Build now, pay later: Where to get funds for your dream house?

2tamani-residence-alcoy-residential-2

Tamani Residence Alcoy

In today’s world of commercial sophistication and increased opportunities for the Filipinos, and as long as you have a qualified income stream, funding your house construction is no longer an impossible dream.

Your contractor should be able to help you get the needed funds for your dream home either through bank loan facilitation or through internal financing as an added service. Not all contractors venture into internal financing due to the accompanying risks when dealing with construction credit. Only the bold and the big hearted contractor go as far as helping the client find his funds.

As an added service, the big hearted contractor can help secure the needed documents and requirements for the client’s bank loan. A well experienced contractor should also be able to give guidance in securing the needed documents and requirements for the customer’s bank loan and iron out whatever obstacles or difficulties he might encounter in trying to secure the loan. If the bank loan path is not the preferred means of securing the funds, the big-hearted contractor should also be able to facilitate an internal financing or even by connect the customer to enterprising individuals looking to finance the construction using the customer’s lot title as collateral. Either way, the house construction should no longer become a far-fetched dream for the qualified customer.

We here at Fine Finish Cebu have the experience to help every customer with his loan requirements – such as design blueprints and estimates prepared by a well-experience quantity surveyor. Our long experience in the construction industry has also equipped us with the needed knowledge in ironing out the kinks in the customer’s requirements and documents. If a bank loan is not yet favorable, we can also help through our revolutionary “loan buyers system” where we connect customers with enterprising individuals (investors) who find confidence in a certain customer’s qualifications – still the main collateral is the customer’s lot title.

If you have questions and inquiries, let us know…

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Tamani Residence Alcoy option 2

1edmonds-residence-pardo-option-2

Edmonds Residence Pardo Cebu

3lee-ann-borneo-residence-consolacion-final-day-view

Lee Ann Borneo Residence Consolacion

Other projects for construction… 

59 comments

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    • Ritchie S. on May 24, 2021 at 11:15 am
    • Reply

    Pila minimum project cost para sa Build Now Pay Later scheme? we have 40sqm lot located in Liloan.

    1. There is no minimum for the build now pay later — you just need to submit copy of the lot title, your six months payslips, and your Certificate of Employment…

    • maybelle villaver on April 26, 2021 at 11:24 pm
    • Reply

    hi do you still offer this build now and pay later? for OFW in canada this is a big help for me. to build my dream house come true.

    1. Build now pay later is a construction loan which we will help you facilitate thru our friends at BDO.

      Admin

    • celeste on January 17, 2021 at 12:29 pm
    • Reply

    im an OFW with lesser salary
    do you have this programme for us?

    1. Our build now pay later program is now processed thru a bank construction loan which we can process for you in your behalf.

      To get started, simple send a scan/photo of your lot sketch plan / title/ or tax declaration, and a description of each floor of your planned house.

      Send to finefinishcebu@gmail.com

      Admin

    • Dayanara A. Caña on June 16, 2020 at 8:34 pm
    • Reply

    Good day,
    Do you have a Facebook page? or any person that I can contact with thru Facebook?

    1. https://www.facebook.com/FineFinishCebu/

    • Dayanara Caña on June 16, 2020 at 8:22 pm
    • Reply

    Good day,
    Do you have a Facebook page? or any person that I can contact with thru Facebook?

    1. https://www.facebook.com/FineFinishCebu/

    • Dayanara A. Caña on June 16, 2020 at 3:30 pm
    • Reply

    Can I ask for more details about this service like
    1. Design Fee – is this based on how much storey?
    2. What kind of finances?
    a. ( % ) downpayment payable for ( # ) months/yrs
    3. When to start building the house.
    4. Building construction span of ( # ) months/years?

    1. 1. Design fee is only p10-20k depending on structure size.
      2. thru BDO
      a. BDO initial release is significantly higher than other financiers thus it will be usually enough to start construction.
      3. We can start construction right after the initial release.
      4. Construction duration depends on the size of the structure and level of difficulty of terrain and over all design.

      To get started, you can send a scan of your payslips (6 months) and Certificate of Employment to finefinishcebu@gmail.com

      Val

    • Jason on May 22, 2020 at 12:35 am
    • Reply

    Hi, I want to avail your service build now and pay later.

    1. Please email us the following scans/photocopies:
      1. Certificate of Employment Stating Income
      2. Lot Title
      3. Two government IDs

      Val
      Admin

    • Dario C Borlaza jr on March 2, 2020 at 3:16 am
    • Reply

    sir/mam gud day naa koy 100sq m lot along the bgry road diri sa brgy canjulao llc titled ni ug gusto nako mo apply ko ug build now pay later unsay mga reqrmnts…ty

    1. Simply send us the following scans (preliminary docs):
      1. Tax Dec or Lot Title of your project site
      3. Lot plan of your project site (if available).
      3. Rough drawing or description of your planned project (e.g. number of floors, bathrooms, other works needed, etc.)
      4. Work contract / Certificate of Employment stating income
      5. Latest 3 months payslips

      Email scans to finefinishcebu@gmail.com

      Val

    • Maimai on July 6, 2019 at 4:03 am
    • Reply

    Hello po,

    How much is the cost estimate for the Build Now Pay later scheme. Lot is 64sqm. Planning to build a duplex for 2 families (32sqm per unit) with 3 storeys. Lot is still under a different name, though. Transfer is still pending. May I also ask for the requirements na din. Thank you

    1. You will need to complete the transfer first.

      Title should be on the name of the person who will apply for the build now pay later loan.

