Why CTS Gold?

Owning your dream house with

CTS (Contract To Sell) Gold is to make owning a house in Deca Homes very affordable and easy on the budget. With just a Php 10,000 reservation fee and at least three Php10,000 equity one can already move-in to a brand new Deca Home. The Balance of the purchase price is then payable in monthly amortization over 25 years.

See table below to see why choose CTS Gold:

Fixed Interest rate at 11%. Its that simple!!!

That’s why its DECA CTS GOLD – 11!!!

With re-pricing depending on the chosen fixed-pricing period:

3-Year Fixing/Re-pricing = 7.985%

5-Year Fixing/Re-pricing = 8.985%

10-Year Fixing/Re-pricing = 10.000%

15-Year Fixing/Re-pricing = 10.750%

20-Year Fixing/Re-pricing = 11.125%

25-Year Fixing/Re-pricing = 11.500%

30-Year Fixing/Re-pricing = 12.250%

Rebate will be given to the buyers who pay on or before the due date of their monthly amortization for the 1st 5 years. None.
100% Net Disposable Income of the borrower of family’s combined NDI 35% Borrower’s Gross Monthly Income for loans not exceeding P750,000.00
Affordability computation is based on the submitted POI with one-on-one appearance of the buyer. POI must be properly documented with CIBI and one-one-one appearance of the buyer
Considers Income support from any of the family members. Co-borrower is required if the borrower’s NDI is not sufficient to avail the desired loan amount.
100% Loan-to-Collateral Ratio, thus, lower Equity requirement. Loans up to P1.25M = 90% LCR over P1.25M to P6M = 80% LCRNote: Loan-to-Collateral Ratio may be adjusted depending on the result of the Borrower’s Evaluation System (BEST), therefore, resulting to higher and additional Equity.
MRI for High risk and low risk jobs are computed the same. Higher computation of MRI on the high risk category jobs.
None. Upgrading of contribution is required upon application to Pag-IBIG Fund.

Basic Features

Expansive Market Coverage

Pag-IBIG and non-Pag-IBIG members who are willing to transfer to Pag-ibig Housing Loan within 4 years, as well as other qualified buyers of DECA Homes.

Easy Elligibility and Low Equity

  • Buyers who are not more than 60 years old, gainfully employed or selfemployed, whose Net Disposable Income (NDI) is 100% of or greater that the monthly amortization of the unit they intend to acquirre.
  • Passes the NDI requirement
  • Pays P5,000.00 reservation fee
  • Submits the following documents:
  • Buyer’s Info Sheet + Four (4) 1X1 ID Photo
  • Pays P5,000.00 Reservation Fee
  • Government Issued ID (ex. Driver’s License, SSS ID), Company ID and other identification papers, if needed
  • 1-month Pay slip and/or proof of other income and/or assets
  • Proof of Pag-IBIG membership
  • Contract to Sell
  • Deed of Restriction
  • Option Agreement
  • Requirement Postdated Checks (3 for equity installments + 24 for monthly amortization and SRI/FI premiums + 1 guarantee check)

Low Monthly Amortization

25 years; Pag-IBIG take-out mechanism within 4 years from reservation date.

Friendly Interest Rate

8.5% p.a. fixed for the 1st 4 years


Properties on Mactan, Talisay and Mandaue are all rent to own. Get the chance to own a house and lot or a condominium with our affordable rent to own scheme only here in Deca Homes Cebu.