{"id":8717,"date":"2025-07-31T11:30:02","date_gmt":"2025-07-31T03:30:02","guid":{"rendered":"https:\/\/3d-universal.com\/en\/?p=8717"},"modified":"2025-07-31T11:30:02","modified_gmt":"2025-07-31T03:30:02","slug":"affordable-studio-condos-under-php-4m-in-cebu","status":"publish","type":"post","link":"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html","title":{"rendered":"Affordable Studio Condos Under PHP 4M in Cebu"},"content":{"rendered":"

<\/p>\n

Affordable Studio Condos Under PHP 4M in Cebu: A Smart Buyer’s Guide<\/strong><\/h1>\n

Introduction<\/strong><\/h2>\n

Real estate in the Philippines continues to attract attention from first-time homebuyers, young professionals, overseas Filipinos, and property investors. With the steady urban expansion of cities like Metro Manila, Cebu, and Davao, affordable studio condos priced under PHP 4 million<\/strong> have become highly desirable for their practicality, affordability, and income potential.<\/p>\n

Whether you’re seeking your first home, a city crash pad, or an investment property, this guide will walk you through everything you need to know about studio condominiums within this price range\u2014from market trends and features to locations and financing.<\/p>\n

\n

1. What is a Studio Condominium?<\/strong><\/h2>\n

A studio condo is a compact, self-contained living space that combines sleeping, living, and dining areas into one open-plan layout. Typically ranging from 18 to 30 square meters<\/strong>, studio units are known for:<\/p>\n

    \n
  • \n

    Lower acquisition cost<\/p>\n<\/li>\n

  • \n

    Easier maintenance<\/p>\n<\/li>\n

  • \n

    Practicality for singles or students<\/p>\n<\/li>\n

  • \n

    Investment potential in rental markets<\/p>\n<\/li>\n<\/ul>\n

    Studio condos have gained popularity in urban settings where land is limited and demand for central housing remains high.<\/p>\n

    \n

    2. Why PHP 4 Million?<\/strong><\/h2>\n

    In the current Philippine property landscape (as of 2025), PHP 4M is a common psychological and financial threshold for affordable housing:<\/p>\n

      \n
    • \n

      It falls under most bank loan brackets for first-time buyers<\/p>\n<\/li>\n

    • \n

      Many developers price their entry-level studio units just under this ceiling<\/p>\n<\/li>\n

    • \n

      It qualifies for flexible financing (Pag-IBIG, bank, or in-house)<\/p>\n<\/li>\n

    • \n

      It is within reach of dual-income families, OFWs, and solo buyers<\/p>\n<\/li>\n<\/ul>\n

      By targeting this budget, buyers can tap into prime locations and amenities<\/strong> without overextending financially.<\/p>\n

      \n

      3. Who Should Consider Studio Condos Under 4M?<\/strong><\/h2>\n

      \u2705 Ideal for:<\/h3>\n
        \n
      • \n

        Young professionals<\/strong> working in CBDs<\/p>\n<\/li>\n

      • \n

        Students<\/strong> attending urban universities<\/p>\n<\/li>\n

      • \n

        OFWs<\/strong> seeking an investment or home base<\/p>\n<\/li>\n

      • \n

        First-time buyers<\/strong> entering the property market<\/p>\n<\/li>\n

      • \n

        Airbnb investors<\/strong> targeting city travelers<\/p>\n<\/li>\n

      • \n

        Parents<\/strong> buying units for children in school<\/p>\n<\/li>\n<\/ul>\n

        These buyers are typically looking for convenience, affordability, and potential for appreciation or income.<\/strong><\/p>\n

        \n
        \n

        4. Top Locations for Studio Condos Under PHP 4M in Cebu<\/h2>\n

        Cebu offers several well-developed and emerging areas where studio condos under PHP 4 million are both available and attractive for buyers and investors. Here are the top locations to consider:<\/p>\n

          \n
        • Cebu IT Park<\/strong> \u2013 A premier business hub with a strong rental market. Developers like Avida and Cebu Landmasters offer compact studio units ideal for young professionals and digital nomads.<\/li>\n
        • Lahug & Mabolo<\/strong> \u2013 Centrally located and well-connected to Ayala Center Cebu, these neighborhoods offer affordable alternatives to IT Park with access to major roads and transport.<\/li>\n
        • Mandaue City<\/strong> \u2013 A fast-growing mixed-use area with studio condos suited for mid-income earners. Projects here often come at a lower price per sqm while still near central Cebu.<\/li>\n
        • Banilad & Talamban<\/strong> \u2013 Near universities, hospitals, and BPO offices. These areas offer both rental and residential potential for budget buyers.<\/li>\n
        • South Road Properties (SRP)<\/strong> \u2013 A developing area with large-scale township projects. Early investors can secure studios below PHP 4M with excellent appreciation potential.<\/li>\n<\/ul>\n
          \n

