House and lot for sale Camella Homes in Bulacan Real Estate Philippines

FOR SALE HOUSE AND LOT IN BULACAN

Buying or Getting a House is a Serious Matter..

As a Homeowner, i know its not easy to earn money..

Working more than the required time, just to meet what you dream House is..

Let's make it straight forward.. and Easy for you.. no more Jokes and Marketing tactics

1. The House  

LLADRO  - 2 Storey Single Detached

4 BEDROOMS + MAIDS ROOM

4 TOILET AND BATH

LIVING ROOM

DINING AREA

KITCHEN

BALCONY & CARPORT 

LANAI

OFFICE DEN

FAMILY HALL

UTILITY ROOM

2. The Price 

   LLADRO is Available in Camella Provence Malolos and Baliwag

3. The Conditions   

       * Prices are in the Sample Base only, it vary depends on the size of lot.

       * Reservations is deductable to the required downpayment, Valid for 30 Days only 

       * Your Income, your work, location of work, your status of work, and your Age are the common factor    and reason your loan will be determined. 

       * Financing Terms; Choose

Listed below are the characteristics of each type of payment scheme.

1. Spot Cash. This is an outright payment for the entire contract price of the property you are buying. The entire contract amount must be paid within the agreed number of days (usually 30 days) from the date of reservation. One of the advantages of Spot Cash payment is the large amount of discount that can be availed. Buyers who have enough savings are usually attracted by the discount being offered. Another advantage of Spot Cash payment is that all the necessary documents will get to your hands in a short period of time, assuming everything is in its proper order. Another advantage of Spot Cash payment is that it doesn’t require a lot of documents on the part of the buyer.

The only disadvantage of this approach is that only a few buyers can afford to do so. Buyers usually buy on borrowed funds and savings are usually allocated for something else.

TIP: You don’t have to pay Spot Cash from your savings. Wise buyers will usually loan from other sources that offer lower interest rates and then pay spot cash. It’s like borrowing from A at super low interest rate to pay spot cash for real property offered by B.

2. Deferred Cash. You can think of it as an installment payment without the discount and without interest. There are people who don’t want to be burdened with interest payments. They usually go for this option. Aside from saving on interest payments, Deferred Cash payment also allows for shorter time period for the documents to be processed. In many cases, the entire contract price may be covered within 3 years. Always check with your developer the time-frame for the whole amount to be paid.

3. Long Term Financing. Long Term Financing usually divides the contract price into two: a) down payment and b) financed amount. The amount to be financed is usually covered by a mortgage from a financial institution. Some developers will also offer In-House Financing, but it usually has higher interest rates than available in the market. The loan company will require a lot of income documents from you before your loan is approved. It’s understandable, they want to make sure that they are granting loan from someone who has the ability to pay it in time. The amount of loan and payment terms largely depend on your income, employment or business standing.

This is the usual payment scheme followed by the buyers. Its advantage is that it feels light and can be inserted as part of the monthly budget for the household. The disadvantage is that the longer the loan term, the higher the total payments you will have to cover and therefore the more expensive the property becomes in the long run.

TIP: If you can afford it, offer to you pay a large down payment. This means your mortgage amount will be less. Remember it is the financed amount that will eventually bear the interest. The standard down payment is 20% of the total contact price. If you can pay more like 30%, do so. The lender will love you for it. 

There are 3 popular financing options here in the Philippines when a buyer/investor would like to loan a certain amount. These are In-house financing, Bank Financing, and Pag-IBIG Financing.

