Villa Karmina, Liloan, Cebu

	Villa Karmina laucnhes affordable housing in Liloan Cebu Location: Upper Yati, Liloan Cebu
	Victoria Model Floor plan Click the Floor plan to enlarge     Rowhouse   Click the Floor Plan to enlarge Villa karmina Subdivision Map   Click the map to enlarge Total Lot Area: 11,208 sqm. Saleable Lot: 7,267 sqm (65%) Road Lot area: 3,538 sqm (13.5%) Open Space: 388 sqm. Space for sedimentation tank: 15 sqm (0.14%) Total No. of Saleable lots: 97   BUILDING SPECIFICATIONS: Victoria Model Rowhouse A) ARCHITECTURAL 9 panels 12-Blade Glass Jalousie Windows 2 Panels 8-Blade Glass Jalousie Windows 1 Panel 5-Blade Glass Jalousie Window 3 Flush Doors with Door Jambs Interior Floor and Walls - Plaster Finish Exterior Walls - Plaster Finish Ceiling - Ordinary Plywood Roof Framing - C-purlins with Red Lead Primer Roofing and Long Span Pre-painted Roofing Sheets Firewall Sharing B. ELECTRICAL 5 incandescent bulbs at 25 watts 3 units light switches (1 single gang, 2 double gang) 3 units Double Convenience Outler Electrical Supply Provision C. PLUMBING Toilet Bowl with Water Closet Kitchen Sink with Basket Strainer 4"X4" Plastic Floor Drain Ceramic Tiles on Kitchen Counter Ceramic Tiles on Toilet & Bath Individual Septic Tank Water Supply Piping Provision   A) ARCHITECTURAL 5 panels 12-Blade Glass Jalousie Windows 3 Panels 8-Blade Glass Jalousie Windows 1 Panel 5-Blade Glass Jalousie Window 3 Flush Doors (No Jambs) Interior Floor and Walls - Plaster Finish Exterior Walls - Plaster Finish No Ceiling, No Wall Partition Roof Framing - C-purlins with Red Lead Primer Roofing and Long Span Pre-painted Roofing Sheets Firewall Sharing B. ELECTRICAL 5 units Porcelain socket provision 3 units light switches (1 single gang, 2 double gang) 3 units Double Convenience Outlet Electrical Supply Provision C. PLUMBING Toilet Bowl with Water Closet Kitchen Sink with Faucet 4"X4" Plastic Floor Drain No Tiles on Toilet Flor & Walls Individual Septic Tank Water Supply Piping Provision   ESTIMATED FINAL COMPUTATION & APPROVAL BY HDMF: (Philippine Peso) VICTORIA MODEL Loanable Amount >>   668,000.00   Model: Victoria Appraisal Value 671,550.00 estimated loanable Area: 88 sqm Actual Buyer Applied 668,000.00   Lot Price >> 396,000.00                 House Price >> 235,000.00 631,000.00   Add:   Transfer Cost 37,900.00 668,900.00   Guarantee Fee 9,735.00   Reservation Fee 5,000.00   Processing Fee 5,000.00 19,735.00   TOTAL 688,635.00   Less:   Reservation 5,000.00   Processing Fee 5,000.00   Retention Fee 7% 45,430.00   Est. HDMF loan take out 593,901.20 649,331.20   TOTAL EQUITY 39,303.00 remaining equity 4 months to pay           Schedule of Payments Example:     Reservation Fee 11/12/2007 5,000.00     Procesing Fee 12/12/2007 5,000.00     Equity 6/23/2007 9,825.95 monthly for 4 months   Final computation / approval upon signing of contract to sell Check Salary         Family Net Income 16,300.00       Monthly Amortization:     6,099.49 15 years       5,297.79 20 years       4,853.10 25 years       4,583.91 30 years       ROWHOUSE Loanable Amount >>   400,000.00   Model: Rowhouse Appraisal Value 440,760.00.00 estimated loanable Area: 48 sqm Actual Buyer Applied 400,000.00   Lot Price >> 216,000.00   House Price 175,000.00 391,000.00   Add:   Transfer Cost 23,500.00 414,500.00   Guarantee Fee 6,210.00   Reservation Fee 5,000.00   Processing Fee 5,000.00 16,210.00       TOTAL 430,710.00   Less         Reservation 5,000.00   Processing Fee 5,000.00   Retention 7% 28,900.00   Est. HDMF loan take out 377,394.23 416,374.23       TOTAL EQUITY 14,335.77 remaining equity 4 months to pay Schedule of Payments Example:     Reservation Fee 11/12/2007 5,000.00     Processing Fee 12/12/2007 5,000.00     Equity 01/12/2008 3,503.94 for 4 months             Final computation / approval upon signing of contract to sell Check Salary Family Net Income 8,200.00       Monthly Amortization:     4,003.05 15 years       3,491.64 20 years       3,207.97 25 years       3,036.25 30 years