DECA by Ark Tan

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DECA by Ark Tan Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from DECA by Ark Tan, Housing assistance service, Ortigas Avenue Ext, Pasig.

Helping middle-class Filipinos own a home through DECA projects.
โœ” Pag-IBIG guidance
โœ” BANK Financing
โœ” From renter โ†’ homeowner

๐ˆ๐๐๐”๐ˆ๐‘๐„ ๐‡๐„๐‘๐„

https://youradvocateagent.carrd.co/

๐’๐ฎ๐ซ๐ž ๐ค๐š, ๐’๐ข๐ซ ๐€๐ซ๐ค, ๐ง๐š ๐ก๐ข๐ง๐๐ข ๐ง๐š ๐ค๐š๐ข๐ฅ๐š๐ง๐ ๐š๐ง ๐š๐ง๐  ๐ˆ๐ƒ ๐ง๐ข ๐ž๐ฑ? ๐‡๐ข๐ง๐๐ข ๐ค๐จ ๐ง๐š ๐ค๐š๐ฌ๐ข ๐š๐ฅ๐š๐ฆ ๐ค๐ฎ๐ง๐  ๐ฌ๐š๐š๐ง ๐ฌ๐ข๐ฒ๐š ๐ก๐š๐ก๐š๐ง๐š๐ฉ๐ข๐ง. ๐Ÿ˜ŸSi Robert, isang ...
17/10/2026

๐’๐ฎ๐ซ๐ž ๐ค๐š, ๐’๐ข๐ซ ๐€๐ซ๐ค, ๐ง๐š ๐ก๐ข๐ง๐๐ข ๐ง๐š ๐ค๐š๐ข๐ฅ๐š๐ง๐ ๐š๐ง ๐š๐ง๐  ๐ˆ๐ƒ ๐ง๐ข ๐ž๐ฑ? ๐‡๐ข๐ง๐๐ข ๐ค๐จ ๐ง๐š ๐ค๐š๐ฌ๐ข ๐š๐ฅ๐š๐ฆ ๐ค๐ฎ๐ง๐  ๐ฌ๐š๐š๐ง ๐ฌ๐ข๐ฒ๐š ๐ก๐š๐ก๐š๐ง๐š๐ฉ๐ข๐ง. ๐Ÿ˜Ÿ

Si Robert, isang Team Leader sa BPO, gusto lang makasigurado kung may chance siyang ma-approve bago mag-reserve.

Sa bagong process ng Urban Deca Homes Ortigas at Pag-IBIG, nabibigyan ng opportunity ang mga hindi pa legally separated na makapag-apply sa ilalim ng Special Spouse Case Program, subject to evaluation and approval.

Pero tandaan, Sir, hindi lahat ay automatic na approved. Kaya nandito ako para gabayan ka sa bawat step at matulungan kang malaman ang options mo bago ka maglabas ng pera.

โœ… Free Loan Assessment
โœ… Free Loan Processing Assistance
โœ… Free Step-by-Step Guide

Huwag munang manghula. Alamin muna natin kung qualified ka.

Your Advocate Agent,
Ark Tan
09557488696


๐Ÿ๐ŸŽ ๐˜๐„๐€๐‘๐’ ๐Š๐€ ๐๐€๐๐† ๐๐€๐†๐‡๐”๐‡๐”๐‹๐Ž๐† ๐’๐€ ๐๐€๐†-๐ˆ๐๐ˆ๐†?๐‡๐ˆ๐๐ƒ๐ˆ ๐Š๐€ ๐๐€ ๐‘๐ˆ๐ ๐’๐”๐‘๐„ ๐๐€ ๐€๐๐๐‘๐Ž๐•๐„๐ƒ!Hindi. At ito ang madalas hindi naiintindihan n...
15/10/2026

๐Ÿ๐ŸŽ ๐˜๐„๐€๐‘๐’ ๐Š๐€ ๐๐€๐๐† ๐๐€๐†๐‡๐”๐‡๐”๐‹๐Ž๐† ๐’๐€ ๐๐€๐†-๐ˆ๐๐ˆ๐†?
๐‡๐ˆ๐๐ƒ๐ˆ ๐Š๐€ ๐๐€ ๐‘๐ˆ๐ ๐’๐”๐‘๐„ ๐๐€ ๐€๐๐๐‘๐Ž๐•๐„๐ƒ!

