You’ve finally decided to build on your lot in Cagayan de Oro.You talk to a contractor, get a quotation, maybe even set a target date. But in the back of your mind, there’s a fear you can’t shake: “Paano kung maubusan kami ng pondo sa gitna ng construction?”“Paano kung ma-delay ang release ng loan, tapos tumigil ang trabaho sa site?” For many lot owners, this is the #1 construction nightmare —not just rain delays, not just availability of workers,but that awful moment when mo

You already have a lot in Cagayan de Oro—or you’re about to buy one. Then the big question hits: “Mas practical ba magpatayo ng bahay sa lote ko, o bumili na lang ng ready-for-occupancy (RFO) unit?” It’s a heavy decision. On one side: RFO sounds fast and convenient . On the other: Building on your own lot using Pag-IBIG or bank financing  gives you more control and flexibility . This guide will help you compare build vs buy (RFO)  using four lenses that matter most to real cl