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CYPRESS (TH) MODEL HOUSE
  CEDAR RESIDENCES , Brgy Lantic, Carmona, Cavite Philippines
      3-BEDROOMS; 1-TOILET AND BATH...
•   Two (2) storey
•   Three (3) Bedroom with partition
•   1 Toilet and Bath
•   Living area
•   Dining area
•   Kitchen ...
Sample Computation of Cypress (TH)
          House Model

     Sample Computation for Pag-IBIG Financing

          CYPRES...
ACTUAL PHOTO OF DRESSED UP MODEL
              UNIT
    mevacebedo@yahoo.com
    www.medva.sulit.com.ph
        0939-147-0...
mevacebedo@yahoo.com
www.medva.sulit.com.ph
    0939-147-0073




mevacebedo@yahoo.com
www.medva.sulit.com.ph
    0939-147...
mevacebedo@yahoo.com
www.medva.sulit.com.ph
    0939-147-0073




mevacebedo@yahoo.com
www.medva.sulit.com.ph
    0939-147...
mevacebedo@yahoo.com
   www.medva.sulit.com.ph
       0939-147-0073




ACTUAL PHOTO OF TURNOVER MODEL
             UNIT
 ...
mevacebedo@yahoo.com
www.medva.sulit.com.ph
    0939-147-0073




mevacebedo@yahoo.com
www.medva.sulit.com.ph
    0939-147...
mevacebedo@yahoo.com
 www.medva.sulit.com.ph
     0939-147-0073




Cedar Residences Location Map




            POLICIES
Conditions of Sale
•   Non-refundable reservation fee ranges from 5,000.00 to
    30,000.00
•   Amount paid formalizes the...
o After 2 years, PDC’s will be dated based on the original
          datres of PDC (12 PDCs for CEDAR, VILLAS & MANOR; 20
...
•   Early Move-in
      o Unit is ready to be occupied
      o Monthly amortization will start 30 days from the date of
  ...
c.   Disclosure Statement (FLH 150)
       d.   Certificate of House and Lot Acceptance/Completion
       e.   Contract to...
14.Reservation Agreement (RA) form
15.Provide by PRO-FRIENDS:

       a.   Contract Tp Sell (CTS)
       b.   Deed of Abso...
1. Initial requirements
  2. Original copy of Certificate for Employment
  3. Latest ITR




           Bank Additional Re...
be able to fix it and it will be shouldered by the developer but after
you accept the house if there is any alterations it...
ESTIMATED HOUSE BUYING SALES
        PROCEDURE- 12 MO. DP/EQUITY
  •   Month 1 - DAY 1......Reservation
  •   Day 7-15.......
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Cypress (Th) Carmona

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  • Lovely article - one of the best things I've recently read, and by far the most useful. Thanks for the info, super helpful. Maybe you would be interested in an online service with a ton of Form templates (tax, real estate, legal, business, insurance forms, etc..) http://www.pdffiller.com/. I used it to fill out .
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Cypress (Th) Carmona

