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miraflores.cebubesthomes.com |
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VIDEOS ON YOUTUBE
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PAG IBIG LOANS AVAILABLE FOR VILLA LORENA 2 IN LILOAN CEBU
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Location: Liloan, Cebu north, Cebu
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Decent & affordable housing in Cebu, Philippines, available through Pag-IBIG Housing Loan or In-House Financing.
The above photo shows the improvement of the house by the owner at this own expense. The delivery of the unit is bare and it is up to the owner to improve his own unit.
LOCATION: Sitio Bas, Brgy Liloan, Cebu
- BIGGER LOT SIZES
- WIDER SUBDIVISION ROADS
- UNDERGROUND DRAINAGE SYSTEMS
- INDIVIDUAL SEPTIC TANKS
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Major road entrance: Concreted. Underground Drainage System, Individual Septic Tank. Ready Power Supply (VECO), Ready Water Supply Connection (Helpmate)
VILLA LORENA SUBDIVISION MAP (Click to enlarge)
Important Notes:
This only an estimated computation of monthly loan amortization and equity
The buyer is responsible for gathering all papers with HDMF
The buyer should pay the equity according to the sample schedule above
Occupancy of the residential unit shall not be allowed before take out from HDMF
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Villa Lorena 2 - Victoria Model
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Victoria Model (One Storey)
Lot sizes range from 80sqm to 120sqm
Floor area - 32.60 sqm
Architectural
3 units flush doors with door jambs
9 panels 12-blade jalousy windows with jambs
2 panels 8-blade jalousy windows with jambs
1 panel 6-blade jalousy window with jamb
Interior floor and wall - plaster finish
Exterior walls - plaster finish
Ceiling - ordinary plywood
Roof framing - C-purlins with Red Lead primer
Roofing - Pre-painted long span sheets
Fire wall sharing
Electrical
5 light bulbs at 25 watts
3 units light switches (1-single gang, 2- double gang)
3 units double convenience outlets
Plumbing
Toilet bowl with water closet
Kitchen sink with basket strainer
4" x 4" plastic floor drain
Ceramic tiles on kitchen counter
Ceramic tiles on toilet and bath
Individual septic tank
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The developer delivers the units as bare to make the prices very affordable as shown on the above actual photos of units. But the owner can always improve his home in any way like the photo shown below:
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Improved Victoria Model done by the owner (Photo 1)
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Villa Lorena 2 |
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LB |
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Loanable Amount |
746,000.00 |
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Model: Victoria |
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Appraised Value |
780,600.00 |
Estimated Loanable |
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Area 80 sqm |
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Actual Buyer Applied |
746,000.00 |
Estimated Loanable |
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Lot Price |
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416,000.00 |
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House Price |
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300,000.00 |
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716,000.00 |
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Add: |
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Transfer Cost |
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43,000.00 |
Sub total |
759,000.00 |
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Guarantee Fee |
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0.00 |
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Reservation Fee |
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5,000.00 |
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Processing Fee |
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5,000.00 |
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10,000.00 |
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Total Price |
769,000.00 |
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LESS: |
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Reservation |
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5,000.00 |
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Processing Fee |
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5,000.00 |
Sub Total |
10,000.00 |
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Est. HMDF Take out |
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686,060.20 |
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Retention Fee (7%) |
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52,220.00 |
Sub Total |
738,280.20 |
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Total Loan Release & Initial payments |
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748,280.20 |
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Remaining Equity Payable to developer |
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20,719.80 |
6 months to pay |
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SCHEDULE OF PAYMENTS: |
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1st month Reservatin Fee |
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5,000.00 |
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2nd month Processing Fee |
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5,000.00 |
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3rd month 1st Equity |
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3,453.30 |
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4th month 2nd Equity |
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3,453.30 |
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5th month 3rd Equity |
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3,453.30 |
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6th month 4th Equity |
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3,453.30 |
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7th month 5th Equity |
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3,453.30 |
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8th month 6th Equity |
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3,453.30 |
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Contributions Need: |
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0.00 |
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Family Net Income |
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14,300.00 |
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HMDF Amortization |
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5,601.05 |
30 years to pay |
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KDC 18 months to pay |
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0.00 |
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Net Income |
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8,698.95 |
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Evaluation Must be 60% |
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60.83 |
Approved for loan release |
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OPTIONS FOR TERMS OF PAYMENT & MONTHLY AMORTIZATION: |
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YEARS TO PAY |
MONTHLY AMORTIZATION |
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15 YEARS |
7,343.16 |
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20 YEARS |
6,421.63 |
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25 YEARS |
5,910.47 |
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30 YEARS |
5,601.05 |
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.jpg) Back To Gallery |
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More Photos (Click the thumbnail to enlarge)
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Villa Lorena 2 - Victoria model Improved 1
