IMHO, House and Lot mas nindut, because, you can design your own, you can do whatever you want, Imuha na ang yuta og balay.
Mas nindut sa Talisay, samut na inig mahuman ang SM diha SRP. Be sure to find a good village nga naa pud amenities and security.

Like what we have sa Talisay lot, nga naa'y security, pool, near beach shore, tennis court, play ground, etc..
But if you like to live in the city area, Midtown or Downtown, Condo is a much preferred option.
Much better and faster access to anything you need.