      You will need to simply email scan of lot title, lot sketch plan, tax declaration, certificate of employment stating income, and latest 3 months payslips.

      We can only provide costing after we finish your house blueprints.

      Val.
      finefinishcebu@gmail.com

    • emil quindiagan on June 12, 2019 at 10:22 am
    • Reply

    hi i’d like to avail the build now pay later, do you have any details on the payment basis?, such as down payments and monthly amortizations?, i have 100 sqm lot here in tuburan, not yet transfered under my name due to lack of budget… thanks

    1. Our build now pay leter scheme is now thru our partner bank (s).

      The down payment will depend on the approved loan amount.

      It would be best if the lot is already under your name as it is one of the the colaterals.

      Val

    • Abelardo Dano Sagarino on May 20, 2019 at 6:19 am
    • Reply

    Sir,

    Good day!

    Planning to build new apartment which is average cost? do you accept build now pay later? if so what are the requirements?

    Thank you,
    Abel

    1. Abel,

      Our build now pay later is thru our partner bank(s).

      IF you can’t pass BDO, we will refer your documents to our internal financiers.

      You can send a scan of the following:

      1. 3 months Pay slips

      2. Certificate of employment stating pay and other monetary benefits.

      3. Lot title or tax declaration

      4. Lot plan

      Cirilo

      Founder
      finefinish.cbu.asia
      639214275469
      We rise by lifting others…

    • Wende on December 19, 2018 at 5:52 am
    • Reply

    Hello! me and my husband is quiet interested on this build now and pay later, however, we have some questions. 1. do you accept right titles only? 2. what is the payment scheme of this? is this installment basis? if it is, number of years to pay, or if it is a one time payment only. thank you so much.

    1. Hi Wende,

      1. What is a right title only? Is that tax dec? free patent?
      2. Payment is monthly 5, 10, 15 years…

      Val

    • Ton on November 14, 2018 at 4:02 am
    • Reply

    Hi,

    Do you also finance house repair?

    1. Hi Ton,

      What specific repairs do you need?

      It will depend on the size and cost of the repair.

      Let me know.

      Val
      finefinishcebu@gmail.com
      09214275469

    • Edchel O. Fuentes on October 31, 2018 at 11:00 am
    • Reply

    hi, I’m very interested about this build now pay later.
    how much is the budget for 80sqm floor area? with 2 bedrooms, carport, bungalow.
    what is the way of paying?
    here is my contact number 09339276070

    1. Edchel,

      Costing will be based on finished design, but I recommend a safe budget of roughly p1.6-1.8M based on latest materials price increase.

      Payment will be thru bank.

      Cirilo

    • mary estella on October 27, 2018 at 10:04 pm
    • Reply

    Hi,
    unsay requirement sa build now pay later? one storey commercial.

    1. 1. Scan or photocopy of title
      2. Bill of materials from contractor
      3. Blueprints

      finefinishCebu@gmail.com

        • gerlou b.quilisadio on February 29, 2020 at 5:25 pm
        • Reply

        hello admin
        i would like to build house in leyte, my lot there is 500 square meters. but my colateral is my lot in cebu subdivision 250 square meters. mode of payment is my salary as a seaman.

        1. Yes that will do.

          Simply send us the following scans (preliminary docs):
          1. Tax Dec or Lot Title of your project site
          2. Tax Dec or Lot title of your collateral site
          3. Lot plan of your project site (if available).
          4. Lot plan of your collateral site (if available).
          3. Rough drawing or description of your planned house project (e.g. no. of floors, bathrooms, etc.)
          4. Work contract / Certificate of Employment
          5. Latest 3 months payslips

          Admin

          1. email to finefinishcebu@gmail.com

    • Zie52g on October 17, 2018 at 10:05 am
    • Reply

    Hi. Does home renovation included in your Build now Pay Later scheme?
    Thank you

    1. Renovations will be thru home improvement loan thru bank or Pag-Ibig which we can also process for you…

      Val
      639214275469

    • Rosie Jane on October 14, 2018 at 1:33 am
    • Reply

    I am from leyte. And I am planning to avail build now pay later..do u have a branch here?

    1. Hi Rosie,

      We’re based in Cebu, but we can process projects anywhere in the country.

      How many floors do you plan your new house to have? How many rooms and bathrooms? Will it have a carport and terrace?

      Please email a scan of your lot sketch plan.

      Val
      finefinishcebu@gmail.com
      639214275469

    • Eureka Valencia on October 9, 2018 at 5:25 am
    • Reply

    Hello. Do you also offer build now- pay later term if yhe lot is located in Masbate City?

    Thank you.

    1. Yes.

      Is the lot titled under your name?

      The name on the title should have income source.