Villa Lorena 2 - Victoria model Improved 1
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Villa Lorena 2 - Victoria model Improved 2
Villa Lorena 2 - Victoria model Improved 2
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Villa Lorena 2 - Victoria model Improved 3
Villa Lorena 2 - Victoria model Improved 3
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Villa Lorena 2 - Victoria model Improved 4
Villa Lorena 2 - Victoria model Improved 4
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CONTACT US
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Rowhouse 2storey Model
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ROWHOUSE MODEL
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2-Storey Rowhouse
Lot sizes range from 40 to 60 sqm, Floor area - 42 sqm
Architectural
3 units flush doors with door jambs
5 panels 12-blade jalousy windows with jambs
7 panels 8-blade jalousy window with jambs
1 panel 5-blade jalousy window with jambs
Interior floor and wall - plaster finish
Exterior walls - plaster finish
Stairs - wooden frame / wooden steps
Second floor framing - steel
Second floor finish - wooden
Roofing - Pre-painted long span sheets
Roof framing - C-purlins with Red Lead Primer
No ceiling / no wall partition
2 additional reinforced concrete columns at center of firewall
With kitchen sink and faucet
Electrical
8 light bulbs at 25 watts
5 light switches (2 single gang / 3 double gang)
6 units duplex convenience outlets at 200 watts
Electrical supply provision
Plumbing
Toilet bowl without water tank
No tiles on toilet floor and walls
4" x 4" plastic floor drain
Individual septic tank
Water supply provision
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.jpg)
The rowhouse units will be delivered as "bare" as shown at the above actual photo but the owner can improved his own unit like the one shown below
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.jpg) |
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A |
B |
C |
D |
E |
F |
G |
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Villa Lorena 2
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LB |
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Loanable Amount |
596,000.00 |
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Model: Rowhouse Inner |
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Appraised Value |
740,100.00 |
Estimated Loanable |
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Area: 48 sqm |
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Actual Buyer Applied |
596,000.00 |
Estimated Loanable |
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Lot Price |
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249,600.00 |
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House Price |
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325,000.00 |
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574,600.00 |
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Add: |
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Transfer Cost |
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34,500.00 |
Sub total |
609,100.00 |
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Guarantee Fee |
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0.00 |
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Reservation Fee |
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5,000.00 |
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Processing Fee |
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5,000.00 |
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10,000.00 |
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Total Price |
619,100.00 |
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LESS: |
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Reservation |
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5,000.00 |
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Processing Fee |
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5,000.00 |
Sub Total |
10,000.00 |
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Est. HMDF Take out |
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547,361.80 |
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Retention Fee (7%) |
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41,720.00 |
Sub Total |
589,081.80 |
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Total Loan Release & Initial payments |
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599,081.80 |
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Remaining Equity Payable to developer |
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20,018.20 |
6 months to pay |
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SCHEDULE OF PAYMENTS: |
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1st month Reservatin Fee |
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5,000.00 |
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2nd month Processing Fee |
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5,000.00 |
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3rd month 1st Equity |
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3,336.37 |
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4th month 2nd Equity |
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3,336.37 |
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5th month 3rd Equity |
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3,336.37 |
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6th month 4th Equity |
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3,336.37 |
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7th month 5th Equity |
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3,336.37 |
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8th month 6th Equity |
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3,336.37 |
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Contributions Need: |
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0.00 |
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Family Net Income |
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12,000.00 |
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HMDF Amortization |
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4,714.75 |
25 years to pay |
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KDC 18 months to pay |
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0.00 |
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Net Income |
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7,285.25 |
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Evaluation Must be 60% |
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60.71 |
Approved for loan release |
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OPTIONS FOR TERMS OF PAYMENT & MONTHLY AMORTIZATION: |
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YEARS TO PAY |
MONTHLY AMORTIZATION |
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15 YEARS |
5,859.36 |
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20 YEARS |
5,123.13 |
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25 YEARS |
4,714.75 |
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30 YEARS |
4,467.55 |
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.jpg) Back to Gallery
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Floor Plans (Click the thumbnail to enlarge)
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Villa Lorena 2 Site Development Plan & Lot Availability
Villa Lorena 2 Site Development Plan & Lot Availability
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More Photos (Click the thumbnail to enlarge)
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Villa Lorena 2 - Rowhouse Improved 1
Villa Lorena 2 - Rowhouse Improved 1
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Villa Lorena 2 - Rownhouse Improved 2
Villa Lorena 2 - Rownhouse Improved 2
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CONTACT US
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CONTACT ME
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