that you’re longing to get that luxury home that you started saving up in your piggy bank for a number of years. We would love to hear from you some faster and easier way for you to get that much awaited dream house.

How to get a loan to buy a house

How To Get A Loan To Buy A House in Manila via Pag-Ibig Housing Loan

We already have a reference as to who can get a housing loan via Pag IBIG; now we can discuss with you how to get a loan to buy a house via Pag-IBIG. You can finally get your the housing loan you waited for so long.
Al-Khor Townhomes San Juan realizes that you wouldn’t want those monthly contributions that were deducted from your payslip go to waste; we wanted you to finally see your luxury home happen; which is why we have prepared a checklist of what you may need to accomplish.


Pag-Ibig Housing LoansHousing Loan Forms along with a checklist of requirements is readily available at any Pag IBIG offices. You can also download them from their official website at

In this new age of technology where innovations are done mostly online; the first step in getting that dream house you’ve dreamt for awhile would be easier than you think nowadays.

Pag-IBIG Fund now has an easier process of bringing you closer to acquiring a Housing Loan Application. There is now an online facility where their members may accomplish their applications and submit it to their website. A soft launch of this process is currently usable to all members that have an assigned Pag-IBIG Membership ID (MID) or Registration Tracking No . (RTN).

Their appointed scheduled date for submitting their documentary and technical requirements along with the conduct of loan counselling will be provided through a notification to all applicants from the National Capital Region / Metro Manila. Provincial applicants may visit the Pag-ibig Fund provincial branches near their location during any business hour suitable for the applicant’s availability.


Pag-Ibig housing Loan Application FormAlong with the complete set of requirements, the Housing Loan Application Form should be submitted to the Pag IBIG Fund office. It takes fifteen (15) working days that does not include the Credit Investigation and Property Valuation for this to be processed.
A partial non refundable payment will be required as a processing fee that amounts to PHP 1,000 to start the process.

For properties within the National Capital Region there are offices at Imus, Kamias and at JELP Business Solutions Building in Shaw Blvd. Mandaluyong City. Filling for Provincial properties can be done at any Pag IBIG office that is nearest to the property.



You can start signing those loan documents once you receive your Notice of Approval (NOA) and Letter of Guaranty (LOA). Please note that the Notice of Approval will ONLY be released to the borrower.
A Special Power of Attorney (SPA) should be provided if the applicant is an Overseas Filipino Worker (OFW) and the Attorney-in-Fact will be the one to receive the Notice of Approval (NOA).


For your check to be released; you are given ninety (90) calendar days to accomplish your Notice of Approval (NOA). Present your Letter of Guaranty (LOA) to the seller if you are trying to purchase a House and Lot, a Condominium or a Townhouse unit.

You can then proceed with the Bureau of Internal Revenue (BIR) for payment of the Capital Gains Tax and Documentary Stamp Tax. The BIR will issue a Certificate Authorizing Registration. After this you can go straight to the Local Government Unit (LGU) for payment of Transfer Tax.

You can now go to the Registry of Deeds (RD) for the transfer of the title and annotation of the mortgage before you can advance to the LGU for the transfer of Tax Declaration.

The process is different to Refinance for Purchasing a House and Lot Mortgaged with Pag-IBIG Fund and for Construction of House or Home Improvement.


Within five working days your loan will be available once you have submitted your Notice of Approval (NOA) with the complete set of requirements to the Pag IBIG Fund office.


The Pag IBIG Fund will then release your loan.
A Payee who is either the seller or a third party to which the loan proceeds is assigned to be released should bring two valid Identification Cards (IDs). If payment is not done through a Salary Deduction Loan Proceeds, the Borrower should present 12 Post Dated Checks (PDCs); as this will be released to the person or institution assigned to by the borrower or the buyer.


Last but definitely not the least among these steps; you can now start paying your Monthly Amortization one month from the check date.

Using this guide that we have provided, you’re just a few weeks away from getting your loan approved.

A DISCLAIMER: We are not directly associated with the Home Development Mutual Fund. The summary of the process discussed were gathered from the official Pag IBIG Fund website. You can also check this at Procedure of Housing Loan Availment – Pag-ibig Fund.

Al-Khor Townhomes San Juan would love to turn your dream home to reality. Which is why we are providing you a fast and easy way for this to be done. We even provided a readily available picture of what your dream house would look like and the features that come along with it: Townhouse for sale in San Juan City, Metro Manila.

Wondering if you are qualified to apply for a Pag IBIG loan? We prepared an article that you may use as a reference. Who Can Get A Loan To Buy A House Via Pag-Ibig
We also accept bank financing as another option which is discussed in this link: How To Get A Loan To Buy A House Via Bank Financing Loan.

