Carmona Estates
Carmona
Cavite
- Three (3) Bedroom with room partition, with ceiling, painted finish na.
- Me bedroom sa ground floor for Lolo & Lola or guest/office/study room
- Two (2) Toilet and Bath with tiles and ceramic fixtures
- With Laundry Area at the Back
- Tiled kitchen counter with stainless sink
- Wala ng gagawin pa bago makalipat. Price include Title Transfer cost.
- An access road direct to Sta. Rosa coming from the village
- Laguna Technopark will be a kilometer away.
- House Area: 60 square meters
- Typical Lot Area: 50 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 13-18 months - Pines House Model)
Lot Area: 50 sqmeter
Floor Area: 60 sqmeter
INNER LOT FACING EAST
Selling Price................................................Php865,000.00
Add: Processing Fee.........................................103.800.00
Total Contract Price..........................................968,800.00
Less: Loanable Amount to Pag-ibig.............870,000.00
Required Equity.................................................98,800.00
Less: Reservation..................................................10,000.00
Net Equity payable in 12 mos.........................88,800.00
Monthly Equity for 12 mos................................7,400.00
Balance Loanable to Pag-ibig.........................870,000.00
Monthly PAG-IBIG Amortization:
5 yrs....@ 10.5%.........................................18,699.69
10 yrs @ 10.5%.........................................11,739.34
15 yrs @ 10.5%..........................................9,616.97
20 yrs @ 10.5%...........................................8,685.90
25 yrs @ 10.5%...........................................8,214.38
30 yrs@ 10.5%...........................................7,958.23
Fire and MRI Insurance not included.
Note:
- Developer accepts/process Pag-ibig Financing for Pines house model.
- Pag-ibig financing has maximum of 12 months equity only.
- 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.
SAMPLE COMPUTATION - IN-HOUSE FINANCING
(Ready for occupancy in 13-18mos - Pines House Model
Lot Area: 50 sqm.
Floor Area: 60 sqm.
INNER LOT FACING EAST
Selling Price............................................Php 865,000.00
20% downpayment.........................................173,000.00
Add: Processing Fee.........................................38,925.00
Total Downpayment.......................................211,925.00
Less: Reservation................................................10,000.00
Net Equity payable in 15 mos.....................201,925.00
Monthly Equity for 15 mos.............................13,461.66
80% Balance Loanable ...................................692,000.00
Monthly INHOUSE Amortization:
5 yrs.......................................................17,572.25
10 yrs.....................................................13,835.27
MRI and Fire Insurance not included.
SAMPLE COMPUTATION - IN-HOUSE FINANCING
(Ready for occupancy in 12-15 mos - Pines House Model
Lot Area: 103sqm.
Floor Area: 60 sqm.
CORNER LOT
Selling Price............................................Php 1,315,000.00
20% downpayment.........................................263,000.00
Add: Processing Fee.........................................59,175.00
Total Downpayment.......................................322,175.00
Less: Reservation................................................10,000.00
Net Equity payable in 15 mos.....................312,175.00
Monthly Equity for 15 mos.............................20,811.66
80% Balance Loanable ...................................1,052,000.00
Monthly INHOUSE Amortization:
5 yrs.......................................................26,713.88
10 yrs.....................................................21,032.81
SAMPLE COMPUTATION - IN-HOUSE FINANCING
(Ready for occupancy in 13-18 mos - Pines House Model
Lot Area: 71sqm.
Floor Area: 60 sqm.
END UNIT
Selling Price............................................Php 1,085,000.00
20% downpayment.........................................217,000.00
Add: Processing Fee.........................................48,825.00
Total Downpayment.......................................265,825.00
Less: Reservation................................................10,000.00
Net Equity payable in 15 mos.....................255,825.00
Monthly Equity for 15 mos.............................17,055.00
80% Balance Loanable ...................................868,000.00
Monthly INHOUSE Amortization:
5 yrs.......................................................22,041.19
10 yrs.....................................................17,354.06
MRI and Fire Insurance not included.
NOTE
For BANK financing, Buyer will apply directly to this office.
IN-HOUSE financing has maximum of 10 yrs. term only.
Processing fee in INHOUSE financing does not include Transfer of Title.
Buyer will pay for it and estimated cost to transfer a title is Php35T 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 fees.
Price for CORNER lots and END unit are estimated at Php1M - up
MATER PLAN
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
AMENITIES & FACILITIES
Shuttle Service
Swimming Pool
24 Hour Security
Elegant Entrance Gate
Energized by MERALCO
Roman Catholic Church
Landscaped Open Spaces
Centralized Water System
Landscaped Parks & Playground
Village Clubhouse & Multipurpose Area
MODEL UNIT
ACTUAL TURNOVER
But when installed with tiles, furnished and dressed-up.. your PINES Townhouse Model can become the dreamhouse...
Model Houses serves as guide on how to beautify your dreamhouse. One can copy the dressing-up and improvement done in the Model House.
FREQUENTLY ASKED QUESTIONS
1. Reservation is Php10,000.00 for Pines Townhouses.. It is not refundable but is part of the downpayment. Buyer can transfer to another unit provided under same developer and same price or price is higher than old unit. All payments made will be duly credited in the new choosen unit. Walang penalty or mawawala sa payment. Just pay Php3,000.00 as transfer fee.
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- 12 MO. DP/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 - 12th Monthly Equity or Downpayment
- Month 13 ...............1st Monthly Amortization and Turnover
4. Kailan Puede Lumipat - Construction of the house and land development is ongoing now. 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 (RFO) - there is no ready for occupancy unit yet at PINES TOWNHOUSE. If ever there are available 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.
6. Hassle Free Loan Application - Developer will handle Pag-ibig processing. Just submit all the required documents.
7. 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 needed 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
8. 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 a Bank Referral Letter so Buyer can open a checking account. Only Php5,000 needed to open an account.
A.) 12 pcs. Downpayment or According to DP terms
B.) 1 pc. Guarantee check
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)
9. 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 (For loan above 750K)
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 choosen
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
In-House Processing Fee Includes the following:
- Premiums for the first year coverage-mortage redemption insurance (MRI) & fire insurance.
- Real Property taxes for one year.
- Blue Print of house plans (one set)
- Home Owners Association (HOA) dues for Preventive maintenance.
- Administritive expenses.
important: The cost to be incurred for the transfer of the Certificate of Title in the buyer's name are not included.
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.
HURRY RESERVE NOW!!!
FOR MORE INFORMATION:
NAME:AVELINA BARBO
MOBILE NO.+639215070718/+639054650104
EMAILADD:avelina_barbo23@yahoo.com.ph