  1. 1. CYPRESS (TH) MODEL HOUSE CEDAR RESIDENCES , Brgy Lantic, Carmona, Cavite Philippines 3-BEDROOMS; 1-TOILET AND BATH; TWO (2) STOREY P 5,540.18 / Month Thru Pag-IBIG 3 -BEDROOMS with partitions; 1 -TOILET & BATH; 2 -STOREY LOT AREA: 40 sq.m ; FLOOR AREA: 40 sq.m TOTAL CONTRACT PRICE : P 840,000.00 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 CEDAR RESIDENCES WHERE DREAMS BEGINS……… "Living in a home that symbolizes dreams do come true." The Cedar Residences is a residential subdivision, which covers a total area of about 15 hectares and is composed of over 2,000 units. Conveniently located in Carmona, Cavite, its development invites you to enjoy fresh air, lush green meadows and endless blue skies. House Features
  2. 2. • Two (2) storey • Three (3) Bedroom with partition • 1 Toilet and Bath • Living area • Dining area • Kitchen area • Provision for One (1) car garage • Provision for service and laundry area House Finishes • Pre-Painted CI Sheets • Steel Casement Windows • Pre-Cast Panel System • Water Closet • Painted Interior / Exterior Walls • Tiled Kitchen Counter • Tiled Bathroom Flooring • Floor Cement Finish Cypress (TH) House Model Floor Plan
  3. 3. Sample Computation of Cypress (TH) House Model Sample Computation for Pag-IBIG Financing CYPRESS (TH) - CARMONA, CAVITE Lot Area : 40 sq.m. Floor Area : 40 sq.m. TOTAL CONTRACT PRICE 840,000.00 DOWNPAYMENT 90,000.00 LESS: RESERVATION FEE 7,500.00 NET EQUITY 82,500.00 IN 12 MONTHS 6,875.00 LOANABLE AMOUNT (7.0%) 750,000.00 10 0.011610848 YRS. 9,258.54 0.008988283 15YRS. 7,291.62 20 0.007752989 YRS. 6,365.15 25 0.007067792 YRS. 5,851.25 30 0.006653025 YRS. 5,540.18 *** SAMPLE COMPUTATION ONLY *** mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073
  4. 4. ACTUAL PHOTO OF DRESSED UP MODEL UNIT mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073
  5. 5. mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073
  6. 6. mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073
  7. 7. mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 ACTUAL PHOTO OF TURNOVER MODEL UNIT mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073
  8. 8. mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073
  9. 9. mevacebedo@yahoo.com www.medva.sulit.com.ph 0939-147-0073 Cedar Residences Location Map POLICIES
  10. 10. Conditions of Sale • Non-refundable reservation fee ranges from 5,000.00 to 30,000.00 • Amount paid formalizes the reservation of a housing unit in the project and forms part of the equity • First-come, first served basis Downpayment (Equity) • The buyer may choose the following options: o PLAN A – 20% of total selling price o PLAN B – 30% of total selling price Payments In-house • Payments must be remitted only to the Main Office of PRO- FRIENDs and through an authorized PRO-FRIENDS staff only Reservation Date Date of PDC o 6 to 20 day (Current Month) th th 20 day of the next th month o 21 st ( current month) to 5 th day 5 th day of the subsequent month (next month) • In-House financing terms: o Loanable amount is payable in 5 years at 18% or 10% years at 21% fixed interest. Payment Pag-IBIG • Equity/Downpayment o Payments must be remitted only to the Main office of PRO- FRIENDs and through an authorized PRO-FRIENDs staff only Reservation Date Date of PDC o 6 to 20 day (Current Month) th th 20 day of the next th month o 21 st ( current month) to 5 th day 5 th day of the subsequent month (next month) • Monthly Amortization o For 2 years, PDC’s will be addressed to PRO-FRIENDs and it will always be 5 days advance. o If their hit date is on the 20 th day, their date of PDC will be on the 15 th day of the month. o If their hit date is on the 5 th day, their date of PDC will be on the 30 th day of the month.
  11. 11. o After 2 years, PDC’s will be dated based on the original datres of PDC (12 PDCs for CEDAR, VILLAS & MANOR; 20 PDCs for other projects) Penalty on Delayed Payments • 1/10 of 1% compounded per day of delay. • Any request for hold or pullout of check shall be charged by PRO-FRIENDs an Administrative Fee of P 100.00 per transaction. Forteiture and Cancellation • Failure to submit documentary requirements and non-payment of 1 st equity • The RETURN or non-payment of checks issued including “stop payment order” • Any delay in the encashment of checks on due dates stated for any reason not attributed to PRO-FRIENDs. • Failure or refusal of the buyer to complete the down payment or