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VIDEOS ON YOUTUBE
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PAG IBIG FUND HOUSING AT LA ALDEA DEL RIO MACTAN
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Location: Kalawisan, Mactan, Lapu-lapu City, Lapulapu City, Cebu
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La Aldea del Rio introduces housing in Mactan through Pag ibig fund.
La Aldea del Rio has a land development project of 4.5 hectares area located at Calawisan, Lapu Lapu City, Cebu only 4 kms to public market.
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(Click the images below to enlarge)
 
•The units face each other and are surrounded by a garden and or open spaces.
•The garden would consist of greens and concrete walk way.
•More secured area. The entrance to the garden cluster can be gated to prevent children from playing on the road.
-No need to worry about kids staying out
•A lot safer, secured, peace of mind, and no pollution.
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House Specifications:
2-storey townhouse
Lot Area: Inside Unit 40 sqm.; End Unit 65 sqm.
Floor area 44.5 sqm.
Spanish theme colored exterior wall and roofing
Accent decorative moldings
Metal grill works
French inspired windows
Front decorative moldings doors
Plastered interiors
Porcelain enamel kitchen sink
Toilet and Bath w/ Flush Type Water Closet
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Features and Amenities:
Concrete Roads and Alleys
Concrete Curbs and Gutters
Landscaped Parks and Playground
Landscaped Entrance Gate and Guard House
CHB Perimeter Fence
Centralized Water Distribution System
Street Lights
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LA ALDEA DEL RIO SUBDIVISION MAP PHASE 5 (Click the image below to enlarge)
LA ALDEA DEL RIO PRICE LIST 1 ( click to enlarge)
LA ALDEA DEL RIO PRICE LIST 2 (Click to enlarge)
PAG-IBIG POLICIES
1. LOAN PURPOSE
1.1 Purchase of a fully developed lot not exceeding 1,000 square meters which should be within a residential area.
1.2 Purchase of lot and construction of a residential unit thereon.
1.3 Purchase of a residential house and lot, or condominium unit inclusive of parking slot, which may be old or brand new.
2. BORROWER ELIGIBILITY
2.1 Must be a member for at least 24 months as evidenced by the remittance of at least 24 monthly contributions at the time of loan application.
2.2 A new member shall be allowed to make a lump sum payment of 24 months to avail of housing loan.
2.3 Not more than 65 years old at loan maturity and must be insurable.
2.4 Has the capacity to acquire and encumber real property
2.5 Has passed satisfactory background/credit check by the Developer and HDMF
2.6 Has no outstanding Pag-ibig housing loan, either as a principal or co-borrower
2.7 Has no outstanding multi-purpose loan in arrears at the time of loan application.
3. LOAN AMOUNT
A qualified Pag-ibig member shall be allowed to borrow up to a maximum of P2,000,000.00 pesos which shall be based on the lowest of the following:
(1) The member’s actual need
(2) His loan entitlement
(3) Loan-to-collateral ratio
3.1 Loan entitlement based on contribution: For every P100.00 a member is
entitled to P125,000.00 loan amount. For example, a member has a monthly contribution of P800.00 he is entitled to P1,000,000.00 maximum loanable amount; and for P1,600.00 contribution, he is entitled to P2,000,000.00 maximum loanable amount but as of May 2009, this has been increased to 3 million.
POP contributions made in foreign currency shall be converted to its peso equivalent on the date when payment was made, rounded off to the nearest dollar.
For loans up to P500,000.00 which shall be secured by a first real estate mortgage or contract to sell on the property which is bought from a developer and are covered by a buy back guarantee, the member’s loan entitlement shall be based solely on his Pag-ibig contributions.
3.2 Loan entitlement based on capacity to pay:
A member’s loan entitlement shall be limited to an amount for which the
monthly amortization shall not exceed 40% of the member’s net disposable
income as supported by:
a) Latest income tax return (ITR) for the year immediately preceding the date of loan application with attached W2 form, stamped received by the BIR.
b) Certificate of Employment and Compensation (CEC) or pay slip where applicable. The net disposable income shall be the gross family income less statutory deductions and monthly amortizations on outstanding obligations.
3.3 Loan to Collateral ratio
Loan amount: with buy back guaranty without buy back guaranty
Up to P150,000.00 100% 100%
Up to P225,000.00 100% 100%
Up to P750,000.00 100% 90%
Up to P 1 million 90% 80%
Up to P 2.5 million 90% 70%
PAG IBIG FUND REQUIREMENTS:
If Employed or Self-employed:
* Community Tax Certificate
* Proof of Billing (original)
* T.I.N. (Tax ID Number)
* Latest pay slip of borrower and spouse (original)
* 2 pcs HDMF Premium Contribution Certificate (original)
* Marriage Contract or Birth Certificate (Photocopy)
* W2 BIR form (photocopy)
* 2 pcs Notarized Certificate of Employment with Compensation (original)
* Post dated checks for down payment
* 24 month Pag-ibig contribution for members. For non-members, pay 24 months contribution upon reservation
If OCW:
All of the above plus the following:
* 3 pcs Notarized Special Power of Attorney (SPA)
* Income Tax Return and W2 confirmation receipt for the last 2 years immediately preceeding date of loan application
* Notarized Employment Contract and Employer's Certificate of Income duly certified by employer.
Note: All original
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More Photos (Click to enlarge)
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vicinity map
vicinity map
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End unit living area
End unit living area
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End unit bedroom 1-2
End unit bedroom 1-2
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End unit bedroom 2
End unit bedroom 2
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CONTACT US
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La Aldea del Rio End unit
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Lot area 40 square meters end unit of La Aldea del rio. Floor area: 44 square meters
Actual Front Fiew
Room
Dining
Master's Bedroom
Entrance Gate
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More Photos (Click the thumbnail to enlarge)
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La Alde del Rio - Living area end unit
La Alde del Rio - Living area end unit
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La Aldea del Rio - Dining area end unit
La Aldea del Rio - Dining area end unit
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La Aldea del Rio - Kitchen area
La Aldea del Rio - Kitchen area
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la Aldea del Rio - Master's bedroom
la Aldea del Rio - Master's bedroom
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CONTACT US
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CONTACT ME
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