Villa Melissa Subdivision – IS NEWLY OPEN SUBDIVISION in Brgy. Yati, Liloan, Cebu.
Near Eastland Subdivision
-Few minutes away from the highway
-Near Schools, Market, Malls, Banks, & Hospital
SUBDIVISION SPECIFICATIONS:
Major Roads/Entrance = 8 Meters With
Underground Drainage System
Individual Septic Tank
Individual Parking Space
Ready Power Supply Connection (VECO)
Ready Water Supply Connection
No Perimeter Fence
ROWHOUSE
Rowhouse (bare unit):
Lot area: 60 sqm
Floor Area: 39.60 sqm
Provision for 2 bedrooms
1 Toilet & Bath
Price: P 1,314,000.00
Reservation Fee: P 5,000.00 (deductible to TCP)
SAMPLE COMPUTATION
Lot Block : BOL
Model : Rowhouse
Area : 60 sq. m.
Total Package Price : 1,314,000.00
Less : 5,000.00
Est. HDMF Take-Out : 1,232,731.000.00
Total Equity : 76,268.40
Equity : 76,268.40 ( payable 9 mos. = 8,474.27 )
Loanable : 1,238,705.00
Appraised Value : 1,303,900.00
Actual Buyer Applied : 1,238,000.00
ADDITIONAL FEES :
Appraisal Fee
HDMF Filing Fee
Notarial Fees
Water Connection
Other Govn’t Agency Fees
Total : 68,500.00
Less : 5,000.00
Down payment : 5,000.00
Balance ( payable 30 mos = 2,116.67 )
SAMPLE SCHEDULE OF PAYMENTS :
Reservation Fee : ( 01/04/19 = 5,000.00 )
Processing Fee : ( 02/04/19 = 00 )
Equity 1 : ( 03/04/19 = 8,474.27 + 2,116.67 Addt’l Fees = 10,590.94 )
Equity 2 up to Equity 9 = 10,590.94
Equity is 9 mos to pay / Additional fees is 30 mos to pay
MONTHLY AMORTIZATIONS :
3 years Repricing at 6.375% interest per annum
MONTHLY AMORTIZATION :
15 years = 10,984.17 / Gross Income Monthly : 31,383.34 / Net Income : 20,155.13
20 years = 9,424.07 / Gross Income Monthly : 26,925.91 / Net Income : 17,754.98
25 years = 8,547.37 / Gross Income Monthly : 24,421.06 / Net Income : 16,406.21
30 years = 8,008.26/ Gross Income Monthly : 22,880.74 / Net Income : 15,576.81
VECO = 1,000.00
IN-HOUSE FINANCING:
Package Price : 1,311,000.00
Less : 5,000.00
Down payment : 105,000.00
Reservation Fee : 5,000.00
Net Down payment : 100,000.00 ( payable 3 mos. = 33,333.33
Balance : `1,206,000.00
Balance will be charged 9.5% interest per annum in diminishing method
Monthly starts after Down payment
Term years :
5 years : 25,328.24 / Net Monthly Income : 42,479.34
4 years : 30,298.50 / Net Monthly Income : 50,125.90
3 years : 38,631.74 / Net Monthly Income : 62,946.27
2 years : 55,372.88 / Net Monthly Income : 88,701.87
1 year : 105,746.32 / Net Monthly Income : 166,199.47
SAMPLE SCHEDULE OF PAYMENTS :
Reservation Fee : 01/11/19 = 5,000.00 / Additional Fees : 5,000.00
02/11/19 = 33,333.33 / Additional Fees : 2,283.33
03 /11/19 = 33,333.33 / Additional Fees : 2,283,33
Down payment: 04 / 11/19 = 33,333.33 / Additional Fees : 2,283.33
Start Monthly Installment in 5 years : 05/11/19 : 25,328.24 / Additional Fees : 2,283.33
06/11/19 up to 11/11/19 = 25,328.24 / additional Fees : 2,283.33 ( 30 mos to pay )
HDMF Filing Fee
Notarial Fees
Water Connection
Advance Realty Tax ( 5 yrs )
Processing Fee/ VAT
Total : 73,500.00
Less : 5,000.00
Down payment : 5,000.00
Balance : 68,500.00
REQUIREMENTS FOR INHOUSE FINANCING :
1. Proof of Billing
2. Post dated Cheques (PDC) for monthly payments
3. 2 valid ID’s ( at least 1 govn’t issued ) w/ spouse
4. Marriage Contract / Birth Cerificate
5. Special Power of Atty. (SPA) if applicable
6. 2 valid ID’s ( at least 1 govn’t issued ) of SPA
7. Latest Proof of Billing w/ certification if borrowed
8. TIN ID or ITR ( both buyer/spouse)
DUPLEX
Duplex (bare unit):
Lot area: 80 sqm
floor area : 32.60 sqm
Provision for 2 or 3 bedrooms
1 toilet & bath
Price: P 1,550,600.00
Reservation Fee: P 5,000.00 (deductible to TCP)
SAMPLE COMPUTATION:
Lot Block : LB
Model : Victoria
Area : 80 sq. m.
