affordable houses in carmona, cavite at 1.6 M

House and Lot in Carmona, Cavite at 1.6 M

Call or Text Ronaldine C. Lagbas for Inquiries

09159011261

Description

Oakwood House Model
Carmona Estates
Barangay Lantic, Carmona Cavite
MOST AFFORDABLE 4 BEDROOM HOUSE FOR SALE IN CARMONA CAVITE - PHILIPPINES
104sqm (1,118.87sq ft) Floor Area 88sqm (946.74s ft) Lot Area
1 Bedroom / 1 Toilet & Bath Downstairs
3 Bedroom / 1 Toilet & Bath/Wide Balcony Upstairs
Balcony is Attached to the Next House
House is Attached Only to Next House at the Back
Low Monthly Amortization of P14,276.83 thru Bank Financing 20yrs @10.5%
Morning Sun units are available. Additional of around P40,000.00
Corner Lots are additional of a minimum of 13 sqm of lot, priced at P1,841,000.00

DIMENSIONS:
- Dining / Living Area 34sqm (366sq ft)
- Ground Floor / 2nd Floor Bedroom 9sqm (96.8sq ft)
- Restroom 2.6sqm (28sq ft)
- Kid's Bedroom 6.6sqm (71 sq ft)
- Master's Bedroom 13.4sqm (140sq ft)

Carmona Estates is conveniently located near the Carmona Exit of the South Luzon Expressway, and just a few minutes away from the Carmona town proper and public market. It is only a 30 minute drive from the Makati Central Business District and has access to schools, hospitals, and business establishments in the nearby towns of Laguna. Definitely a lot closer when compared to Sta Rosa, less busy compared to Binan, and for those who live further south of Laguna, Carmona Estates is strategically located midway for all your personal and family lifestyle needs.

Main road inside the subdivision.



The view inside the subdivision.

LAND MARK

30 Minutes to Makati

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

Benefits:

• Blending cosmopolitan and suburban living.

• Accessible through the major access road Mayor's Blvd. and Sugar road.

• Self-contained community with 24-hour security.

• Peaceful community, away from the noise and chaos of traditional urban setting.

• Offers fresh, clean air.

• Shuttle service

• Approximately 30mins from Makati

House Features:

• 4 Bedrooms

• Living Room

• Kitchen

• Dining Room

• 2 Toilets and Baths

• Terrace and Lanai

• Laundry / Service Area

• Provision for 2 Car Garage

• Provision for Front Lawn

• Provision for CATV, Telephone and Air-Conditioning Unit

House Finishes:

• Pre-Painted G.I. Roofing

• Tiled Kitchen Counter with Stainless Steel Kitchen Sink

• Tiled Toilet and Bath

• Ceramic Bathroom Fixtures

• Interior and Exterior Wall Paint Finish

Computations:

Option 1: Bank Financing (Inner Lot)
Selling Price ....................................       P1,625,000
Legal and Misc. Fees .......................          130,000
20% Downpayment .........................          325,000
Less: Reservation ...........................            20,000
Net Downpayment ..........................          305,000
Payable in 15mo. ............................         20,333.33

Loanable Amount ...........................        P1,300,000
Legal and Misc. Fees ......................            130,000
Total Loanable Amt. ......................         P1,430,000

Monthly Amortization @10.5% Interest (Bank Financing):
5yrs. ........................................... 30,736.28
10yrs. .........................................  19,295.71
15yrs. .........................................  15,807.20

NOTE:
• Fire and MRI insurance not included.
• Move-in on the 16th to 19th 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 10 yrs while locally employed has up to 15 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.).

FREQUENTLY ASKED ANSWERS  (BANK FINANCING)

         1. Procedure:

Month 1 ; Day 1     Reservation

Day 7 to 21     Submission of Requirements (Please refer to Bank financing requirements)

Month 2 ; Day 5th or 20th     Ist Monthly Equity or Downpayment

Month 3 to 13 or Month 3 to 19     2nd to 12th or 2nd to 18th Monthly Equity or Downpayment

Month 14 to 17 or Month 20 to 22    Ist Monthly Amortization and House Turn-Over

         2. Reservation:

Reservation is from P10,000 to P20,000 depending on the house model. It is non-refundable but will make as part of your downpayment. It can be transferred to another unit or  person provided it is from the same agent and developer. A transfer fee of P3,000.00 will be charged to the buyer. 1 to 2 weeks approval.

