The Big Move

Authored by Rickey Combs When I saw special prices on Oncor Electric online I jumped on it – we’ve been working on saving money around the house for a while now. When we bought this place it was far more of a money pit than either of us thought, to be honest, and we’ve been working hard to make it what we wanted it to be since day one. I bought paint and made the rooms more cozy and my husband’s been looking into furniture online during his breaks at work. We even had a guy come in and build on a custom back deck which made it feel more like our house than anything else. I don’t know where this place is going to end up but we’ve really made some great progress when it comes to making it our own. I can’t believe it’s going to be done soon but you know, your house is never really done. There’s always something you can change or improve just around the corner!

Looking for A House and Lot Thru Pag ibig?

What is your preferences? How much is your budget? These are the regular questions an agent will ask if you are inquiring about house and lot. Yes, so that they can find you a perfect home that fits your preferences and your budget as well.Looking for a house is not that easy. You have to think of your budget first. And the easiest way of availing a house is thru pag ibig. Pag ibig housing is affordable. Most of the Overseas Filipino Workers and Local employees are availing thru Pag Ibig. Let me give you some projects I know that can be avail thru pag ibig:

Project Name: Las Palmas
Location : Caypombo, Sta. Maria, Bulacan
House Models : Two storey Town house : ANAHAW 26, ANAHAW 38, and ANAHAW 48
Price Range: Php 670,000 - 909,000

Anahaw 28 (Bare Type), Anahaw 38(1 bedroom) and Anahaw 48 (2 bedrooms)

Project Name : On Lancaster Lane
Location : Alapan, Imus, Cavite
House Models : The Villas, The Manor
Price Range: Php 550,000 - 850,000

The Villas
Bungalow/Rowhouse
Min. Lot Area 43 sqm / Floor Area 23 sqm

The Manor
Two Storey Townhouse
Min. Lot Area 40 sqm / Floor Area 40 sqm

For more info please visit http://jganlising.sulit.com.ph or send queries at jganlising@yahoo.com

Avail Property Thru Pag Ibig

Are you a Pag Ibig member? Most of the buyers wants to use their Pag Ibig loans. But even you're a Pag Ibig member, you can't easily just file your loan and have your house loan instantly. Of course you have to go on process and you have to comply with the requirements. Here are the requirements you need to submit:

1. Photocopy of Income Tax Return(ITR if locally employed)
2. Cerificate of Employment and Compensation(original, sealed and notarized)- consularized if OFW
3. Latest 3 months payslip
4. Valid Government IDs(photocopy of passport, PRC license, driver's license, SSS ID and etc.)
5. 1x1 ID pictures
6. Photocopy of Birth Certificate, if single
Photocopy of Marriage Certificate, if married
7. Proof of Billing Address(like meralco, PLDT and etc)
8. Photocopy of Company Valid ID
9. MSVS(couselling) slip
10. TIn Number
11. Photocopy of Job Contract(notarized and consularized) - if OFW
12. Special Power of Attorney(SPA) - notarized and consularized -if OFW
13. Photocopy of POP Book -if OFW

Make sure you complete all these requirements to be able to process your loan application and have it approved by Pag Ibig.

Windsor Mansions - NEW CASTLE HOUSE MODEL

NEW CASTLE House Model

House Features:

• Floor Area: 110 sq. m.
• Typical Lot Area: 120 sq. m.
• Three (3) Storey
• Four (4) Bedrooms
• Three (3) Toilet & Bath
• Living Area
• Dining Area
• Kitchen Area
• Service/Laundry Area
• Balcony Area
• Provision for Four (4) Car Garage

House Finishes:

• Concrete Roof Tiles
• Painted Exterior and Interior Walls
• Tiled Toilet & Bath
• Tiled Kitchen Counter with
• Stainless Kitchen Sink
• Steel Casement Windows

