Check if you’re eligible for PAG-IBIG housing loan…own a house and lot!

Own a house and lot thru PAG-IBIG Housing loan!!!

It is best to make use of your PAG-IBIG housing loan habang bata ka pa:

  1. You will be finished paying your mortgaged house loan earlier so you can retire young…the sooner the better you can enjoy time with family at home
  2. You have lesser responsibilities and obligations
  3. Earlier opportunity to earn passive income
  4. You have more time to wait for the construction to finish
  5. Generally land increase in value as time pass by (what is worth a million today will be worth much higher later)
  6. You have better chances of availing lower mortgage interest rates since there is low risk for the bank or financing institution

Remember the following requirements:

  1. Borrowers has contributed a minimum of 24 monthly contributions (totaling 4,800)
  2. Up to 3 PAG-IBIG  members may avail of single housing loan provided they are related
  3. below 65 years old
  4. monthly amortization should not exceed 1/3 of your gross monthly income.  (if income is insufficient, you may take your spouse or close relative to tack-in your contributions)
  5. with enough savings for the down payment or equity required
  6. prepared with the following documents:
    1. payslip or income statement
    2. employment contract indicating salary

If you don’t get qualified for some reason, you may still avail thru in-house financing by submitting the following:

  1. Government issued ID
  2. Signed Purchase Application Form

Sample Computation – Filinvest Property Aldea Real (:

2 Storey ; 2 Bedroom unit

Lot Area           :  100 sqm

House Floor Area:  typically 37.3 sqm

House Model:   Modified Danessa Single Attached

Developer:  Filinvest

Location:  Calamba, Laguna

Total Contract Price incl. Processing fee (TCP) :   1,663,300

Reservation fee:  20,000

Down payment (Equity)  :  352,300 (payable in 12 months or

29,358.33 per month)

Balance from TCP financed by PAG-IBIG

Estimated sample Monthly mortgage amort. to Pag-ibig after paying Equity:

10 years to pay, interest fixed at 8.035% –   9,504.42 per month                                                                                              (subject to repricing after 10 years)

                 30 years to pay, interest fixed at 10%   –  11,329.45 per month

Check more about your monthly amortization by clicking on link below or copy paste on your browser:

http://www.pagibigfund.gov.ph/phmp/calc.aspx

Enjoy these Amenities when you live in Aldea Real:

  • 24-hour security
  • Clubhouse
  • Basketball Court
  • Shared Swimming Pool
  • Playground

You may call me if you want to buy a house and lot for sale under this budget or others like Camella Homes and make use of your Pag-ibig benefit, other investment or any business related assistance:

Carmela Valbuena-Paano, CPA, MBA

09179454410

Note:
We’re not affiliated with Pag-Ibig.

Loanable amount is subject to the approval of PAG-IBIG. Final computation will be given by PAG-IBIG.

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Affordable House in Cavite ba ang hanap mo? Try Elliston Place

When I got into Elliston Place when it was launched last year, I saw how beautiful it is! You can see pictures below to appreciate.

This is one of the few house and lot for sale in Cavite that is completely finished with tiles, paint, and bedroom partition, plus delivered with gate for added security.

My assessment for this property would be 8 out of 10.

For location, it is very accessible to the Open Canal Road and best if you have your own car. If you are commuting, you have to go through Malagasang Road and the subdivision is located at the back of Marycris Complex. I will give the location a rating of 8 out of 10.

For the price, it may be a bit pricy compared to nearby properties in the area. I am giving it a score of 8 out of 10 because even though the lot is only 48sqm, Duraville, which is the developer, was able to maximize it and delivered a 3bedroom, 2 bathroom, complete turnover property with gate.

For the design, it is 9 out of 10. There are very few house and lot for sale in Cavite that will give you a beautiful finish. They also used a conventional construction method using hollow blocks that makes it strong and sturdy for quality house design.

 

Sample Computation

3 Bedrooms; 2 Bathrooms

Lot Area 48sqm ; Floor Area 54sqm

TCP: P 1,858,000

10% Downpayment: P185,800 payable in 9 months installment after 20K Reservation.

90% Balance thru bank Loan

15yrs – 14,797/month

20yrs – 12,714/month

25yrs – 11,553/month

If you are looking for a house and lot for sale in Paranaque but your budget is only 12K a month, then this is your best option.

