CARMONA ESTATES OAKWOOD HOUSE MODEL

 

OAKWOOD House – Oaks,CARMONA ESTATES

Barangay Lantic, Carmona Cavite
Floor Area: 104sqm (1,118.8sq ft) | Lot Area: 88sqm (946.7sq ft)
Single Home:4 Bedroom / 2 Toilet and Bath / 2 Carport / Big Balcony

Balcony is Attached to the Next House
House is Attached Only to Next House at the Back
Low Monthly Amortization of P14,174/mo thru Bank Financing 20yrs.
STATUS:
For Construction (16th to 18th month Move-in)
Constructed (DP payable in 4 mos ; 5th to 7th Month Move-In)

 

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• Floor Area: 104 sq. m.
• Lot Area: 88 sq. m.
• Four (4) Bedrooms
• 2 Toilet and Bath
• Living Area
• Kitchen Area
• Dining Area
• Laundry / Service Area
• Provision for 2 Car Garage
• Provision for Front Lawn
• Provision for CATV
• Telephone and Air-conditioning Unit

 

 

• Pre-painted G.I. Roofing
• Painted Exterior and Interior Wall
• Tiled Kitchen Counter with Stainless Sink
• Tiled Toilet and Bath
• Ceramic Bathroom
• 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)

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Dressed-Up Model

Turn Over Photos

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[tab name="Computation"]

 

Sample Computations:

Price Range: P2,500,000  and  Up      Updated Feb 21, 2013

Option 1: BANK FINANCING  (EXTENDED TERM PROMO)

 

 

 

 

 

TERMS	BANK FINANCING	IN-HOUSE FINANCING
	20% DP	24 Months DP
Selling Price	Php 2,507,000.00	Php 2,507,000.00
Add: Legal and Misc. Fees	Php 200,560.00 (8%)	Php 112,815.00 (4.5%)
Total Package Price	Php 2,707,560.00	Php 2,619,815.00
Down payment	Php 541,512.00 (20%)	Php 785,944.50 (30%)
Less: Reservation	Php 20,000.00	Php 20,000.00
Net Down payment	Php 521,512.00	Php 765,944.50
Monthly DP	Php 21,729.67 (24mos)	Php 31,914.35 (24mos)
Loanable Amount	Php 2,166,048.00 (80%)	Php 1,833,870.50 (70%)
Monthly Amortization @ 8% Interest (Prevailing Bank Rates will apply):
20 yrs.	Php 18,117.69
15 yrs.	Php 20,699.88
10 yrs.	Php 26,280.14	Php 36,664.88
05 yrs	Php 43,919.64	Php 46,568.26

NOTE:

• Fire and MRI insurance not yet included.
• Move-in on the 16th to 18th month or after paying Down Payment (RFO units)
• Monthly Amortization payments will start on the 25th Month or a month after the last Down Payment.
• Processing Fees includes Transfer of Title. Transfer of Title cost not included for In-House.
• Interest rate is reference only. Prevailing interest rate will apply upon loan takeout.
• Bank term is up to 20 yrs for locally employed ; 15 yrs for OFW
• Developer will process loan. Homebuyer just need to submit Requirements. Tied up with Metrobank.
• Bank maximum approved amount will depend on salary and age (loan maturity is 65 yrs.for locally employed and 60 yrs for OFW)

Option 2: CASH PAYMENT SCHEME
(Legal & Miscellaneous Fees and Reservation Fee not included in the computation of the discount)
PRICE STARTS AT PHP 2,500,000.00 AND UP

 

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Bank Financing Guidelines (BDO)

• Now, applying for a housing loan is easy and simple.
• As long as you’re working, you’re qualified.We are accredited with BANCO DE ORO (BDO) UNIBANK.
• Developer will process your bank loan. Just submit required documents within 60 days.

General Requirements

• Duly Filled-up Bank Form
• 3 pcs. ID picture (husband/wife/SPA)
• Marriage Contract when applicable
• Photocopy of two (2) Valid IDs (Husband/Wife/SPA)
• Tax Account No. (TIN)
• Proof of Billing

Note:

Bank Forms for borrower signature will be given during reservation.

• OFWs who are unable to personally sign bank loan documents must submit Consularized Special Power of Attorney (SPA) designating their representative (must be a relative up to the 2nd degree of consanguinity or affinity)

Eligibility Requirements

• At least 21 years old but not more than 65 years old upon loan maturity.
• Must have no adverse credit findings with CMAP & NFIS
• NO default in monthly DP payments for 3 consecutive months and/or must not have incurred delays in payments of 5 months or more within the 12-month DP Term.
• Locally employed applicants must submit latest ITR/W2.

Requirement if Locally Employed

• Latest Income Tax Return (ITR)

Note:

The income stated in the Income Tax Return will not be the basis of loan approval. This is just to comply a Central Bank requirement.

