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Featured Property in CEBU REAL ESTATE

Cebu White Sands House & Lot for Sale. 4 bdrms, 300 sqm floor area. One-minute walk to the beach and as owner of the house, you are also part owner of the resort.


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Cebu Properties For Sale as of March 2015. Click images below for details

CEBU CITY HOUSE AND LOT

MLD Luxuria, Banawa, single detached 9.5M to 9.6M
Riverfront - Pit-os, 6 models available for your choice.2.5M to 4.3M
San Miguel Residences, 3BR Townhomes, Apas Lahug 5.9M
St. Anthony, Talamban, single attached, 6M
88 Summer Breeze, Pit-os near Cebu International School, 4.4M
Riverdale, Pitos, single detached, 5.9M to 10.6M
Northfield, Canduman Mandaue, townhouse & single detach 2.5M to 4.8M
Maria Luisa for sale by owner 30M with swimming pool 5 level house
Rose Crest Residences, Talamban, 2-storey with attic 6.5M
North Belleza, Talamban, Single attached 3BR 4.2M
Gio Homes Banawa, 3BR Townhouse 2.8M
Gio Homes Labangon, 3BR Townhouse 2.8M
Gio Homes Guadalupe, 3BR townhouse 2.8M
Riverwalk, 2BR single attached Pit-os Cebu City 3M
Divine Homes Lahug, 3BR Townhomes 4.3M
Pristina North 7-BR House & Lot near subd amenities with Pool 32M

CEBU NORTH HOUSE & LOT

Insular Residences, Basak, Mandaue, 3BR Only one Left. P2.9M
Colorado Homes 2, Liloan, Duplex & townhomes, 1.6M to 1.7M
Grand Terrace, Consolacion, 1-storey, Chalet & 2-storey 600K to 1.2M
Casili Residences, Casili Consolacion, 3BR townhomes, 3M
Anami Homes Consolacion, 3BR townhomes, 1.9M
Virtacci Hills, Lamac, Consolacion, townhomes, 2.4M to2.8M
88 Hillside Residences, Mandaue, 3-4BR single attached, 4.7M to 6M
Redwood Subdivision, Tayud Consolacion, 1.5M to 4.9M
La Almirah Crest, Liloan, Duplex, Bungalow, Condo 700K to 2.7M
Villa Riza Subdivision, Low cost housing thru Pag-ibig Liloan Cebu P932,300
Villa Sophia, Consolacion townhouse, near highway, P2.6M
Villa Vanesa, Casili Mandaue 1-storey affordable thru Pag-ibig
Aduna Beach Villas, Danao City, 1BR, 2BR, 3BR 4M to 11M

MACTAN/LAPULAPU HOUSE & LOT

Alegria Palms, Cordova, townhouses & single detached, 2.2 M to 6M
Astele, Maribago Mactan, high end, with pool 6 models 5.5M to 16.4M
CKL Homes, Agus, Lapu-lapu City, 2BR townhomes 690K to 1.1M
Modena, Basak, Lapulapu City, townhouse, duplex, single det 2.1M to 3m
Goldmine Residences, Soong, Lapu-lapu, Thouse & single detach 3M to5.4M
Bayswater, Agus Lapulapu City, townhouse, single detached, 2M to 8 M
Cebu White Sands, Mactan, 5BR, resort is one-minute walk 8.8M
Astana Residences, 2BR Kalawisan, Lapulapu City 1.25M thru Pag-ibig
Solare, Maribago, Mactan 4 model houses and lots 2,5M to4.1M
Happy Homes, Pajac, Lapulapu City, 3BR townhouse 1.7M
Sunberry Homes, Maribago Mactan 1-storey 2-storey 650K to 1.5M
Alegria Palms Lot only, Cordova, 120sqm+ 800K to 1M
Cordova bungalow 3BR in a large 1,260 sqm lot area. Only 6.5M

CEBU SOUTH HOUSE AND LOT

Villa Purita 2, Tubod, MInglanilla 3BR Thouse single detach 1.8M to 2.3M
88 Brookside, Talisay City 3BR, Duplex, single detach 4.5M to 7.2M
Tiara del Sur, Talisay City, Thouse, Duplex, Single attached 2M to 2.8M
South Covina,Talisay City, Duplex, Single attached, Single detach 2.9M to 3.8M
Hamoris Residences, Tabunok Talisay, Thouse, Single attach, 2M to 3.4M
Woodway Townhomes, Talisay, Single attach, Single det 2.4M to 4.8M
Azienda Genova, Talisay, Single attached, 2 to 4BR homes 2.3M to4.2M
The Villagio, San Fernando, 1.3M to 1.8M
Corona del Mar, Pooc Talisay Cypress,Molave & Lot only

CEBU CONDOMINIUMS

Ramos Tower, Ramos St., 28 sqm great sea view. For sale by owner 2.9M
Marco Polo Residences, Lahug, 1BR For sale by owner, corner unit 5.7M
Marco Polo Residences, Lahug, 2BR For sale by owner, 2BR 8.7M
Sotogrande condotel unit for sale 30 sqm complete beach amenities P2.7M

CEBU RAW LAND FOR SALE

Casili Mandaue Raw Land for sale 7,825 sqm along concrete road P31.3M
San Fernando Raw Land for sale 23,619 sqm sea view, good road, 11.8M

LINKS OF ALL CEBU PROPERTIES (not all updated)

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CTS Gold

WHAT IS CTS GOLD?

