28/07/2016
CARMINA MODEL (Bungalow house) 2 Bedrooms, 1 Toilet & Bath ,
100 sqm. lot area, 40 sqm. floor area
PACKAGE PRICE: P1,742,705.40
RESERVATION FEE: P20,000.00
Location: Communal Buhangin, Davao City
Financing Option:
Spot Cash: paid within 7 days less 3%
Spot Cash: paid within 30 days less 2.5%
Deferred Cash: 24 monthly installment less 25,000 at 0% initerest
Bank Financing: Downpayment payable to max. 24 months 0% interest ; Monthly Amortization payable to max. of 20 years
Pag-ibig Financing: Downpayment payable to max. 24 months 0% interest ; Monthly Amortization payable to max. of 30 years
RESERVATION FEE: P20,000.00
A. PAG-IBIG/BANK FINANCING
DOWNPAYMENT + PROCESSING: P506,257.95
24 Months to pay @ 0% Interest: P17,320 per month
18 Months to pay @ 0% Interest: P23,093 per month
12 Months to pay @ 0% Interest: P34,640 per month
ESTIMATED LOAN VALUE: P1,394,164
Bank Estimated Monthly Amortization for 20 years term: P10,395/month
PAG-IBIG MONTHLY AMORTIZATION (Principal & Interest)
1 Year to pay: Php 120,311.36/month
(Required Gross Monthly Income: Php 401,037.86)
2 Years to pay: Php 62,104.78/month
(Required Gross Monthly Income: Php 207,015.93)
3 Years to pay: Php 42,729.74/month
(Required Gross Monthly Income: Php 142,432.45)
4 Years to pay: Php 33,062.53/month
(Required Gross Monthly Income: Php 110,208.45)
5 Years to pay: Php 27,278.42/month
(Required Gross Monthly Income: Php 90,928.06)
10 Years to pay: Php 15,830.45/month
(Required Gross Monthly Income: Php 52,768.17)
15 Years to pay: Php 12,144.67/month
(Required Gross Monthly Income: Php 40,482.22)
20 Years to pay: Php 10,394.51/month
(Required Gross Monthly Income: Php 34,648.37)
25 Years to pay: Php 9,413.50/month
(Required Gross Monthly Income: Php 31,378.32)
30 Years to pay: Php 8,812.06/month
(Required Gross Monthly Income: Php 29,373.55)
B. DEFERRED PAYMENT
24 Monthly Installments (less P25,000 @ 0%): Php75,202/month
C. SPOT CASH PAYMENT
Spot Cash paid within 3 days: less 3% discount
Spot Cash paid within 30 days: less 2.5% discount
REQUIREMENTS FOR OFW:
1. Valid Employment Contract or Cert. of Employment & Compensation duly certified by Employer( with English translation if foreign language)
2. POEA Information Sheet or email address.
3. Special Power of Attorney (SPA) notarized prior to date of departure or certified and authenticated by the Philippines Embassy or Consulate in the country where the member is staying.
4. Photocopy of 2valid ID with specimen signature -principal borrower (2copies)
5. Photocopy of 2valid ID w/ specimen signature - spouse if married
6.Photocopy of 2valid ID w/ specimen signature Attorney-In-Fact 2copies
7. Photocopy Birthcert
8. Photocopy Marriage Cert
9. 1x1ID picture
10. Proof of Billing.
11. MSVS & MDF from PAG-IBIG