Total Package Price : 1,550,600.00
Less : 5,000.00
Est. HDMF Take-Out : 1,371,376.40
Total Equity : 174,223.60
Equity 1 : 85,208.00 ( payable 8 mos. = 10,651.00)
Equity 2 : 89,015.60 ( payable 36 mos. : 2,472.66 )
Loanable : 1,377,880.00
Appraised Value : 1,450,400.00
Actual Buyer Applied : 1,377,000.00
ADDITIONAL FEES :
Appraisal Fee
HDMF Filing Fee
Notarial Fees
Water Connection
Other Govn’t Agency Fees
Total : 68,500.00
Less : 5,000.00
Down payment : 5,000.00
Balance : 63,500.00 ( payable 30 mos = 2,116.67 )
SAMPLE SCHEDULE OF PAYMENTS :
Reservation Fee : ( 01/04/19 = 5,000.00 )
Processing Fee : ( 02/04/19 = 00 )
Equity 1 : ( 03/04/19 = 10,651.00 + 2,116.67 Addt’l Fees = 12,767.67 )
Equity 1 up to 7 = 10,590.94
Equity 2 is 36 mos to pay / Additional fees is 30 mos to pay
MONTHLY AMORTIZATIONS :
3 years Repricing at 6.375% interest per annum
MONTHLY AMORTIZATION :
15 years = 12,361.03/ Gross Income Monthly : 41,203.43 / Net Income : 28,250.59
20 years = 10,625.76 / Gross Income Monthly : 35,419.20 / Net Income : 25,358.47
25 years = 9,650.63 / Gross Income Monthly : 312,168.77 / Net Income :21,907.62
30 years = 9,050.99/ Gross Income Monthly : 30,169.97 / Net Income : 20,985.10
VECO = 1,000.00
IN-HOUSE FINANCING:
Package Price : 1,529,600.00
Less : 5,000.00
Down payment : 105,000.00
Reservation Fee : 5,000.00
Net Down payment : 100,000.00 ( payable 3 mos. = 33,333.33 )
Balance : `1,424,600.00
Balance will be charged 9.5% interest per annum in diminishing method
Monthly starts after Down payment
Term years :
5 years : 29,919.25/ Net Monthly Income : 49,542.44
4 years : 35,790.42 / Net Monthly Income : 58,575.01
3 years : 45,634.14 / Net Monthly Income : 73,719.19
2 years : 65,409.79 / Net Monthly Income : 104,143.27
1 year : 124,913.93 / Net Monthly Income : 195,688.10
SAMPLE SCHEDULE OF PAYMENTS :
Reservation Fee : 01/11/19 = 5,000.00 / Additional Fees : 5,000.00
02/11/19 = 33,333.33 / Additional Fees : 2,283.33
03 /11/19 = 33,333.33 / Additional Fees : 2,283,33
Down payment: 04 / 11/19 = 33,333.33 / Additional Fees : 2,283.33
Start Monthly Installment
5 years : 05/11/19 up to 5 : 29,919.25 / Additional Fees : 2,283.33
HDMF Filing Fee
Notarial Fees
Water Connection
Advance Realty Tax ( 5 yrs )
Processing Fee/ VAT
Total : 73,500.00
Less : 5,000.00
Down payment : 5,000.00
Balance : 68,500.00
VECO = 1,000.00
NOTE :
1. Charging of Fire Insurance will be stopped after execution of Deed of Sale ( DOAS )
2. Buyer to pay realty tax after 5 years from date of Reservation.
SUBDIVISION MAP AS OF JAN.2019
VICINITY MAP
For more info and site viewing contact:
NESTOR O. CALIBO
MauRealty & Brokerage
HLURB-CVRFO-A-01/17-2973
Landline- (032) 516-5441 / (032) 402-1687
Sun- – – – -0943-496-7311 /0932-969-1358
Globe- – – 0917-620-7235
email – – – nestycalyx@gmail.com