It is a Gold Opportunity created by 8990 Housing Development Corporation to make owning a DECA Homes very affordable in the most easiest way and earliest possible time to Move-In.

- It's is a newly innovated program and the only payment scheme that 8990 Housing Development Corporation can offer to our prospective buyers.

ULTIMATE GOAL:

Within four (4) years from date of reservation, the balance of the deffered payment plan (DPP) maybe processed for Pag –IBIG take-out at the instance of 8990.

TWO KINDS OF CTS GOLD:

1. CTS Gold convertible (white CTS)

2. CTS Gold Straight ( 25 yrs blue CTS)

Buyers who are not more than 60 years old, gainfully employed or Self employed , and whose Net Disposable Income (NDI) is 100% of or greater than the monthly amortization of the unit they intend to acquire.

NDI FORMULA: 100% NDI = MONTHLY AMORTIZATION

NDI COMPUTATION:

GROSS INCOME Php 7,600.00
Less: Deductions
SSS 200.00
Pag-Ibig Contribution 200.00
Philhealth Contribution 200.00
NET DISPOSABLE INCOME (NDI) Php 7, 000.00
========
Monthly Amortization Php 7,000.00

RESERVATION POLICY

Passes the NDI Requirement
Pays P 5,000.00 Reservation Fee
Submits the following documents:
(I) Buyers Info Sheet + four (4) 1 x 1 ID photo
(II) Gov’t. issued ID (ex: driver’s license, SSS ID), company
ID & other identification papers, if needed
(III) 1-month Pay slip and / or proof of other income and / or assets
(IV) Proof of Pag-IBIG membership
(V ) Contract to Sell
(VI) Deed of Restriction
(VII) Option Agreement
(VIII) Required Post dated Checks (3 equity installments + 24 for
monthly amortizations and SRI/FI premiums + 1 guarantee
check

EQUITY PAYMENT:

A. At least Php 15,000.00 payable over 3 monthly installments and a maximum of 6 monthly installments
which will commence 30 days after Reservation Date and every 30 days thereafter covered with PDC

B. If the unit is not ready for delivery after the buyer had already paid the equity of P15,000.00, he may continue paying the installments of P5,000.00 per month until the unit is delivered. In which case, the total amount paid prior to the delivery of the unit shall be considered equity payment and be deducted from the Package Price to determine the amount subject to the Deferred Payment Plan


C. If the buyer’s NDI requires him to pay an equity greater than P15,000.00, the said equity shall be payable over a maximum

period of 6 monthly installments. However, in no case shall the monthly equity installment amount to less than P5,000.00.

D. Delay in the payment of equity installment shall be charged the following:
(a). Interest of 12% P.A.
(b). Penalty of 1/10 of 1% for everyday of delay.

E. The buyer may opt, at any time, to advance the payment of equity.

BALANCE AFTER EQUITY:

Deferred payment plan (DPP) via monthly amortization, inclusive of SRI/FI premiums, over 25 years; with Pag-IBIG take-out mechanism within 4 years from reservation date.

In no case shall the maturity date of the DPP term go beyond the date the buyer reaches the age of 7 years old.

SAMPLE COMPUTATION:

Total Contract Price Php 778,000.00
Less: Reservation Fee 5,000.00
Equity (3 mos.@ Php 5,000.00) 15,000.00
Balance for DEFERRED PAYMENT PLAN 758,000.00
Interest Rate 8.5% (8.05227)
Monthly Amortization for 25 years 6,103.62
Add: Fire Insurance 80.22
Sales Redemption Insurance 252.67
Total monthly Amortization Php 6,436.51
(Payable for 4 years) ==============

C. If the Pag-IBIG take-out is successful within the prescribed period, all conversion expenses related to the transfer of ownership over the unit to the buyer shall be borne by 8990. Otherwise, the account shall remain under CTS Gold and the buyer shall shoulder the said expenses, except for the capital gains tax or creditable withholding tax, which shall remain for the account of 8990.

HOW MUCH IS THE INTEREST RATE?

CTS convertible – Fixed at 8.5% p.a. fixed for the 1st 4 years, 11.5% p.a. fixed for years 5 to 25, if not transferred to HDMF.

CTS Straight – 11.5% p.a. fixed from the start it there is no plan of transferring to HDMF.

PRE-PAYMENT:

Within the 1st 4 years of the Deferred Payment Plan, the buyer shall be allowed to make full or partial payments at no prepayment premium. After the 4th year, all prepayments shall be subject to a prepayment premium equivalent to 5% of the amount prepaid.

MOVE IN:

The buyer may move in after paying the minimum Equity of Php 15,000.00 and move in earlier, provided that all the required documents enumerated above are all submitted and the loan application of the buyer is approved and after the LOAN TAKE OUT.
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