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Bulacan Real Estate : Featured Pag-IBIG-Accredited Projects in Bulacan Area

by Pag-IBIG Financing Admin

Overview of the Las Palmas Subdivision in Bulacan

Are you tired of renting every month? Do you want to invest in a home not very far from Manila but you have very limited budget? Then Las Palmas Subdivision is the place for you.

Located in Barangay Caypombo, Sta Maria, Bulacan, Las Palmas offers prime location, with one of the subdivision’s entrance gate located along the highway, with bus going to and from Edsa passes. Las Palmas Subdivision is a flood-free community with a very good underground drainage system within the community so you can feel assured that your family won’t experience floods in this area.

Las Palmas Subdivision offers Spanish inspired townhouses with terraces at a very affordable price and flexible payment schemes, most especially the Pag-IBIG Financing.

Why Invest at Las Palmas?

Las Palmas Bulacan Vicinity Map

  • Just 1 hour away from Cubao via SLEX with buses going to Caypombo Gardens.
  • 30 minutes travel time from balintawak to Las Palmas Subdivision.
  • You can alight directly in front of the entrance gate.
  • 5 minutes away from Waltermart
  • Walking distance to the marketplace
  • A church is located in front of the subdivision.
  • Walking distance to the nearest public and private school.
  • All houses are elevated.

Amenities and Facilities at Las Palmas Subdivision

  • Clubhouse
  • Church
  • Lagoon
  • Children’s Playground
  • Basketball Court
  • Guard House with 24/7 security on the main entrance
  • Underground Drainage System

Bare house in Las Palmas Bulacan

3 Model Units Available At Las Palmas Subdivision

Bare-Type Unit

  • Inner Unit Lot Area: 36 SQM
  • Floor Area: 26 SQM
  • Complete structure on the exterior of the house with 2nd floor, roof, windows,and terrace. House is painted on the outside. 1.5 SQM setback at the back of the house with sink.
  • Bare interior, with T&B inside the house. With provision for 2nd floor.

Sample Computation for Bare-Type Units Inner Lot:

Total Contract Price: 599,000
Downpayment: 20,000
Less Reservation Fee: 5,000

Remaining DP payable of up to 6 months: 15,000/6 = 2500 a month

PAG-IBIG Loan Value: 579,000
Monthly Amortization:
30 years: 3,853
25 years: 4,093

MRI and Fire Insurance will be added to the monthly amortization. Estimate: 4,100/month for 30 years.

Note: The Bare-type is the most sold unit here. Construction of 2nd floor will cost about 100k-150k including the labor charges. You can hire your own contractor or the developer can give you a list of contractors if you don’t have anyone.

Semi-Complete Type Units

  • Inner Unit Lot Area: 36 SQM
  • Floor Area: 38 SQM
  • Complete structure on the exterior of the house with 2nd floor, roof, windows,and terrace. House is painted on the outside. 1.5 SQM setback at the back of the house with sink.
  • Interior finish. With stairs and loft on the second floor for 1 bedroom.

Sample Computation for Semi Complete-Type Units Inner Lot:

Total Contract Price: 811,000
Down Payment: 157,000
Less Reservation Fee: 5,000

Remaining DP payable of up to 12 months:

3 Mos (For Ready for Inspection Units Only): 50,667
6 Mos: 25,333
12 Mos: 13,505

PAG-IBIG Loan Value: 654,000

Monthly Amortization:
30 years: 4,352
25 years: 4,623

MRI and Fire Insurance will be added to the monthly amortization.

Sample Gated House at Las Palmas Subdivision in Bulacan

Complete Type Units

  • Inner Unit Lot Area: 36 SQM
  • Floor Area: 48 SQM
  • Complete structure on the exterior of the house with 2nd floor, roof, windows,and terrace. House is painted on the outside. 1.5 SQM setback at the back of the house with sink.
  • Interior finish. With stairs and complete second floor with 2 bedrooms.