          3. Monthly Equity or Downpayment:

First monthly equity or downpayment will start either on the 5th or the 20th hit date of the following month upon reservation.

     Example: Reserved a unit on Jan. 1. First monthly equity or downpayment will start on Feb. 5. Succeeding payments deadline will be on every 5th of the month.

           4. Monthly Amortization:

First monthly amortization will start a month after finishing payments of monthly equity or downpayment. It will not coincide with downpayment. (Hindi po magsasabay) Amount and duration will depend on the loan and term applied to bank. (25 years maximum for locals; 15 years for OFW)

            5. House Turn-Over:

Buyer will receive a letter of Guaranty from the developer (Pro Friends) stating that the house is ready for inspection. Buyer will be given 2 months to inspect and make repair request for the house. Buyer will issue a letter of acceptance when everything is well.

             6. Buyer's Guarantee:

Aside from  2 months to make repair request for the house upon completion, buyer will also be given one whole rainy season to inspect the house. If found to have a leak, developer will make repair FREE of charge.

              7. House Improvement:

House improvement will only be allowed upon turn-over of the unit. Buyer will submit drawings/proposal to Engineering office of the developer for approval of alterations. This is to ensure structural integrity.

              8. Ready for Occupancy Units:

Buyer is required to make full downpayment and take-out of bank loan to transfer. Estimated time to move-in is 1 to 4 months.

Option 2: CASH PAYMENT SCHEME
(INNER LOT)
(Legal & Miscellaneous Fees and Reservation Fee not included in the computation of the discount)
PRICE STARTS AT PHP 1,625,000.00 AND UP
Typical Selling Price .................................. Php 1,625,000.00
Less: Reservation Fee .............................. Php 20,000.00
Selling Price Net of Reservation Fee .......... Php 1,605,000.00
10% Discount within 7 days
from the date of reservation ................... Php 1,444,500.00
9.5% Discount within 8 to 30 days
from the date of reservation ................... Php 1,452,525.00
9% Discount within 31 to 60 days
from the date of reservation ................... Php 1,460,550.00
8.5% Discount within 61 to 90 days
from the date of reservation ................... Php 1,476,600.00


Option 3: In-House Financing
Selling Price ........................................ P1,625,000
Down payment (20%) ........................ 325,000
Processing Fee (4.5%) ....................... 73,125
Total Down payment .......................... 398,125
Less: Reservation Fee ......................... 20,000
Net Downpayment .............................. 378,125
Payable in 18 months ........................ P21,006.94
Total Remaining Balance: Payable Through In-House Financing
80% Balance ......................................... P1,300,000

Amortization Including Insurance Fees
Years to Pay:
Five (5) years @ 18% ....................... 33,011.45
Ten (10) years @ 21% ...................... 25,991.11

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

In House (Initial Requirements)   

1.   Latest proof of income.
2.   3pcs. recent 1 x 1 I.D. pictures
3.   Marriage Contract, Birth Certificate, or Separation papers (if needed)
4.   Community Tax Cert. No.
5.   Complete post dated check for Equity and Amortization
6.   TIN

Additional Requirements for OFW  

1.   Initial requirements
2.   Job Contract
3.   Passport
4.   Special Power of Attorney (SPA)
5.   Valid I.D. of Attorney in Fact
6.   1 pc. I.D. picture of Attorney in Fact
7.   Residence Certificate of Attorney in Fact

Self Employed  

1.   Initial Requirements
2.   Affidavit of Income
3.   Business Name and Permit
4.   Passbook with 3 months maintaining balance
5.   ITR

Stop Renting! Own your Dream Home.

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Contact: 09159011261