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I don't know the building code in Cebu but I'm in the Visayas and have went through the process building my in law's bungalow. I had a two story house built by a contractor from Cebu. When I arrived the foreman was still here and we had plans to do some work on the in law's shack but it was such a mess we decided to demolish it and start from scratch. The foreman said if we draw up a sketch he can make it happen, and so we did. We started the house without a permit but when the roof was going on we were busted. It cost P25K for an engineer from the municipality to draw up plans and issue the permit.

It sounds like you have the skills and knowledge to build a bungalow. It is a good idea to hire a foreman or someone who knows footers and tie beams. The foreman had 12 1-meter square holes dug for the columns. The holes were dug about 2 meters deep which is the depth that the soil compaction suited him. The in law's bungalow is about 8 m x 11 m and about 80 sq. meters in living space.

The house has a lower tie beam all the way around and a tie beam in the center connecting the two long sides. The foreman called that the "earthquake beam". The beam reduces flutter on the long walls during an earthquake. Septic systems here usually consist of a digesting chamber and one or more leeching chambers. I have never seen a drain field. The outlet of the last leeching chamber usually joins the gray water and roof drains and drains to where ever you can. You can buy plastic or fiberglass septic tanks at Citi Hardware in which case you would need a place to drain the over flow but the hollow block tanks are not sealed very well so they never fill up. I can send drawing of our engineer designed septic system for our main house.

Here is the sketches the wife and I made for the bungalow and the finished product. Good luck.