Hindi. At ito ang madalas hindi naiintindihan ng maraming members.

Most of the timeโ€ฆ
akala natin kapag matagal na tayong naghuhulog sa Pag-IBIG, mas madali na tayong maa-approve sa housing loan.

10 years ka nang member.
Updated ang contributions mo.
Wala kang palya sa paghuhulog.

Pero here's the realityโ€ฆ

Ang tagal ng membership mo ay hindi garantiya ng loan approval.

Ito yung ibig kong sabihinโ€ฆ

May mga requirements ang Pag-IBIG para maging eligible kang mag-apply.

Pero magkaiba ang eligible to apply at qualified for approval.

Kahit 120 months ka nang naghuhulog, may iba pang tinitingnan ang Pag-IBIG.

1. Capacity to Pay

Hindi lang kung magkano ang sweldo mo.

Ang importante, kaya ba ng income mo ang monthly amortization ng property na gusto mong bilhin?

2. Credit & Loan History

May existing loans ka ba?
Updated ba ang payments mo?
May history ka ba ng unpaid obligations?

Kasama sa evaluation ang credit at background checks.

3. Property Appraisal

Kahit qualified ka financially, kailangan ding pumasa ang property sa appraisal at loan requirements ng Pag-IBIG.

Hindi porket โ‚ฑ3 Million ang selling price, automatic โ‚ฑ3 Million din ang maa-approve mong loan.

Kaya tandaanโ€ฆ

Ang 10 years mong contributions ay proof ng membership history mo. Hindi proof na kaya mong bayaran ang housing loan.

At hindi rin ibig sabihin na kapag 2 years ka pa lang naghuhulog, wala ka nang chance ma-approve.

Ang mas importante ay kung pasok ka sa requirements at financially capable ka sa loan na ina-applyan mo.

Before ka mag-reserve ng property, alamin mo muna kung magkano talaga ang kaya mong i-loan.

Mas magandang malinaw ang numbers mo ngayon kaysa magkaroon ng problema kapag loan processing na.

Follow for more practical real estate education.




๐’๐ข๐ซ ๐€๐ซ๐ค ๐†๐ฌ๐ญ๐จ ๐ค๐จ ๐ฌ๐š๐ง๐š ๐ฆ๐š๐ ๐š๐ฆ๐ข๐ญ ๐ฎ๐ง๐  ๐ฉ๐š๐  ๐ข๐›๐ข๐  ๐ค๐จ ๐ค๐š๐ฌ๐ข ๐Ÿ’๐ŸŽ ๐ง๐š ๐ค๐จ ๐ฌ๐š๐ฒ๐ง๐  ๐ข๐Ÿ ๐ก๐ข๐ง๐๐ข ๐ค๐จ ๐ฆ๐š๐ ๐š๐ ๐š๐ฆ๐ข๐ญ ๐จ๐ซ ๐ฆ๐š๐ญ๐š๐ค๐ž ๐š๐๐ฏ๐š๐ง๐ญ๐š๐ ๐ž ๐ฎ๐ง๐  ๐ฉ๐š๐  ๐ข๐›๐ข๐  ...
14/10/2026

๐’๐ข๐ซ ๐€๐ซ๐ค ๐†๐ฌ๐ญ๐จ ๐ค๐จ ๐ฌ๐š๐ง๐š ๐ฆ๐š๐ ๐š๐ฆ๐ข๐ญ ๐ฎ๐ง๐  ๐ฉ๐š๐  ๐ข๐›๐ข๐  ๐ค๐จ ๐ค๐š๐ฌ๐ข ๐Ÿ’๐ŸŽ ๐ง๐š ๐ค๐จ ๐ฌ๐š๐ฒ๐ง๐  ๐ข๐Ÿ ๐ก๐ข๐ง๐๐ข ๐ค๐จ ๐ฆ๐š๐ ๐š๐ ๐š๐ฆ๐ข๐ญ ๐จ๐ซ ๐ฆ๐š๐ญ๐š๐ค๐ž ๐š๐๐ฏ๐š๐ง๐ญ๐š๐ ๐ž ๐ฎ๐ง๐  ๐ฉ๐š๐  ๐ข๐›๐ข๐  ๐ค๐จ.

Si Marites, isang BPO employee, ay 10 years nang nangungupahan at gusto nang magkaroon ng sariling property.

