Pinecrest Village at Carmona Estates Floor Area: 60sqm | Lot Area: 50sqm 1 Bedroom / 1 Toilet and Bath / 1 Car Garage - Ground Floor 2 Bedroom / 1 Toilet and Bath / Terrace - Second Floor Pag-Ibig, Bank, and In-House Financing are Accepted Small Family's Starting-Out Ideal Place Only P10,000 to reserve for a unit. Low Monthly Amortization of P8,482.89/mo. thru Pag-Ibig Financing 30yrs @8.5% House Features: - 3 Bedrooms
- Living Room
- Kitchen
- Dining
- 2 Toilet and Bath
- Laundry Area
- Provision for One-Car Garage
- Provision for Front Lawn
- Provision for CATV, Telephone and AC Outlet
| House Finish: - Pre-Painted Long Span Roofing
- Painted Exterior and Interior Walls
- Ceramic Bathroom Fixtures
- Tiled Kitchen Counter with Stainless Sink
- Tiled Toilet and Bath
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Living Area
Dinning area
Pines townhouse Bed 1st Floor
Pines townhouse stairs
Pines Townhouse Bed 2 ( 2nd floor)
Pines townhouse Master's Bedroom
SAMPLE COMPUTATIONS: Option 1: PAG-IBIG FINANCING: Option 1: Through Pag-Ibig
Selling Price | Php 1,060,000.00 | Add: Processing Fee | Php 127,200.00 | Total Contract Price | Php 1,187,200.00 | Less: Loanable Amount to Pag-ibig | Php 1,000,000.00 | Required Equity | Php 187,200.00 | Less: Reservation Fee | Php 10,000.00 | Net Equity | Php 177,200.00 | Monthly Equity for 12 months | Php 14,766.67 | Insurance: MRI | Php 410.00 | Insurance: FIRE | Php 383.79 |
Monthly PAG-IBIG Amortization:
30 yrs @ 8.5% | Php 8,482.89 | 25 yrs @ 8.5% | Php 8,846.09 | 20 yrs @ 8.5% | Php 9,471.99 | 15 yrs @ 8.5% | Php 10,641.19 | 10 yrs @ 8.5% | Php 13,192.39 | 5 yrs @ 8.5%
| Php 21,310.29 |
NOTE:
- MRI and FIRE Insurance are already included.
- Maximum of 12 months downpayment term for Pag-ibig financing.
- Maximum terms of loan varies depending on Buyer's age.
- Loan must be paid before Buyer reaches 70 yrs. old.
- Processing Fees includes Transfer of Title, Advance One Year Fire/MRI insurance,
- one year advance property tax and other blueprints.
Option 2: BANK FINANCING: Selling Price | Php 1,060,000.00 | 20% Down Payment | Php 212,000.00 | Less: Reservation | Php 20,000.00 | Net Down Payment | Php 192,000.00 | Payable in 12mo. | Php 16,000.00 | Loanable Amount | Php 848,000.00 | Add: Legal and Misc. Fees | Php 84,800.00 | Total Loanable Amount | Php 923,800.00 |
Insurance
MRI | Php 381.60 | FIRE
| Php 140.04 |
Monthly Amortization @10.5% Interest (Bank Financing):
5yrs. | Php 20,571.15 | 10yrs. | Php 13,108.38 | 15yrs. | Php 10,832.80 | 20yrs. | Php 9,834.53 | 25yrs.
| Php 9,328.97 |
NOTE:
- Fire and MRI insurance already included.
- Move-in on the 13th to 15th month or after paying downpayment
- Processing Fees includes Transfer of Title.
- Interest rate is reference only.
- Prevailing interest rate will apply upon loan takeout.
- Bank terms for OFW is 15 yrs while locally employed has up to 25 yrs.
- Developer will process loan. Tied up with Metrobank and UCPB.
- Bank maximum approved amount will depend on salary & age (loan maturity is 55 yrs.)
Option 3: In-House Financing (Inner Unit)
Selling Price | Php 1,060,000.00 | Down Payment | Php 212,000.00 | ADD: Legal and Misc. Fees | Php 47,700.00 | Total Down Payment | Php 259,700.00 | LESS: Reservation | Php 10,000.00 | Net Down Payment | Php 249,700.00 | Payable in 12 months | Php 20,808.33 | Total Remaining Balance | Php 848,000.00 |
- Amortization Excluding Insurance Fees:
10yrs.
| Php 16,954.21 | 6yrs.
| Php 19,341.00 |
NOTE: - Fire & MRI insurance not included. Estimated at .0005% of loanable amount.
- Transfer of Title cost not included.
- Processing fees includes One year Advance Real Property Tax & Insurances,
- Advance Homeowners Dues and Documentation/Notarial Fees.
- In-house processing will be processed by the Developer. Buyer just need to submit requirements
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