4,524 condos for sale in Apas Cebu City

For Sale 3 Storey Townhouse in Capitol Hills ,Cebu City Feel the cool mountain breeze.. Watch the twinkling city lights from your balcony, right at the heart of the city... Land Area: 73sqm Floor Are: 175sqm Bedrooms:5 Toilet and bath:5 2 Car Parking Price 10,500,000 Accessibility: ✅St. Francis of Asisi School ✅Ibrain Learning Center ✅Cebu Cherish School ✅Bethany Christian School ✅Ayala Center Cebu ✅Jy Square Mall ✅Bos Coffee Capitol Note: Buyer to shoulder Transfer Fees and Taxes Contact us now for more details and site viewing. Contact Broker:RODEL G. REVILLA, REC, REB, REA, LPT, MMREM REB PRC Lic# 28609 REA PRC Lic# 8416 0917770----

Lahug house for sale: Located beside Circa 1 Lot: 731 sqm FA 306 sqm P 55M 5br/5b/t Contact us now for more details and site viewing. Contact Broker:RODEL G. REVILLA, REC, REB, REA, LPT, MMREM REB PRC Lic# 28609 REA PRC Lic# 8416 0917770----

𝗩𝗜𝗦𝗧𝗔 𝗦𝗨𝗥𝗘𝗦𝗧𝗘 𝗟𝗼𝗰𝗮𝘁𝗶𝗼𝗻: Nivel Hills, Lahug, Cebu City 𝗧𝘆𝗽𝗲: Residential 𝗠𝗼𝗱𝗲𝗹: 3-Storey Townhouse 𝗦𝘁𝗮𝘁𝘂𝘀: For Construction 𝗗𝗲𝗹𝗶𝘃𝗲𝗿𝗮𝗯𝗹𝗲: Fully Finished Unit Located 2 minutes from the highway is a home that flaunts peace and quiet, fresh air, and a stunning view of the city. All of this while being minutes away from the city’s key locations. 𝗨𝗻𝗶𝘁 𝗔🏠 Lot Area: 147 sqm Floor Area: 235.25 sqm 𝗦𝗲𝗹𝗹𝗶𝗻𝗴 𝗣𝗿𝗶𝗰𝗲 𝗮𝘁 P 24,000,000 30% Down payment/Equity: P 7,200,000 Monthly Equity: P 400,000 payables in 18 months 70% Remaining Balance thru Bank Financing or Cash Loanable Amount: P 16,800,000.00 𝗨𝗻𝗶𝘁 𝗕🏠 Lot Area: 81 sqm Floor Area: 157.25 sqm 𝗦𝗲𝗹𝗹𝗶𝗻𝗴 𝗣𝗿𝗶𝗰𝗲 𝗮𝘁 P 11,900,000 30% Down payment/Equity: P 3,570,000 Monthly Equity: P 198,333.33 payables in 18 months 70% Remaining Balance thru Bank Financing or Cash Loanable Amount: 8,330,000.00 𝗨𝗻𝗶𝘁 𝗖🏠 Lot Area: 79 sqm Floor Area: 157.25 sqm 𝗦𝗲𝗹𝗹𝗶𝗻𝗴 𝗣𝗿𝗶𝗰𝗲 𝗮𝘁 P 11,900,000 30% Down payment/Equity: P 3,570,000 Monthly Equity: P 198,333.33 payables in 18 months 70% Remaining Balance thru Bank Financing or Cash Loanable Amount: 8,330,000.00 𝗨𝗻𝗶𝘁 𝗗🏠 Lot Area: 89 sqm Floor Area: 173 sqm 𝗦𝗲𝗹𝗹𝗶𝗻𝗴 𝗣𝗿𝗶𝗰𝗲 𝗮𝘁 P 14,600,000 30% Down payment/Equity: P 4,380,000 Monthly Equity: 243,333.00 payables in 18 months 70% Remaining Balance thru Bank Financing or Cash Loanable Amount: 10,220,000.00 𝗙𝗘𝗔𝗧𝗨𝗥𝗘𝗦:🏠 - 3 Bedrooms - 3 Toilet and Bath - 2 Car Garage - Complete Cabinets and Closets - Individual Gate - Overhead Water Tank - On-ground Tank /Pressure Pump - Water Heaters - Complete Kitchen Counters and Cabinet - Landscaped Garden (Unit A&D) - Maids Quarter 𝗙𝗼𝗿 𝗶𝗻𝗾𝘂𝗶𝗿𝗶𝗲𝘀 𝗮𝗻𝗱 𝘃𝗶𝗲𝘄𝗶𝗻𝗴 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁𝘀, 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀:🏠 0917 624 ---- (Viber/WhatsApp) 0917-632----- acrealt----@gmail.com alexcol----@gmail.com