May Pag-IBIG contributions siya, pero may dalawang concerns: mababa ang basic salary niya at hindi pa siya legally separated.

Gusto niyang gamitin ang Pag-IBIG niya para makabili ng sariling bahay, pero hindi niya alam kung paano makakaapekto ang marital status niya sa application.

Kung same situation ka, huwag agad sumuko. Alamin muna natin ang options mo.

Consider Urban Deca Homes Ortigas. I-assess natin ang income, marital status, at requirements mo para malaman kung anong option ang puwede sa iyo.

Message Ark Tan | Your Advocate Agent
0955 748 8696


13/10/2026

Oh tlaga ba?

โ€œ๐’๐ข๐ซ ๐€๐ซ๐ค, ๐ ๐ฎ๐ฌ๐ญ๐จ ๐ค๐จ ๐ฅ๐š๐ง๐  ๐ฆ๐š๐ฅ๐š๐ฆ๐š๐ง ๐ค๐ฎ๐ง๐  ๐ฅ๐ข๐Ÿ๐ž๐ญ๐ข๐ฆ๐ž ๐จ๐ฐ๐ง๐ž๐ซ๐ฌ๐ก๐ข๐ฉ ๐ฉ๐จ ๐›๐š ๐š๐ง๐  ๐”๐ซ๐›๐š๐ง ๐ƒ๐ž๐œ๐š ๐‡๐จ๐ฆ๐ž๐ฌ ๐Ž๐ซ๐ญ๐ข๐ ๐š๐ฌ?โ€Si Joan ay isang not legally...
11/10/2026

โ€œ๐’๐ข๐ซ ๐€๐ซ๐ค, ๐ ๐ฎ๐ฌ๐ญ๐จ ๐ค๐จ ๐ฅ๐š๐ง๐  ๐ฆ๐š๐ฅ๐š๐ฆ๐š๐ง ๐ค๐ฎ๐ง๐  ๐ฅ๐ข๐Ÿ๐ž๐ญ๐ข๐ฆ๐ž ๐จ๐ฐ๐ง๐ž๐ซ๐ฌ๐ก๐ข๐ฉ ๐ฉ๐จ ๐›๐š ๐š๐ง๐  ๐”๐ซ๐›๐š๐ง ๐ƒ๐ž๐œ๐š ๐‡๐จ๐ฆ๐ž๐ฌ ๐Ž๐ซ๐ญ๐ข๐ ๐š๐ฌ?โ€

Si Joan ay isang not legally separated na gustong kumuha ng unit sa Urban Deca Homes Ortigas. Gusto lang niyang makasigurado na lifetime ownership ito at kung may habol pa ba ang ex-spouse niya sa property.

Sa Urban Deca Homes Ortigas, lifetime ownership ang goal, at protektado ka ng applicable laws, including the Condominium Act. Pero dahil hindi pa legally separated si Joan, kailangan munang ma-assess ang legal status nila para makumpirma kung may claim ang spouse sa property.

At the end of the loan, kapag fully paid na at completed na ang required title transfer process, maaari nang mailipat ang title sa pangalan ng qualified owner. Maaari rin itong ilipat sa anak, subject sa applicable legal requirements.

โœ… Free assessment
โœ… Free loan processing assistance
โœ… One-day initial assessment process
โœ… Pre-evaluation para sa target na 95% approval rate
โœ… No waste of moneyโ€”pre-evaluation muna bago mag-commit!

Ark Tan
Your Advocate Agent
09557488696

10/10/2026

๐๐€๐Š๐€-๐Ÿ๐Ÿ’ ๐Œ๐Ž๐๐“๐‡๐’ ๐‚๐Ž๐๐“๐‘๐ˆ๐๐”๐“๐ˆ๐Ž๐๐’ ๐Š๐€ ๐๐€ ๐’๐€ ๐๐€๐†-๐ˆ๐๐ˆ๐†, ๐๐„๐‘๐Ž ๐๐Ž๐’๐ˆ๐๐‹๐„ ๐Š๐€ ๐๐€ ๐‘๐ˆ๐๐† ๐Œ๐€-๐ƒ๐ˆ๐’๐€๐๐๐‘๐Ž๐•๐„ ๐’๐€ ๐‡๐Ž๐”๐’๐ˆ๐๐† ๐‹๐Ž๐€๐.