Contact Me at my numbers for inquiries if you are looking for a house and lot for sale in Cavite like Camella Homes, Lancaster Cavite, and others.

DJ DIMALIUAT

09154233799

09228111086 (Viber)

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Enjoy these Amenities when you live here in Elliston Place!

  • 24-hour security
  • Clubhouse
  • Basketball Court
  • Shared Swimming Pool
  • Playground

 

Contact Me at my numbers for inquiries and tripping schedules

DJ DIMALIUAT

09154233799

09228111086 (Viber)

Not yet satisfied? Here’s a video of the site to see it for yourself.

For Rent! FULLY-FURNISHED 1BR Condo at Field Residences Paranaque near SM Sucat

Looking for a place to stay?

Come here at Field Residences Paranaque, a master-planned community inspired by modern tropical designs, beautiful garden, complete amenities, pools and pathways where you can play safely with your kids and feel the luxurious village living!

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For only Php18,000 a month, you can already live in this FULLY-FURNISHED unit EQUIPPED with:

>Queen Size bed
>TV
>Heater
>Automatic Washer
>Electric Stove
>Refrigerator
>Microwave
>Kettle
>Rice Cooker

LOCATION

Dr Arcadio Santos Ave, Parañaque, Metro Manila

-Located behind SM City Sucat
-Shopping, dining and entertainment venues are easily within reach.
-Behind C5 Extension
-Minutes away from Ninoy Aquino International Airport (NAIA Terminals 1,2 &3)
-Near Makati City, Mall of Asia, Solaire, Okada, City of Dreams, Nobu hotel, SLEX, Schools, Hospitals, and Churches & Commercial establishments.

AMENITIES of Field Residences:

>Children’s Play Area
>Swimming Pool
>Open Playfield
>Function Rooms
>Poolside Event Area
>Picnic Area
>Basketball court
>Badminton Court
>Jogging Trail

FEATURES of Field Residences:

>Spacious Lobbies
>24-hour Security
>Individual Mailboxes
>2-3 Elevators per Building
>Property management Services
>Standby generator Set for Common Areas & Select Unit Outlets

CONTACT US

09176050595 (Neil)

09154233799 (DJ)

09228111086 (Viber)

House and Lot for Sale in Laguna (South Peak by Filinvest)

Dreaming of having your own house under the spectacular views of Laguna de Bay and the mountains of Makiling and Banahaw?

Have it here in South Peak, San Pedro, Laguna with our Iris Model unit, and enjoy year-round cool climate in a breathtaking setting of stylish homes, luxuriant pine trees and inspiring views of Laguna de Bay.

With 200Sqm lot size and 62.4Sqm livable and usable area, this house is perfect for your family!

This modern design two-storey single detached unit is also equipped with:

  • 3 Bedrooms
  • 2 Toilet and baths
  • Living Room
  • Dining Area
  • Kitchen
  • Bedroom
  • Storage

AMENITIES

  • Main clubhouse
  • Swimming pool
  • Children’s playground
  • Basketball court
  • Barbecue park
  • Tennis court

TOTAL CONTRACT PRICE: Php4,626,400

RESERVATION FEE               : Php30,000

SAMPLE COMPUTATION

Payment Options

Spot Cash

P4,226,300

Deferred Cash

P383,033.33 for 12 Months

P198,759.82 for 24 Months

10-90 Bank Financing (10% Downpayment-90% Bank Financing)

>Spot Downpayment(DP)    : P432,640

>Monthly DP for 12 months: P36,053.33!

Loan amount thru Bank financing:

  • If 5 years,      P84,426.04 per month!
  • If 10 years,    P55, 024.40  per month!
  • If 15 years,    P47,325.17 per month!

20-80 Bank Financing (20% Downpayment-80% Bank Financing)

>Spot Downpayment(DP)    :     P867,521.60

>Monthly DP for 12 months:     P74,606.67

Loan amount thru Bank financing:

  • If 5 years,   P75,045.37 per month!
  • If 10 years, P48,910.57  per month!
  • If 15 years, P42,066.82 per month!

20-80 In-house Financing (20% Downpayment-80% In-House Financing)

>Spot Downpayment              :P867,521.60

>Monthly DP for 12 Months :P74,606.67!

Loan amount thru Bank Financing:

  • If 5 years,   P87,229.63 per month!
  • If 7 years,   P81,467.71  per month!
  • If 10 years, P72,521.05 per month!