      Please send a scan of your title and lot sketch plan to finefinishcebu@gmail.com

      Val
      09214275469
      Admin

    • Ariel on August 8, 2018 at 11:18 am
    • Reply

    Hi,
    I just recent purchased a house in Park Place. Turnover will be on 2019. I would like to extend balcony, carport and kitchen. I am interested of taking advantage of the “Build Now-Pay later” if it is still available. Can you tell more about it. Thanks!

    1. Hi Ariel,

      Build now pay later is only for new house builds.

      But if you need a design or estimates for your expansion project, let us know…

      Val
      Admin
      09214275469

    • Ramelito Potot on July 9, 2018 at 2:17 am
    • Reply

    Good Day, i have a commercial property at Cordova Cebu along the route of the new 3rd Bridge. I am planning to construct a commercial bldg on it. Can you assist me with your Construct now Pay later program. I am willing to partake on the required 30% of TCP. The lot area i am referring to is 440 m2. along National Hi-way at brgy Gabi Cordova.

    1. Yes ~ let’s start with your design.

      Val
      Admin

    • Ed Vergara on April 7, 2018 at 1:37 am
    • Reply

    Hi,

    I am enquiring on how to construct my house by your “build now pay later” plan. Lot location in Barangay Punta Princesa, Cebu City. Please send me details. Thanks.

    Regards,
    ed

    1. Hi Ed,

      Please send as a scan or soft copy / digital file of the following:
      – lot sketch plan
      – title or tax declaratio
      – house design blueprint

      Let me know if you don’t have a house design yet.

      Val
      639214275469
      finefinishcebu@gmail.com

    • philip on January 19, 2018 at 7:02 am
    • Reply

    how does the build now pay later work? is it bank financed or inhouse financing? how much is the cash out for it to start? and the terms please.

    1. First, we try our friend at BDO, if not, we have in-house financer(s).

      Bank will release initial amount to start the construction around 10%. Then you must add 30% to the implementation before the next big release.

      Payable in 5-10 years.

      Admin

    • Mary grace Corilla on November 25, 2017 at 10:34 am
    • Reply

    The unit i purchased is not rfo so it needs revision. I want you to give me the quotation.

    • Mary grace Corilla on November 25, 2017 at 10:24 am
    • Reply

    What is your mode of payment?

    • Joy Sinha on November 21, 2017 at 7:37 pm
    • Reply

    Hi I have a lot in Quiot Pardo about 198 sqm and 99 sqm. I am planning to build an apartment in that area but lack of financial back up for the building. Could you help? I wanted to build 4 doors apartment for your scheme build pay later will that be possible?

    The land is very sloppy I know you are professional Builders and you should know how to rectify the problem.

    1. Hi Joy,

      We need to work on your complete design and blueprint first since it is the basis for the costing analysis which is also required by the financing party. Both blueprint and costing details are required.

      Our cost for the designing blueprinting is fully refundable or chargeable to the construction cost.

      We can start with a site survey on your lot.

      Cirilo
      Admin
      639214275469

    • Odessa Rabor on November 5, 2017 at 4:21 pm
    • Reply

    Good Day,

    I’d like to know about the Build Now Pay Later Program…

    I have a small property in Badian and I want to build a small bungalow house. I also want to know about affordable yet quality construction. Is Precast safe? I have read its faster to construct using this material but is it more affordable and available in my area?

    Can I get a free quotation and estimate?

    Thank You..

    1. Hi Odessa,

      For the build now pay later, you will need to email a scan of your lot document(s) and income doc(s).

      Yes, using precast will result in faster construction but you cannot order it in 1 or 4 pieces. You need to order precast in bulk such as when you’re doing a subdivision with several housing units or a multi story building.

      For quotes, simply email your prelim design(s)…

      Val
      admin@topcebucontractors.info
      639214275469

    • Janet Diez on November 5, 2017 at 12:20 am
    • Reply

    good day!
    i have 155sqm lot located at basak, lapu-lapu city, cebu but lack of resources to build my home. can I avail the build now pay later program thru in-house financing?

    1. Hi Janet,

      Please email me a satellite view of your lot using wikimapia.org and a scan of your title.

      Val
      admin@topcebucontractors.info

    • Jenny Quilestino Magallanes on October 27, 2017 at 2:55 am
    • Reply

    Hi, I would like to take advantage this program. BUILD NOW AND PAY LATER.

    My lot is just 50 sqm. Here in Guadalupe.

    1. Hi Jenny,

      We can start with a site check on your lot.

      How do we locate your lot?

      Please provide directions.

      Val
      Admin
      639214275469
      admin@topcebucontractors.info

    • Darvin Pescante on October 3, 2017 at 2:47 pm
    • Reply

    Hi id like to avail the build now pay later thru pag ibig. I have a lot in liloan. Can you assist me if ever? Btw where is your office location. Tnx

    1. Hi Darvin,

      I’d be glad to help you get funds for your house project.

      We can start with a site check on your lot.

      Our office is at Day-as, Cordova, Mactan, Cebu.

      We can first meet at your lot then we can proceed to our office.

      Val
      Admin
      09214275469

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