Sample Computation for Complete-Type Units Inner Lot:

Total Contract Price: 988,000
Down Payment: 238,000
Less Reservation Fee: 5,000
Remaining DP payable of up to 12 months:
3 Mos (For Ready for Inspection Units Only): 77,667
6 Mos: 38,833
12 Mos: 20,702

PAG-IBIG Loan Value: 750,000
Monthly Amortization:
30 years: 4,990
25 years: 5,301

MRI and Fire Insurance will be added to the monthly amortization

Contact Details

For general inquiries about the project and for free site viewing, please contact

Susan Villafuerte
Cell Phone: 09222789975, 09278796373
Email Address :susan.villafuerte16@yahoo.com
Website : houseoptions.wordpress.com

Filed Under: Featured Project / Property Tagged With: Bulacan, Bulancan Houses, House For Sale

Cavite Real Estate : Featured Pag-IBIG-Accredited Projects in Cavite Area

by Pag-IBIG Financing Admin

About The West Beverly Hills Project

This is an exclusive subdivision located in Barangay Lancaan, Dasmarinas Cavite. They offer three house models — Catherine, Julia and Charlize – that are truly modern and beautifully designed.

The community is inspired by the classy and popular place in California, USA.

Ready for Occupancy and Ready for Construction Units are available.

Amenities at West Beverly Hills Subdivision:

  • Clubhouse
  • Children’s Playground
  • Picnic Area
  • Swimming Pool
  • Peaceful Community with 24/7 security

Why should you invest in West Beverly Hills?

Word-class Home Designs

The house models are very elegant looking at a very fair price. The design of the house is inspired by the classy California, USA homes.

Convenience

It is conveniently located in Aguinaldo Highway, Dasmarinas. It is a flood-free community, with proper drainage system so you won’t have to worry about your family’s safety when it rains hard.

It is now more convenient and easier to travel to Cavite with the construction of the Cavitex so you’ll spend less time travelling.

Shopping Malls, Business Centers, Schools

Dasmarinas is the richest municipality in Cavite, with malls like SM and Robinsons, and business centers like Gateway Business Park and Cavite Economic Zone are just within the vicinity.

It is also close to schools like PCU, Lyceum, and De LaSalle University, Dasmarinas.

Tagaytay is also just 20 minutes away if you’re looking to have a vacation.

Reserve your own house and lot in West Beverly hills with the very affordable Reservation fee of Php 5,000

Model Homes at The West Beverly Hills Project

CATHERINE MODEL

House Design of Catherine

Lot Area: 96 SQ.M
Floor Area : 48 SQ.M
Total Contract Price : 1,321,000.00

Downpayment : 136,500.00

Less Reservation Fee- 5,000.00
Balance On DP : 131,500.00
DP 24 MOS. TO PAY- 5,479.00

Loanable Amount: 1,185,000
MA ( PAG-IBIG ) 30 YEARS TO PAY- 11,735

Net Income Required: 29,338 (Can be combined income of spouse or parents. Or present other sources of Income)

JULIA MODEL

house design julia
Lot Area : 96 SQ.M
Floor Area : 58.4 SQ.M
Total Contract Price: 1,505,000.00

Down Payment : 225,000.00
Less Reservation Fee : 5,000.00

BALANCE OF DP- 220,000.00
24 MOS TO PAY- 9,167.00

LOANABLE AMOUNT- 1,280,000.00
MO. AMORT. (30 YEARS)- 12,676
REQUIRED NET INCOME- 31,690

CHARLIZE MODEL

house design charlize
Lot Area : 96 SQ.M
Floor Area: 77 SQ.M

TCP- 1,923,800.00
DOWNPAYMENT- 369,800.00
RESERVATION FEE- 5,000.00
BALANCE OF DP- 364,800
24 MOS TO PAY- 15,200
LOANABLE AMOUNT- 1,554,000.00
MO. AMORT.(30 YEARS)- 15,390.00
REQUIRED NET INCOME- 38,475.00

For FREE site viewing, contact SUSAN VILLAFUERTE at

09222789975 (Sun) / 09278796373 (Globe)

Email: susan.villafuerte16@yahoo.com

Important Notes To Site Visitors:

  1. For questions and inquiries about the project listed above, please contact the listing agent/broker directly using the contact methods most appropriate to both of you.
  2. Please exercise due diligence. The Team at Pag-IBIGFinancing.com reserves the right to correct any typological error shown on the property listing.
  3. This is for information purposes only.
  4. This is a free service to all agents/brokers and real estate marketing companies. If you are selling a Pag-IBIG Accredited Project in any part of the country, feel free to advertise it here. Use the Contact Form provided on this website.
  5. Other Pag-IBIG Accredited projects in the area of Cavite may soon appear on this page. So if you know someone who is selling, please share this page to him/her.

