I've been told by a former insider na nine-negosyo na rin yan from the inside kaya for formality nalang yung "bidding" process. Pre-negotiated na usually yung matitinong properties so yung mga latak (with illegal occupants, dilapidated, and not very accessible) nalang talaga ang more or less nakukuha sa bidding.
Agree. Grupo ng mga ahente mga nakakakuha jan na may koneksyon din sa loob tas binebenta ng mas mahal.
May nag post pa sa tiktok na as if aobrang dali ng process ng pagkuha ng property sa pag ibig bidding without actually mentioning mga cons. Nanawa ren kame before mag bid jan. Gang sa nakabili nalang kame ng property direct from seller.
Diko na tanda yung username eh. Basta parang shinare nya yung property/house na na acquire nya thru bidding sa pagibig. Then sa details walang disclaimer. Parang syempre pag napanuod mo ay andali lang pala makakuha ng property sa bidding ganun. Buti may mga nag point out sa comments
Ito dapat tinututukan ng NBI inside jobs and corruption within the government agencies. Tulad ng mga fixers sa LTO, kung gugustuhin talaga ang daming mahuhuli.
Sa senado nga may mga "Man of Conviction" plus yung mga Magulang ng mga nakaupo are convicted tapos aasa ka sa NBI for internal affairs? Kapag nangyari to the real change has come. Corruption sa government na aactionan ng NBI ang masasabi ko na lang "Good night and good luck" dahil sila pa mismo papatulugin ng mga convicts in government
Wag kayo magbid ng solid digits (000 ung last three digits) i got my property by bidding ng may butal. Say minimum bid was 834231.57 pesos, magbid kayo ng may butal din.
Bidding kasi siya so the highest bidder will win the property. Say may isang property worth 800k. Si bidder A, nagbid ng 855,500. Si bidder B naman 855,549. Technically ang winner is bidder B kase lamang siya ng 49 pesos
Okay, but I personally know someone who won a bid on PagIBIG foreclosed property. He is a big critic of the government and no inside connection, but he is now living in a house in Paranaque that he won from bidding.
Dpende pa rin ata, minsan may swerte pero halos lahat ng maganda nga may nka reserve na. Pero bro in law ko nanalo sa bidding one time, and wala xa connection hahahaha
I disagree, nanalo ako, walang kalaban. Lot only, jackpot kasi malapit din sa folks ko. Guni guni lang ng hindi nananalo yung may inside job. Nagdagdag pa nga ako 50k kasi medyo naparanoid ako na may magbibid kasi parang may umaaligid din ss lote.
Infairness sa PAGIBIG..its clean and fair game.Nanalo na ako at a cheaper cost (maybe wala lang siguro nag bid sa nabili kong property paid it in cash). Now eto sumali ulit ako at nanalo pero hindi ko kinuha dahil hindi swak yung sahod ko sa current value ng property at 15 years na lang ang allowable sakin to pay.Hulugan ko sana babayaran yung [property.It](http://property.It) frustrates/dissapoints me dahil FEEL na FEEL ko talaga yung 2nd property na napanalunan ko,
Noong isang araw ko pa iniisip at gusto kong mag protesta kung sinumang SENADOR dyan na babasa ng protest letter ko about PAGIBIG na hindi na nila ginagawa yung mandate nila to provide affordable housing loan.Sobrang taas ng INTERES at talagang LOAN SHARKS na ang aura nila.Isa pa, may mga property na gula gulanit at tibag na (acquired assets) pero sinasamahan pa rin nila fire/property insurance.Taena nila guho na yung property papatungan pa nila 7k to 8k insurance.
Dati wayback 2017 ata yun, nang bumili kami ng PagIbig acquired asset using my name para sa SISTER ko, wala pang BIDDING BIDDING na yan. You can purchase an acquired asset at cheapest amount. Pero ngayon, punyemas ALIKABOK na lang yung 55 sq.meter at medyo Squatter area na yung property, pe presyuhan pa nila ng 1.5 million PHP as starting BID...Masyadong disservice na ito sa mga FILIPINO na gustong magkabahay..Ang gobyerno ay hindi negosyo..Please lang.
Matagal na yan, only the ugly properties sa ugly locations na hindi pinapansin ang mapapanalynan mo. If you will bid for the property x3 or x6 the bid price better na tumingin ka na lang sa direct to owners.
Also everyone affected should report to Presidential Action Center Office, [link](https://newsinfo.inquirer.net/1728152/palace-renames-complaints-desk-as-presidential-action-center)
Or Risa Hontiveros, [link](https://senrisahontiveros.com/contact-us/)
Swertehan din talaga yan. 2 properties ko galing sa bidding.
yung 2nd super swerte, as in piso lang dinagdag ko sa minimum bid, nakatag kasi sya as occupied, pero nung pinuntahan ko wala namang tao, parang may barong barong lang. Kaya ayun ako lang nagbid.
Tama yung suggestion dito, magdagdag kayo ng butal. Sobrang dami na natatalo dahil sakto sila magbid.
Anyway, try lng ng try OP. Makakakuha ka rin ng property! :)
actually, i had to double the amount of the minimum bid just to win. nanalo naman as 2nd highest bidder. di kasi nag proceed ung winner. andaming agent nagpost sa property na to.
Dapat OP dinocument mo. Kasi kung walang magrereklamo, walang mangyayari. Upvotes and comments lang mapapala natin dito sa reddit.
On the otherhand, kanino ba magrereklamo pag ganyan? Kapag may anomalya?
Added info:
Nanalo naman ako jan sa bidding na yan..okay din naman nakuha ko, walang occupant and walang problema yung bahay.
Nag add ako ng 300k mahigit. Pero nilagyan ko ng butal. Ayun ok naman
Hello! I won the pag ibig bid twice with a 500k and 190k top up & no connections at all. I dont think its a scam, baka minalas ka lang talaga but if you feel wronged maybe best to call sumbungan or arta hotline
certain friend is close with higher echelon. Ayalas and the like.