Contact us for more Inquiries and Site-viewing

09154233799 (DJ)

09228111086 (Viber)

Fully-furnished Condo at Sea Residences MOA

Want to have your own condo at the heart of the Mall of Asia Complex? Then this modern resort-inspired condominium at Sea Residences MOA is for you!

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Located at 6th Floor, Apartment 601, Sunrise drive cor. Pearl Road, Mall of Asia Complex, CBP-1A, Pasay City

 

 

Set against a backdrop of the awe-inspiring sunset of the Manila Bay and the stunning Makati skyline, this condo is your perfect home in the city!

This fully furnished and completely remodeled condo spanning 54 Sqm is equipped with:

  • Full-size queen bed
  • TV
  • Refrigerator
  • Two split aircon units
  • Modern appliances
  • Dress and side cabinets
  • Huge mirror
  • Modern Decors

More Features at Sea Residences MOA

  • Automatic Fire Detection and Alarm System
  • Standby Generator Set for Common Areas & Select Unit Outlets
  • Sewerage Treatment Plant
  • Centralized Cistern Tank

What else are you looking for? Enjoy this cozy and fully-equipped condo now at  Php8,500,000! Acquire it thru Cash or Bank Financing.

Contact Us for Inquiries

09176050595 (Neil)

09154233799 (DJ)

09228111086 (Viber)

 

For Rent! 1BR FULLY FURNISHED Condo at Mandaluyong Acqua Residences

Looking for a nature-inspired condo in the city?

Then this FULLY FURNISHED 1BR Condo Unit of Acqua Private Residences in Mandaluyong is for you!

For only Php21,000 per month for a period of one year, you can already live in this home away from home.

Acqua Private Residences is a true riverfront development, located on the regenerating Pasig River in Coronado Street, where Mandaluyong meets Makati. Accessible via the Makati-Mandaluyong Bridge, it is also connected to the Makati Central Business District via the newly constructed Estrella-Pantaleon bridge, making it truly a stone’s throw away from all of Makati’s top attractions.

AMENITIES

Lounge
> lobby
> juice bar and café
> lounge area
> changing rooms
> spa
> hot and cold jacuzzi

Energize
> cardio, weights and trx training
> multi-purpose studios for dance, yoga and pilates
> climbing wall
> cycling and boxing studio
> basketball / tennis court

Plunge
> lap pool
> lagoon pool

CONTACT US

09176050595 (Neil)

09154233799 (DJ)

09228111086 (Viber)

 

Lot for Sale in Laguna (Ashton Fields)

Build your home in this charming residential property in Ashton Fields!

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Having your own lot of 150Sqm, you can put up your house enjoying  these amenities and facilities in the area…

  • Main clubhouse
  • Multi-purpose hall
  • Basketball court
  • Tennis court
  • Play areas
  • Pocket parks
  • Swimming pool

        Ashton Fields is located at Pan-Philippine Highway, Brgy. Milagrosa, Calamba, Laguna.

Landmarks
• Iglesia ni Cristo – 1 km
• Waltermart – 1.5 km
• Lyceum of the Philippines – 1.8 km
• Turbina Terminal – 2.6 km
• SM Calamba – 5.7 km
• Camelray Industrial Park – 13.5 km

 

TOTAL CONTRACT PRICE: P1,384,900

RESERVATION FEE               : P20,000

Payment Options

Spot Cash

Upon reservation (8% Discount): P1,254,100

Within 30 days      (5% Discount):  P1,295,600

Deferred Cash

P58,110.62 for 24 Months

20-80 Financing (20% Downpayment-80% In House or Bank Financing)

>Discounted Spot Downpayment(DP) : P248,670.60

>Monthly DP for 12 months at P21,415!

Loan amount thru In-house financing:

  • If 5 years (13.5%), P26,499.43 per month!
  • If 7 years  (17%),    P23,647.60  per month!
  • If 10 years(19%),   P21,688.16 per month!

OR

Loan amount thru Bank Financing:

  • If 5 years (8%), Php22,464.62 per month!
  • If 10 years(10%), Php14,641.24  per month!
  • If 15 years(11%), Php12,592.58 per month!

Contact Us

09154233799 (DJ)

09228111086 (Viber)

House and Lot for Sale in Laguna (Aldea Real at Ciudad de Calamba)

Planning to buy your family a house and lot in Laguna?

Have it here with our Dannesa Duplex model in Ciudad de Calamba, Brgy. Punta, Calamba City!