You’re desired luxury home is just a process away from happening. Anything you might want to add to the process we have indicated above? Then, we would love to hear from you.

happy buying a townhouse in manila

5 Tips on Buying a Townhouse in Manila

Are you looking to buy a townhouse to call home in Manila? If so, and if you feel overwhelmed during the house-hunting process, you are not alone. The beautiful city of Manila, and, in particular, San Juan City, has many amazing properties from which to choose, and it’s helpful to have a guide to help you find the property that best suits you.

That’s why we’ve put together these five must-read tips for buying a townhouse in Manila. A townhouse is a great option as it is spacious with two or three stories and usually less expensive than a single family home.


Get a Reputable Sales Agent

It is advisable to have a quality sales agent to help you with your search for buying the townhouse of your dreams. This sales professional understands the housing market and can find you the properties for sale within your budget and that meet your criteria, including the number of bedrooms you envision. The agent can also provide you with vital information about a property, fully understands Philippine laws and can help you get a mortgage loan you want.


Search for Community Accessibilities

When you are looking at a townhouse for sale in San Juan or within another part of Manila, check for the local community accessibilities. For example, is there are place nearby to buy groceries easily? Is there a bank, church or mall close by that meets your expectations? Also examine the transportation routes in the area to ensure you could easily get around there if you purchase the property, or that your children can visit you easily there.


Visit a Townhouse at Different Times

Another tip for buying a townhouse in Manila is to visit the prospective location during different times of the day. What you want to see is whether the neighborhood is noisy at certain times of the day and how much traffic the street gets during the day versus at night. Then you can decide whether what you see or hear is going to be something you can get used to every day.


Research Values in the Area

Research what the average townhouse in San Juan or another city in Manila typically sells for. While you may not have the expense of children living with you, what you do need to consider is whether you can comfortably afford the average property price in the area. As well, ensure that you don’t get overcharged during buyer negotiations by being knowledgeable about reasonable prices in the neighborhood; a sales agent can help you determine these values easily.


Leave Room for Taxes

When negotiating a deal on the townhouse of your dreams in Manila, don’t forget to leave room in your budget for paying taxes. Buying real estate comes with the assumption that you will pay for the documentary stamp tax, transfer tax and registration fee (with the seller paying other fees). This is a standard procedure in the Philippines, although you may be able to negotiate with the seller for a slight alteration on the pricing structure. Make sure you keep these taxes in mind during the buying process so that you stay within your budget. That way you won’t buy yourself into debt, which only takes away from the excitement of owning a new property.

There are many great areas for shopping and dining in Manila, which makes it an ideal place to buy a townhouse.


Follow the five tips above to get the best experience buying a townhouse in San Juan or another local city so that you can truly enjoy the experience of living in the culturally-rich, beautiful location.

Make the most of your retirement, time without the kids or the joys of treating yourself to a property that you have always dreamed of obtaining – you deserve it, and an affordable one is close by, within reach, in Manila!

Renting vs Buying a House

Cost of Renting vs Buying a House

As you were browsing your social media account, an advertisement about a townhouse might have captured your attention: “house for sale in the Manila Philippines“. All of a sudden you were people have a tendency to fear the fact of acquiring a property investment.

Which is better for you? Rent vs buy? House is one of the most basic necessity which. One might compare the monetary value of renting versus purchasing a house. A House for sale may be something you desire to land on; however, most people does not have sufficient capital to purchase an entire house with their own cash savings.

For this reason most people are stuck thinking about this question.

Let’s take an in-depth look on certain factors of this comparison.



Think of this for a moment; Which option will save those extra cash you set aside?
There is always this argument about which one is more cost-effective. Some would suppose it’s more practical to rent a home; buying an affordable house is wiser according to most people. It constantly gets down by the numbers and then try to balance your finance in a long term perspective.

  • Why not try to add up the amount that you have to compensate for an entire year renting an apartment. The sum of the extra charges attached to the monthly rent such as parking fees and utility fees.
  • Now multiply these numbers in a span of at least five years.
  • Then find a house within the same vicinity which would have the same lot area that you’re renting. Note the amount of the contract price of your target property.
  • Tally the cost of repair, taxes and mortgage up in a five year term that you can see the comparison between the two.

Al-Khor Townhomes San Juan understands that you are planning in advance, which is why we would wish you to punch in those numbers. You’ll have an estimate how much you’ll be spending within that time frame. It would be better to have the computation set for ten (10) years, that way you can see the bigger picture in hand.

Renting a house has got nothing tangible to show for besides the accumulated receipts and the next pending bill. It is then considered a wise move to buy a property rather than to rent.



At the present time, the biggest factor of our comparison is the expenditure of purchasing.

Try to analyze, since this would rely on the condition of the Philippine real estate. In some instances that the price is on the down trend, then renting may be to the advantage.