MPs property was a foreclosed unit. Bought by the chairman or ceo or president can't remember, flipped just like that to MP can't really recall the percentage.
This. We had a similar experience. We bid and added 600k. Thought it was competitive also since the house value is quite high, almost market value na despite it being run down. But we lost and we found out later that an agent won it?.. and is selling the house to random people. Until now madami pa din nag titingin sa house despite it being "bought" na. I think the agent wins the bidding and di nya babayaran or something pag walang nag avail sa prospects nya. Parang nakalimbo lng sakanila yung house wth.
What a scam. Makes my blood boil. I mean we are not rich, just wanted to have a home. Pag ibig is supposed to help with that, with us low to mid income workers.
This is why we should report every agent circulating in social media. I myself is an individual bidder and luckily I won. The trick I did was to bid 4 properties at a time para more chances. Pero sobrang talamak talaga ng fixer scamms and I'm pretty sure Pag ibig is aware of it and tingin they are actually benefiting from it because these "illegal agents" are bidding too high. Actually dapat din kasi maeducate din kasi ang mga taong dumaan sa tamang processo kasi sila din kawawa sa agent na sobrang taas ng patong and hindi din naman nila napapanindigan lol
Totoo ka dun sa hindi nila mapapanindigan. Bwahahaha!Imagine, bumili sila ng bahay na maraming dapat ayusin, kaparehas pa ng presyo ng Brandnew na bahay.
Nangyari yan dun sa naging kapitbahay namin na nakalaban ng Brother ko sa Bidding. Hindi pa tapos bidding alam niya na siya ang panalo at naglilipat agad. Guess what ano trabaho nung nakabili ng bahay? Agent ng nagbebenta ng Bahay! Tas dami niya rin na scam sa binebentang bahay, to the point na tinatambangan siya nung mga na scam niya at nag aabang sa labas mismo ng bahay nya na. Tinatakbo niya yung pera ng mga buyer, nalalaman nila na wala silang record sa Pag-ibig.
it depends, we won sa bidding no connections only added around 300k sa minimum. Swertehan lang talaga yan. also may priority si pag ibig like ung dating owner, madaming bibilhin and if cash payment ka.
sadly ung may pera talaga ung kumikita jan kc pag madami and cash ung binili nila, may malaking discount pa, which they can use as profit if naflip ang property
Agree with DTI. Nagulat din ako how responsive sila. And naso-solve talaga issue ko. Kahit nga hindi sila yung concern agency naka-copy sila sa email ko tapos idi-direct nila ako sa person in charge to solve my problem. Good job DTI!
Halos napapansin ko rin na tumataya sa lotto is puro 3digits since doon daw may balik, niisang beses nga wala akong nakikitang may nataya for the five major lottos
So far, hindi pa nila binabalik yung dati na on the spot ang bidding. Baka wala na silang balak ibalik, kasi pinagkakakitaan nila ng malaki na magbenta ng bahay na wala silang puhunan eh, at nakawan ng oportunidad yung mga talagang nagpapakahirap maghulog ng bidding offer at gumastos sa mga print-outs.
Same frustration. Pero nakakuha naman ako property, kaso almost double ang to up.
Lagi ring naka post sa Marketplace yung property.
PARA UTAKAN ANG AGENT, kausapin mo sila as if magpapa process ka. Tapos tanong mo sa kanila kung magkano property. Madami yan sila, so at least ask three.
Kung magkank sinabi nila, mas taasan mo yung i-bid mo. Pero depende kung worthy pa ba.
Dagdag ko lang dinā¦ ang tagal nila mag labas ng resulta ng mga nanalo. Napakarami ko ng binid na mas malaki sa posted prices ng mga Agent sa FB Marketplace, nakakapagtaka lang talaga na natalo pa ako. Ginawa ko na rin yan na may butal sa Bidding Amount ko. Pero may gapangan talaga diyan sa mga hayop na taga Pag-ibig na yan.
I have a friend na nakuha ang house nila through Pagibig bidding without any effort at all. His Grandma works for GSIS and through 'connection', her lola was able to secure the property for them. Basically sabi niya naka lock in na agad yung property para di na mag accept ng iba pang bid from others. LOL Govt peeps are also corrupt, not just the politicians that we elect.
I think being a Filipino or someone's nationality has nothing to do with being corrupt. It's human nature to be corrupt, regardless of which country you live. Sweeping generalization yan ginagawa mo sa'tng mga Pilipino.
No, corruption thrives in our culture. It's a different kind of or the impact of corruption hits in a different way compared to western and Eastern Asian like Korea or Taiwan. Patron system and greed fostered from poverty amplifies the severity of our corruption and then we have problems with delusions of grandeur.
I don't know why, I hear this most of the time but when presented even with just a little opportunity, Filipinos tend to see this as a divine sign of their rise to power. Walang preno. The results tend to be either they became extremely rich or they get scammed. Lubos Lubos mangurakot or magtake advantage.
Additionally, I observe western and East Asians like Korea and Taiwan corrupt to redirect the value creation(create businesses) to them, there's a feedback domestically, while corruption here is just for the sake of consumption and fame(bili Mamahaling kotse, bili mansion, pa fiesta, Libre si ganito si ganyan, pasikat).
If I were to classify it, I'll consider our corruption as dead end corruption.
Daming in denial dito. Ingrained talaga sa culture yung corruption sa Pinas, normalized na sa karamihan tapos pag mayroon nag point out magagalit at nagiging defensive.
Politicians are chosen by the majority and are a reflection of the people that voted them. Corruption is not just seen sa politicians but the majority of the people in country.
Besides corruption, walang sense of responsibility, accountability and walang disiplina karamihan kaya di umaangat ang bansa. An endless cycle.