to pay any installment on the down payment & monthly amortization • Voluntary back out of buyer Transfer of Location / Ownership • Transfer fee of P3,000.00 is required • Retain prevailing selling price and terms at point of transfer (allowed only for upgrading or same selling price) • Covers transfer of rights and change of unit or financing scheme • Original schedule of payment will be followed • Account is current and updated (no transfer on delinquent accounts) House Construction • House Completion is within 3 months after the last equity Move-in for In-house • A buyer will not be allowed to move in unless: o Downpayment is fully paid o Posted checks for monthly amortization have been issued o All documentation requirement are complied with • Buyer should secure the Authority/Clearance to Inspect after 60 days upon the receipts of Notice of Completion (NOC), otherwise, unit will deemed accepted • Buyer must secure Authority to Move In from Head Office upon the receipts of Certificate of House acceptance from the site • Unit is considered 100% complete once accepted by the buyer
  12. 12. • Early Move-in o Unit is ready to be occupied o Monthly amortization will start 30 days from the date of Clearance for Inspection (CFI) Move-in for Pag-IBIG o Buyer will not be allowed to move in if there is no take out order from Pag-IBIG (No take out, no move in policy) Real Property Taxes, TCT transfer & Registration o Buyer is bound to pay the real estate taxes and special taxes levied or that may be levied on the property during the time the CTS is in force, when they become due and payable, including the corresponding surcharge and penalties in case of delinquency DOCUMENTATION REQUIREMENTS Pag-IBIG Required Documents Initial Requirements 1. 3 pcs. 1” x 1” ID Pictures (husband & wife if married) 2. Photocopy of valid ID (husband & wife if married) 3. Cedula (husband & wife if married) 4. Marriage Contract, Birth Cert. OR separation Papers (if needed) 5. MSVS ( Membership Status Verification Slip) 6. Pag-IBIG and PRO-FRIENDs Counselling 7. Tax Identification Number (TIN) 8. Proof of Billing ( Meralco, PLDT. Other) 9. _________ PDCs for Downpayment 10.PDC (36 M.A. for CEDAR & 44 M.A. for others) 11.2 checks for Real Property tax 12.Proof of Income for more than P750,000 loan amt. a. Cert. Of Employment with Compensation b. ITR / W2 c. 3 mos. Payslip 2. Complete Information in Buyer’s Information Sheet 3. Reservation Agreement (RA) form 4. Provided PRO-FRIENDS: a. Confirmation Letter/MA Schedule b. Addendum to CTS
  13. 13. c. Disclosure Statement (FLH 150) d. Certificate of House and Lot Acceptance/Completion e. Contract to sell (CTS) f. Deed of Absolute sale g. Promissory Note h. Loan Mortgage Agreement i. Pag-IBIG Housing Loan Application Form j. Deed of Reconveyance k. Deed of Assignment w/SPA Pag-IBIG Additional Requirements for OFW 1. Initial Requirements 2. Jon 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. Attorney In-Fact information Sheet 8. Residence Certificate of attorney In-Fact Pag-IBIG Additional requirements for Self-Employed 1. Initial requirements 2. Affidavit of Income 3. Business Name and Permit 4. Passbook with 3 months maintaing balance 5. ITR IN-HOUSE REQUIRED DOCUMENTS Initial Requirements 1. 3 pcs. 1” x 1” ID Pictures (husband & wife if married) 2. Photocopy of valid ID (husband & wife if married) 3. Cedula (husband & wife if married) 4. Certificate of Employment with Compensation 5. Tax Identification Number (TIN) 6. _________ PDCs for Downpayment 7. _________ PDCs for Monthly Amortization 8. 4 checks for Real Property tax if loan term is 5 years 9. 9 checks for Real Property Tax if loan term is 10 years 10.1 Guaranteed Check 11.Latest Proof of Income 12. Marriage Contract, Birth Cert. OR separation Papers (if needed) 13.Complete Information in Buyer’s Information Sheet
  14. 14. 14.Reservation Agreement (RA) form 15.Provide by PRO-FRIENDS: a. Contract Tp Sell (CTS) b. Deed of Absolute Sale c. Insurance Forms d. Credit Investigation Form Additional Requirements for OFW 1. Initial Requirements 2. Jon 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. Attorney In-Fact information Sheet 8. Residence Certificate of attorney In-Fact Addiitional Requirements for Self-Employed 1. Initial requirements 2. Affidavit of Income 3. Business Name and Permit 4. Passbook with 3 months maintaing balance 5. ITR Bank Financing Required Documents Initial Requirements • 3 pcs. 1” x 1” ID Pictures (husband & wife if married) • Valid ID – Government ID (husband & wife if married) • Cedula (husband & wife if married) • Certificate of Employment with Compensation • Tax Identification Number (TIN) • Proof of Billing (Meralco, PLDT, other) • Birth Certificate • Marriage Contract • Income tax Return • Photocopy of payslip – past 3 months • _________ PDCs for Downpayment • 1 Guaranteed Check Bank Additional Requirements for Employed