For Sale: Corner Unit House and lot in Mandaue City, Cebu 📌Location: Northfield Residences, Canduman, Mandaue City, Cebu 👉Just a walking distance to Sacred Heart School - Ateneo de Cebu House Details: Corner Unit Lot Area: 152 sqm Floor Area: 89 sqm 4 Bedrooms 3 Toilet and Bath 4 Car Parking With Clubhouse, half Baskatball court and playground Selling Price: Php 11M net Cash/Bank Financing Contact us now for more details and site viewing. Contact Broker:RODEL G. REVILLA, REC, REB, REA, LPT, MMREM REB PRC Lic# 28609 REA PRC Lic# 8416

Living in a suburban setting yet close to the City. Life is beautiful on top of the hill. End unit townhouse with panoramic view of the City & mountain. wrap around balcony with water heaters cabinet & closets Individual gate - Less than 5 minutes drive to the main road. - Soon to rise mall close to the area

Modern House for Sale in Canduman Mandaue City Cebu”for more information let’s Talk 0945140----” Floor Area: 76 SQ.M. Corner Lot Area: 113 SQ.M. Selling Price: Php9,500,000.00 net of taxes 2 Level Single Attached House 3 bedrooms 2 Toilet and Bathroom Living Area Dining Area Kitchen Area Lanai and Service Area Glass sliding door Window screen Parking Spaces Subd. Amenities: Clubhouse/Party house Swimming Pool Multi-purpose court Playground Landscape garden 24/7 security 5mins drive to Ateneo de cebu 10mins drive to USC talamban 15mins I.T Park Apas 3mins to Talamban public market 10mins to North Gen hospital 10mins Gaisano talamban Cash or Bank Financing Mode of Payment: Cash and In-House Financing For More Information and Viewing Kindly Contact: Santillan Real Estate Brokerage License Real Estate Appraiser License Real Estate Broker PRC No. 0033916 DHSUD No. R7-B-07/25-8027 Globe Mobile, Viber, WhatsApp #: +63945140----

Floor Area: 89 SQ.M. Lot Area: 152 SQ.M. Selling Price: Php11,000,000.00 Negotiable 2 Storey Corner Single Detached House 4 Bedroom 3 Toilet and Bathroom Living, Dining, Kitchen Toilet & Bath Guest Room Family Hall Master’s Bedroom with own Toilet & Bath Bedroom 1, Bedroom2 Shared Toilet and Bathroom 2 Car Garage FEATURES & AMENITIES: Clubhouse Children’s Playground Linear Garden Asian themed homes and landscapes 24-hour security Entry statement 10-meter main roads Walking distance to Sacred Heart School – Jesuit MODE OF PAYMENTS: Cash / Bank Financing

Floor Area: 76 SQ.M. Corner Lot Area: 113 SQ.M. Selling Price: Php10,000,000.00 2 Level Single Attached House 3 bedrooms 2 Toilet and Bathroom Living Area Dining Area Kitchen Area Lanai and Service Area Glass sliding door Window screen Parking Spaces Subd. Amenities: Clubhouse/Party house Swimming Pool Multi-purpose court Playground Landscape garden 24/7 security 5mins drive to Ateneo de cebu 10mins drive to USC talamban 15mins I.T Park Apas 3mins to Talamban public market 10mins to North Gen hospital 10mins Gaisano talamban Payment Scheme: Cash or Bank Financing

Floor Area: 89 SQ.M. Lot Area: 152 SQ.M. Selling Price: Php11,000,000.00 Negotiable 2 Storey Corner Single Detached House 4 Bedroom 3 Toilet and Bathroom Living, Dining, Kitchen Toilet & Bath Guest Room Family Hall Master’s Bedroom with own Toilet & Bath Bedroom 1, Bedroom2 Shared Toilet and Bathroom 2 Car Garage FEATURES & AMENITIES: Clubhouse Children’s Playground Linear Garden Asian themed homes and landscapes 24-hour security Entry statement 10-meter main roads Walking distance to Sacred Heart School – Jesuit MODE OF PAYMENTS: Cash / Bank Financing

