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"keeping Buyers Better Informed"
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AFFORDABLE HOUSING IN MINGLANILLA CEBU
Villa Celina
Villa Celina
Villa Celina, Tungkil, Minglanilla Cebu.
Major road entrance: 8 meters width. Concreted. Underground Drainage System, Individual Septic Tank. Ready Power Supply (VECO), Ready Water Supply Connection (Helpmate).
Major road entrance: 8 meters width. Concreted. Underground Drainage System, Individual Septic Tank. Ready Power Supply (VECO), Ready Water Supply Connection (Helpmate).
| Floor Area: 32.6 square meters. House Price: P240,000 Plus lot price (depends on the size of the lot). Available at easy payment terms through Pag-ibig Financing |
ESTIMATED FINAL COMPUTATION AND APPROVAL BY HDMF (PAG-IBIG): (Philippine Peso)
| Lot No.: | LB | Loan Amount | 922,000.00 |
| Model: | Victoria 3 | Appraisaed Value | 922,140.00 |
| Area: | 153 sqm | Actual Applied | 922.000.00 Estimated Loanable |
| Lot Price: | 734,400.00 | ||
| House Price | 240,000.00 | 974,400.00 | |
| Add: | |||
| Transfer Cost | 58,500.00 | ||
| Guarantee Fee | 13,830.00 | ||
| Reservation | 5,000.00 | ||
| Processing | 5,000.00 | ||
| Total add-on cost | 82,330.00 | ||
| Total of house & lot price and add-on cost | 1,056,730.00 | ||
| Less: | |||
| Reservation | 5,000.00 | ||
| Processing | 5,000.00 | ||
| Payment made: | |||
| HDMF take out | 839,240.74 | ||
| Retention 7% | 64,540.00 | 913,780.74 | |
| Total Equity | 142,949.26 | remaining equity 6 mos to pay |
| Reservation | 11/12/2007 | 5,000.00 |
| Processing | 12/12/2007 | 5,000.00 |
| Equity | 01/12/2008 | 23,824.88 |
| Equity | 02/12/2008 | 23,824.88 |
| Equity | 03/12/2008 | 23,824.88 |
| Contributions Need | 450.00 | |
| Family Net Income | 24,000.00 | |
| HDMF Amortization | 9,490.66 | 25 years |
| PDC 18 months to pay | 0 | |
| Net Income >> | 14,509.34 | |
| % Evaluation (must be at least 60%) | 60.46 |
Schedule of Payments Example:
Monthly Amortization depending on terms of payment:
| 10,977.08 | 15 years |
| 9,990.36 | 20 years |
| 9,490.66 | 25 years |
| 9,219.19 | 30 years |
| Notes: This only an estimated computation of monthly loan amortization and equity The buyer is responsible for gathering all papers with HDMF The buyer should pay the equity according to the sample schedule above Occupancy of the residential unit shall not be allowed before take out from HDMF |
IN-HOUSE FINANCING:
| Model: | Victoria | |||
| Area: | 153 sqm | |||
| Lot No.: | LB | |||
| House Price: | 240,000.00 | |||
| Lot Price: | 734,400.00 | 974,400.00 | ||
| Transfer Cost | 50,000.00 | |||
| Reservation | 5,000.00 | 55,000.00 | ||
| Package Price | 1,029,400.00 | |||
| Down Payment | 100,000.00 | |||
| Reservation | 5,000.00 less | |||
| 95,000.00 | 3 months to pay after reservation | |||
| 31,666.67 | 3 months | |||
| 23,750.00 | 4 months | |||
| Balance | 929,400.00 | |||
| Balance will be charged 12% per annum | ||||
| Monthly Start After Down Payment | ||||
| TERM (YEAR) | PRINCIPAL | INTEREST | TOTAL | MONTHLY |
| 5 | 929,400.00 | 557,640.00 | 1,487,040.00 | 24,784.00 |
| 4 | 929,400.00 | 446,112.00 | 1,375,512.00 | 28,656.50 |
| 3 | 929,400.00 | 334,584.00 | 1,263,984.00 | 35,110.67 |
| 2 | 929,400.00 | 223,056.00 | 1,152,456.00 | 48,019.00 |
| 1 | 929,400.00 | 111,528.00 | 1,040,928.00 | 86,744.00 |
| Schedule of Payments: | ||||
| Reservation Fee | 5,000.00 | |||
| Down Payment | 31,666.67 | |||
| 31,666.67 | ||||
| 31,666.67 | ||||
| Start Monthly | 24,784.00 for 5 years |
| Requirements for in-house financing: PDC for monthly payments Latest Residence Cetificate |
Units are sold quickly on a first come first serve basis. Please CONTACT US for more information or reservation of a unit.
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