| |
Victoria Model |
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
Major road entrance: 8 meters width. Concreted. Underground Drainage System, Individual Septic Tank. Ready Power Supply
(VECO), Ready Water Supply Connection (Helpmate) |
|
Subdivision Map of Villa Celina in Tungkil, Minglanilla.
(Click the map to enlarge)
Please contact us for any update of availability of the lots.
|
ESTIMATED FINAL COMPUTATION AND APPROVAL BY HDMF: (Philippine Peso)
| 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 |
1,032,900.00 |
|
|
|
| Guaranty Fee |
13,830.00 |
|
|
|
|
| Reservation |
5,000.00 |
|
|
|
|
| Processing |
5,000.00 |
|
|
|
|
| |
|
23,830.00 |
|
|
|
| |
Total |
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 |
| |
|
|
|
|
|
| Schedule of Payments Example: |
|
|
|
| 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 |
|
|
|
|
| |
|
|
|
|
|
| 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 |
PRINCIPAL |
INTEREST |
TOTAL |
MONTHLY |
5 |
929,400.00 |
557,040.00 |
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 |
334,684.00 |
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 |
111,523.00 |
1,040,923.00 |
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
|
|
