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

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.

 
    Cypress Townhouse             Pines Townhouse              Oakwood Single Attached

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Selling Price 1.1M

 

 

House Features:

- 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

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

 Loanable Amount to Pag-ibig.............................. 1,040,000.00

 

Monthly PAG-IBIG Amortization:
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

 

SAMPLE COMPUTATION - BANK FINANCING
(Ready for Occupancy in 12-15 months - Pines House Model)
Lot Area: 60 sqmeter
Floor Area: 50 sqmeter

Total Contract Price..........................................       1,166,400.00

Less: Loanable Amount to Bank........................          950,400.00

Required Equity................................................           216,000.00

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

Net Equity payable in 12 months.........................         206,000.00

Monthly Equity for 12 months.........................          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:

SAMPLE COMPUTATION – IN-HOUSE
(Ready for Occupancy in 12-15 months - Pines House Model)
Lot Area: 60 sqmeter
Floor Area: 50 sqmeter

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

Required Equity................................................           264,600.00

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

Net Equity payable in 12 months.........................         254,600.00

Monthly Equity for 12 months.........................          21,216.67

Total Balance Loanable to Bank........................     864,000.00

 

Monthly INHOUSE Amortization:
6 yrs..........................................................................    22,431.97

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

MRI and Fire Insurance are included.

 

NOTE

 

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House Features:

- Lot Area 40 sq.m.

- Floor Area 40 sq.m.

- Two (2) Storey

- Three (3) Bedrooms with partition
- One (1) Toilet and Bath

- Living Area

- Dining Area

- Kitchen Area

- Provision for Service/Laundry Area

- Provision for One (1) Car Garage

House Picture as a Model Unit

(A Suggestion Interior Design of the House)

Livingroom

Kitchen

Toilet and Bath

Bedroom 1

Bedroom 2

Bedroom 3 (Master Bedroom)

SAMPLE COMPUTATION - PAG-IBIG FINANCING

(This Inner Unit Will be Ready for Occupancy in 12-14 mos.)

Lot Area : 40 sq.m

Floor Area : 40 sq.m

Total Contract Price.................................................        840,000.00
Less: Loanable to Pag-ibig.......................................      750,000.00
Required Equity..........................................................       90,000.00
Less: Reservation..........................................................      7,500.00
Net Equity...................................................................        72,500.00
Monthly Equity for 12 mos...........................................        6,875.00

 

Monthly PAG-IBIG Amortization:

Note:

• Developer accepts/process Pag-ibig Financing for Cypress 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

  

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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

 

 

 

 

Amenities:

 

• Village Club House
• Swimming Pool
• Shuttle Service,
• Basketball Court
• Play ground
• Chapel
• 24 Security
• Elegant Entrance Gate
• Electricity provided by Meralco
• Centralized Water System
• Telepphone provided by PLDT Manila line

 

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1. Reservation-  Is not refundable but it 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. No payment will deduct. 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. Turn Over 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 installation.

7. Required Documents - PAG-IBIG FINANCING (LOCALLY EMPLOYED)

- 3 pcs. ID picture 1x1 (applicant)
- 2 Valid ID's (husband & wife & Attorney-in-Fact)
- Cedula ((wife & husband & atty-in-fact)
- Birth Certificate or Marriage Contract
- Proof of Billing Address or Certification from Owner if Renting
- Payslip (3 months)
- Photocopy of Bank Book (last 6 months)
- TIN
- Certificate of Employment with Compensation

- Membership Status Verification Slip (MSVS)

- Latest Income Tax Return or ITR
- Postdated Checks: Developer will give Bank Referral Letter so Buyer can open a checking account. Only Php5,000.00 to open an account

8. Required Documents - PAG-IBIG FINANCING (SEAMAN- OFW)
- 3 pcs. ID picture 1x1 (applicant, husband & wife & SPA (Special Power of Attorney) )
- 2 Valid ID's (applicant, husband & wife if married & SPA (Special Power of Attorney) )
- Cedula (SPA Special Power of Attorney )
- Birth Certificate or Marriage Contract
- Proof of Billing Address or Certification from Owner if Renting
- Payslip (3 months)
- Photocopy of Bank Book (last 6 months)
- TIN if applicable

- Membership Status Verification Slip (MSVS)
- Certificate of Employment with Compensation

- Passport
- Special Power of Attorney duly Consularized in place of Work
- Job Contract/Employment Certificate duly Consularized in place of Work
- Postdated Checks: Developer will give Bank Referral Letter so Buyer can open a checking account. Only Php5,000.00 to open an account

9.) REQUIRED DOCUMENTS - BANK FINANCING and IN_HOUSE
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

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

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