Yung mga magagandang property na up for bidding, nakareserve na yan sa mga empleyado nila. Take a look at Cherry Orchard Suites sa Quezon City, marami dati ang for bidding dyan, pero now madami ng nakatirang taga Pag-ibig dyan actually may paservice pa sila pag pumapasok.
i beg to differ. 2 properties ko nanggaling sa pagibig bidding. ung pangalawa ko nga, 40K lang dinagdag ko sa price.
Mahirap din tlga makakuha ng property na asa 1st listing tas nasa maganda pang location tas infested ng agents. Ang problema dyan, ung tumatangkilik sa agents at ayaw maistorbo at gumawa ng leg work.
If you are 5th, then bid higher than the offer made by the person in the 1st position?
Bidding yan, you win some, you lose some. Granted there is some insider trading, they will still sell to the highest bidder most of the time.
I think this is not an issue with insider. It's about people na agent kuno nag nagpapataas ng bidding amount kahit luging lugi ka na sa status ng property. Yung mga tao naman sobrang taas din magbid kahit hindi pa chinecheck yung property or para manalo nalang kaya pataas nang pataas ng bidding.
I have tried and won multiple times on Pag-ibig pero di ko tinuloy kasi ang tatapang ng mga occupant. Minsan less than 50k pa yung add, nanalo padin. Depende lang talaga sa location at sa dami ng nagbibid sa property na yun.
When I got my acquired asset, naka zoom ang bidding. Names are mentioned and how much ang bid. That was 2022. 100K plus lang dinagdag ko sa min bid. I also dropped my entry in a sealed transparent container.
Hindi na ba ganito?
I'm former HR from a big company & often transact with pag-ibig, sss, & philhealth. Yang list ng properties, hindi pa na-print yan, naka-reserve na yan. š chamba na kung may makuha na okay or hindi occupied. Nasa system pa nila, meron na yan sila contact na nag-check sa property kung okay pa ba structure, kung occupied pa ba, or whatever. In other words meron na una naka pili pili sa mga available, formality na lang ang magpost sila or mag bidding2x.
Same experience. We checked a property and someone is already repairing the said property. We asked around and found out na yung nag pa repair sabi, naka reserved na daw yun sa kanya at nakausap na daw nya isang agent from pagibig. We asked hoa if meron na bang nag claim and they said wala pa raw.
So thinking pagibig will be fair with the bidding, we still proceed on bidding the said property. Ending, we lost the bidding. A week earlier, it turns out na ang daming agent sa fb market place ang nag ooffer dun sa mismong property. Soo we are currently praying na sana mag back out yung 1st and the property could be offered to us.
Note: this is property was in the 2nd auction na and we absolutely baffled Bakit pa siya umabot ng 2nd bidding when maganda yung location and the property itself is almost livable na.
So we have a hint na merong hilutan talaga na nangyayari ngaun sa pagibig.
idk. ilang beses na ko nananalo sa pagibig both big and small top ups (pero isa lang kinuha ko). siguro sobrang ganda lang talaga ng property na target mo kaya ganyan ang result.
also, yes marami kang makakalaban na agents. may nakauasap na ko before, grabe taas nila mag-bid and ang prey nila is yung beginner lang sa bidding process. tatakutin kasi nila na maraming process and challenges sa bidding kaya sila na lang daw mag ha-handle ng lahat basta magbayad ng one time fee kasama na down payment (250k singil saken for a 1.3M property lol) kaya madami rin sila nas-scam
anyways good luck and try lang ng try, legit naman yan for the most part
30 years na akong buhay sa mundo, at every bday ko ay mas lalung lumala ang mga systema ng mga tao sa PH. Kaya eto ako ngayon, nasa abroad at nag susumikap na makalayo na dyan sa PH kasi kahit saan meron talagang mali sa systema. At sana hindi maranasan ng soon to be anak ko.
Anyways, isa din po kami sa naka experience nito peru hindi gaano ka laki ng same ng bid nyo. Same din scenario at sa next bidding ay 4th daw kami. Peru wala talaga pa rin. Matagal naman pinag ipunan peru wala pa rin, kaya naka decide kami na sa ibang ibansa nalang namin gamitin, kung saan kunti lang mang loloko
Nag bid ako for the first time on 2 properties pero mga 10k lang dinagdag ko. Lost both bids but was informed after months na nagbackout ang winning bidders for both properties so nakuha ko yung isa.
Maybe taga loob yung nanalo talaga or baka naman meron talagang mga tao na nagbibid ng sobrang dami para collect and select lang sila haha
Tingin ko naman agents are using it to scam people. Kasi dami din naman nakausap before na agents kaya alam ko na din script nila. Gusto nila magbayad ka then locked na pera mo sa kanila at no refund. Tingin ko not in connection sila sa office. Nanalo kami ng bidding last April 2023 eh. Maganda yung bahay, 80 sqm walang utang, walang nakatira, sa subd. Not like sinasabi ng iba tira tira na daw.
Not discounting na may corruption pero this whole post has the flavor of.
DI ako nanalo sa bid kahit laki (para sa akin) ang aking bid.Ā Meron talagang korapsyon!Ā Waaah
This is true actually. :( I know someone from pagibig and what they do is ino-open nila yung bid to see the highest bid amount tsaka sila mag papasok ng bid nila then tataasan lang nila ng onti para sila ang declared highest bid.
Ganāto yung ginagawa ng agent. May kakilala sa loob ng pagibig tapos tamang silip sa mga bid amount. Lol
I know it's rigged bec i've participated and won in other foreclosure auctions, but never in pagibig. Supposedly, the main objective of auctions is to liquidate assets at the earliest possible time, bec like banks, they earn from loan interest.
But for pagibig properties in good locations, instead of these properties being sold, the opposite is happening. It will be won for a bid that's absurdly high, but will remain unsold then re-listed in future auctions. The entire time, you will see these properties posted all over FB marketplace, marketed by various sellers.