At ang masakit? Baka nalaman mo lang kung kailan nakapag-reserve ka na ng condo.

Maraming buyers ang akala, basta active ang Pag-IBIG membership, may trabaho, at may sapat na income, okay na ang housing loan.

Pero may 3 bagay na madalas hindi nila nache-check bago mag-apply.

1. KASAL KA, PERO SINGLE ANG DECLARED STATUS MO.

May mga applicants na matagal nang hiwalay sa asawa pero legally married pa rin.

Ang iniisip nila:

"Matagal na kaming separated. Pwede ko na sigurong ilagay na single ako."

Hindi ganun kasimple.

Kapag legally married ka pa rin, dapat accurate ang marital status mo sa application.

May mga spouse-related documents at signatures na maaaring kailanganin depende sa sitwasyon at loan processing requirements.

My advice: Kung matagal ka nang separated pero hindi legally separated, ipa-assess muna ang case mo. May mga sitwasyong maaaring may applicable processing options.

Huwag basta mag-declare ng single para lang makapag-apply.

2. HINDI TUGMA ANG DECLARED INCOME MO SA DOCUMENTS MO.

Example:

โ‚ฑ50,000 ang dineclare mong monthly income.

Pero nang i-verify ang employment at income documents mo, iba ang lumabas.

Possible magkaroon ng problema sa approval.

Remember, hindi lang payslip ang tinitingnan sa housing loan evaluation.

Kasama rin ang proof of income, capacity to pay, at employment verification.

My advice: Kung kulang ang income mo, huwag baguhin ang documents para lang tumaas ang loanable amount.

Mas magandang i-check kung qualified kang kumuha ng co-borrower o kung may ibang financing arrangement na pasok sa budget mo.

3. MAY DATI KANG PAG-IBIG HOUSING LOAN NA NAGKAPROBLEMA.

Ito ang hindi alam ng ibang buyers.

Akala nila kapag hindi na lumalabas ang dating housing loan sa online account, wala na silang kailangang ayusin.

Pero paano kung may previous loan ka na na-foreclose, na-cancel, o may unsettled obligation?

Puwede itong makaapekto sa bago mong housing loan application.

My advice: Kung may previous housing loan ka na nagkaroon ng problema, magpa-verify muna directly sa Pag-IBIG.

Alamin ang actual account status at kung eligible ka pang mag-apply under the applicable guidelines.

Huwag umasa sa online display lang.

ITO ANG GUSTO KONG MAINTINDIHAN NG MGA FIRST-TIME CONDO BUYERS:

Hindi porket kaya mong magbayad ng monthly amortization, automatic approved ka na.

At hindi porket nakapag-reserve ka na, guaranteed na ang housing loan mo.

Kaya kapag may nag-i-inquire sa akin tungkol sa Urban Deca Homes Ortigas, mas gusto kong i-check muna ang financial at documentary readiness nila bago maglabas ng reservation fee.

Kasi mas magandang malaman ang possible problem habang maaga pa kaysa saka lang ito matuklasan kapag nasa loan processing ka na.

QUESTION:

Alin sa tatlong ito ang gusto mong mas maintindihan?

1 โ€“ Married pero matagal nang separated

2 โ€“ Kulang ang income para sa housing loan

3 โ€“ May previous Pag-IBIG housing loan na nagkaproblema

Comment 1, 2, or 3 at gagawan ko ng separate educational discussion.

Kung gusto mong malaman kung may possible option ka sa Urban Deca Homes Ortigas, message ASSESS para ma-check muna natin ang situation mo.

Housing loan approval is subject to Pag-IBIG's prevailing eligibility rules, documentary requirements, credit evaluation, and applicable developer policies.

Your Advocate Agent
Guidance muna bago reservation.