In-house Financing - you get to borrow money (or loan for your balance) "internally" or from the developer itself

• Advantages - easy approval; no or minimal background check; developers are more flexible/easy to talk with when it comes to late payments
• Disadvantages - shorterm term (usually max is 10 years); highest interest rate (can go as high as 21%)

Bank Financing - you borrow money from a bank to pay off your balance from the developer

• Advantages - longer term than in-house financing (can go upto 15 to 20 years in some banks) ; lower interest rate than in-house financing (usually from 9% to 12%)
• Disadvantages - very strict when it comes to approval and late payments (can foreclose your property easily)

Pag-IBIG Financing - you borrow money from HDMF (given that you are a member) to pay off your balance from the developer

• Advantages - longest term offered (upto 30 years max) ; lowest interest rates (as low as 6% to 11.5%)
• Disadvantages - strict when it comes to approval and late payments (can foreclose your property easily)

4. The Requirements;

Required Documents for Spot Cash
• Birth Certificate or Marriage Contract
• 2 Valid IDs
• Community Tax Certificate (Cedula) / Photocopy of Passport (all pages w/ entries)
• 2 pcs. 2" x 2" id pictures (husband and wife)

Required Documents for Deferred Cash (2 years to pay)
• Birth Certificate or Marriage Contract
• 2 Valid IDs
• Community Tax Certificate (Cedula) / Photocopy of Passport (all pages w/ entries)
• 2 pcs. 2" x 2" id pictures (husband and wife)
• Proof of Billing Address (Utility bills)
• Post dated checks

Required Documents if with Financing

Overseas Contract Workers (OFWs)
• Original Certificate of Employment and Compensation w/ Consular Seal
• Photocopy of Contract of Employment
• Photocopy of Passport (all pages with entries)
• Proof of Remittances (latest 6 months)
• Pay Slips (latest 3 months)
• 2 Valid IDs
• Bank Statements (latest 6 months)
• Birth Certificate or Marriage Contract
• Community Tax Certificate (Cedula)
• 2 pcs. 2" x 2" id pictures (husband and wife)
• Proof of Billing Address (Utility bills)
• Post dated checks

Locally Employed
• Photocopy of Income Tax Return (ITR)
• Original and Notarized Certificate of Employment and Compensation (COEC)
• Pay Slips (latest 3 months)
• 2 Valid IDs
• Bank Statements (latest 6 months)
• Birth Certificate or Marriage Contract
• Community Tax Certificate (Cedula)
• 2 pcs. 2" x 2" id pictures (husband and wife)
• Proof of Billing Address (Utility bills)
• Post dated checks

 Arranged your Site Tripping and Visitation

This way to Camella Communities Sites

5. The Communities

Amenities

- Clubhouse
- Swimming Pool
- Basketball & Tennis Courts
- Neighborhood town centers
- Landscaped nature park, linear garden, tree park &
   children's playground
- charming arbors & trellises
- Scenic fountains & ponds
- jogging paths & bike trails
- 24 hour security
- Private water supply

It's Just a Minute away from different area..

1. 35 minutes from Quezon City Via NLEX

2. 53 Minutes From Makati 

3. 27 Minutes From San Fernando Pampanga

4. 58 Minutes from Ninoy Aquino International Airport

5. 48 Minutes from Diosdado Macapagal Int. Airport

6. 35 Minutes from Monumento

7. 2 Hours and 45 Minutes from Baguio City

8. 39 Minutes from Trinoma Mall and SM North Edsa

9. 55 Minutes from SM Mall of Asia, Pasay

10. 1 Hour and 12 Minutes from Subic

Every Camella Communities in Bulacan is strategically located to all your needs.

Camella Communities in Bulacan is close to the very place and spot you need for family to live the fullest.

1. Malls (SM Marilao, Baliwag, and Pampanga, Robinsons Place Balagtas, Pulilan, and soon in Malolos City., Puregold in Malolos, Guiguinto, and Baliwag, WalterMart in Plaridel and Guiguinto)

2. Reputable Schools and Universities ( BSU Malolos City, CEU Malolos City, La Consolacion University of The Philippines, Baliwag University, St.Mary College Meycauyan, and other)