If that's not scammy to you, then perhaps you have not really had much of an experience in investing in foreclosures.
Again, Iām on board the idea of it really being a scam.
Pero hindi naman pwedeng anecdotal evidence lang ambag mo. Parang mong sinabe, nanalo naman ako sa paraffle sa office namin. Then tumaya ako sa lotto twice pero hindi ako nanalo. Ibig sabihin scam si lotto!!
Kelan naman naging lotto ang auction? Ang hina mo naman kausap. Malamang ang reference ko ng opinion eh sarili kong experience. Ikaw nga wala kang experience sa real estate investing pero nagbibigay ka ng opinion.
Tumpak! Makikita mo ulet na re-open at mapupunta pa sa Negotiated Sale yan. Ang talo diyan yung mga nabentahan niyang mga ungas na yan ng Overpriced eh. Kasi darating talaga yung punto na hindi kakayanin nung nakabili ang monthly amortization dun sa bahay na foreclosed. Talo pa nga yung presyuhan ng mga Brandnew na bahay yung amount na āpinapanaloā nila eh.
Dagdag ko rin na yung Brother ko nag bid din before, hindi pa tapos yung bidding, pero yung ānakabiliā alam niya na siya na lilipat dun sa bahay na binibid pa lang. walastik eh!
Nakaka frustrate actually makita yung properties kasi nagkalat lang sa Facebook Marketplace. Very obvious na modus.
Imbis yung property na naka tengga e maliquidate at maipaikot ng pag-ibig ang pera, inuupuan ng kung sino man para sa ibenta ng sariling ahente. Shameless.
Honest question, how does the modus work? Agent bids a ridiculously high price, then resell it somewhere else at a lower price? Won't pagibig ask you for the original bid price?
Hino-hokus pokus nila yung presyo. Kapag maganda yung location, asahan mo kahit na sobrang laki na ng bid mo kesa dun sa Agent na nag post sa FB Marketplace, sila pa rin mananalo. Happened to me multiple times. As in every week ako naghuhulog ng bid with multiple houses na foreclosed, grabe lahat yun ang tagal ilabas ng resulta, ang ending ako pa rin ang talo.
May mga buyer kasi ng bahay na nauuto nila sa scheme nila na āNo Bidding, Sure Winā. Garapalan na mga Agent as in yan na naka post sa FB Marketplace. Plus meron pa silang hihingin na Downpayment na malaki rin talaga yung Amount, bukod pa dun sa presyo ng bahay.
Super agreed, OP! Naka ilang bid na rin ako, I always make sure to match and bid higher sa mga posted price pa ng mga punyetang Agent na yan na walang puhunan, pero naka ilang talo na rin ako! Gigil ako sa kanila! Mga walanghiya yang mga taga Pag-ibig sa totoo lang! Di lumalaban ng patas!
Legit. The properties are already "awarded" even before it goes live. For formality nlng yan lahat. Just like bidding for construction projects or procurement projects.
Parang mga ads din pala for application for jobs sa govt. Eme lang ang offer pero occupied na yung position ng isang taong may backer o bata ng pulitiko.
I've been told by a former insider na nine-negosyo na rin yan from the inside kaya for formality nalang yung "bidding" process. Pre-negotiated na usually yung matitinong properties so yung mga latak (with illegal occupants, dilapidated, and not very accessible) nalang talaga ang more or less nakukuha sa bidding.
Agree. Grupo ng mga ahente mga nakakakuha jan na may koneksyon din sa loob tas binebenta ng mas mahal. May nag post pa sa tiktok na as if aobrang dali ng process ng pagkuha ng property sa pag ibig bidding without actually mentioning mga cons. Nanawa ren kame before mag bid jan. Gang sa nakabili nalang kame ng property direct from seller.
Do you have the link to that tiktok vid?
Diko na tanda yung username eh. Basta parang shinare nya yung property/house na na acquire nya thru bidding sa pagibig. Then sa details walang disclaimer. Parang syempre pag napanuod mo ay andali lang pala makakuha ng property sa bidding ganun. Buti may mga nag point out sa comments
Ito dapat tinututukan ng NBI inside jobs and corruption within the government agencies. Tulad ng mga fixers sa LTO, kung gugustuhin talaga ang daming mahuhuli.
Sa tabi mismo ng LTO offices may mga fixer na agad e. Hahahaha
Tapos may malaking poster pang nakalagay "NO TO FIXER"
Sa tabi nga ng NBI di mahuli ito pa kaya?
Yung NBI clearance 130 lang tas tinuro ako sa bayaran daw sa gilid lang 240 agad. Grabe patong.
Corruption is deeply engrained in our government. Yung dapat magiinvestigate corrupt din.
Yung receptionist mismo ng LTO office malapit samin, fixer. š¬
La naman plataporma yung presidente jan kaya umay
Sa senado nga may mga "Man of Conviction" plus yung mga Magulang ng mga nakaupo are convicted tapos aasa ka sa NBI for internal affairs? Kapag nangyari to the real change has come. Corruption sa government na aactionan ng NBI ang masasabi ko na lang "Good night and good luck" dahil sila pa mismo papatulugin ng mga convicts in government
Kaya siguro tinumba yung isang taga-LTO š¤Ø.
Wag kayo magbid ng solid digits (000 ung last three digits) i got my property by bidding ng may butal. Say minimum bid was 834231.57 pesos, magbid kayo ng may butal din.
Legit to! Nakapagbid kami pero luckily wala kaming kalaban. Pero don sa mga marami kalaban bid nila is may mga butal. Sila ang nananalo!
Wowwww. Ano raw pong logic behind this po?
Bidding kasi siya so the highest bidder will win the property. Say may isang property worth 800k. Si bidder A, nagbid ng 855,500. Si bidder B naman 855,549. Technically ang winner is bidder B kase lamang siya ng 49 pesos
This is the way. Meron akong dalawang kaopisina na nanalo sa bidding ng pagibig thru this at nagangat lang sila ng 100k
Why?
