Middle class and High End Subdivision

MIDDLE CLASS

 Villa Señorita 

Ma-a, Davao City

Fronting GAP Farm

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Aspen Heights

Communal, Buhangin, Davao City

Before D'Leonor Inland Resort

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Celerina Heights

Communal, Buhangin, Davao City

Before D'Leonor Inland Resort

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Ilumina Estate

Cabantian, Buhangin, Davao City

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La Vista Monte

Balusong, Matina, Davao City

Diversion Road Near Forest Hill Resort

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" Helping You to find the property of Your dreams"

FOR RESERVATION

Call or text NOW!

09235715347

Gabriel

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ILLUMINA ESTATES

Ilumina Estates is a midlle class subdivision being develop by Santos Land Development Corporation located at Brgy. Communal, Buhangin, Davao City. Its just a 5 minutes away to Davao International Airport, . Subdivision features : clubhouse, basketball court, and children’s playground. A few minutes away from D’Leonor Inland Resort,  Jose Maria College, SM Lanang Premiere and Abreeza Mall. A total Area of 7.8476 hectares. 

SUBDIVISION FEATURES AND AMENITIES

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THE HOUSES

2-storey

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the bungalow

Price List and Specification

updated: april 2015

2 STOREY

MH#66
Lot Area:  241 sq.m

Floor Area: 135.08 sq.m

Package Price:   7,469,000.00

Reservation Fee:   50,000.00

Equity : P 116,600.00 per month for 6 months

Estimated Monthly Amortization: P 60,638.55 per month for 15 years

MH#60
Lot Area:  204 sq.m

Floor Area: 135.08 sq.m

Package Price:  7,124,000.00

Reservation Fee:  50,000.00

Equity :    110,400.00 per month for 6 months

Estimated Monthly Amortization:   57,629.27 per month for 15 years

MH#67
Lot Area:  203 sq.m

Floor Area:  135.08 sq.m

Package Price:  7,120,000.00

Loanable Amount:   6,408,000

Reservation Fee:   50,000.00

Equity :    110,333.33 per month for 6 months

Estimated Monthly Amortization:   57,529.55 per month for 15 years

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Bungalow Type

Block 3,Lot 5
MH#61,62,64
Floor Area:  73.50 sq.m

Lot Area:   180 sq.m

3-BR 2T&B

Total Package Price :    4,471,000.00

Reservation Fee:    50,000

Equity :      66,183.33 per month for 6 months

Monthly Amortization:   36,167.95 per month for 15 years

MH#65
Blk 4,Lot 26

Lot Area:  204 sq.m

Floor Area: 77.10 sq.m

3-BR 2T&B

Total Package Price::    4,833,000.00

Reservation Fee:   50,000

Equity:       72,216.67 per month for 6 months

Monthly Amortization:  39,096.33 per month for 15 years

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For reservation and FREE Site tour

Please Call/text

09235715347

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AREZZO PLACE - DAVAO

- Arrezo Place Davao is a project development of PHINMA PROPERTIES 
- Located in Dona Pilar , Sasa, Davao City
- 2.6 hectare Modern Italian-inspired condominium lifestyle from the Italian provincial city of   Arezzo in the Tuscan Region.
- Triple-ISO (International Standard Organization) certified developer with certifications      awarded for quality, environment and safety.
- The newest affordable residential condominium
- 5-Storey elevator hallway type
- 1 elevator per building
- 18 units per floor
- 90 units per building 
- 12 medium rise residential building 
- 250 parking slots


SITE DEVELOPMENT PLAN and AMENITIES

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NEARBY LANDMARKS

SCHOOL:

Holy Cross Academy of Sasa

F.Bangoy National High School

Vicentte Hizon Elem.School

BANK:

RCBC

ONE Network Bank

CHURCH:

St Joseph the Worker Parish

SUPERMARKET:

Puregold

GASOLINE STATION:

Phoenix

DRUGSTORE:

Mercury Drug

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FLOOR PLAN AND FEAUTURES

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SAMPLE COMPUTATION:

Floor area: 32.5
Total Selling Price : 1,370,000
Less Reservation Fee: 15,000 
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Balance : 1,355,000
Less Discount : 30,000
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Remaining Price: 1,325,000
10% Downpayment: 132,500
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Equity: 5,520.83 per month for 24 months
90% Loanable Amount : 1,192,500
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Estimated Monthly Amortization: 8,500 per month for 30 years

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 LOCATION MAP

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FOR RESERVATION

CONTACT US: 09235715347

EMAIL: gabserdan@gmail.com

PORTVILLE DAVAO

A Better Home for You.

A LOW COST TOWNHOUSE IN THE CITY

 The first project in Davao of Johndorf Ventures Corporation, Portville Davao is a master-planned residential community near the heart of the city. With its unique modern Asian theme, Portville Davao is meant for value-drivem vibrant and dynamic homeowners, who want to live in communities close to their means and lifestyle.