Credit Evaluation Process

• Subject only to CMAP/NFIS (Negative File Info System) and
• Personal Data/Residence and Neighborhood checking (PDRN)
• Verification of Income is waived.

Note:

Client must not have legal cases, bad credit card record that result in a legal case or previous bank loan that were not paid.

Downpayment Term

• 12 Months
• 6 Months for RFO Units

Move-in

• 13th month from date of reservation
• 7th month from date of reservation for RFO Units

Maximum Loan Term

• 20 Years, provided borrower’s age does not exceed 65 at loan maturity

Mode of Payment

• The ten percent (10%) DP shall be paid in 12 (or 6 for RFO Units) equal monthly installments through post-dated checks (PDCs) payable to to Property Company of Friends, Inc. (PCFI)
• Monthly loan amortization shall be paid via an Automatic Debit Arrangement (ADA)with BDO. UPon release fo the Letter of Guaranty(LOG) from BDO, the buyer shall be advised to open a savings account with any BDO Branch for this purpose.

Loan Value

• 90% of Total Contract Price
• 88% of Total Contract Price for Alice & Diana House model

Interest Fixing

• 10% P.A. Fixed for 3 Years; Annual re-pricing thereafter

Bank Financing Guidelines (24 Months DP)

• Now, applying for a housing loan is easy and simple.
• As long as you’re working, you’re qualified.
• We are accredited with Metrobank (MBTC) and United Coconut Planters Bank (UCPB).
• Client must decide which Bank to apply during reservation.
• Client is allowed to change financing within 30 days from reservation date.
• Developer will process your bank loan. Just submit required documents within 60 days.

General Requirements

• Duly Filled-up Bank Form
• 3 pcs. ID picture (husband/wife/SPA)
• Marriage Contract when applicable
• Photocopy of two (2) Valid IDs (Husband/Wife/SPA)
• Tax Account No. (TIN)
• Proof of Billing

Note:

Bank Forms for borrower signature will be given during reservation.

Requirement If OFW – Metrobank

• Consularized Special Power of Attorney (SPA) (Bank Form)

Note:

Consularized SPA is a MUST requirement when transferring Certificate of Title to Client’s name.

This is required by the Register of Deeds.

Requirement If OFW – UCPB

• Consularized Special Power of Attorney (SPA).
• Accepted are immediate family members only (UCPB Bank Form)
• No Income Tax Return needed.

Requirement if Locally Employed – Metrobank & UCPB

• Latest Income Tax Return (ITR)

Note:

The income stated in the Income Tax Return will not be the basis of loan approval.

This is just to comply a Central Bank requirement.

Credit Evaluation Process

• Subject only to CMAP/NFIS (Negative File Info System) and
• Personal Data/Residence and Neighborhood checking (PDRN)
• Verification of Income is waived.

Note:

Client must not have legal cases, bad credit card record that result in a legal case or previous bank loan that were not paid.

Eligible Age of Borrower – Metrobank

• 21 yrs old and up

Eligible Age of Borrower – UCPB:

• 18 yrs. old and up but not more than 65 yrs old when loan matures (fully paid)
• If OFW, must not be more than 60 yrs. old when loan matures (fully paid)

Eligible Occupation For OFW

• If Immigrant or Dual Citizen, borrower is required to have a co-borrower (regardless of income), who is an immediate family member residing in the Philippines.
• OFW working in war-torn countries shall not be acceptedCopy of Latest Passport with date of departure and arrival.

Maximum Term

• MBTC: Locally Employed – 25 yrs. / OFW – 15 yrs
• UCPB: Locally Employed and OFW – 20 yrs.

Mode of Payment

• MBTC: Automatic Debit Arrangement from Bank account
• UCPB: Postdated Checks (PDC) or Automatic Debit Arrangement Form

Loan Value

• MBTC: 80% of Total Contract Price
• UCPB: 80% of Total Contract Price. Minimum Amount: 500,000

Interest Fixing

• MBTC: 10 yrs. @ 10.5% (reference only). Amortization is the same for 10 yrs.
• UCPB: 5 yrs. @ 10.25% (reference only). Amortization is the same for 5 yrs.

Note:

After 5 or 10 yrs, loan balance will be recomputated again base on prevailing interest rate.

