CARMONA ESTATES - Affordable House and Lot Accessible from Makati

CARMONA ESTATES - Affordable House and Lot Accessible from Makati from AFFORDABLE & QUALITY HOUSE & LOT IN CAVITE - CARMONA ESTATES

By: AFFORDABLE & QUALITY HOUSE & LOT IN CAVITE - CARMONA ESTATES  05/08/2010
Keywords: Quality, Makati, Cavite

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 affordable house model namely CYPRESS, PINES, and OAKWOOD which is designed with the modern family in mind as it combines form and function with a spacious lay-out and tasteful finish. At Carmona, 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 accessible to schools, hospitals, and business establishments in the nearby towns of Laguna. Definitely accessible 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.

OAKWOOD HOUSE MODEL
Brgy. Lantic Carmona, Cavite
30 minutes drive from Makati via SLEX near Splash Island

104sqm (1,118.87sq ft) Floor Area 88sqm (946.74s ft) Lot Area

1 Bedroom / 1 Toilet & Bath Downstairs

3 Bedroom / 1 Toilet & Bath/Wide Balcony Upstairs

Balcony is Attached to the Next House

House is Attached Only to Next House at the Back

Low Monthly Amortization of P14,276.83 thru Bank Financing 20yrs @10.5%

DIMENSIONS:

- Dining / Living Area 34sqm (366sq ft)
- Ground Floor / 2nd Floor Bedroom 9sqm (96.8sq ft)
- Restroom 2.6sqm (28sq ft)
- Kid’s Bedroom 6.6sqm (71 sq ft)
- Master’s Bedroom 13.4sqm (140sq ft)

House Features:
• 4 Bedrooms
• Living Room
• Kitchen
• Dining Room
• 2 Toilets and Baths
• Terrace and Lanai
• Laundry / Service Area
• Provision for 2 Car Garage
• Provision for Front Lawn
• Provision for CATV, Telephone and Air-Conditioning Unit

House Finishes:
• Pre-Painted G.I. Roofing
• Tiled Kitchen Counter with Stainless Steel Kitchen Sink
• Tiled Toilet and Bath
• Ceramic Bathroom Fixtures
• Interior and Exterior Wall Paint Finish

Sample Computations:
Option 1: BANK FINANCING:(Inner Lot)
• Total Selling Price = P1,625,000
• 20% Down payment = 325,000
• Less: Reservation = 20,000
• Net Downpayment = 305,000
• Payable in 15mo. = 20,333.33
• Loanable Amount = 1,300,000
• Add: Legal and Misc. Fees = 130,000
• Total Loanable Amount = 1,430,000

Monthly Amortization @10.5% Interest (Bank Financing):
• 5yrs. = 30,736.28
• 10yrs. = 19,295.71
• 15yrs. = 15,807.20
• 20yrs. = 14,276.83

NOTE:
• Fire and MRI insurance not included.
• Move-in on the 19th to 21st month or after paying downpayment
• Processing Fees includes Transfer of Title.
• Interest rate is reference only.
• Prevailing interest rate will apply upon loan takeout.
• Bank terms for OFW is 15 yrs while locally employed has up to 25 yrs.
• Developer will process loan. Tied up with Metrobank and UCPB.
• Bank maximum approved amount will depend on salary & age (loan maturity is 55 yrs.)

Option 2: IN-HOUSE FINANCING:
• Selling Price = P 1,625,000
• Down payment (20%) = 325,000
• Processing Fee (4.5%) = 73,125
• Total Down payment = 398,125
• Less: Reservation Fee = 20,000
• Net Equity = 378,125
• Payable in 18 months = 25,208.33

Total Remaining Balance: Payable Through In-House Financing
80% Balance = P1,300,000

Amortization Including Insurance Fees
Years to Pay:
• Five (5) years @ 18% = 33,011.45
• Ten (10) years @ 21% = 25,991.11

NOTE:
• Fire & MRI insurance not included. Estimated at .0005% of loanable amount.
• Transfer of Title cost not included.
• Processing fees includes One year Advance Real Property Tax & Insurances.
• Advance Homeowners Dues and Documentation/Notarial Fees.
• In-house processing will be processed by the Developer. Buyer just need to submit requirements.