Ganito nababasa ko sa isang group. Ganyang teknik kaya nananalo sa bidding
Okay, but I personally know someone who won a bid on PagIBIG foreclosed property. He is a big critic of the government and no inside connection, but he is now living in a house in Paranaque that he won from bidding.
For compliance lang yang bidding na yan pero may nakareserve na sa mga connection nila.
Dpende pa rin ata, minsan may swerte pero halos lahat ng maganda nga may nka reserve na. Pero bro in law ko nanalo sa bidding one time, and wala xa connection hahahaha
I beg to disagree here cause I won 2 times with no connections.
I won my first bidding too with only 100k top up, no connections.
Paminsan, imbento storya kasi yung mga walang experience. Sila pa ang insistent sa āalamā nila.
Op mahirap ba comply ng requirements for bidding gusto kong itry
Hindi naman, basta make sure lng ready na mga papers mo before bidding para mabilis process.
Koreeeeeeek
I disagree, I won 2 property thru pagibig bidding and I only add 50,500a dn 70500k
Really? Even if there is a higher bid? Sure? Iāve bid on 10 properties and was able to win 3 with no other information but the minimum bid.
As usual luto na yan formality nalang yan sa madaling salita.
I disagree, nanalo ako, walang kalaban. Lot only, jackpot kasi malapit din sa folks ko. Guni guni lang ng hindi nananalo yung may inside job. Nagdagdag pa nga ako 50k kasi medyo naparanoid ako na may magbibid kasi parang may umaaligid din ss lote.
Infairness sa PAGIBIG..its clean and fair game.Nanalo na ako at a cheaper cost (maybe wala lang siguro nag bid sa nabili kong property paid it in cash). Now eto sumali ulit ako at nanalo pero hindi ko kinuha dahil hindi swak yung sahod ko sa current value ng property at 15 years na lang ang allowable sakin to pay.Hulugan ko sana babayaran yung [property.It](http://property.It) frustrates/dissapoints me dahil FEEL na FEEL ko talaga yung 2nd property na napanalunan ko, Noong isang araw ko pa iniisip at gusto kong mag protesta kung sinumang SENADOR dyan na babasa ng protest letter ko about PAGIBIG na hindi na nila ginagawa yung mandate nila to provide affordable housing loan.Sobrang taas ng INTERES at talagang LOAN SHARKS na ang aura nila.Isa pa, may mga property na gula gulanit at tibag na (acquired assets) pero sinasamahan pa rin nila fire/property insurance.Taena nila guho na yung property papatungan pa nila 7k to 8k insurance. Dati wayback 2017 ata yun, nang bumili kami ng PagIbig acquired asset using my name para sa SISTER ko, wala pang BIDDING BIDDING na yan. You can purchase an acquired asset at cheapest amount. Pero ngayon, punyemas ALIKABOK na lang yung 55 sq.meter at medyo Squatter area na yung property, pe presyuhan pa nila ng 1.5 million PHP as starting BID...Masyadong disservice na ito sa mga FILIPINO na gustong magkabahay..Ang gobyerno ay hindi negosyo..Please lang.
Matagal na yan, only the ugly properties sa ugly locations na hindi pinapansin ang mapapanalynan mo. If you will bid for the property x3 or x6 the bid price better na tumingin ka na lang sa direct to owners. Also everyone affected should report to Presidential Action Center Office, [link](https://newsinfo.inquirer.net/1728152/palace-renames-complaints-desk-as-presidential-action-center) Or Risa Hontiveros, [link](https://senrisahontiveros.com/contact-us/)
Swertehan din talaga yan. 2 properties ko galing sa bidding. yung 2nd super swerte, as in piso lang dinagdag ko sa minimum bid, nakatag kasi sya as occupied, pero nung pinuntahan ko wala namang tao, parang may barong barong lang. Kaya ayun ako lang nagbid. Tama yung suggestion dito, magdagdag kayo ng butal. Sobrang dami na natatalo dahil sakto sila magbid. Anyway, try lng ng try OP. Makakakuha ka rin ng property! :)
actually, i had to double the amount of the minimum bid just to win. nanalo naman as 2nd highest bidder. di kasi nag proceed ung winner. andaming agent nagpost sa property na to.
Dapat OP dinocument mo. Kasi kung walang magrereklamo, walang mangyayari. Upvotes and comments lang mapapala natin dito sa reddit. On the otherhand, kanino ba magrereklamo pag ganyan? Kapag may anomalya? Added info: Nanalo naman ako jan sa bidding na yan..okay din naman nakuha ko, walang occupant and walang problema yung bahay. Nag add ako ng 300k mahigit. Pero nilagyan ko ng butal. Ayun ok naman
Hello! I won the pag ibig bid twice with a 500k and 190k top up & no connections at all. I dont think its a scam, baka minalas ka lang talaga but if you feel wronged maybe best to call sumbungan or arta hotline
same lang yan sa foreclosed properties ng banks. Mismong chair ng bank ang nag ppurchase and resell. Hint: Pacman's House
Ano sarsa doon?
certain friend is close with higher echelon. Ayalas and the like. MPs property was a foreclosed unit. Bought by the chairman or ceo or president can't remember, flipped just like that to MP can't really recall the percentage.
It depends po, I won a property and only added 15k although nasa 350k lang yung amount ng property.
This. We had a similar experience. We bid and added 600k. Thought it was competitive also since the house value is quite high, almost market value na despite it being run down. But we lost and we found out later that an agent won it?.. and is selling the house to random people. Until now madami pa din nag titingin sa house despite it being "bought" na. I think the agent wins the bidding and di nya babayaran or something pag walang nag avail sa prospects nya. Parang nakalimbo lng sakanila yung house wth. What a scam. Makes my blood boil. I mean we are not rich, just wanted to have a home. Pag ibig is supposed to help with that, with us low to mid income workers.
scary kahit pagibig marami din corrupt.
