Fully Paid Lot? Your Dream House May Be Closer Than You Think You already paid for the land. You have the title. The lot is sitting there. And every year, you say: “Maybe next year we can finally build.” But here is the question many lot owners in Cagayan de Oro should ask: Do you really need to wait until you have the entire construction cost in cash? For qualified borrowers, the answer may be no. A fully paid residential lot can be an important starting point when exploring