Option 3: CASH PAYMENT SCHEME
(Legal & Miscellaneous Fees and Reservation Fee not included in the computation of the discount)
PRICE STARTS AT PHP 1,625,000.00 AND UP
• Typical Selling Price = Php 1,625,000.00
• Less: Reservation Fee = 20,000.00
• Selling Price Net of Reservation Fee = Php 1,605,000.00
• 10% Discount within 7 days<
• from the date of reservation = Php 1,444,500.00
• 9.5% Discount within 8 to 30 days
• from the date of reservation = Php 1,452,525.00
• 9% Discount within 31 to 60 days
• from the date of reservation = Php 1,460,550.00
• 8.5% Discount within 61 to 90 days
• from the date of reservation = Php 1,476,600.00

Pines Townhouse Model
Pinecrest Village @ Carmona Estates
Barangay Lantic, Carmona Cavite

60sqm Floor Area 50sqm Lot Area
1 Bedroom / 1 Toilet & Bath Downstairs
2 Bedroom / 1 Toilet & Bath/Terrace Upstairs
Pag-Ibig, Bank, and In-House Financing are Accepted
Small Family’s Starting-Out Ideal Place
Only P10,000 to reserve for a unit.
Low Monthly Amortization of P9,165.31/mo. thru Pag-Ibig Financing 30yrs @9.5%

House Features:
* Floor Area: 60 sq. m.
* Lot Area: 50 sq. m.
* Three (3) Bedrooms
* 2 Toilet and Bath
* Living Area
* Dining Area
* Kitchen Area
* Laundry / Service Area
* Provision for 1 Carport
* Provision for Front Lawn
* Provision for CATV,
* Telephone and Air-conditioning Unit

House Finishes:
* Pre-painted Long Span Roofing
* Interior and Exterior Wall Paint Finish
* Tiled Kitchen Counter with Stainless Kitchen Sink
* Tiled Toilet and Bath
* Ceramic Bathroom Fixtures

Sample Computations
Option 1: PAG-IBIG FINANCING:


Price Range: P1,060,000.00 to P1,150,000.00
Selling Price = Php 1,090,000.00
Add: Processing Fee = Php 130,800.00
Total Contract Price = Php 1,220,800.00
Less: Loanable Amount to Pag-ibig = Php 1,090,000.00
Required Equity = Php 130,800.00
Less: Reservation Fee = Php 10,000.00
Net Equity = Php 120,800.00
Monthly Equity for 12 months = Php 10,066.67

Monthly PAG-IBIG Amortization:
30 yrs @ 9.5% = Php 9,165.31
25 yrs @ 9.5% = Php 9,523.29
20 yrs @ 9.5% = Php 10,160.23
15 yrs @ 9.5% = Php 11,382.05
10 yrs @ 9.5% = Php 14,104.33
5 yrs @ 9.5% = Php 22,892.03

NOTE:
• MRI and FIRE Insurance are Not yet included.
• Maximum of 12 months downpayment term for Pag-ibig financing.
• Maximum terms of loan varies depending on Buyer’s age.
• Loan must be paid before Buyer reaches 70 yrs. old.
• Processing Fees includes Transfer of Title, Advance One Year Fire/MRI insurance,
• one year advance property tax and other blueprints.

Option 2: BANK FINANCING:
Selling Price = Php 1,090,000.00
20% Down Payment = Php 218,000.00
Less: Reservation = Php 10,000.00
Net Down Payment = Php 208,000.00
Payable in 12mo. = Php 13,866.67
Loanable Amount = Php 872,000.00
Add: Legal and Misc. Fees = Php 87,200.00
Total Loanable Amount = Php 959,200.00

Monthly Amortization @10.5% Interest (Bank Financing):
20 yrs. = Php 9,576.46
15 yrs. = Php 10,602.99
10 yrs. = Php 12,942.97
05 yrs. = Php 20,616.95

NOTE:
• Fire and MRI insurance are Not yet included.
• Move-in on the 13th to 15th month or after paying downpayment
• Processing Fees includes Transfer of Title.
• Interest rate is reference only.
• Prevailing interest rate will apply upon loan takeout.
• Bank terms for OFW and locally employed is 20 yrs.
• Developer will process loan. Tied up with Metrobank and UCPB.
• Bank maximum approved amount will depend on salary & age (loan maturity is 65 yrs. old)

