Pines Townhouse @ Carmona Estate Affordable Elegant House Thru Pag-ibig Near in Laguna and Makati

House Features:

- Two (2) Bedrooms with Partition on the second floor
- One (1) Bedroom on the ground floor for guest, office or study room
- Two (2) Toilet and Bath with Tiles
- Laundry area at the back
- Tiled kitchen counter with stainless sink
- Provision for One (1) Car Garage
- Expandable to Four (4) Bedrooms
- Living Area
- Dining Area

House Finishes:

- Pre-Painted Long Span Roofing
- Painted Exterior & Interior Walls
- Water Closet
- Tiled Kitchen Counter
- Tiled Bathroom
- Steel Casement Windows
- Floor Cement Finish

Amenities:
- Village Club House and Multipurpose Area, Swimming Pool, Shuttle Service,
- 24 Security, Basketball Court and kids play ground
- Elegant Entrance Gate, Energized by Meralco, Centralized Water System

LAND MARK

Malls

- 3 Minutes drive to Walter mart Carmona, Cavite
- 15 Minutes drive to SM Dasmarinas, Cavite
- 10 Minutes drive to Alabang Town Center (ATC) and FIESTA MALL (Via SLEX)

Schools

- Perpetual College, (Binan), De La Salle Univ. (Laguna), STI College (Carmona), Colegio San Agustin.

Banks

- BPI, China Bank, Metro Bank, Allied Bank, BDO, Land Bank, etc.

Resorts/Restaurants

- Splash Island, Barrio Fiesta, (Carmona), Southwood Manor, (Golf & hotel restaurant), 30-45mins drive to TAGAYTAY

Just 30 minutes away from Makati CBD, Pines is situated in Carmona, Cavite (almost boundary of Laguna). Very close to access roads leading to schools country clubs, hostpitals and shopping centers.

Location Map: Carmona Estate, Brgy. Lantic, Carmona, Cavite

SAMPLE COMPUTATION - PAG-IBIG FINANCING
(Ready for Occupancy in 12-15 months - Pines House Model)

BLOCK-30
Lot No. 12
Lot Area: 60 sqmeter
Floor Area: 50 sqmeter

Total Contract Price..........................................   1,187,200.00

Less: Loanable Amount to Pag-ibig.....................   1,040,000.00

Required Equity................................................       147,200.00

Less: Reservation..............................................     10,000.00

Net Equity payable in 12 months.........................       137,200.00

Monthly Equity for 12 months..............................    11,433.33

Balance Loanable to Pag-ibig.      1,040,000.00

Monthly PAG-IBIG Amortization:

5 yrs @ 10.5%............................................22,353.66
10 yrs @ 10.5%..........................................14,033.24
15 yrs @ 10.5%...........................................11,496.15
20 yrs @ 10.5%...........................................10,383.15
25 yrs @ 10.5%...........................................9,819.49
30 yrs @ 10.5%...........................................9,513.29

Fire and MRI Insurance not included.

Note

• Developer accepts/process Pag-ibig Financing for Pines house model.
• Processing fee includes transfer of title and other processing expense.
• Buyer can move in upon full payment of equity and Pag-ibig loan take-out. Normally about 12 months from first downpayment. Submission of full documents needed within 15 days from date of reservation.
• Price for CORNER lots and END unit are estimated at Php1M – up

SAMPLE COMPUTATION - BANK FINANCING
(Ready for Occupancy in 12-15 months - Pines House Model)

BLOCK-30
Lot No. 12
Lot Area: 60 sqmeter
Floor Area: 50 sqmeter

Total Contract Prize....................................         Php 1,144,800.00

Downpayment...........................................                   212,000.00

Less: Reservation.......................................                   10,000.00

Net Downpayment payable in 12 mos..............                202,000.00

Monthly Downpayment for 12 mos...................               16,833.33

Total Balance Loanable to Bank..........................         932,800.00

Bank Monthly Amortizaton:

5 yrs .................................................. 20,539.35

10 yrs ................................................ 13,076.58

15 yrs ................................................ 10,801.00

20 yrs ................................................. 9,802.73

Fire and MRI Insurance included.

