PINES TOWNHOUSE @ CARMONA STATE JUST 30 MINUTES AWAY FROM MAKATI VERY CLOSE TO SLEX AND OTHER ACCES ROAD LEADING TO SCHOOLS HOSPITALS AND SHOPING CENTER FLEXIBLE INHOUSE PAG IBIG HOUSE AND LOT CAVITE PHILIPPPINES 3 BEDROOMS 2 TOILET AND BATH Updated!

Pines TownHouse Model House

Carmona Estates is a sprawling development almost 60 hectares large, and composed of nine different phases. Currently available are units in Carmona Estates 3,4,6, and 7.

Carmona Estates 6 was recently opened to the market. It offers only one house model namely PINES, which is designed with the modern family in mind as it combines form and function with a spacious lay-out and tasteful finish. The model has a typical lot area of 50 square meters and has a house area of 60 square meters with a balcony. At Carmona 6, the homeowner can enjoy the refreshing warmth of home as he can take a walk amidst rich pine trees, be refreshed at the pool, or chill out with family and friends at the clubhouse.

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.

Its amenities allow you to enjoy the comforts of your community for leisure, spirituality, and family fun.

    SAMPLE COMPUTATION 1 - PAGIBIG FINANCING
   (House Delivery: 15 Mos. From Reservation Date)
   Location: Block 2 - Inner House - Phase 2
   Lot Area: 50 square meters
   Floor Area: 60 square meters
   Selling Price.............................................1,080,000.00
   Add: Processing Fee....................................129,600.00
   Total Contract Price..............................Php1,209,600.00
   Less:  Amount To Loan Thru Pagibig...........1,080,000.00
   Total Equity To Pay Zero Interest................129,600.00
   Less:  Reservation Fee....................................10,000.00
   Net Equity To Pay in 12 Months....................119,600.00
   Monthly Equity To Pay in 12Mos........................9,966.00
   Amount To Loan Thru Pagibig Financing.......1,080,000.00
   PAGIBIG MONTHLY AMORTIZATION
   (Amortization Start After Pagibig Paid The Developer)
   10yrs @ 9.5%.........13,974.00
   15yrs @ 9.5%.........11,277.00
   20yrs @ 9.5%.........10,891.00
   25yrs @ 9.5%.........10,262.00
   30yrs @ 9.5%...........9,907.00

  House Ready for Occupancy in 15 Months)

  Lot Area: 50 sqm.

  Floor Area: 60 sqm.

  Selling Price...............................Php 1,080,000.00
  20% Required down.............................216,000.00
  Add: Processing Fee................................48,600.00
  Total Downpayment...............................264,600.00
  Less: Reservation.....................................10,000.00
  Net Downpaymet...................................254,600.00
  Monthly Equity if paid in 12 mos No interest....21,216.00

  80% Balance Loanable.........................................864,000.00
  Monthly INHOUSE Amortization:
  5 yrs........................................22,431.00
  10 yrs......................................17,766.00

1. PAGIBIG Financing will be process by Developer.  Just submit required documents.
2. Transfer of Title cost is already included in Pagibig financing.
3. House turn-over will be within 1-3 months from fullpayment of equity.
4. House improvement will NOT be allowed during construction. 
5. Reservation and equity payment are not refundable. But it is transferrable.
6. Insurance are included in the monthly amortization.

1.) 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:
   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

IF BUYER IS AN OFW, ADD THESE DOCUMENTS:
7.) Passport
8.) Special Power of Attorney

2.) REQUIRED DOCUMENTS - BANK / PAGIBIG 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)
8.) TIN
9.) Certificate of Employment with Compensation - Consularized
10.) Latest Income Tax Return or ITR (OFW are exempted)
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
       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 BUYER IS AN OFW, ADD THESE DOCUMENTS:
12.) Passport
13.) Special Power of Attorney duly Consularized in place of Work
14.) Job Contract

   FREQUINTLY ASK QUESTION:

   01- RESERVATION:

   It is not REFUNDABLE but is it a part of down payment.

   Buyer can transfer reservation and down payment to another person or unit provided under

   same agent,developer and same price is higher than the opld unit,all payments made will be

   duly credited in the new owner/choosen unit,walang penalty or mababawassa payment acount

   at nasa downpayment period pa,just pay php 3,000.00 as transfer fee.approval maybe in

   2(two weeks).

   Reservation discount paid during promo period cannot be transferred to another unit or owner.

   Reservation will expire with in 45 days.its very important.buyer pays her first equity or down

   payments.in case of delayed payment a letter of request asking aproval for delayed payment

   must be fax to profriends before due date of first equity.

   Hit dates are only 5"th day of the month.

   02- MONTHLY DOWNPAYMENT:

   1- First down payment will stert 30-45 days after you paid your reservation.

   2- Must attache letter of request to start on DOWNPAYMENT on second option date,wether from

      5"th to start on the 20"th to start on the next 5"th date of the month.

   3- Hindi po sabay ang ang pagbayad ng reservation at first downpayment.

   4- Very important that buyer pays her first down payment on time.

   5- Buyer can delay payment up to two months.

   6- Buyer can atill delaye payment up to 3months or more as long as buyer fax a letter

       of request asking approval to pay past due account with penalty is computed at 1/10

       of 1%.

   7- Example: Monthly down payment is php 21,500.00 penalty is 21.50 /day only multiplied by 

       no. of days. 

      Monthly amortization:

    1- First Amortization will immediately start after you have fully paid the down payment

       regardles if loan has not been taken by pag ibig

    2- Amortization term can be changed only during downpayment period.

    3- hindi magsasabay ang monthly downpayment at monthly amortization.

    4- start of amortization payment cannot be extended or  moved.

    5- But buyer can request to pay the first down payment on the next month.

       No Hidden Charges: 

         FROFRIENDS does not charges MOVE-IN fees.

         Buyer will apply and can only apply apply WATER and MERALCO connection after house is

         turn over and accepted.

         WATER - Estimate cost for water connection is php3,800.00 (deposit and meter)

         time table is 1-2 weeks from application date cost may vary depending on choosen

         project.

          MERALCO - Estimated cost for electrical connection is php2,700.00 (deposit and meter)

          CONSTRUCTION BOND - Is required by PROFRIENDS only if buyer construct improvement

           (tiles,fence,balcony) after house is accepted.Estimate amount is (5,500.00 to 10,500.00)

           depending on project you choosen.This bond will for any damages (should there be any)

           during construction of improvement period.Bond will be refunde if there is no damages

           done during construction.

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