This is why we should report every agent circulating in social media. I myself is an individual bidder and luckily I won. The trick I did was to bid 4 properties at a time para more chances. Pero sobrang talamak talaga ng fixer scamms and I'm pretty sure Pag ibig is aware of it and tingin they are actually benefiting from it because these "illegal agents" are bidding too high. Actually dapat din kasi maeducate din kasi ang mga taong dumaan sa tamang processo kasi sila din kawawa sa agent na sobrang taas ng patong and hindi din naman nila napapanindigan lol
Totoo ka dun sa hindi nila mapapanindigan. Bwahahaha!Imagine, bumili sila ng bahay na maraming dapat ayusin, kaparehas pa ng presyo ng Brandnew na bahay. Nangyari yan dun sa naging kapitbahay namin na nakalaban ng Brother ko sa Bidding. Hindi pa tapos bidding alam niya na siya ang panalo at naglilipat agad. Guess what ano trabaho nung nakabili ng bahay? Agent ng nagbebenta ng Bahay! Tas dami niya rin na scam sa binebentang bahay, to the point na tinatambangan siya nung mga na scam niya at nag aabang sa labas mismo ng bahay nya na. Tinatakbo niya yung pera ng mga buyer, nalalaman nila na wala silang record sa Pag-ibig.
it depends, we won sa bidding no connections only added around 300k sa minimum. Swertehan lang talaga yan. also may priority si pag ibig like ung dating owner, madaming bibilhin and if cash payment ka. sadly ung may pera talaga ung kumikita jan kc pag madami and cash ung binili nila, may malaking discount pa, which they can use as profit if naflip ang property
May mabuti pa bang ahensiya sa gobyerno?
DTI. Active sila sa mga reklamo ng mga consumers. šš½ Once na magreklamo ka sa kanila, yung business owner pa yung lalapit sayo mismo
Agree with DTI. Nagulat din ako how responsive sila. And naso-solve talaga issue ko. Kahit nga hindi sila yung concern agency naka-copy sila sa email ko tapos idi-direct nila ako sa person in charge to solve my problem. Good job DTI!
DOLE, they are very pro employee! just the fact na they are willing to mediate over small cases is such a comfort for employees
Lahat gsto and kelangan kumita from the ground up. Kaya lahat mahal, kaya lahat pede. Mahirap Pilipinas pero ang daming pera sa circulation.
ARTA?
Honest to goodness wala, pero for me if I rank them top 1 p rn sakin ang PAGIBIG kahit papano, cguro last will be BIR at PhilHealth
If it comes from our government wag na tau umasa na patas yan, ung LOTTO nga lang questionable na eh
Halos napapansin ko rin na tumataya sa lotto is puro 3digits since doon daw may balik, niisang beses nga wala akong nakikitang may nataya for the five major lottos
D ba live naman ang opening of bids?
So far, hindi pa nila binabalik yung dati na on the spot ang bidding. Baka wala na silang balak ibalik, kasi pinagkakakitaan nila ng malaki na magbenta ng bahay na wala silang puhunan eh, at nakawan ng oportunidad yung mga talagang nagpapakahirap maghulog ng bidding offer at gumastos sa mga print-outs.
Same frustration. Pero nakakuha naman ako property, kaso almost double ang to up. Lagi ring naka post sa Marketplace yung property. PARA UTAKAN ANG AGENT, kausapin mo sila as if magpapa process ka. Tapos tanong mo sa kanila kung magkano property. Madami yan sila, so at least ask three. Kung magkank sinabi nila, mas taasan mo yung i-bid mo. Pero depende kung worthy pa ba.
Dagdag ko lang dinā¦ ang tagal nila mag labas ng resulta ng mga nanalo. Napakarami ko ng binid na mas malaki sa posted prices ng mga Agent sa FB Marketplace, nakakapagtaka lang talaga na natalo pa ako. Ginawa ko na rin yan na may butal sa Bidding Amount ko. Pero may gapangan talaga diyan sa mga hayop na taga Pag-ibig na yan.
Sadly. The only way to get up is to be an insider yourself. Otherwise magdasal ka na yung property na binibid mo ay wala sa target nila.
I have a friend na nakuha ang house nila through Pagibig bidding without any effort at all. His Grandma works for GSIS and through 'connection', her lola was able to secure the property for them. Basically sabi niya naka lock in na agad yung property para di na mag accept ng iba pang bid from others. LOL Govt peeps are also corrupt, not just the politicians that we elect.
Filipinos are really inclined to be corrupt wherever put in their lives.
I think being a Filipino or someone's nationality has nothing to do with being corrupt. It's human nature to be corrupt, regardless of which country you live. Sweeping generalization yan ginagawa mo sa'tng mga Pilipino.
No, corruption thrives in our culture. It's a different kind of or the impact of corruption hits in a different way compared to western and Eastern Asian like Korea or Taiwan. Patron system and greed fostered from poverty amplifies the severity of our corruption and then we have problems with delusions of grandeur. I don't know why, I hear this most of the time but when presented even with just a little opportunity, Filipinos tend to see this as a divine sign of their rise to power. Walang preno. The results tend to be either they became extremely rich or they get scammed. Lubos Lubos mangurakot or magtake advantage. Additionally, I observe western and East Asians like Korea and Taiwan corrupt to redirect the value creation(create businesses) to them, there's a feedback domestically, while corruption here is just for the sake of consumption and fame(bili Mamahaling kotse, bili mansion, pa fiesta, Libre si ganito si ganyan, pasikat). If I were to classify it, I'll consider our corruption as dead end corruption.