Location: Sasa, Davao City
Developer: Johndorf Ventures Corporation - a developer of Filipino communities with quality homes for 25 years is now in Davao

2 storey townhouse

Lot Area:     44 sqm
Floor Area: 77 sqm
2 bedrooms , 1 toilet and bath

FEATURES AND AMENITIES:

• LANDSCAPED ENTRANCE
• PERIMETER FENCE
• CLUBHOUSE
• PARK
• BASKETBALL COURT
• STREETLIGHTS
• UNDERGROUND DRAINAGE SYSTEM
• DCWD WATER SYATEM
• DLPC ELECTRIC SYSTEM
• CONCRETE ROADS

SUBDIVISION ENTRANCE

THE CLUBHOUSE

THE FLOOR PLAN

INTERIOR PIX

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VICINITY MAP -BRGY SASA, DAVAO CITY

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THE COMPUTATION

 TOTAL PACKAGE PRICE :         P 1,350,000

RESERVATION FEE:     P 5,000

EQUITY :   P 10,000/month for the first 9 months

P 5,000/mo. for 10th to 20th months

EST. MONTHLY AMORTIZATION:

@ 30 yrs   -----   P 9,042.09

@ 25 yrs   -----   P 9,540.43

  @ 20 yrs   -----   P 10,363.94

  @ 15 yrs   -----   P 11,846.43

  @ 10 yrs   -----   P 14,994.29

  @ 5 yrs     -----   P 24,923.49

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FOR RESERVATION 

CALL/TEXT : 09235715347

EMAIL: gabserdan@yahoo.com

PAG-IBIG HOUSING LOAN VS BANK LOAN

PAG IBIG Housing Loan VS A Bank Loan: A Comprehensive Guide to Home Buying

By imoney . 14 January 2014 . Home Loan

• 76

Having their own house is the ultimate dream of every Filipino family. But the truth is,  most of those who plan to purchase a house do not have a ready cash to pay for it, or even if they have, they would prefer to apply for a loan to complete it.

Saving for your first home purchase may take for a couple of years, and by the time that you are ready for it, the house that you wanted must have long been sold. Or the value of your money can no longer purchase the same quality house you’d always wanted. You might want to consider applying for a housing loan to realize your dream.

When we hear of  a housing loan, the Home Development Mutual Fund or commonly known as PAG IBIG housing loan fund comes first to our mind. We definitely will not miss it because a small amount of our salary is deducted to pay for our monthly contribution. Providing loan to finance our houses is one of the services provided by the institution.

If you are shopping around for the best house to buy, you might want to shop around for housing loan provided by banks too because you might find a better deal. Many of us are a bit intimidated to inquire from banks, we may be thinking of higher interest rate, stricter requirements, or lesser chance that the loan may be approved.

Some home purchasers prefer bank services when it comes to housing loan for a reason or two. And some would prefer PAG IBIG housing loan. Let us compare what each offers on every factor we need to consider arriving at a sound decision.

Qualifications

PAG IBIG	BANKS
Must be a member, and must have 24 monthly contributions to qualify. Members can pay 24 months in a lump sum. Not more than 65 years old No existing multi-purpose loan in arrears No other PAG IBIG housing loan that had been foreclosed, cancelled or bought back	No membership needed, no contributions required, no need to have a savings account Must be Filipino citizen, or have a Visa requirement for foreigners Must have a monthly family income ofPhp 40,000.00 Must have a stable source of income, must have stayed at least 2 years in the current company or have 3 years of profitable operation if running a business or practising profession.

 Loan Purposes

PAG IBIG	BANKS
Can be used to purchase a lot not exceeding 1,000 sq. Meters. Can be used to purchase town house or condominium. Can be used to complete construction. Refinancing.	Can be used to purchase a town house, condominium unit. Can be used to finance housing construction. Can apply for re-financing. Also offer home equity service.

How Much You Can Borrow

PAG IBIG	BANKS
Maximum of Php 6,000,000.00 Subject to other qualifiers like the actual need of the member, capacity to pay.	Some banks offer a minimum of PHP 300,000.00 some offer minimum of PHP 500,000.00.

Loan Appraisal Value Ratio

PAG IBIG	BANKS
Loans not lower than Php 400,000, 100% Loans more than Php 400,000.00, 90%	1. Some banks offer 80% – 90%, some banks offer as low as 70%.

Interest Rates (subject to change)

PAG IBIG	BANKS
6.99% for the first three years, subject to re-pricing up to 11.375% (30 years).	Some banks offer as low as 5.50% for the first year, subject to re-pricing. Some banks offer a fixed rate of 6 – 7.5% for the first 5 years also subject to re-pricing. Due to regular re-pricing, on 20th Year, banks offers an average of 9- 12% interest rate.

Repayment Process

PAG IBIG	BANKS
Maximum of 30 years	5 –  35 years

Requirements

PAG  IBIG

BANKS

Pag Ibig Housing Loan Application Form Membership Status Verification Slip TCT/CCT in the name of the borrower Photocopy of the New Tax Declaration The Collection Servicing Agreement or Post dated checks Proof of billing address  Notarized Loan and Mortgage Agreement Notarized Promissory Note Disclosure Statement on Loan Transaction Occupancy Permit (if applicable) Building Plans (if applicable) Deed of Absolute Sale (if applicable)

Application form Photocopy of government issued ID with photo & signature Marriage contract if applicable Alien Certificate of Registration for foreigners ITR for employees Last 3 months of payslips or Certificate of employment for employees Business Registration Papers for businessmen Financial Statements  for businessmen Bank Statements for businessmen Trade References for businessmen Lease Contracts or copy of Title for businessmen Photocopy of TCT/CCT Building plan with vicinity map Master of Deed of Declaration of Restrictions for condominiums Building plan for construction Bill of materials and Labor Cost Statement of Account for Refinancing

Miscellaneous Fees

PAG IBIG	BANKS
Php 1,000 during loan application Php 2,000 before the release of loan	Appraisal Fee of Php3,500 – Php4,000.00 Handling Fee of Php 5,000.00 Notarial Fee of Php 500 Registration Fee Doc Stamps Tax

Insurance Needed

PAG IBIG	BANKS
The insurance premium will be included in monthly amortization	MRI or Mortgage Redemption Insurance in the case of death before the full payment of the loan Fire Insurance

Processing Time

PAG IBIG	BANKS
15 business days	5 – 7 business days