  15. 15. 1. Initial requirements 2. Original copy of Certificate for Employment 3. Latest ITR Bank Additional Requirements forSelf- Employed 1. Initial Requirements 2. Audited Financial Statements for the last 2 years 3. Two(2) years in-house Financial Statement and Interim Statement (when available) 4. ITR for the last 2 years 5. Photocopy of Bank Statements and Passbooks for the last 6 months 6. Certificate of Business Registration with SEC or DTI ( if single proprietorship) 7. Articles of Incorporation and By-laws (if applicable) 8. Business Background/Company Profile 9. Trade Suppliers/Costumers (at least 3 for each with contact persons and telephone numbers) FREQUENTLY ASKED QUESTIONS RESERVATION Upon paying the reser vation fee the buyer will be able to get all the necessar y documents such as Contract to Sell, Deed of Sale, Bank/Pa gibig or In-house for ms, Insurances etc...T he buyer has 30 days to complete documents as well as the necessar y requirements. Reser vation fee is Non-refundable. It is possible for the buyer if they decide to transfer the reser vation fee or other payments made to the developer to other units as long as it is under the same developer (PROFRIENDS) but there will be a transfer fee of 3,000 FIRST EQUITY T he buyer has 30days from the reser vation date to star t their fir st down-payment. Buyer needs to issue PDC’S and should be named under the developer (Proper ty Company of Friends Inc.). TURNOVER Tur nover of the house is within 3 months after the full down- payment, the buyer has 3 oppor tunities to inspect the house so that if there is anything that you are in concer ned of the developer will
  16. 16. be able to fix it and it will be shouldered by the developer but after you accept the house if there is any alterations it will be at on your own expense so make sure that before you accept the unit all your concer ns is addressed. W ith re gar ds to roof leaks the buyer is entitled to one (1) rainy season. After the inspection period the buyer will be able to move in. FIRST MONTHLY AMORTIZATION Fir st monthly amor tization will star t after your downpayment. READY FOR OCCUPANCY UNIT (RFO) Buyer needs to pay the downpayment in full. HOUSE MODIFICATION W hen the house is tur nover to the buyer, buyer has the oppor tunity to modify or improve their unit, A contstr uction bond is necessar y for you to be able to modify the house, it will be refunded to you once you’re done with the renovation. ELECTRICITY AND WATER Buyer will shoulder the expenses with re gar ds to the electricity and water connection TERMS OF PAYMENT T here are several modes of payment, Cash Basis, Installment Basis, and 24months to pay with 0% interest. OFW Since you are out of the countr y, you need to appoint someone that will act on your behalf he/she will be the Attor ney in Fact or SPA .SPA for m will be provided by the developer. OFW are entitled to loan 80% upto 20yr s for Bank Financing , In-House Financing 5yr s upto 10yr s and Pa gibig Financing, Take note that the maturity of the loan should not exceed the buyer s 70th bir thday. Noted Developer will give a Bank Referral Letter so Buyer can open a checking account. Only Php2,500 needed to open an account at PNB bank.
  17. 17. ESTIMATED HOUSE BUYING SALES PROCEDURE- 12 MO. DP/EQUITY • Month 1 - DAY 1......Reservation • Day 7-15.................Submission of Requirements • Month 2..................1st Monthly Equity or Downpayment • Month 3..................2nd Monthly Equity or Downpayment • Month 4..................3rd - 12th Monthly Equity or Downpayment • Month 13 - 15...............1st Monthly Amortization and Estimated Turnover CONTACT FOR INQUIRIES / FREE HOUSE VIEWING Ma. Eloisa V. Acebed0 Smart: 0939-147-0073 Landline: 044-720-4024 Email us: mevacebedo@yahoo.com Click website for other houses: www.medva.sulit.com.ph Add me, chat with me: medva Yahoo Messenger: mevacebedo

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