Requirements for In-House Financing

In House (Initial Requirements)

1. Latest proof of income.
2. 3pcs. recent 1 x 1 I.D. pictures
3. Marriage Contract, Birth Certificate, or Separation papers (if needed)
4. Community Tax Cert. No.
5. Complete post dated check for Equity and Amortization
6. TIN

Additional Requirements for OFW

1. Initial requirements
2. Job Contract
3. Passport
4. Special Power of Attorney (SPA)
5. Valid I.D. of Attorney in Fact
6. 1 pc. I.D. picture of Attorney in Fact
7. Residence Certificate of Attorney in Fact

Self-Employed

1. Initial Requirements
2. Affidavit of Income
3. Business Name and Permit
4. Passbook with 3 months maintaining balance
5. ITR

Antel In-House Financing Requirements

1. Signed Reservation Agreement
2. 1st Monthly Amortization for Down Payment
3. Valid ID – If Married, both Husband and Wife
4. Photocopy of Birth Certificate -Single ; Photocopy of Marriage Contract – Married
5. Tax Identification Number (TIN)
6. Complete Post Dated Checks

 

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Carmona Estates

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 has access to schools, hospitals, and business establishments in the nearby towns of Laguna.

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Landmarks and Other Information

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MALLS:

• 3 Minutes drive to Walter mart Carmona, Cavite
• 15 Minutes drive to SM Dasmarinas, Cavite
• 10 Minutes drive to Alabang Town Center (ATC) and FIESTA MALL (Via SLEX)

BANKS:

• BPI, China Bank, Metro Bank, Allied Bank, BDO, Land Bank, etc

AMENITIES AND FACILITIES:

• Entrance Gate
• Basketball Court
• Clubhouse
• Swimming Pool
• Shuttle Service
• Concrete Road Network
• 24-hour Security
• Electricity provided by Meralco
• Centralized Water System
• Manila Telephone Lines
• Chapel
• 5mins away from Carmona Public Market

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SCHOOLS:

• Perpetual College, (Binan), De La Salle Univ. (Laguna), STI College (Carmona), Colegio San Agustin

 

RESORTS / RESTAURANTS:

• Splash Island, Barrio Fiesta, (Carmona), Southwood Manor, (Golf & hotel restaurant),
• 30-45mins drive to TAGAYTAY

BENEFITS:

• Blending cosmopolitan and suburban living.
• Accessible through the major access road Mayor’s Blvd. and Sugar road.
• Self-contained community with 24-hour security.
• Peaceful community, away from the noise and chaos of traditional urban setting.
• Offers fresh, clean air.
• Shuttle service
• Approximately 30mins from Makati

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Houses

 

Oakwood	Pines Townhouse	Cypress
Single Attached	Townhouse Model	Townhouse Model
4 Bedrooms/2 T & B	3 Bedrooms/2 T & B	3 Bedrooms/1 T & B
FA: 104 sqm	FA: 60 sqm	FA: 40 sqm
LA: 88 sqm	LA: 50 sqm	LA: 40 sqm
Php 1.625M – Up	Php 1M – Up	Php 750,000 – Up

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5 Reasons Why Choose Carmona Estates

1. Location, Location, Location

• Just around 3kms to South Superhighway. Near Carmona Public Market and Walter Mart Carmona.
• Easy to locate. Just exit the toll after seeing Splash Island from South Superhighway.
• All the best schools are there. Dela Salle Canlubang, Collegio de San Agustin, to name a few. In fact a Primary and Secondary School can be found inside the subdivision. Your kid’s don’t even have to go out.
• Situated near Ayala Nuvali. In fact, Dela Salle Canlubang and Laguna Technopark can be seen in the subdivision. A road is being built connecting Carmona Estates to Ayala Nuvali.

2. 24hrs. Security

• Carmona Estates is composed of various villages, namely: Oakwood Village, Pinecrest Village and Amandala Village. There are Security Gate for each Village.
• 2 Main Gates with Security. One connecting to Carmona Public Market. The other connecting to Southwoods. Both has Police checkpoints.

3. Flood Free

• Carmona Estates prides itself to be Flood Free.
• Carmona Estates is located higher than Manila, temperature is cooler.

4. Green Living

• Carmona Estates is surrounded by greens. A few place that’s still close to nature.
• Carmona Estates envigorates your spirit, the environment is truly relaxing.

5. Exclusive Community

• A property owner at Carmona Estates automatically becomes a part of the Homeowner’s Association.

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Transportation

 

From Buendia, Jac Liner bus ride to Carmona Exit. From Carmona Exit, jeepney ride to either Walter Mart Carmona or Police checkpoint. Then, take shuttle or tricycle to the Subdivision.

 

 

 

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Carmona Estates is very accessible through jeepney ride from Alabang, Binan, Sta Rosa, and GMA Cavite.

 

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24 hours accessibility of tricycle from Walter Mart Carmona, and Police checkpoint. Also, 24 hours accessibility from Carmona Public Market to the Subdivision.

 

 

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The PNR has been rehabilitated and subsidized by the government. Fare ranges from Php 10.00 to php 15.00. Continuous service from Tutuban to Alabang and Alabang to Tutuban. It has a station at Buendia Makati. Some coach are air-conditioned.

 

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