          5. Developers Offering Studio Units Under PHP 4M in Cebu<\/span><\/h2>\n<\/section>\n
          Several trusted developers in Cebu cater to the budget-conscious market segment, offering high-quality studio units at prices below PHP 4 million. Most of these are in pre-selling stages, allowing for flexible payment options.<\/p>\n\n\n\n\n\n\n\n\n\n
          Developer<\/th>\nSample Project Name<\/th>\nLocation<\/th>\nStudio Unit Price Range<\/th>\n<\/tr>\n<\/thead>\n
          Cebu Landmasters<\/td>\nCasa Mira Towers, Mivela Garden Residences<\/td>\nIT Park, Banilad, Lahug<\/td>\nPHP 2.7M\u20133.9M<\/td>\n<\/tr>\n
          Avida by Ayala Land<\/td>\nAvida Towers Riala<\/td>\nCebu IT Park<\/td>\nPHP 3.5M\u20134.0M<\/td>\n<\/tr>\n
          Primeworld Land<\/td>\nPrimeworld Pointe<\/td>\nLahug<\/td>\nPHP 2.9M\u20133.8M<\/td>\n<\/tr>\n
          Visayan Horizons<\/td>\nUrban Deca Homes Banilad<\/td>\nBanilad<\/td>\nPHP 1.8M\u20133.2M<\/td>\n<\/tr>\n
          8990 Holdings<\/td>\nUrban Deca Homes Tisa<\/td>\nTisa, Cebu City<\/td>\nPHP 2.1M\u20133.5M<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

          Note:<\/strong> These price ranges apply mostly to pre-selling<\/em> units. RFO (Ready-for-Occupancy) options under PHP 4M in Cebu are limited but may still be found in older developments or outlying areas like Consolacion or Talisay.<\/p>\n<\/section>\n

          \n

          6. Features and Amenities to Expect<\/strong><\/h2>\n

          Even affordable studio condos often offer access to:<\/p>\n

            \n
          • \n

            Swimming pools<\/p>\n<\/li>\n

          • \n

            Gym or fitness centers<\/p>\n<\/li>\n

          • \n

            24\/7 security and lobby reception<\/p>\n<\/li>\n

          • \n

            Elevators and backup power<\/p>\n<\/li>\n

          • \n

            Retail podiums or nearby malls<\/p>\n<\/li>\n

          • \n

            Parking slots (separately sold or leased)<\/p>\n<\/li>\n<\/ul>\n

            While unit sizes may be small, vertical living comes with lifestyle conveniences<\/strong>.<\/p>\n

            \n

            7. Pre-Selling vs. RFO Units Below PHP 4M<\/strong><\/h2>\n

            Pre-Selling Studios<\/strong><\/h3>\n
              \n
            • \n

              Lower price (up to 20\u201330% cheaper)<\/p>\n<\/li>\n

            • \n

              Flexible payment terms (stretch over 24\u201336 months)<\/p>\n<\/li>\n

            • \n

              Higher appreciation by turnover time<\/p>\n<\/li>\n

            • \n

              Great for investors or future use<\/p>\n<\/li>\n<\/ul>\n

              RFO Studios<\/strong><\/h3>\n
                \n
              • \n

                Move-in ready<\/p>\n<\/li>\n

              • \n

                Ideal for immediate occupancy or Airbnb<\/p>\n<\/li>\n

              • \n

                Fewer options under 4M in central areas<\/p>\n<\/li>\n

              • \n

                Loan financing is usually required upfront<\/p>\n<\/li>\n<\/ul>\n

                \n

                8. Financing Studio Units<\/strong><\/h2>\n

                Buyers have various options:<\/p>\n

                Bank Financing<\/strong><\/h3>\n
                  \n
                • \n

                  Downpayment: 10\u201320%<\/p>\n<\/li>\n

                • \n

                  Interest: 6\u20138% annually<\/p>\n<\/li>\n

                • \n

                  Terms: Up to 20 years<\/p>\n<\/li>\n

                • \n

                  Good for employed or OFW buyers with stable income<\/p>\n<\/li>\n<\/ul>\n

                  Pag-IBIG Fund<\/strong><\/h3>\n
                    \n
                  • \n

                    Maximum loan: PHP 6M (eligible for under PHP 4M)<\/p>\n<\/li>\n

                  • \n

                    Interest as low as 4.5%<\/p>\n<\/li>\n

                  • \n

                    Very accessible for first-time homebuyers<\/p>\n<\/li>\n<\/ul>\n

                    In-House Financing<\/strong><\/h3>\n
                      \n
                    • \n

