PINES TOWNHOUSE PAG-IBIG HOUSE & LOT @ @ CARMONA ESTATES via South Express Highway near in Manila and Makati

Selling Price 1.1M

- Lot Area 50 sq.m

- Floor Area 60 sq.m

- 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 Picture as a Model Unit

(A Suggestion Interior Design of the House)

Livingroom

Kitchen and Dining Area

Toilet and Bath 1

Bedroom 1

Bedroom 2

Bedroom 3 (Master Bedroom)

Toilet and Bath 2

 Balcony

House Finishes:

- Pre-Painted G.I. Sheets
- Steel Casement Windows

- Pre-cast Panel System

- Painted Exterior & Interior Walls
- Water Closet
- Tiled Kitchen Counter
- Tiled Bathroom
- Floor Cement Finish

House Picture as a Turn Over Unit

(A Delivered house to the buyer)

Fully Painted Inside & Outside Walls.

Landscape & Cemented Garage Not Included

  The wall of the House is finish and painted in white base coat, flooring has plain cement finish only. The Buyer will shoulder cost of tiles installation after the house is turn over to the buyer


 Kitchen Counter Top has tiles and stainless sink


Toilet & Bath of Turn-over House Has Tiles


 Concrete Stairways with Steel Handrail

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

PHASE 2

BLOCK-2
Lot No. 18
Lot Area: 60 sqmeter
Floor Area: 50 sqmeter

Total Contract Price..........................................   1,209,600.00

Less: Loanable Amount to Pag-ibig.....................   1,080,000.00

Required Equity................................................       129,600.00

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

Net Equity payable in 12 months.........................       119,600.00

Monthly Equity for 12 months..............................      9,966.67

Balance Loanable to Pag-ibig.      1,080,000.00

Monthly PAG-IBIG Amortization:

5 yrs @ 10.5%............................................23,508.61
10 yrs @ 10.5%...........................................14,801.54
15 yrs @ 10.5%...........................................12,104.23
20 yrs @ 10.5%...........................................10,893.62
25 yrs @ 10.5%...........................................10,262.52
30 yrs @ 10.5%...........................................9,907.82

Fire and MRI Insurance 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)

PHASE 2

BLOCK-2
Lot No. 18
Lot Area: 60 sqmeter
Floor Area: 50 sqmeter

Total Contract Prize....................................         Php 1,166,400.00

Less: Loanable Amount to Pag-ibig.....................            950,400.00

Downpayment...........................................                   216,000.00

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

Net Downpayment payable in 12 mos..............                206,000.00

Monthly Downpayment for 12 mos...................               17,166.67

Total Balance Loanable to Bank..........................         950,400.00

Bank Monthly Amortizaton:

5 yrs .................................................. 20,952.25

10 yrs ................................................ 13,348.67

15 yrs ................................................ 11,030.16

20 yrs ................................................. 10,013.05

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)

PHASE 2

BLOCK-2
Lot No. 18
Lot Area: 60 sqmeter
Floor Area: 50 sqmeter

Total Contract  Price...................................................  1,128,600.00

Less: Loanable Amount to Pag-ibig...............................  864,000.00

Required Downpayment................................................   264,600.00

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

Net Downpayment payable in 12 mos.............................          254,600.00

Monthly Downpayment for 12 mos.................................    21,216.67

Total Balance Loanable to IN-HOUSE..............................  864,000.00

Monthly INHOUSE Amortization:

5 yrs..........................................................................       22,431.97

10yrs........................................................................ 17,766.14

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

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.

1. Reservation - is Php10,000.00, It is not refundable but is part of the downpayment. Buyer can transfer reservation or payments to another person or 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 owner/choosen unit. Walang penalty or mawawala sa payment. Just pay Php3,000.00 as transfer fee. Approval may takes 2 weeks.

2. Monthly Downpayment - your first downpayment will start 30-40 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.

HOUSE BUYING SALES PROCEDURE FOR 12 MONTH DOWNPAYMENT:
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 14- 17....1st Monthly Amortization and House Turnover

4. Kailan Puede Lumipat For Pre-selling unit –

For Pag-ibig – 12-15 months after full payment of downpayment and Pag-ibig loan take out (Pag-ibig has paid the developer).

For Inhouse Financing, 12-15 mos. after full payment of downpayment. puede na lumipat. No need for loan take-out.
For BANK Financing – 12-15 mos. after full payment of downpayment and Bank loan take-out (bank has paid the developer).
For SPOT CASH BUYERS/FULL PAYMENT of downpayment (OF NOT RFO UNITS), house completion/turnover will still abide by Developer's house completion schedule as shown in the Inventory Sheet. Construction of the house and land development is ongoing now.

5.) House Construction - Starts while Buyer is on downpayment period. By the time Buyer finish paying downpayment, house will be almost finish and ready for turn-over in one to three months.

6.) House Improvement - Developer only accepts deletion of tiles in Bathroom & Kitchen countertop. Deletion charge is Php1,000.00. Letter of request must be sent before house construction starts. Approval of request takes 2 weeks. Buyers will be informed. Buyer must get outside contractor to do the improvement of their unit. Buyer can only start installation of tiles/improvement after house is turned-over. Please take note that turn-over unit has cement finish flooring in all floors. Buyer will shoulder the cost of tiles intallation.

7.) Required Documents for PAG-IBIG FINANCING (Locally Employed)

1.) 3 pcs. ID picture 1x1 (applicant)
2.) 2 Valid ID's (husband & wife)
3.) Cedula ((wife & husband & atty-in-fact)
4.) Birth Certificate or Marriage Contract
5.) Proof of Billing Address or Certification from Owner if Renting
6.) Payslip (3 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 Equity
B.) 44 pcs. for Monthly Amortization
c.) 2 pcs. Real Property Tax for 2 yrs
E.) TOTAL CHECKS .....58 CHECKS

Additional requirements for OFW

1.) Passport

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

3.) Job Contract/Employment Certificate duly consularized in place of work

8.) REQUIRED DOCUMENTS - BANK FINANCING

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 (6 months)
7.) Photocopy of Bank Book (last 6 months) - English Translated
8.) TIN
9.) Certificate of Employment with Compensation (Consularized)
10.) Latest Income Tax Return or ITR
11.) Postdated Checks

A.) 12 pcs. Downpayment or According to DP terms
B.) 1 PC. Guarantee Check

IF OFW, ADD THESE DOCUMENTS:

1.) Passport
2.) Special Power of Attorney duly Consularized in place of Work
3.) Job Contract duly Consularized in place of Work

9.) REQUIRED DOCUMENTS - IN-HOUSE FINANCING

1.)Valid ID & TIN No.
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
6.)Postdated checks:

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

IF OFW, ADD THESE DOCUMENTS:

1.) Passport
2.) Special Power of Attorney duly Consularized in place of Work
3.) Job Contract duly Consularized in place of Work

Free Tripping on the site!!! Hurry! Call us Now!

 Cellphone: Globe: 0917-8313300, Smart: 0908-8952524
Mobile Landline: (02) 359-2158 or (02) 837-8187

Look for Ms.Reniza Larraquel
(Unit Manager)

Email Address: reniza@modernlivingphils.com
Website: www.modernlivingphils.com
Yahoo Messenger : renlarraquel@yahoo.com

Available thru Pag-ibig Housing Loan Program
PAG-IBIG loan to be processed by the developer. Just complete the requirements.
House and Lot at Carmona Cavite Philippines