๐’๐ข๐ซ ๐€๐ซ๐ค, ๐ ๐ฎ๐ฌ๐ญ๐จ ๐ค๐จ ๐ฌ๐š๐ง๐š ๐ง๐  ๐ซ๐ž๐ง๐ญ๐š๐ฅ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐ฉ๐š๐ซ๐š ๐ฆ๐š๐ฒ ๐ž๐ฑ๐ญ๐ซ๐š ๐ข๐ง๐œ๐จ๐ฆ๐ž. ๐Š๐š๐ฌ๐จ ๐ก๐ข๐ฐ๐š๐ฅ๐š๐ฒ ๐š๐ค๐จ ๐ฌ๐š ๐š๐ฌ๐š๐ฐ๐š ๐ค๐จ. ๐๐ฐ๐ž๐๐ž ๐ฉ๐š ๐›๐š ๐š๐ค๐จ๐ง๐  ๐ฆ๐š๐ -๐๐š๐ ...
10/10/2026

๐’๐ข๐ซ ๐€๐ซ๐ค, ๐ ๐ฎ๐ฌ๐ญ๐จ ๐ค๐จ ๐ฌ๐š๐ง๐š ๐ง๐  ๐ซ๐ž๐ง๐ญ๐š๐ฅ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐ฉ๐š๐ซ๐š ๐ฆ๐š๐ฒ ๐ž๐ฑ๐ญ๐ซ๐š ๐ข๐ง๐œ๐จ๐ฆ๐ž. ๐Š๐š๐ฌ๐จ ๐ก๐ข๐ฐ๐š๐ฅ๐š๐ฒ ๐š๐ค๐จ ๐ฌ๐š ๐š๐ฌ๐š๐ฐ๐š ๐ค๐จ. ๐๐ฐ๐ž๐๐ž ๐ฉ๐š ๐›๐š ๐š๐ค๐จ๐ง๐  ๐ฆ๐š๐ -๐๐š๐ -๐ˆ๐๐ˆ๐† ๐ก๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐ฅ๐จ๐š๐ง?โ€

Posible, depende sa situation mo.

Kung NOT LEGALLY SEPARATED ka,

huwag munang mag-assume na disqualified ka.

Tutulungan kitang i-check ang requirements at possible options mo bago ka mag-commit.

Message me: SPOUSE CASE

FREE loan assistance | FREE site viewing

ARK TAN
Your Advocate Agent
0955 748 8696

โ€œSir Ark, 10 years na kaming hiwalay. Paano kung hanapan pa rin ako ng ID ng asawa ko?โ€Kung NOT LEGALLY SEPARATED ka, ma...
08/10/2026

โ€œSir Ark, 10 years na kaming hiwalay. Paano kung hanapan pa rin ako ng ID ng asawa ko?โ€

Kung NOT LEGALLY SEPARATED ka, may possible solution.

Urban Deca Homes Ortigas + Pag-IBIG has a Special Spouse Case Program for qualified applicants.

Hindi automatic na disqualified ka.

Gusto mong malaman kung pwede ka?

MESSAGE ME: โ€œSPOUSE CASEโ€

FREE loan assistance
FREE site viewing
FREE step-by-step guide

Your Advocate Agent
0955 748 8696

โ€œNot legally separated ako, Sir Arkโ€ฆ tapos may bago na akong common-law partner. Pwede pa kaya akong mag-housing loan sa...
07/10/2026

โ€œNot legally separated ako, Sir Arkโ€ฆ tapos may bago na akong common-law partner. Pwede pa kaya akong mag-housing loan sa Pag-IBIG?โ€

Ito ang tanong ni Kaycee sa akin.

At ang mas interesting na part?

Halos 10 YEARS na siyang nagre-rent dito sa Ortigas.

โ‚ฑ9,500/month ang renta niya.

For years, akala niya wala siyang chance magkaroon ng sariling property dahil sa marital status niya.

Then nakita niya ang ad ko.

Nag-inquire.
Nag-site viewing.
Doon namin isa-isang pinag-usapan ang situation niya, requirements, at possible process.

At doon niya unang nakita na:

โ€œPossible pala.โ€

Hindi ibig sabihin automatic approved siya.

May evaluation at requirements pa rin.

In fact, may isang challenge pa kami ngayon:

Kakastart lang niya sa new work, kaya kailangan muna naming hintayin ang required employment period bago namin maituloy ang application.

Pero at least ngayon, may direction na siya.

Hindi na โ€œbaka hindi pwede.โ€

May proseso na kaming sinusundan.

Kung ikaw din ay NOT LEGALLY SEPARATED, may common-law partner na, at akala mo automatic disqualified ka sa Pag-IBIG housing loanโ€”

huwag munang mag-assume.

I-check muna natin kung ano talaga ang possible sa case mo.

Message me โ€œSPOUSE CASEโ€ and Iโ€™ll explain the process.


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Ortigas Avenue Ext
Pasig
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