Floor Area: 76 SQ.M. Corner Lot Area: 113 SQ.M. Selling Price: Php10,000,000.00 2 Level Single Attached House 3 bedrooms 2 Toilet and Bathroom Living Area Dining Area Kitchen Area Lanai and Service Area Glass sliding door Window screen Parking Spaces Subd. Amenities: Clubhouse/Party house Swimming Pool Multi-purpose court Playground Landscape garden 24/7 security 5mins drive to Ateneo de cebu 10mins drive to USC talamban 15mins I.T Park Apas 3mins to Talamban public market 10mins to North Gen hospital 10mins Gaisano talamban Payment Scheme: Cash or Bank Financing

Floor Area: 89 SQ.M. Lot Area: 152 SQ.M. Selling Price: Php11,000,000.00 Negotiable 2 Storey Corner Single Detached House 4 Bedroom 3 Toilet and Bathroom Living, Dining, Kitchen Toilet & Bath Guest Room Family Hall Master’s Bedroom with own Toilet & Bath Bedroom 1, Bedroom2 Shared Toilet and Bathroom 2 Car Garage FEATURES & AMENITIES: Clubhouse Children’s Playground Linear Garden Asian themed homes and landscapes 24-hour security Entry statement 10-meter main roads Walking distance to Sacred Heart School – Jesuit MODE OF PAYMENTS: Cash / Bank Financing

Floor Area: 76 SQ.M. Corner Lot Area: 113 SQ.M. Selling Price: Php10,000,000.00 2 Level Single Attached House 3 bedrooms 2 Toilet and Bathroom Living Area Dining Area Kitchen Area Lanai and Service Area Glass sliding door Window screen Parking Spaces Subd. Amenities: Clubhouse/Party house Swimming Pool Multi-purpose court Playground Landscape garden 24/7 security 5mins drive to Ateneo de cebu 10mins drive to USC talamban 15mins I.T Park Apas 3mins to Talamban public market 10mins to North Gen hospital 10mins Gaisano talamban Payment Scheme: Cash or Bank Financing

For sale house in Gardenville Ii, By Subdivision Brgy. Busay, Cebu City, Cebu Lot 1, Gardenville Ii, By Subdivision Brgy. Busay, Cebu City, Cebu LA-445.00 FA-957.00 Selling Price P19,810,000 Available in Cash or Installment 20% Downpayment P3,962,000 80% Balance /Loan P15,848,000 FOR INQUIRY: WhatsAp 0960 370 ----; Viber 0968 511 ---- #megamanilarealty, #bankforeclosed,

House and Lot inside Northwoods Residences, Canduman, Mandaue City near Ateneo Model: Townhouse Lot Area: 52 sqm Floor Area: 95sqm - 3 rooms - 2 toilet & bath - 1 parking Walking distance to Ateneo de Cebu/Sacred Heart School Price: Php 6,500,000.00 (Net) Price May Change W/out Prior Notice Contact us now for more details and site viewing. Contact Broker:RODEL G. REVILLA, REC, REB, REA, LPT, MMREM REB PRC Lic# 28609 REA PRC Lic# 8416 0917770----

LIMITED UNITS ONLY Equity starts at 29,999/month Smart Home | 4BR Townhouse 4CR & 2 Carpark with FREE 6PCS SOLAR PANEL, 3KW HYBRID INVERTER, 4PCS 150AH BATTERY & FREE BANK FEES ✅ FREE Energy led lights ✅ FREE RainWater tank ✅ FREE Life Insurance (MRI) ✅ FREE House and Fire Insurance ✅ FREE Bank Loan Charges ✅ FREE Notarization ✅ FREE Water and Electricity Deposit for the first year ✅ FREE Transfer Fee worth 115k ✅ FREE Water/ Electric Connection Fee worth15k ✅ NO Extra Charges HOUSE DETAILS: Lot Area : 63.25 sq.m Floor Area : 105 sq.m 4 Bedrooms 4 Bathrooms Balcony 2 Carpark Service Area Pre-selling Price: 9,499,000.00 NET Down payment: 1,079,964 Promotional only. Less Reservation Fee: 50,000.00 Less Greentech Reward: 50,000.00 Monthly Down payment/Equity: 29,999 payable in 36 months Remaining Balance thru Bank Financing Loanable Amount: 8,319,036 Bank Required Income: 177,000.00/month Estimated Monthly amortization: 58,798 for 25 years