3. The Countries ver known Big Resorts ( 8 waves Hotel and Resorts, Jed's Islands Resort, DJ Paradise Resorts and Hotel)

4. Convention Centers (Malolos City Sports and Convention Center, Baliwag Conventions Center, Hiyas Conventions Center

5. Town Centers and Central (The Cabanas Premiere Cinema, Baliwag Glorietta..)

6. Dedicated Hospital (Balagtas Doctors Hospitals, Bulacan Medical Center, Bulacan Provincial Hospital, Sacred Heart Hospital

7. Just a stone a way from the National Roads (Besides McAthur National Highway, and Cagayan Valley Road. A Minute to NLEX)

..THERE IS CAMELLA COMMUNITIES NEAR YOU, ANYWHERE IN BULACAN.., THERE'S CAMELLA HOMES CLOSES TO YOU..

 ALL THINGS YOU NEED IS HERE.

JUST INQUIRE ONLY TO A ACCREDITED & IN-HOUSE SALES GROUP

 WE ARE READY TO HELP YOU TO FIND A HOME THAT SUIT YOUR BUDGET

1. ONLINE TECHNICAL DISCUSSIONS ABOUT SA PROPERTY.

• WE can send you listings directly from Camella Office that fit your parameters, and you won't waste time looking for not un updated list
• WE often know of new listings coming up that are not yet on the market.
• WE will preview homes for you.
• AS a DIRECT In-House Accredited Property Specialist, WE can generally spot problems and deal with real estate manner and advise you accordingly.

2. WE NEVER SELL ANY DEVELOPER PROPERTY - WE ARE FOCUS ONLY WITH CAMELLA    PROPERTIES

• WE have more time dealing alone with Camella Properties ONLY, as a Direct In House, Thats our Responsibility.

3. HOME LOAN SPECIALIST - WE WILL ASSIST AND GUIDE YOU EVERY DETAILS THAT CAN HELP YOU WITH LOANING IN BANK/iN HOUSE/PAG IBIG

• WE open everything from Loan manners, Thru IN House, Bank Financing, and Even Pag Ibig Loan.

4. OUR FIELD OF EXPERTISE IN GETTING A PROPERTY LEADS US TO BE THE VERY WELL KNOWN GROUP OF IN HOUSE SALES GROUP FOR 5 CONSECUTIVE YEARS

5. WE ARE PROUD HOMEOWNERS.. WE WILL TELL YOU OUR STORIES.. FROM RESERVATIONS, LOAN DETAILS, TURN OVER, AND AMORTIZATIONS.. THATS OUR ADVANTAGES, ONLY A HOMEOWNERS CAN TELL

• LOT of Agents or Property Specialist can sell Camella Homes, but only few of them are HOMEOWNERS
• AS a HOMEOWNERS, we experienced the same process from Reserving, Paying Equity up to Applying the Loan, then to Amortization, WE will guide you each and everyway. Iba pa rin kapag Homeowner ang kausap mo!
• Being honest homeowners, we will tell you every details to what really happen inside the subdivisions, we will give you update and report according to the Developers Plan together with coordination of Homeowners Association.

             Not Just an Agent..                                                                                  Highly Accredited IN HOUSE

WHAT ARE YOU WAITING FOR? FOR DETAILS AND PROCESS, REQUIREMENTS, SITE TRIPPING, PROMOS AND DISCOUNT., JUST CALL OUR HOTLINE NUMBER

PLANNING TO LOAN IT THRU PAG-IBIG? Just contact our hotline numbers or email us at camella_bulacan@yahoo.com for personal inquiry and computation, or Chat me now for an instant Computation, we will HELP YOU.

FOR YOUR RESERVATIONS, INQUIRIES, DISCOUNTS & PROMOS,

CONTACT US:

Ron Santos

Sales Manager/Property Specialist 

Communities Bulacan, Inc

Unit 17 Twins Plaza Complex, Km 32 McArthur Hi-way,

Bulihan, Malolos City, Bulacan

(+044) 731-1647; - Landline

+63 906-470-7278; - Globe

+63 918-951-5475; - Smart