With 100Sqm in lot size, this house is surrounded with great panoramic views around the area: Laguna Bay in the East, Mount Makiling in the South and Tagaytay Ridge in the West.

What else are you looking for?

 

Being perfectly designed and strategically located, Aldea Real in Ciudad de Calamba is also complete with these amenities and facilities

• Multi-purpose Clubhouse
• Basketball Court
• Parks and Playground
• Gazebo / View Deck
• Jogging Paths
• Grand Entrance Gate
• Concrete Roads
• Guardhouse
• Power Distribution Water
• Distribution
• Drainage System

TOTAL CONTRACT PRICE: Php1,774,300

RESERVATION FEE               : Php20,000

SAMPLE COMPUTATION

Payment Options

Spot Cash

Upon reservation (8% Discount): P1,612,300

Within 30 days      (5% Discount): P1,665,600

Deferred Cash

P75,860.32 for 24 Months

20-80 Financing (20% Downpayment-80% In House Financing)

>Discounted Spot Downpayment(DP) : P324,214.20

>Monthly DP for 12 months                       : P27,905!

Loan amount thru In-house financing:

  • If 5 years,     P33,453.99 per month!
  • If 7 years,     P31,244.20  per month!
  • If 10 years,   P27,813.01 per month!

10-90 Financing (10% Downpayment-90% Bank Financing)

>Monthly DP for 12 Months at P13,119.17

Loan amount thru Bank Financing:

  • If 5 years,   P32,378.77 per month!
  • If 10 years, P21,102.75  per month!
  • If 15 years, P18,149.98 per month!

Contact us for inquiries and site viewing

09154233799 (DJ)

09228111086 (Viber)

Lot for Sale in Laguna

Looking for a space to build your home?

Have it built here in Valle Dulce at Pueblo Solana!

                    Brgy. Bubuyan, Calamba City, Laguna

For only Php5,000 Reservation fee, you can start having this beautiful spot spanning 151Sqm in lot area, with a value of Php1,684,100 (Total Contract Price) only!

As you live here with your family, enjoy these complete range of amenities and facilities so you can enjoy life to the fullest!

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• Basketball court
• Clubhouse
• Playground Area
• Swimming Pool
• Village with Guardhouse
• Perimeter Fence
• Underground Drainage System
• Concrete Roads
• Overhead Power Distribution Lines
• Centralized Water Distribution System


Contact Us

09154233799 (DJ)

09228111086 (Viber)

House and Lot for Sale in Laguna (Montebello at Ciudad de Calamba)

Looking for a house and lot for sale in Laguna?

Build your home with this Iris Model in Ciudad de Calamba, Brgy. Punta, Calamba City!

With 196Sqm lot size and 62.4Sqm livable and usable area, this house is perfect for your family!

This modern design two-storey single detached Iris model unit is also equipped with:

  • 3 Bedrooms
  • 2 Toilet and baths
  • Living Room
  • Dining Area
  • Kitchen
  • Bedroom
  • Storage

Aside from this house and lot for sale in Laguna, live your dream home with these amenities and facilities at Ciudad de Calamba:

  • Clubhouse
  • Swimming Pool
  • Basketball Court
  • Badminton Court
  • Playground
  • Pocket Parks

TOTAL CONTRACT PRICE: P4,380,700

RESERVATION FEE                : P30,000

SAMPLE COMPUTATION

Payment Options

Spot Cash

Upon reservation (8% Discount): P4,200,000

Within 30 days      (5% Discount):  P4,131,600

Deferred Cash

P188,135.14 for 24 Months

20-80 Financing (20% Downpayment-80% In House Financing)

>Discounted Spot Downpayment(DP) : P819,855.80

>Monthly DP for 12 months                       : P70,511.67!

Loan amount thru In-house financing:

  • If 5 years,    P82,597.01 per month!
  • If 7 years,     P77,141.10  per month!
  • If 10 years,   P68,669.58 per month!

10-90 Financing (10% Downpayment-90% Bank Financing)

>Spot Downpayment             : P408,070

>Monthly DP for 12 Months: P34,005.83!

Loan amount thru Bank Financing:

  • If 5 years ,     P79,942.32 per month!
  • If 10 years,   P52,102.15  per month!
  • If 15 years,   P44,811.81 per month!

Contact us for more inquiries and site-viewing

09154233799 (DJ)

09228111086 (Viber)