For Sale: Fully Renovated Townhouse Hacienda Salinas, Cebu City Location: Hacienda Salinas, Lahug, Cebu City Lot Area: 151 SqM Floor Area: 152.74 SqM 4 Bedroom 3 Bathroom 3 Floors 4-6 Car Park Balcony 1 Maid’s Room with own CR With garden Fully renovated For Sale: 19M (Net of taxes) Price May Change W/out Prior Notice Send a message now at 0925586---- for details and viewing.

For Sale: Brand New Townhouse in Canduman Mandaue Cebu Near Ateneo de Cebu Lot Area: 95 sq.m Floor Area: 100 sq.m Lot Title: On Hand • Fenced • 3BR • 2 toilet and bath • Dinning Area • Sala • 2 Car Park • Laundry & Lanai Area • Dirty Kitchen + Modular Cabinets • Extended & Upgraded Clean Kitchen • Glass Panel Counter Top • Modular Cabinets + Soft Close Accessories • All Lights are in Tri-colors Ready for Occupancy

For Sale: Brand New Townhouse in Canduman Mandaue Cebu Near Ateneo de Cebu Lot Area: 95 sq.m Floor Area: 100 sq.m Lot Title: On Hand • Fenced • 3BR • 2 toilet and bath • Dinning Area • Sala • 2 Car Park • Laundry & Lanai Area • Dirty Kitchen + Modular Cabinets • Extended & Upgraded Clean Kitchen • Glass Panel Counter Top • Modular Cabinets + Soft Close Accessories • All Lights are in Tri-colors Ready for Occupancy

Amirra Residences Busay is a single attached unit with a modern design situated inside Busay Heights Subdivision, Busay, Cebu City. It has a lot area of 95 sq.m. and a floor area of 249 sq.m. This will be a 2-storey house with a basement overlooking the mountains and Citilights condominium with 3 bedrooms, individual T&B, powder room, maid’s quarters, and service area. Amirra Residences Busay also offers a 2-storey duplex house with a basement, it’s a modern minimalistic design that fits its homey and serene community for a selling price of P7,498,800.00 and is already inclusive of water and electricity connection payments and landscaping It is situated in a quiet and peaceful community but is just less than 15 minutes away from major malls and hospitals. With Cebu’s booming real estate, condominium rates are at P150,000 to P200,000 per square meter while this unit is just P63,000 per square meter. Construction will start upon full equity and the construction period is up to 12 months. Since Amirra Residences Busay is a special unit, the buyers can customize it as per their preference subject to the management’s approval and costing. You can have a sit down with our architect for that. Our pre-selling price is PhP14,488,000.00 inclusive of electricity and water connection payments and landscaping. Sample Computations (updated on September 21, 2021): _____________________________________________________ SINGLE DETACHED HOUSE: FLOOR AREA: 249 sqm LOT AREA: 95 sqm 3 Bedrooms with individual toilet & bath, with balcony powder room, maid’s quarterliving area, dining area, service area kitchen with cabinets2-car carport TOTAL SELLING PRICE: P14,488,000.00 RESERVATION FEE: P100,000.00 20% EQUITY in 36 months with 0% interest: P78,000.00/MONTH 80% BALANCE THRU SPOT CASH OR BANK FINANCING (P11,590,400.00) _____________________________________________________ WHY ARE you STILL READING THIS? CALL US NOW! COCOY M. TOLEDO Licensed Real Estate Broker PRC License No. 20332 RICHEL PARADIANG-TOLEDO Licensed Real Estate Broker PRC License No. 20331 WARNING: Avoid fly-by-night agents, DEAL only with competent licensed Real Estate Brokers to protect your hard-earned money !!!