Sample Computation

Option 1: BANK Financing 20% DP

SELLING PRICE (SP)	2,690,000.00
RESERVATION FEE:	30,000.00
DOWNPAYMENT:
20% of SP	538,000.00
Less Reservation Fee	30,000.00
Net Downpayment	508,000.00
Monthly Downpayment:
12 months @ 0%interest	42,333.33
15 months @ 0%interest	33,866.67
AMORTIZATION:
Loanable Amount (80% of SP + 8% Proc fee)	2,367,200.00
Monthly Amortization:
5 Years @ 10.5%P.A.	50,880.36
10 Years @ 10.5% P.A.	31,941.81
15 Years @ 10.5% P.A.	26,167.01

Option 2: INHOUSE Financing 20%DP

SELLING PRICE (SP)	2,690,000.00
RESERVATION FEE:	30,000.00
DOWNPAYMENT:
20% of SP	538,000.00
Add Processing Fee (4.5% of SP)	121,050.00
Less Reservation Fee	30,000.00
Net Downpayment	629,050.00
Monthly Downpayment:
12 months @ 0%interest	52,420.83
15 months @ 0%interest	41,936.67
AMORTIZATION:
Loanable Amount (80% of SP)	2,152,000.00
Monthly Amortization:
5 Years @ 18%P.A.	54,646.66
10 Years @ 21% P.A.	43,025.30

Windsor Mansions - CLAIRE HOUSE MODEL

CLAIRE House Model

House Features:

• Floor Area: 111 sq. m.
• Typical Lot Area: 120 sq. m.
• Two (2) Storey
• Four (4) Bedrooms
• Two (2) Toilet & Bath
• Living Area • Dining Area
• Kitchen Area • Service/Laundry Area
• Provision for Terrace and Lanai
• Provision for 2 car garage
• Provision for front lawn
• Provision for CATV, Telephone and Air-Conditioning Units

House Finishes:

• Pre-painted G.I. Roofing
• Painted Exterior and Interior Walls
• Tiled Toilet & Bath
• Tiled Kitchen Counter with Stainless Kitchen Sink
• Steel Casement Windows
• Ceramic Bathroom Fixtures

SAMPLE COMPUTATION

Option 1: BANK Financing 20% DP

SELLING PRICE (SP)	2,260,000.00
RESERVATION FEE:	20,000.00
DOWNPAYMENT:
20% of SP	452,000.00
Less Reservation Fee	20,000.00
Net Downpayment	432,000.00
Monthly Downpayment:
12 months @ 0%interest	36,000.00
15 months @ 0%interest	28,800.00
AMORTIZATION:
Loanable Amount (80% of SP + 8% Proc fee)	1,988,800.00
Monthly Amortization:
5 Years @ 10.5%P.A.	42,747.07
10 Years @ 10.5% P.A.	26,835.87
15 Years @ 10.5% P.A.	21,984.18

Notes for Bank Financing: All amounts and figures in this form are for sample computation purposes only. Registration Fees, TitleTransfer fees, and documentary stamps expenses are already included in the 8% processing fee added to the loanable amount.

Option 2: INHOUSE Financing 20%DP

SELLING PRICE (SP)	2,260,000.00
RESERVATION FEE:	20,000.00
DOWNPAYMENT:
20% of SP	452,000.00
Add Processing Fee (4.5% of SP)	101,700.00
Less Reservation Fee	20,000.00
Net Downpayment	533,700.00
Monthly Downpayment:
12 months @ 0%interest	44,475.00
15 months @ 0%interest	35,580.00
AMORTIZATION:
Loanable Amount (80% of SP)	1,808,000.00
Monthly Amortization:
5 Years @ 18%P.A.	45,911.32
10 Years @ 21% P.A.	36,147.65

METROGATE SERIES - Amanda

House Features and Floor Plan

Floor Plans

3 Bedrooms, 1 Toilat and Bath, Living room, Dining, Kitchen, Carport

SAMPLE COMPUTATION HERE

METROGATE SERIES - Alexandra

House Features and Floor Plan

Floor Plans

Gross Floor Area	112 sqm
Min. Lot Area	150 sqm
Ground Floor		Second Floor
Living Room		Master's Bedroom
Dining Room		Bedroom 2
Kitchen/Pantry/Utility		Bedroom 3
Staircase		Master Bedroom T&B
Hallway		Stairways/Staircase
T&B		Common T&B
Maid's Room		Hallway
Porch & Service Area		Balcony
Lanai
EXPANSION (optional area/s – subject to additional fees)
2-Car Garage

Carport Provisions
Parapet slab w/ water proofing (25 sqm.)	-
Parapet slab w/ water proofing and railing (25 sqm.)	-
Roof on trusses, similar to main house (25 sqm.)