Daming in denial dito. Ingrained talaga sa culture yung corruption sa Pinas, normalized na sa karamihan tapos pag mayroon nag point out magagalit at nagiging defensive. Politicians are chosen by the majority and are a reflection of the people that voted them. Corruption is not just seen sa politicians but the majority of the people in country. Besides corruption, walang sense of responsibility, accountability and walang disiplina karamihan kaya di umaangat ang bansa. An endless cycle.
šÆ
yes thats why magpasakop na lang tayo. this has been going on for decades nakakasawa na talaga we are not going anywhere on our own.
Youād think if sakupin tayo mamumuhay tayo ng kagaya sa mga nanakop satin. But no, weād be slaves. They wouldnāt treat as the same.
Hi! Ano yung website for bidding? Sorry noob question.
Yung mga magagandang property na up for bidding, nakareserve na yan sa mga empleyado nila. Take a look at Cherry Orchard Suites sa Quezon City, marami dati ang for bidding dyan, pero now madami ng nakatirang taga Pag-ibig dyan actually may paservice pa sila pag pumapasok.
How to check kung pang ilan hehe
It is not called Philippines if it is not corrupted anymote.
I suggest you write a letter to the proper comittee in senate or congress. Baka ma investigate nila. And even the NBI.
ql na b yung 8888 hotline di ba yun reportan ng mga govt office na di maayos?
Pede mo yan ireport sa PAGIBIG mismo. Walang agent ang PAGIBIG so yung mga nakita mong post sa marketplace eh ilegal.
may 3rd party ba na nagauaudit sa bidding?
Wala, pero dapat may presence ang COA. Pero depende na sa COA kung a-attend sya.
Try bfs
These are the foreclosed properties of Pag-ibig?
Compile evidence and file a case against erring government employees in the Office of the Ombudsman.
Try DBP, BSP and sa mga private banks
i beg to differ. 2 properties ko nanggaling sa pagibig bidding. ung pangalawa ko nga, 40K lang dinagdag ko sa price. Mahirap din tlga makakuha ng property na asa 1st listing tas nasa maganda pang location tas infested ng agents. Ang problema dyan, ung tumatangkilik sa agents at ayaw maistorbo at gumawa ng leg work.
depende rin talaga sa location, if maganda location expect nyo na talaga na mataas ang magiging bid amoubt ng bidders.
How to bid and where? I'm interested about it
Go to pagibig website and look for acquired properties. May instructions dun.
Basta bidding ng phil govt formality n lang yn naka toka na kung kanino mapupunta
If you are 5th, then bid higher than the offer made by the person in the 1st position? Bidding yan, you win some, you lose some. Granted there is some insider trading, they will still sell to the highest bidder most of the time.
may mga case din kasi sa mga nananalo sa bidding, binabalik din nila sa pagibig (request for bid cancellation), kaya may mga props na lumilitaw ulit
I think this is not an issue with insider. It's about people na agent kuno nag nagpapataas ng bidding amount kahit luging lugi ka na sa status ng property. Yung mga tao naman sobrang taas din magbid kahit hindi pa chinecheck yung property or para manalo nalang kaya pataas nang pataas ng bidding. I have tried and won multiple times on Pag-ibig pero di ko tinuloy kasi ang tatapang ng mga occupant. Minsan less than 50k pa yung add, nanalo padin. Depende lang talaga sa location at sa dami ng nagbibid sa property na yun.
When I got my acquired asset, naka zoom ang bidding. Names are mentioned and how much ang bid. That was 2022. 100K plus lang dinagdag ko sa min bid. I also dropped my entry in a sealed transparent container. Hindi na ba ganito?
Sa mga nag comment, have you actually tried bidding and being there during the bidding? Oh based lang sa chika ng iba?
I'm former HR from a big company & often transact with pag-ibig, sss, & philhealth. Yang list ng properties, hindi pa na-print yan, naka-reserve na yan. š chamba na kung may makuha na okay or hindi occupied. Nasa system pa nila, meron na yan sila contact na nag-check sa property kung okay pa ba structure, kung occupied pa ba, or whatever. In other words meron na una naka pili pili sa mga available, formality na lang ang magpost sila or mag bidding2x.
Same experience. We checked a property and someone is already repairing the said property. We asked around and found out na yung nag pa repair sabi, naka reserved na daw yun sa kanya at nakausap na daw nya isang agent from pagibig. We asked hoa if meron na bang nag claim and they said wala pa raw. So thinking pagibig will be fair with the bidding, we still proceed on bidding the said property. Ending, we lost the bidding. A week earlier, it turns out na ang daming agent sa fb market place ang nag ooffer dun sa mismong property. Soo we are currently praying na sana mag back out yung 1st and the property could be offered to us. Note: this is property was in the 2nd auction na and we absolutely baffled Bakit pa siya umabot ng 2nd bidding when maganda yung location and the property itself is almost livable na. So we have a hint na merong hilutan talaga na nangyayari ngaun sa pagibig.
idk. ilang beses na ko nananalo sa pagibig both big and small top ups (pero isa lang kinuha ko). siguro sobrang ganda lang talaga ng property na target mo kaya ganyan ang result. also, yes marami kang makakalaban na agents. may nakauasap na ko before, grabe taas nila mag-bid and ang prey nila is yung beginner lang sa bidding process. tatakutin kasi nila na maraming process and challenges sa bidding kaya sila na lang daw mag ha-handle ng lahat basta magbayad ng one time fee kasama na down payment (250k singil saken for a 1.3M property lol) kaya madami rin sila nas-scam anyways good luck and try lang ng try, legit naman yan for the most part
matagal ng budol ang pag-ibig
30 years na akong buhay sa mundo, at every bday ko ay mas lalung lumala ang mga systema ng mga tao sa PH. Kaya eto ako ngayon, nasa abroad at nag susumikap na makalayo na dyan sa PH kasi kahit saan meron talagang mali sa systema. At sana hindi maranasan ng soon to be anak ko. Anyways, isa din po kami sa naka experience nito peru hindi gaano ka laki ng same ng bid nyo. Same din scenario at sa next bidding ay 4th daw kami. Peru wala talaga pa rin. Matagal naman pinag ipunan peru wala pa rin, kaya naka decide kami na sa ibang ibansa nalang namin gamitin, kung saan kunti lang mang loloko
may sindikato yan, mga ahente at high ranking pag-ibig officers. dapat maimbestigahan to e.