Filed Under: Featured Project / Property Tagged With: Cavite, Cavite Houses, House For Sale

Subject: OFW Loaning

by Pag-IBIG Financing Admin

We are always delighted to receive letters from OFW Pag-IBIG Members.

A couple of days ago, we received a letter from a Pag-IBIG Member who is an Overseas Filipino Worker based in Indonesia. The subject line of the email says, “OFW Loaning.” As you can see, he was planning to apply for a Housing Loan with Pag-IBIG Fund. Why not? That’s one of the benefits afforded to every Pag-IBIG Member and you should avail that one too.

If you are an OFW, please read carefully the entire content of this article as you may gather some bits of important information that is particularly applicable to your situation.

Here’s what the letter says in part:

“I am working here in Jakarta for 3 years now making my contribution for Pag-ibig stagnant for 3 years as well. I have three questions: Is it still okay to continue Pag-ibig rather than opt for POP which is specialized for OFWs? If yes, can I pay every 6 or 12 months since I go home once to twice a year to the Philippines anyway? Apart from not giving my contributions for 3 years, can I still presently use my existing contributions which I had with my former employer to loan for housing to date?”

In the succeeding paragraphs, we try to dissect some parts of the letter to address the questions that he raised. We present here our original reply, which was really just a very short and quick. In addition, we also elaborated more on the issue for the benefit of the other website visitors, most especially the Overseas Filipinos.

Question #1 : Is it still okay to continue Pag-ibig rather than opt for POP which is specialized for OFWs?

pag-ibig housing loan philippinesAnswer to Q#1: The Pag-IBIG Overseas Program (POP) has already been stalled and replaced with the regular Pag-IBIG Membership which is sometimes referred to as Pag-IBIG I. So, if you have not been a member of POP, that’s okay. You can simply continue with your former Pag-IBIG I Membership.

More Detailed Answer: Yes it’s true that since the Pag-IBIG Law of 2009 took effect, all OFWs are already required to become members of the Pag-IBIG Fund. For those who have returned to the country and have visited the office of the POEA before going back to work again abroad experienced this already. Just to make it clear, this is Pag-IBIG I, or the regular Pag-IBIG membership.

The Pag-IBIG Overseas Program was not at all abandoned. It’s just that, Pag-IBIG is not accepting new enrolees to the program anymore. But for those who are already contributors, you can do so until that reaches its maturity period and then be ready to cash out all your contributions.

(See also: The Home Development Mutual Fund Law of 2009 )

Question #2: If yes, can I pay every 6 or 12 months since I go home once to twice a year to the Philippines anyway?

Answer to Q#2: Yes you can do that — meaning make advanced payments.

A Better Way To Do It: Have someone whom you can trust with your money pay for your contribution over the counter at the Pag-IBIG Branch of your choice on a monthly basis. Or, you may also issue a set of post dated checks.

(See also: 5 Ways To Pay The Pag-IBIG Fund.)

Question #3: Apart from not giving my contributions for 3 years, can I still presently use my existing contributions which I had with my former employer to loan for housing to date?

Answer to Q#3: Please be aware that you need to be an actively contributing member to qualify for a housing loan.

Related Answer: Your past contributions will certainly count in terms of establishing your track record with the Pag-IBIG Fund. But remember, it’s not just the contributions that will ensure your loan approval. The most important factor really is your capacity to pay.