SAMPLE COMPUTATION HERE

METROGATE SERIES - Victoria

House Features and Floor Plan

Floor Plans

Gross Floor Area	169.5 sqm
Min. Lot Area	120 sqm
Ground Floor	86.5 sqm	Second Floor	83.0 sqm
Living Room	16.0 sqm	Master's Bedroom	19.7 sqm
Dining Room	10.8 sqm	Bedroom 1	10.9 sqm
Kitchen/Pantry/Utility	8.2 sqm	Bedroom 2	10.9 sqm
Staircase	1.2 sqm	Master's Bedroom T&B	3.2 sqm
Storage	1.2 sqm	Staircase/Stairwell	3.9 sqm
Hallway	2.9 sqm	Common T&B	2.8 sqm
T&B	2.6 sqm	Hallway	3.9 sqm
Maid's Room	5.1 sqm	Balcony	27.7 sqm
Porch & Service Area	5.3 sqm
Lanai	6.2 sqm
Carport	27.0 sqm

Carport Provisions
Parapet slab w/ water proofing (25 sqm.)	-
Parapet slab w/ water proofing and railing (25 sqm.)	-
Roof on trusses, similar to main house (25 sqm.)	-

SAMPLE COMPUTATION HERE

METROGATE SERIES - Serena

House Features and Floor Plan

Floor Plans

Gross Floor Area	132 sqm
Min. Lot Area	150 sqm
Ground Floor	66 sqm	Second Floor	66 sqm
Living Room	14.2 sqm	Master's Bedroom	18.8 sqm
Dining Room	10.5 sqm	Bedroom 1	10.4 sqm
Den	12.5 sqm	Bedroom 2	10.1 sqm
Kitchen/Pantry/Utility	7.8 sqm	Bedroom 3	10.3 sqm
Staircase	0.9 sqm	Master's Bedroom T&B	4.3 sqm
Hallway	1.3 sqm	Staircase/Stairwell	4.6 sqm
T&B	3.2 sqm	Common T&B	3.0 sqm
Maid's Room	3.6 sqm	Hallway	4.5 sqm
Porch & Service Area	6.0 sqm
Lanai	6.0 sqm
Juliana Expansion **optional area (subject to additional fees)
2 - car Garage	25 sqm

Carport Provisions
Parapet slab w/ water proofing (25 sqm.)	-
Parapet slab w/ water proofing and railing (25 sqm.)	-
Roof on trusses, similar to main house (25 sqm.)	-

SAMPLE COMPUTATION HERE

METROGATE SERIES - Katrina

House Features ans Floor Plan

Floor Plans

Gross Floor Area	124.8 sqm
Min. Lot Area	120 sqm
Ground Floor	61 sqm	Second Floor	63.8 sqm
Living Room	18.2 sqm	Master's Bedroom	14.2 sqm
Dining Room	12.0 sqm	Bedroom 1	10.4 sqm
Kitchen/Pantry/Utility	9.8 sqm	Bedroom 2	10.8 sqm
Staircase	1.2 sqm	Master's Bedroom T&B	4.4 sqm
Hallway	1.3 sqm	Staircase/Stairwell	5.3 sqm
T&B	3.1 sqm	Common T&B	3.1 sqm
Maid's Room	4.4 sqm	Hallway	2.8 sqm
Porch & Service Area	3.6 sqm	Balcony	12.8 sqm
Lanai	7.4 sqm
Juliana Expansion **optional area (subject to additional fees)
2 - car Garage	25 sqm

Carport Provisions
Parapet slab w/ water proofing (25 sqm.)	-
Parapet slab w/ water proofing and railing (25 sqm.)	-
Roof on trusses, similar to main house (25 sqm.)

SAMPLE COMPUTATION HERE