•Two Bedroom with concrete room partition, ceiling, painted finish na.
•An access road to Sta. Rosa, Laguna.
•Will be a kilometer away to Laguna Technopark, Sta. Rosa Laguna.
•One (1) Toilet and Bath with tiles and ceramic fixtures
•Tiled kitchen counter with stainless sink
•Wala ng gagawin pa bago makalipat. Price include Title Transfer cost.
•House Area: 28 square meters
•Typical Lot Area: 40 square meters
•PAG-IBIG loan to be process by developer. Just submit required docs.
•Developed by a Leading Developer..a 2006 Awardee:
SAMPLE COMPUTATION - PAG-IBIG FINANCING
(Ready for Occupancy in 10-12 months - Cedar House Model)
Block 06
Lot 21
Lot Area: 40 sqm.
Floor Area: 28 qm.
Selling Price..................................................Php 550,000.00
Add: Processing Fee...............................................66,000.00
Total Contract Price..............................................616,000.00
Less: Loanable to Pag-ibig.................................575,000.00
Total Equity.................................................................41,000.00
Less: Reservation Fee................................................5,000.00
Net Equity payable in 9 mos..............................36,000.00
Monthly Equity for 9 mos......................................4,000.00
Balance Loanable to Pag-ibig...........................575,000.00
Monthly PAG-IBIG Amortization:
5 yrs @ 7%...................................................................11,385.68
10 yrs @ 7%...................................................................6,676.23
15 yrs @ 7%....................................................................5,168.26
20 yrs @ 7%....................................................................4,457.96
25 yrs..................................................................................4,063.98
30 yrs..................................................................................3,825.48
Fire and MRI Insurance not included. Estimated at .0005% of loanable amount.
Note:
•Developer accepts/process strictly Pag-ibig Financing Only for Cedar 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.
ACTUAL TURN-OVER:
Ø Actual turn-over has plain cement finish only. Wala pong tiles. But walls, ceiling and bedrooms are with concrete partition/division and painted finish.
Ø Kitchen countertop with Tiles...
Toilet and Bath has tiles and complete ceramics fixtures
Ø But when installed with tiles, furnished and dressed-up.. The Cedar House Model can become the dream house...
Model Houses serves as guide on how to beautify your dream house. One can copy the dressing-up and improvement done in the Model House
Ø Corner lots are limited and on first come first serve basis only.
Carmona Estates is Compose of Five (5) Villages
1.) Cedar Village.......Php550,000.00 - Php700,000.00 - - Villas Type
2.) Kinarri Village......Php800,000.00 - Php1,500,000.00 - Townhouse
3.) Amandala Village..Php1,100,000.00- Php1,700,000.00 - Single Attached
4.) The Oaks Village...Php1,400,000.00- Php1,800,000.00 - Single Attached
5.) Pine Crest Village..Php850,000.00 - Php2,600,000.00 - Single Attached
FREQUENTLY ASKED QUESTIONS
1. Reservation is Php5,000.00 for Cedar Village. It is not refundable but is part of the downpayment. Buyer can transfer to another unit/project provided under same developer. Alll payments wuill be credited and there's no penalty. Just a transfer fee of Php3,000.00
2. Monthly Downpayment - your first downpayment will start 30 days after you paid your reservation. Hindi po sabay ang pagbabayad ng reservation at first downpayment.
3. Monthly Amortization - the first monthly amortization will start after you have fully paid the downpayment. Hindi po magsasabay ang monthly downpayment at monthly amortization.
ESTIMATED HOUSE BUYING SALES PROCEDURE - 9 MONTH EQUITY:
• Month 1 - DAY 1......Reservation
• Day 7-15.................Submission of Requirements
• Month 2..................1st Monthly Equity or Downpayment
• Month 3..................2nd Monthly Equity or Downpayment
•Month 4..................3rd - 9th Monthly Equity or Downpayment
•Month 10................1st Monthly Amortization and Turnover
4. Kailan Puede Lumipat - Construction of the house and land development is now ongoing. For Pag-ibig Financing - after full payment of equity and Pag-ibig loan take out (Pag-ibig has paid the developer). Estimated time in loan processing is 3-4 mos after submission of full documents.
5. Ready for Occupancy Units - there is no ready for occupancy unit in Cedar Village. Please take note that turn-over unit has only cement finish flooring in all floors. Buyer will shoulder the cost of tiles intallation.
6. Hassle Free Loan Application - Developer will handle Pag-ibig processing. Just submit all the required documents.
REQUIRED DOCUMENTS - IN-HOUSE FINANCING
(Must be submitted withinin 15-30 days from Reservation date)
1.)Valid ID/TIN
2.) 3 pcs. ID picture 1x1 (husband & wife & Atty. in Fact)
3.) Residence Certificate (husband & wife Atty in Fact)
4.) Birth Certificate (for Single) or Marrriage Contract (for Married)
5.) Certificate of Employment ITR or Bank Account
6.) FOR OFW: Job Contract and Photocopy of Passport
7.) Postdated checks: Developer will give a Bank Referral Letter so Buyer can open a checking account. Only Php5,000.00 to open an account.:
A.) 12 pcs. as per Dp/Equity term choosen
B.) 36 pcs. for Monthly Amortization
C.) 1 pc. Guarantee Check
D.) 4 pcs. Real Property Tax for 5 yrs. or 9 pcs. for 10 yrs.
E.) TOTAL CHECKS .....53 CHECKS
REQUIRED DOCUMENTS - BANK FINANCING
(Must be submitted withinin 15-30 days from Reservation date)
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) or Death Certificate (Widow)
5.) Proof of Billing Address or Certification from Owner if Renting
6.) Payslip (6 months)
7.) Photocopy of Bank Book (last 6 months)
8.) TIN
9.) Certificate of Employment with Compensation-
10.) Latest Income Tax Return or ITR
11.) Postdated Checks: Developer will give Bank Referral Letter so Buyer can open a checking account. Only Php5,000.00 to open an account.:
A.) 12 pcs. Downpayment or According to DP terms
If OFW - SEAMAN - Add these documents:
12.) Passport (Xerox)
13.) Certificate of employment from Agency and/or Job Contract
14.) Exit Pass (Authenticated by POEA)
15.) Special Power of Attorney - Notarized
IF OFW - LANDBASE - Add this documents:
16.) Certificate of Employment from Company - Notarized
17.) Latest contract of Employment (Authenticated by POEA)
REQUIRED DOCUMENTS - PAG-IBIG FINANCING (Locally Employed)
(Must be submitted withinin 15-30 days from Reservation date)
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
7.) Postdated checks: Developer will give Bank Referral Letter so Buyer can open a checking account. Only Php5,000.00 to open an account.:
A.) 12 pcs. as per Dp/Equity term choosen
B.) 36 pcs. for Monthly Amortization
C. ) 2 pcs. Realty Property Tax (2 yrs.)
D. TOTAL 50 CHECKS
If OFW - Add these documents:
13.) Passport (Xerox)
14.) Job Contract
Note:
Any two (2) of the following are accepted valid ID's:
-
Passport/Drivers License..PRC ID..NBI Clearance..Police Clearance
-
Postal ID..GSIS E-Card..SSS..Philhealth Card..Senior Citizen..OWWA ID
-
OFW ID..Seaman'sBook..Alien Certification Registration.....
-
Immigrant Certification
-
INVEST NOW. This is your chance to own a house that has easy and flexible terms.Di na kailangan gumastos ng malaki bago makalipat. Vinyl tiles will do.
HURRY RESERVED NOW!!