HOUSE AND LOT FOR SALE IN MANDAUE CITY, CEBU Location:Agro-Macro Subdivision, Cabancalan, Mandaue City Selling Price Php13M net of taxes and expenses Lot area 188 square meter Floor area 120 square meters Two-storey 4 Bedrooms (1 Bedroom with Balcony) 1 Music Room Big Balcony at second floor Car garage can fit 2 cars Dirty Kitchen Laundry area Gated, with perimeter fence Inclusions: Sala set with covers Curtains 8 Seater Dining Table with 8 chairs Refrigerator Gas range Air conditioners Built-in closets We welcome direct buyers Please call: Dennis L.Plaza Sun 0922585---- TM 0935399---- DHSUD License #CVRFO-A-02/19-0357 #residentialpropertyinmandauecity #propertyincentralvisayas #mandauecityhouseandlotforsale #propertyinmandauecity #HouseAndLotInMandaueCityCebu #HouseForSaleInMandaueCityCebu #MandaueCityHouseForSale #readyforoccupancyinmandauecity #beautifulhouseandlotinmandauecity #mandauecityhouseandlotsale #homeforsaleinmandauecitycebu

Almiya is an Asian-inspired gated community situated in Mandaue City. This 5.2-hectare development is only about 20 minutes away from Cebu City where big shopping malls are located such as the SM City Cebu and Ayala Center. This master-planned contemporary community offers amenities that surely every resident will enjoy. AMANI DUPLEX HOUSE HOUSE DETAILS: 2 Storey Dulex House 3- Bedrooms 2- Toilet and Bath Living, Dining and Kitchen Area Service Area Carpark Lot Area: 99 sqm Floor Area: 60 sqm Price: 8,110,133.00 10% Down payment: 811,013.00 Less Reservation Fee: 30,000.00 Net Down payment: 781,013.00 Monthly Down payment: 65,084.00 in 12 months 90% Remaining Balance thru Union Bank Financing Loanable Amount: 7,299,199.70 Transfer Charges: 362,059.49 to be paid separately I am willing to help you for your real estate needs. We can help you process your housing loan, MECO/VECO & WATER Connections..

NORTHFIELD RESIDENCES In Canduman Mandaue City The shortest way going to the subdivision is the PILIT MAGUIKAY Total Units 213 Modern Asian architectural theme Northfield Residences is a quiet residential community in Canduman, Mandaue City. It is easily accessed through the new Canduman route. It is a mere walking distance to the Sacred Heart School Jesuits and within a 5-minute drive to the community market, various churches and commercial centers and the North General Hospital. City access via 3 different routes: Canduman, Talamban and Cabancalan Here your family can be totally at ease, close to the essentials of daily living. Northfield Residences is a 2.9 hectare, master planned development of residential houses, a clubhouse and other amenities. Modern Asian Architecture Theme Here in Northfield, choose from a Townhouse, Duplex or a 2-Storey Single Detached model-individually appointed with lush greens and wide open spaces, making them all the more livable. CITY ACCESS VIA MULTIPLE ROUTE From Talamaban to Canduman From Cabancala to the subd. 1Km From Canduman Skina to the subd. 3Km From Canduman ROSE PHARMACY to the subd. 2 Km From Pagsabungan to the subd. 3 Km VILLAGE FEATURES AND AMENITIES: 24-Hour Security Entry Statement Clubhouse Children’s Playground Linear Gardens Asian themed Homes and landscapes 10-meter main roads A few minutes drive from Sacred Heart School – Jesuit City access via 4 diferrent routes: Canduman, Talamban, Pagsabungan and Cabancalan 10 meters wide of the main road 5 Secondary Road UPDATED AS OF DECEMBER 5,2022 JADE MODEL HOUSE DETAILS 2-Storey Single Detached House 3 Bedrooms (upstairs) 1 Maid’s Quarter 3-Toilet and Bath Family Hall Living, Dining, Kitchen Utility Area Carport Garden Laundry and Utility Areas Provision for Telephone and Cable TV connection Floor Area: 89.43 sq. m. Lot Area : 120.00 sq. m. Total Selling Price: 8,232,098.00 20% Down payment: 1,646,419.00 Reservation Fee: 20,000.00 Monthly Equity: 135,534.00 in 12 months 80% Remaining Balance thru Bank Financing Loanable Amount: 6,565,678.00 CELADONE MODEL HOUSE DETAILS READY FOR OCCUPANCY 2-Storey Duplex House 2 Bedrooms (upstairs) 1 Maid’s Quarter 2-Toilet and Bath Hallway Living, Dining, Kitchen Utility Area Linear Garden Area 1-Car Garage Laundry and Utility Areas Provision for Telephone and Cable TV connection Floor Area: 62.60 sq. m. Lot Area: 70.00 sq. m. Total Selling Price: 6,050,000.00 20% Down payment: 1,210,000.00 Reservation Fee: 20,000.00 Monthly Equity: 99,166.00 in 12 months 80% Remaining Balance thru Bank Financing Loanable Amount: 4,840,000.00 CELADONE MODEL Under construction HOUSE DETAILS 2-Storey Duplex House 2 Bedrooms (upstairs) 1 Maid’s Quarter 2-Toilet and Bath Hallway Living, Dining, Kitchen Utility Area Linear Garden Area 1-Car Garage Laundry and Utility Areas Provision for Telephone and Cable TV connection Floor Area: 62.60 sq. m. Lot Area: 70.00 sq. m. Total Selling Price: 5,747,500.00 20% Down payment: 1,149,500.00 Reservation Fee: 20,000.00 Monthly Equity: 94,125.00 in 12 months 80% Remaining Balance thru Bank Financing Loanable Amount: 4,598,000.00