                      Shorter terms (3\u201310 years)<\/p>\n<\/li>\n

                    • \n

                      Higher interest (10\u201318%)<\/p>\n<\/li>\n

                    • \n

                      Easier qualification but higher monthly dues<\/p>\n<\/li>\n<\/ul>\n

                      \n

                      9. Rental Income Potential<\/strong><\/h2>\n

                      In business districts and student hubs, studio condos under 4M can be rented for:<\/p>\n

                        \n
                      • \n

                        PHP 10,000\u201315,000\/month<\/strong> for long-term leases<\/p>\n<\/li>\n

                      • \n

                        PHP 1,200\u20132,500\/night<\/strong> for short-term rentals<\/p>\n<\/li>\n<\/ul>\n

                        Average annual gross yield ranges from 5% to 9%<\/strong>, depending on location and occupancy.<\/p>\n

                        Tip:<\/strong> Choose locations with consistent demand (near schools, offices, malls, hospitals).<\/p>\n

                        \n

                        10. What to Watch Out For<\/strong><\/h2>\n

                        \u26a0\ufe0f Common Mistakes:<\/h3>\n
                          \n
                        • \n

                          Ignoring developer reputation<\/p>\n<\/li>\n

                        • \n

                          Buying without checking building completion timelines<\/p>\n<\/li>\n

                        • \n

                          Underestimating maintenance or condo dues<\/p>\n<\/li>\n

                        • \n

                          Choosing low-rent areas for investment purposes<\/p>\n<\/li>\n

                        • \n

                          Forgetting to factor in transfer and tax fees (~5\u20137% total)<\/p>\n<\/li>\n<\/ul>\n

                          \u2705 Due Diligence:<\/h3>\n
                            \n
                          • \n

                            Check HLURB\/DHSUD registration<\/p>\n<\/li>\n

                          • \n

                            Request sample computation and contract to sell<\/p>\n<\/li>\n

                          • \n

                            Visit model units or virtual tours<\/p>\n<\/li>\n

                          • \n

                            Ask about turnover schedule and penalties for delay<\/p>\n<\/li>\n<\/ul>\n

                            \n

                            11. Maximizing Small Spaces<\/strong><\/h2>\n

                            Here are tips for making the most of a studio unit:<\/p>\n

                              \n
                            • \n

                              Use foldable furniture or sofa beds<\/p>\n<\/li>\n

                            • \n

                              Add vertical storage solutions<\/p>\n<\/li>\n

                            • \n

                              Install mirrors to enhance depth<\/p>\n<\/li>\n

                            • \n

                              Use sliding partitions for separation<\/p>\n<\/li>\n

                            • \n

                              Choose light colors and good lighting<\/p>\n<\/li>\n<\/ul>\n

                              Even at 20\u201324 sqm, a well-designed studio can feel airy and functional.<\/p>\n

                              \n

                              12. Sample Computation: Studio Condo Worth PHP 3.5M<\/strong><\/h2>\n
                              \n
                              \n\n\n\n\n\n\n\n\n\n
                              Item<\/th>\nAmount<\/th>\n<\/tr>\n<\/thead>\n
                              Total Contract Price<\/td>\nPHP 3,500,000<\/td>\n<\/tr>\n
                              Reservation Fee<\/td>\nPHP 15,000<\/td>\n<\/tr>\n
                              10% Downpayment (12 mos)<\/td>\nPHP 29,166\/month<\/td>\n<\/tr>\n
                              90% Loan (Bank Financing)<\/td>\nPHP 3.15M<\/td>\n<\/tr>\n
                              Monthly Amort. (15 yrs @ 7%)<\/td>\nPHP 28,300 approx.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                              \n
                              <\/div>\n<\/div>\n<\/div>\n<\/div>\n