When the price of the real state goes up, then renting can be projected as dead money. An example to this is when the contract price of a property, the maintenance and along with the mortgage is less compared to expenditure of the monthly rent for a number of years, then it’s wise that you consider purchasing a home.

The premium on buying a house these days maybe large; it is still a general saying that buying a home is still a“good investment.” In any case, you’re not “throwing away your money.”

We at Al-Khor Townhomes San Juan recognize that you want to obtain a property investment since you would love to build your wealth and assure a secure a retirement in terms of real estate investing. Having read that, we made it sure our series of luxury townhouse in San Juan are affordable homes you can acquire.

As you have to think whether it is a good time to buy a property investment, put this in mind: You’re going to eventually do it anyway. If not now then when will you start?



Monopoly is born since you’re not given a choice; we can provide you a better choice.

Think about the charges you don’t have any control over. Aside from the monthly dues of renting, you are also dictated by those extra charges. Most landlords based it on the overall consumption of all the tenants along with those added utility bills and you’re not even sure where the rest of it came from.

We at Al-Khor Townhomes San Juan recognize as well that you felt like paying your monthly rent is like throwing money away. Which is why we made it possible for you to realize that the price of purchasing a house is more economical to maintain compared to your rent; we offer a variety of affordable townhouses which can reduce the cost in a long run.

Be mindful that as you continuously pay for the mortgage, you also gradually get closer to owning that property. In doing so, you’ll be free from a landlords’ dictatorship.


Cost is a factor no more. Do you feel like your eternally paying up monthly rents? We would love to hear how you weigh the cost between your rent and your prospective dream house.

Practical Advice on Choosing the Best House

Practical Advice on Choosing the Best House for your Family

What is the dilemma that first time home buyers encounter as they pursue getting their very own dream house? What are things to consider when buying a house? Pondering over your checklist, you began to think about getting to the correct choices in choosing the best home for your family.
There are things to know before buying a house. First in your checklist is what type of house you would want to live in and the considerations you have to make is not just for your own but also for your family. After identifying the type of house, you would need to ponder on several factors before you can make your mind up.

We have arranged some that you might highlight in your list.


Top of the list, this is the first question in mind, cost to buy a house.

One way to make sure about this is research. You should already deliver an idea if your household will be able to afford living in certain newly develop community before you start on a house tripping. You should know your budget and you should stick to it. You have to know what your budget can lead you and you have to defy anything that will lure you to go beyond that budget. The costs involved in buying a house are critical.

Aside from the mortgage payment there are several factors you have to analyze in your budget such as checking the home insurance and taxes you have to account paying in due time. Looking forward in time is something you better think of because you basically have to weigh some future cost of maintaining the property.

Also factor in any future costs includes a long term maintenance program where you have to be a Mr. Fix it or you can hire help on these matters for the next five years: this can be things such as repairing the roof, repainting the walls, updating the electrical system, the cooling system’s maintenance and plumbing.

See similar post: Pros and Cons in buying a townhouse or condominium


You might find a home in a neighbourhood that you’re not familiar with, which is fine. It simply implies that you’ll have to make out a bit more homework. Obtaining a property that you might not be familiar with is fine, as long as you’ll just have to do some task trying to recognize the situation better.

You might want to start making a list of cities, towns and even neighbourhoods that you want to consider settling. A fraction of what you have to think about is the school system, proximity of health care, crime stats, recreational activities, reasonable commuting distance and any other quality of daily living that you feel significant. It all boils down to deciding on what everyone chooses.

I also wrote an article that might help you about location: Best Family Tambayan in the Heart of San Juan.


You’ve been reading allot of tips on how to buy a house, but it all falls down on the most important aspect you have considered before you can decide if the property is worth every penny you’re about to spend on it. Home features are what to look for when buying a house.

Always remember that each and every family does not have the same needs.

Is this property investment attached or detached home? It is an important to know how many storeys is this property investment supposed to be. The number of bedrooms and bathrooms is a must on the features. Verifying if the house has a car garage, walk-up attic, a basement or utility area are also some aspects that might influence you.

I might suppose that trying to find your perfect home is like getting your perfect partner. You receive your standards but you’ll see that it does not constantly work with what you desire. Hardly ever does everything match your desires, so just take your time and recognize the significant things you must have, things that are not that much important, those that you kind of want and those matters that can never take place.

We like to learn from you and leave your comments below, so that we can offer more practical advice regarding how we can help you determine the best practical home for your family.




Tell us what you’re looking for! We are always ready to assist you and answer your inquiries. Schedule your site tripping using our Calendly form. Thank you and have a good day!


201 San Luis, San Juan, Metro Manila
+63 917 104 7054


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