For Sale: One Edison Place Location: Lahug Lot area: 110sq Floor area: approx 230sq 3 bedrooms 2 toilet and bath 2 maids quarters with own toilet and baths and service area 2 car garage Semi furnished Php17.5m Net of taxes Negotiable For site tour please contact: RODEL G. REVILLA, REC, REB, REA, LPT, MMREM REB PRC Lic# 28609 valid until 09/23/2024 REA PRC Lic# 8416 valid until 09/23/2025 REC PRC Lic#453 valid until 09/23/2025 YDH Realty Services Inc. Viber: Broker Rodel Revilla WhatsApp: Broker Rodel Revilla Youtube: Broker Rodel Revilla Facebook Page: Broker Rodel Revilla

VISTA SURESTE IN NIVEL HILLS, LAHUG, CEBU CITY Vista Sureste, Holy Family Road, Nivel Hills, Lahug, Cebu City The LocationLocated 2 minutes from the highway is a home that flaunts peace and quiet, fresh air, and a stunning view of the city. All of this while being minutes away from the city’s key locations. IT Park Cebu Business Park SM City Ayala Center Cebu Chong Hua Hospital UC Med Chong Hua Mandaue Cebu Doctor’s Hospital HOUSE SPECIFICATIONS: Lot Area: 79 sq.m Floor Area: 157.25 sq.m 3 Bedrooms 3 Toilet and Bath 2 Car Garage Complete Cabinets and Closets Individual Gate Overhead Water Tank On-ground Tank / Pressure Pump Water Heaters Complete Kitchen Counters and Cabinet Landscaped Garden Maid’s Quarters TCP: 11,900,000 ALL-IN including Transfer Taxes, Move-in Fees. 30% Equity: 3,750,000 Monthly Equity: 625,000 payables in 6 months 70% Balance: 8,330,000 Cash or thru Bank Financing

VISTA SURESTE IN NIVEL HILLS, LAHUG, CEBU CITY Vista Sureste, Holy Family Road, Nivel Hills, Lahug, Cebu City The LocationLocated 2 minutes from the highway is a home that flaunts peace and quiet, fresh air, and a stunning view of the city. All of this while being minutes away from the city’s key locations. IT Park Cebu Business Park SM City Ayala Center Cebu Chong Hua Hospital UC Med Chong Hua Mandaue Cebu Doctor’s Hospital HOUSE SPECIFICATIONS: Lot Area: 81 sq.m Floor Area: 157.25 sq.m 3 Bedrooms 3 Toilet and Bath 2 Car Garage Complete Cabinets and Closets Individual Gate Overhead Water Tank On-ground Tank / Pressure Pump Water Heaters Complete Kitchen Counters and Cabinet Maid’s Quarters TCP: 11,900,000 ALL-IN including Transfer Taxes, Move-in Fees. 30% Equity: 3,750,000 Monthly Equity: 625,000 payables in 6 months 70% Balance: 8,330,000 Cash or thru Bank Financing