                              Note: Excludes taxes and monthly condo dues.<\/p>\n

                              \n

                              13. Pros and Cons Summary<\/strong><\/h2>\n
                              \n
                              \n\n\n\n\n\n\n\n\n\n\n
                              Criteria<\/th>\nStudio Condos Under 4M<\/th>\n<\/tr>\n<\/thead>\n
                              Affordability<\/td>\nExcellent for beginners<\/td>\n<\/tr>\n
                              Rental Yield<\/td>\nStrong in urban centers<\/td>\n<\/tr>\n
                              Low Maintenance<\/td>\nCompact space = easy to clean\/manage<\/td>\n<\/tr>\n
                              Space Limitation<\/td>\nMay not suit couples or families<\/td>\n<\/tr>\n
                              Limited Storage<\/td>\nMinimal room for belongings<\/td>\n<\/tr>\n
                              Appreciation<\/td>\nLower than 2-3BR but still viable<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                              \n
                              <\/div>\n<\/div>\n<\/div>\n<\/div>\n
                              \n

                              Conclusion<\/strong><\/h2>\n

                              Affordable studio condominiums under PHP 4 million offer a compelling gateway into real estate ownership<\/strong> in the Philippines. Whether you\u2019re an urban dweller seeking independence, a family buying for your child in school, or an investor targeting rental income, these units present practical, flexible, and budget-conscious solutions.<\/p>\n

                              The key to success lies in choosing the right location, developer, and financing option<\/strong>. With careful planning and due diligence, you can unlock not just a piece of property\u2014but also a foothold into a more secure and productive financial future.<\/p>\n

                              \n
                              \n

                              Frequently Asked Questions: Affordable Studio Condos Under PHP 4M<\/h2>\n
                              \n

                              1. Can foreigners buy studio condos under PHP 4M?<\/h3>\n

                              Yes, foreigners are allowed to buy condominium units in the Philippines, provided that foreign ownership in the entire building does not exceed 40%. This applies regardless of the unit price.<\/p>\n<\/div>\n

                              \n

                              2. Are pets allowed in affordable studio condominiums?<\/h3>\n

                              It depends on the building’s homeowners\u2019 association (HOA) policy. Some developments allow small pets with restrictions on breed, size, or number. Always check the building rules before buying or moving in.<\/p>\n<\/div>\n

                              \n

                              3. Can I rent out a pre-selling studio condo?<\/h3>\n

                              You can only rent it out after turnover. Before turnover, the unit is still under the developer\u2019s control. Once delivered, you may rent it long-term or short-term, depending on the condo’s leasing rules.<\/p>\n<\/div>\n

                              \n

                              4. How much space do affordable studio units typically have?<\/h3>\n

                              Studio units under PHP 4M generally range from 18 to 30 square meters. The actual size depends on the location, developer, and whether the unit is furnished or bare.<\/p>\n<\/div>\n

                              \n

                              5. Are these units usually furnished?<\/h3>\n

                              Most affordable units are delivered bare or semi-furnished. Developers may offer upgrade packages for furniture and appliances, but these may incur additional costs.<\/p>\n<\/div>\n

                              \n

                              6. Is parking included in the PHP 4M price?<\/h3>\n

                              No. Parking slots are typically sold separately and can cost an additional PHP 600,000 to PHP 1 million. Some developers offer promos that include parking or allow leasing monthly.<\/p>\n<\/div>\n

                              \n

                              7. What are typical monthly expenses for a studio unit?<\/h3>\n

                              Monthly expenses include condo dues (PHP 50\u2013100 per sqm), utilities (PHP 1,000\u20133,000), and possible mortgage payments if financed. Expect around PHP 3,000\u20136,000 per month in running costs.<\/p>\n<\/div>\n

                              \n

                              8. Can I use Pag-IBIG financing to buy a studio condo?<\/h3>\n

                              Yes. Pag-IBIG Fund offers housing loans up to PHP 6M, with affordable rates and long terms. It\u2019s ideal for employed individuals, OFWs, and first-time buyers within the income and document requirements.<\/p>\n<\/div>\n

                              \n

                              9. What\u2019s the usual reservation fee for these units?<\/h3>\n

                              Reservation fees typically range from PHP 10,000 to PHP 30,000. This amount is deductible from the total contract price and secures your chosen unit for a limited period.<\/p>\n<\/div>\n

                              \n

                              10. Are there hidden costs when buying studio units?<\/h3>\n

                              Aside from the unit price, buyers must prepare for taxes (capital gains, transfer tax, DST), notarial fees, move-in fees, and miscellaneous charges totaling about 5\u20137% of the purchase price.<\/p>\n<\/div>\n