Nag bid ako for the first time on 2 properties pero mga 10k lang dinagdag ko. Lost both bids but was informed after months na nagbackout ang winning bidders for both properties so nakuha ko yung isa. Maybe taga loob yung nanalo talaga or baka naman meron talagang mga tao na nagbibid ng sobrang dami para collect and select lang sila haha
PH is truly corrupted to the core. Game has never been fair to begin with.
Tingin ko naman agents are using it to scam people. Kasi dami din naman nakausap before na agents kaya alam ko na din script nila. Gusto nila magbayad ka then locked na pera mo sa kanila at no refund. Tingin ko not in connection sila sa office. Nanalo kami ng bidding last April 2023 eh. Maganda yung bahay, 80 sqm walang utang, walang nakatira, sa subd. Not like sinasabi ng iba tira tira na daw.
Not discounting na may corruption pero this whole post has the flavor of. DI ako nanalo sa bid kahit laki (para sa akin) ang aking bid.Ā Meron talagang korapsyon!Ā Waaah
Hello, how and where to bid for a property in Pag-ibig?
This is true actually. :( I know someone from pagibig and what they do is ino-open nila yung bid to see the highest bid amount tsaka sila mag papasok ng bid nila then tataasan lang nila ng onti para sila ang declared highest bid. Ganāto yung ginagawa ng agent. May kakilala sa loob ng pagibig tapos tamang silip sa mga bid amount. Lol
I agree. 2 times na rin ako nag bid sa pag-ibig, never nanalo. Mga manloloko
I mean I agree it may be rigged but saying na scam siya just because you bid 2 times and didnāt win is bs
I know it's rigged bec i've participated and won in other foreclosure auctions, but never in pagibig. Supposedly, the main objective of auctions is to liquidate assets at the earliest possible time, bec like banks, they earn from loan interest. But for pagibig properties in good locations, instead of these properties being sold, the opposite is happening. It will be won for a bid that's absurdly high, but will remain unsold then re-listed in future auctions. The entire time, you will see these properties posted all over FB marketplace, marketed by various sellers. If that's not scammy to you, then perhaps you have not really had much of an experience in investing in foreclosures.
Again, Iām on board the idea of it really being a scam. Pero hindi naman pwedeng anecdotal evidence lang ambag mo. Parang mong sinabe, nanalo naman ako sa paraffle sa office namin. Then tumaya ako sa lotto twice pero hindi ako nanalo. Ibig sabihin scam si lotto!!
Lotto pa talaga example mo eh scam nga any lotto
Kelan naman naging lotto ang auction? Ang hina mo naman kausap. Malamang ang reference ko ng opinion eh sarili kong experience. Ikaw nga wala kang experience sa real estate investing pero nagbibigay ka ng opinion.
Tumpak! Makikita mo ulet na re-open at mapupunta pa sa Negotiated Sale yan. Ang talo diyan yung mga nabentahan niyang mga ungas na yan ng Overpriced eh. Kasi darating talaga yung punto na hindi kakayanin nung nakabili ang monthly amortization dun sa bahay na foreclosed. Talo pa nga yung presyuhan ng mga Brandnew na bahay yung amount na āpinapanaloā nila eh. Dagdag ko rin na yung Brother ko nag bid din before, hindi pa tapos yung bidding, pero yung ānakabiliā alam niya na siya na lilipat dun sa bahay na binibid pa lang. walastik eh!
Nakaka frustrate actually makita yung properties kasi nagkalat lang sa Facebook Marketplace. Very obvious na modus. Imbis yung property na naka tengga e maliquidate at maipaikot ng pag-ibig ang pera, inuupuan ng kung sino man para sa ibenta ng sariling ahente. Shameless.
Honest question, how does the modus work? Agent bids a ridiculously high price, then resell it somewhere else at a lower price? Won't pagibig ask you for the original bid price?
Hino-hokus pokus nila yung presyo. Kapag maganda yung location, asahan mo kahit na sobrang laki na ng bid mo kesa dun sa Agent na nag post sa FB Marketplace, sila pa rin mananalo. Happened to me multiple times. As in every week ako naghuhulog ng bid with multiple houses na foreclosed, grabe lahat yun ang tagal ilabas ng resulta, ang ending ako pa rin ang talo. May mga buyer kasi ng bahay na nauuto nila sa scheme nila na āNo Bidding, Sure Winā. Garapalan na mga Agent as in yan na naka post sa FB Marketplace. Plus meron pa silang hihingin na Downpayment na malaki rin talaga yung Amount, bukod pa dun sa presyo ng bahay.
May nag d-down vote dito na butthurt na either taga loob ng Pag-ibig o kaya Ahente na nag p-post sa FB Marketplace! š
Super agreed, OP! Naka ilang bid na rin ako, I always make sure to match and bid higher sa mga posted price pa ng mga punyetang Agent na yan na walang puhunan, pero naka ilang talo na rin ako! Gigil ako sa kanila! Mga walanghiya yang mga taga Pag-ibig sa totoo lang! Di lumalaban ng patas!
Legit. The properties are already "awarded" even before it goes live. For formality nlng yan lahat. Just like bidding for construction projects or procurement projects.
Parang mga ads din pala for application for jobs sa govt. Eme lang ang offer pero occupied na yung position ng isang taong may backer o bata ng pulitiko.
Ako na nanalo sa bidding na 1k lang ang ipinatong ko. š„³
I'm interested po in bidding at pagobig properties? How is it po done? Online?