( See also: Your Income and Your Loan Entitlement)

~~~

“Subject: OFW Loaning” is written and by Carlos Velasco as an elaborated answer to a letter sent by an OFW Member.

Filed Under: Pag-IBIG Fund QA, Pag-IBIG Overseas Program Tagged With: Benefits, Contributions, Housing Loan, OFW Program, Pag-IBIG Fund Law

Long Term Mortgage Loan — How To Retire It Early, Part 2 of 2

by Pag-IBIG Financing Admin

In Part 1 of this series, you’ve learned that long term home financing could be very expensive in the long run while at the same time it also makes an expensive property look more affordable on a monthly basis.

For many, getting a home loan is the only way to ever achieve their dreams of owning a home.

However, for those who are into real estate investing and know what they are doing, a long term loan could just be another form of leverage that should be taken advantage of.

As pointed out in the previous series, here we’ll touch on the factors to consider when retiring a long term housing loan earlier than its maturity period such that it becomes advantageous on your part as a borrower or investor. Each one of those factors is cited elaborated in the succeeding paragraphs.

Factor #1: Second Property Investment

In one of our conversations, I mentioned to a friend how lucky he was for inheriting a nice home from his parents. It turns out that each one of his siblings (there are four of them) also inherited a property in another place in the same city. He said he was very thankful to his father for all of these. When his father was still younger, he planned about investing exactly four properties and intended to give them to his children. I was really laughing when he said his father made sure these properties are located in the North-, South-, East- and Western parts of the city!

Did you know that Pag-IBIG allows you to have up to two housing loans? Of course, you have to do it one at a time. In other words, you can take on another housing loan provided your previous loan is already paid off completely. And for the second and third housing loan, you still have to undergo the qualification process just like you did when you got your first housing loan.

Is this something you have thought about already?

Ask yourself, “Am I willing to pay off this loan to get another property?”

Factor #2: Liquidity

real estate liquidityDo you know someone whose hobby involves collecting some stuff? You know…old coins, postage stamps, vintage cars, and others.

I’ve met someone whom a lot of brokers would consider a real estate investor. And his hobby? Collecting vacant real estate properties!

Now if you would want to be in this kind of hobby, I would suggest that you get to know what you are getting into. Always have an exit plan in place, just in case something wrong happens that you can’t take it anymore.

The funny thing about real estate brokers is that they are selling properties which they themselves would not even invest. The common reason they say is that a real estate is a dead investment! (Now you know.)

Is there such a thing as a dead investment?

Let me explain it this way: Suppose you have purchased a property a year ago and then suddenly something happened that puts you in an awkward position to want some money – very, very badly. And then you think, one of the ways to raise that amount of money you needed is to sell a piece of real estate that you own. Finally, here’s the catch: “How can you sell the property at the price that you wanted without incurring a loss?”

In an emergency sale, the seller is usually willing to negotiate down the price in exchange for the much more liquid equivalent: CASH.

A dead investment is really just a fancy word for an investment in illiquid asset, such as real estate. It could also mean an investment that does not generate a passive income to the owner.

Ask yourself, “Do I have enough cash in reserve such that I won’t resort to selling my real estate at a loss when an emergency happens?”

Factor #3: Savings

When you retire a loan earlier, you most likely need to you slash your cash reserve to do that. Now that money in some way of another could be earning an interest. Once you use it to pay off the remaining loan balance, you also kill the chance for it to earn the intended interest.

When paying off your loan early, see to it that the money you use to pay off the remaining balance is earning much lower than the interest rate of your mortgage.

Say you have P 700k loan balance and you have that much cash in reserve. Now, compare the interest it will earn if you invest that money versus the interest rate of the loan. If that money is earning you 15% annually — a good rate, by the way – and your mortgage is currently at 10.5% per annum, you are better off not paying the whole balance yet.

However, if your money is giving you a mere 2.5% per annum, plus some more headaches here and there, it would be wise to use that money to pay off your loan balance.

Ask yourself, “How does the interest rate of my mortgage compare with my interest if I would invest the money I’m planning to pay it off with?”

~~~

“Long Term Mortgage Loan — How To Retire It Early”
is written by Carlos Velasco. This is the second part of a two-part series. Read the first part here.

Filed Under: Housing Loans, Real Estate Finance, Tips and Traps Tagged With: Amortization, Housing Loan, Liquidity, Long Term Financing, Mortgage Loan, Savings

Pag-IBIG Real Estate For Sale, August 2011

by Pag-IBIG Financing Admin

Better late than never.