                              \n

                              11. How long does it take to complete a pre-selling unit?<\/h3>\n

                              Construction and turnover usually take 2\u20134 years depending on the project scale and developer timeline. Always check the projected completion date in your contract.<\/p>\n<\/div>\n

                              \n

                              12. Are studio condos good investments?<\/h3>\n

                              Yes, especially in high-demand areas like business districts or near universities. They are easy to rent out, require less capital, and can deliver 5\u20139% gross rental yield annually.<\/p>\n<\/div>\n

                              \n

                              13. Can I flip or resell my studio unit?<\/h3>\n

                              Yes. Many buyers assign or sell their pre-selling units before or after turnover, depending on the developer’s policies. Appreciation can be 15\u201330% from launch to turnover.<\/p>\n<\/div>\n

                              \n

                              14. What\u2019s the difference between a bare and a finished unit?<\/h3>\n

                              A bare unit usually comes with cement flooring and no partitions or fixtures. A finished unit includes tiles, paint, doors, bathroom fixtures, and a kitchen counter\u2014but usually no furniture.<\/p>\n<\/div>\n

                              \n

                              15. Is Airbnb allowed in studio condos under PHP 4M?<\/h3>\n

                              It depends on the building\u2019s rules. Some allow short-term rentals, while others prohibit them to maintain community quality. Check HOA guidelines before planning to host Airbnb guests.<\/p>\n<\/div>\n

                              \n

                              16. How do I know if a developer is trustworthy?<\/h3>\n

                              Check the developer\u2019s track record, completed projects, reviews, and whether they are registered with DHSUD (formerly HLURB). Work with licensed brokers and review contracts carefully.<\/p>\n<\/div>\n

                              \n

                              17. Can I combine two studio units into one?<\/h3>\n

                              Some developers allow unit combination if you buy adjacent units during pre-selling. You may need to submit a layout proposal and secure approvals. Combining may increase resale value.<\/p>\n<\/div>\n

                              \n

                              18. What are condo association dues and how are they calculated?<\/h3>\n

                              Condo dues cover building maintenance, security, and common utilities. These are calculated based on your unit\u2019s size (e.g., PHP 80\/sqm), billed monthly. Always confirm with the admin office.<\/p>\n<\/div>\n

                              \n

                              19. Can I apply for a home loan before choosing a unit?<\/h3>\n

                              Yes. Getting pre-approved by a bank or Pag-IBIG helps you determine your budget range. Once approved, you can shop for units confidently knowing how much financing is available.<\/p>\n<\/div>\n

                              \n

                              20. What documents do I need to buy a condo unit?<\/h3>\n

                              You will typically need valid IDs, proof of income, TIN, certificate of employment (for workers), or remittance records (for OFWs). Developers may also require signed reservation forms and government forms.<\/p>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":8718,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[71],"tags":[],"class_list":["post-8717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cebu-real-estate-guide"],"acf":[],"yoast_head":"\nAffordable Studio Condos Under PHP 4M in Cebu - Study English at 3D ACADEMY, a Language School in Cebu, Philippines<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Affordable Studio Condos Under PHP 4M in Cebu\" \/>\n<meta property=\"og:url\" content=\"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html\" \/>\n<meta property=\"og:site_name\" content=\"Study English at 3D ACADEMY, a Language School in Cebu, Philippines\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/3dUniversalEnglish\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-31T03:30:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/3d-universal.com\/en\/wp-content\/uploads\/2025\/07\/ChatGPT-Image-Jul-31-2025-11_25_18-AM.png\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"427\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html#article\",\"isPartOf\":{\"@id\":\"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/3d-universal.com\/en\/#\/schema\/person\/2b62992adaf063df95ddd762ad83b37d\"},\"headline\":\"Affordable Studio Condos Under PHP 4M in Cebu\",\"datePublished\":\"2025-07-31T03:30:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html\"},\"wordCount\":1867,\"publisher\":{\"@id\":\"https:\/\/3d-universal.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html#primaryimage\"},\"thumbnailUrl\":\"https:\/\/3d-universal.com\/en\/wp-content\/uploads\/2025\/07\/ChatGPT-Image-Jul-31-2025-11_25_18-AM.png\",\"articleSection\":[\"Cebu Real Estate Guide\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html\",\"url\":\"https:\/\/3d-universal.com\/en\/blogs\/affordable-studio-condos-under-php-4m-in-cebu.html\",\"name\":\"Affordable Studio Condos Under PHP 4M in Cebu - 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