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