Note:

• Developer accepts/process Bank Financing for Nikko house model.
• Above interest rate are estimates and for reference only. Prevailing interest rate will apply upon loan take-out.
• Processing fee includes transfer of title and other processing expense.
• Buyer can move in upon full payment of equity and Bank loan take-out. Prevailing interest rate upon loan take-out will apply. Submission of full documents needed within 15-30 days from date of reservation.

SAMPLE COMPUTATION – IN-HOUSE
(Ready for Occupancy in 12-15 months - Pines House Model)

BLOCK-30
Lot No. 12
Lot Area: 60 sqmeter
Floor Area: 50 sqmeter

Total Contract  Price...................................................  1,107,700.00

Required Downpayment................................................   259,700.00

Less: Reservation........................................................     10,000.00

Net Downpayment payable in 12 mos.............................          249,700.00

Monthly Downpayment for 12 mos.................................    20,808.33

Total Balance Loanable to IN-HOUSE..............................  848,000.00

Monthly INHOUSE Amortization:

6 yrs..........................................................................       19,799.05

10yrs........................................................................ 17,412.25

MRI and Fire Insurance are included.

NOTE

• IN-HOUSE financing has maximum of 10 yrs. term only.
• Processing fee in Inhouse/Pag-ibig Financing does not include Transfer of Title.
• Buyer will pay for it and estimated cost to transfer a title is Php43T up
• Processing fee covers one (I) yr advance Realty/Property Tax, One (1) yr. Advance HOA (Homeowners Association ) dues, MRI and Fire Insurance, documentation and other

1. How much is the Reservation Fee?

Ans. Reservation Fee varies according to the selling price of the house. For example, the Reservation Fee for pines Townhouse is 10,000 pesos.

2. Is the Reservation Fee refundable?

Ans. It is not refundable but it is part of the downpayment.

3. Can buyer upgrade or transfer to another unit with a higher price?

Ans. Yes, provided under same developer. All payments will be credited to the new unit chosen. No penalty or deductions on the previous payments, only transfer fee of 3,000 pesos.

4. When will be the first monthly payment for equity?

Ans. Your first downpayment will start 30 days after paying the reservation fee.

5. When will be the first monthly payment for amortization?

Ans. The first monthly amortization will start after you have fully paid the net equity.

• Day 1 .....................Reservation
• Day 7-15.................Submission of Requirements
• Month 1...................1st Monthly Equity or Downpayment
• Month 2...................2nd Monthly Equity or Downpayment
• Month 3-12 .............Remaining Monthly Equity or Downpayment
• Month 13 ................1st Monthly Amortization and Turnover

6. Is the house ready for occupancy?

Ans. Construction of the house will start during the payment of equity. While under construction, minor changes can be requested by the owner from the developer. If ever there are available Ready For Occupancy (RFO) units, full equity must be paid and loan has been taken-out by Pag-ibig before buyer can move-in. Please take note that turn-over unit has only cement finish flooring in all floors. Buyer will shoulder the cost of tiles intallation.

7. How can I apply for a Pag-ibig Housing Loan?

Ans. Developer will handle Pag-ibig processing. Just submit all the required documents.

8. What are the requirements for Pag-ibig Housing Loan?

Ans. If locally employed, here are the requirements

1.) 3 pcs. ID picture 1x1 (applicant)
2.) 2 Valid ID's (if married: husband & wife & Attorney-in-Fact)
3.) Cedula
4.) Birth Certificate (if single) or Marriage Contract (if Married)
5.) Proof of Billing Address or Certification from Owner if Renting
6.) Payslip (3 months)
7.) MSVS - Membership Status Verification Slip from Pag-ibig)
8.) Pag-ibig Counselling from the Developer
9.) TIN
10.) Certificate of Employment with Compensation
11.) ITR
12.) Postdated checks: Developer will give a Bank Referral Letter so Buyer can open a checking account. Only Php5,000 needed to open an account.
........a.) 12 pcs. Or as per Downpayment/Equity term chosen
........b.) 44 pcs. for Monthly Amortization
........c.) 2 pcs. Realty Property Tax (2 yrs.)
........d.) TOTAL 58 CHECKS

If OFW - Add these documents:

13.) Passport (Xerox)
14.) Job Contract

15.) Special Power of Attorney duly consularized in place of work

(All requirements must be submitted within 30-60 days from Reservation date)