We are supposed to postpone this for next month, but then we thought some visitors may be waiting for an updated list of properties for sale or assume from other site visitors. That’s why we have to put this thing up for everyone to see.

For the month of August, we have decided to feature the following two properties from Cavite (house and lot) and from Quezon City (condo unit).

If you are looking to buy a property in any of these places, please check this out.

Note: You too call sell any property that can be financed by Pag-IBIG Housing Loan. Whether that property is yours or that of your friend, you can post it here FREE of charge. For details, please visit the Pag-IBIG Marketplace Section of this website.

Property #1: House For Sale in Tierra Nevada, Cavite

Contact Person: Faye Bautista; Email : bautistafy@gmail.com
Location: TIERRA NEVADA CAVITE
Selling Price: P 1,350,000

front view of the house

Property Description / Specifications

Rooms: 2BR, 1TB
Lot area: 90 sqm
Floor Area: original – 58 sqm, but with extension (kitchen, laundry area, terrace) approx 15-20 sqm

Cavite House for sale

  • laminated flooring on 2nd flr, granite tiles on 1st flr
  • screen doors and windows
  • built-in customized clothes cabinet (master’s bedroom) and shoe rack (under the stairs)
  • kitchen cabinet, dual sink
  • varnished stairs
  • curtain holders
  • cemented car garage
  • walkway from fence to main door
  • concrete and steel fence
  • simple landscape with bermuda grass
  • pleasant community, wide roads, abundant trees, pollution-free
  • near SM Dasmarinas, Robinson’s Place, Waltermart, and other malls, schools, hospitals, EPZA, FCIE
  • with shortcut going to Imus/Malagasang via Open Canal

Address is General Trias, Cavite but easily accessible to Dasmarinas and Imus

Complete amenities, including mini-clubhouse with swimming pool, basketball courts in each phase and park. Perimeter fence, guardhouse well-maintained, well-loved! occupied by the owner.

Clean title, taxes paid until 2014!

Price is negotiable (depending on payment terms)

Since I am residing in the house, it has been well-maintained. I really love the house but I need to transfer to Bacoor because my parents live there.

Note that phase 6C which Camella sells now, same specs, is 1.4M, but lot area is only 70 sqm (unlike mine which is 90sqm), and these are bare types, without any improvement or extension, without tiles, screen doors and windows, built in cabinets, etc…

the living room

SERIOUS BUYER ONLY! Please text/call me (Faye Bautista) 09166443298 or email at
bautistafy@gmail.com

Property #2: Condo Unit For Assume at El Pueblo Condormitel Quezon City

Contact Person: Angelo S. Tejano; Email Address: cpttejanomd@gmail.com

Reason for Selling: I’m relocating in Davao. This is cheaper as compared to the prevailing market value…

Location: Kingspoint Subdiv, Quezon City, 15 min from Trinoma and SM
Selling Price: 350K

Condo Property Description / Specifications

  • Studio Type Condo Unit, 16 sqm floor area
  • Fully Furnished with appliances: TV, Aircon,Ref, stove

Amenities

  • Grand Central Promenade
  • Salt Water Swimming Pool
  • Day Care Center
  • Social and Function Hall
  • Jogging Path
  • Visitor’s Lobby
  • Guest Room
  • Office Spaces
  • Doctor’s & Dental Clinics
  • Mini Park
  • Commercial Spaces
  • Roofdeck Vegetable Garden
  • Rood Deck Caged Laundry Area
  • Organic Landscaping

El Pueblo Condormitel Quezon City or EPQC is not just a home but an upliftment in the standards of living, measured in terms of clean, economical unit structures, well-maintained facilities and landscaped open spaces. The El Pueblo Condormitel concept is a fusion of a condo, a dormitory and a hotel. El Pueblo One Quezon City is located inside Kingspoint Subdivision near Mindanao Avenue. All El Pueblo Condormitel Q.C units are fully furnished with appliances. El Pueblo’s concept was based on three major philosophies: Respect for nature, Lifestyle Integration and Understanding of Human needs, which when put together will result in Quality of Life. El Pueblo Condormitel Quezon City is not just a home, but an environmentally sound upliftment in the standards of living of the urban work force.