Option 3: In-House Financing (Inner Unit)
Selling Price = Php 1,090,000.00
Down Payment = Php 218,000.00
ADD: Legal and Misc. Fees = Php 49,050.00
Total Down Payment = Php 267,050.00
LESS: Reservation = Php 10,000.00
Net Down Payment = Php 257,050.00
Payable in 12 months = Php 21,420.83
Total Remaining Balance = Php 872,000.00

• Amortization Excluding Insurance Fees:
10yrs. = Php 17,434.04
5yrs. = Php 22,143.07

NOTE:
• Fire & MRI insurance not included. Estimated at .0005% of loanable amount.
• Transfer of Title cost not included.
• Processing fees includes One year Advance Real Property Tax & Insurances,
• Advance Homeowners Dues and Documentation/Notarial Fees.
• In-house processing will be processed by the Developer. Buyer just need to submit requirements

Cypress House Model
Cedar Village at Carmona Estates
Barangay Lantic, Carmona Cavite


20 sqm Floor Area Ground Flr / 20sqm Floor Area 2nd Flr / 40sqm Lot Area
1 Bedroom / Car Garage - Ground Floor
2 Bedroom / 1 Toilet & Bath - Second Floor
Can be availed thru Pag-Ibig or Cash Payment only.
Price starts at P740,000.00 up

ABSOLUTELY NO DOWNPAYMENT
LOW Php 7,500 RESERVATION FEE

Php 6,875 / month Equity for 12 Month
4,989 / month Pag-ibig Amortization for 30 years

PRE-SELLING NOW
RESERVE YOUR SLOTS NOW...
FIRST COME FIRST SERVE

House Features:
* Floor Area: 40 sq. m.
* Lot Area: 40 sq. m.
* Complete Two (2) Storey Townhouse
* Three (3) Bedrooms with Partition
* One (1) Toilet and Bath
* Living Area
* Dining Area
* Kitchen Area
* Provision for One (1) Car Garage


House Finishes:
* Pre-painted long span Roofing
* Painted Exterior and Interior Walls
* Water Closet
* Tiled Kitchen Counter
* Tiled Bathroom Flooring
* Floor Cement Finish
* Steel Casement Windows
* Pre-Cast Panel System

Sample computations:

Option 1: Through PAG-IBIG
(Inner Unit)
Selling Price................................................ Php750,000.00
Add: Processing Fee.................................... 90,000.00
Total Contract Price..................................... 840,000.00
Less: Loanable Amount to Pag-ibig............... 750,000.00
Required Equity............................................90,000.00
Less Reservation Fee...................................7,500.00
Net Equity................................................... 82,500.00
Monthly Equity for 12 month......................... 6,875.00
Balance Loanable to Pag-ibig........................ 750,000.00

Monthly PAG-IBIG Amortization:
5 yrs @ 7%......................................... 14,850.82
10 yrs @ 7%........................................ 8,708.10
15 yrs @ 7%........................................ 6,741.15
20 yrs @ 7%........................................ 5,814.67
25 yrs @ 7%........................................ 5,300.77
30 yrs @ 7%......................................... 4,989.75

NOTE:
• The Cypress is strictly PAGIBIG Financing and CASH Payment only. Bank and In-house Financing are not accepted.
• MRI and FIRE insurance not yet included.
• Move-in after 12 months or payment of equity.
• Maximum terms of loan varies depending Buyer's age.
• Loan must be paid before Buyer reaches 65 yrs. old.
• Processing Fees includes Transfer of Title, Advance One Year Fire/MRI insurance, one year advance property tax and other
blueprints.


Option 2: CASH PAYMENT Scheme
(INNER LOT)
(Legal & Miscellaneous Fees and Reservation Fee not included in the computation of the discount)

Typical Selling Price ................................ Php 750,000.00
Less: Reservation Fee ............................. Php 7,500.00
Selling Price Net of Reservation Fee ......... Php 742,500.00
10% Discount within 7 day
from the date of reservation ...................... Php 668,250.00
9.5% Discount within 8 to 30 days
from the date of reservation ...................... Php 671,962.50
9% Discount within 31 to 60 days
from the date of reservation ...................... Php 675,675.00
8.5% Discount within 61 to 90 days
from the date of reservation ...................... Php 679,387.50


WHY RENT? BUILD YOUR DREAMS AT YOUR OWN HOME NOW!

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+63922 853 3207 / +63927 644 6706
(+632) 400 2229
Email or YM: [email protected]


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Keywords: Cavite, House And Lot, Makati, Quality

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