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