For Inquiries, please send an email to Angelo S. Tejano at cpttejanomd@gmail.com

Filed Under: Featured Project / Property Tagged With: Cavite, Condo, For Sale, House and Lot, Quezon City

Long Term Mortgage Loan — How To Retire It Early, Part 1 of 2

by Pag-IBIG Financing Admin

Some of you may have already thought about, or even calculated, the real cost of getting a mortgage loan to finance your home purchase. If you did, that’s a good sign that you are savvy when it comes to your money. Keep that good habit alive.

The calculation is actually very simple and straight-forward. All you have to do is multiply the amount of monthly amortization by the total number of months – say, by 360 for a 30-year loan term – and that’s it. It’s no brainer, actually.

However, if you want to find out the total amount of money that goes to paying the interest, you need to use the Online Calculator which you can find at the Right Panel of this website or by following this link. With the help of that calculator, it’s easier to figure out how much of you payment is being swallowed by the interest payments.

(See also: Mortgage Loan Calculator.)

Long Term Home Financing and Its Effects

Did you notice that a long term loan of 20 to 30 years could literally cost three times, or even more, than the original amount that you borrowed? That is, if you borrowed P 1M and plan to pay it off in 30 years at 10% per annum interest rate, it will actually cost you roughly P 3M in combined interest and principal payments alone!

pag-ibig long term housing loanFor some people, that is enough to spin their heads around and decide against ever using a long term loan. One site visitor was thinking along this line and left a comment this way:

“wow! now I see it’s better to buy a property in cash than finance through PAG-IBIG. The interest almost exceed the principal, you can even buy another house with that interest!”

Do you agree?

Well, actually he was right about the enormous amount of money at stake in the long term. But, let’s get real and think along this line:

“At your current level of income and lifestyle, how many years do you think it will take you to raise the amount of money equivalent to the selling price of the house that you wanted to buy?”

Let’s put a real figure this time, “How many years will it take you to save P 2M?” I’m assuming you are eyeing a house with a P 2M price tag. When answering that, you should consider the following:

  • Your Income. Or your combined income if you are married
  • Your Lifestyle. Is it high- or low-maintenance?
  • Your Priorities. Make a list: your wedding, advanced education, job placement fee, etc – anything that costs money and that is important to you.
  • Your Foundation. Think: the people who depended on you for financial support.
  • Your Debts. Don’t ever forget this part before taking on another debt, your house.

How many years, then?

  • 1 year? This is not impossible at all. But for most Filipinos, no matter how hard they work, are just not on that level yet.
  • 3 years? Congratulations! You probably should aim for a higher priced home.
  • 5 years? Congrats even more! Have you ever heard of the term inflation? Well, that’s a nasty word which means that the P 2M house you originally thought about buying should have already increased in price by that time.
  • 10 years? Sigh… finally! But hey, are you still motivated about buying a home after the long wait?

You may want to disagree here, but if we get REALLY real, the sad answer to that question is FOREVER. Many people will reach their prime age without ever accumulating that amount in liquid asset – that is, in cold CASH. Hard to believe? Well, if the dead could only speak, they would all nod their heads in agreement. 🙂

Long Term Home Financing — The Beauty And The Beast, 2-In-1

The beauty of long term home financing is that it makes a financially-out-of-reach real estate appear light on the budget on a month-by-month basis.

Recently, I came across a real estate ad that says something like, “Own a home. Only 249 per day!”

That’s a brilliant Marketing Strategy and I bet it works. Thanks to Long Term Home Financing, owing a home gets even more affordable. That is, if you have the discipline to say goodbye to Starbucks.

But of course, a long term loan doesn’t always mean you have to pay off the loan to its last payment schedule. You can always retire it earlier than that. There are advantages and disadvantages in doing so.

In part two of this series, we’ll touch on the reasons for retiring your loan earlier than its maximum term. Plus, some tips on how to do it.

UPDATE: The second part of this article was already posted. Please check it now.

~~~

“Long Term Mortgage Loan — How To Retire It Early” is written by Carlos Velasco. This is part one of a two-part series.

Filed Under: Housing Loans, Real Estate Finance, Tips and Traps Tagged With: Amortization, Housing Loan, Long Term Financing, Mortgage Loan

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