VILLA ALMIRA, BUANOY, BALAMBAN, CEBU

TWO STOREY ROWHOUSE  (SOLD OUT )

Lot Area : 48 sq. m.
All Units are Bare Units

SAMPLE COMPUTATION AS OF MARCH 2023

Model :  Natalia ( Bare Unit )
Type :  Bungalow
Lot Area :  48 sq. m.
House & Lot Price :  580,000.00
Less : Reservation Fee :  5,000.00
Est. HDMF take out :  572,125.00
Total Equity :  2,875.00
Loanable :  575,000.00
Appraised Value :  784.100.00
Actual Buyer Applied :  575.000.00

ADDITIONAL FEES :
HDMF Filing Fee :  
Notarial Fees

Other Charges by Govn’t Agencies
AMOUNT :  68,000.00
Less:  Down payment:  5,000.00
Balance :  63,000.00
AF 1 month :  20,000.00
AF 2 months to pay :  46,663.60
9.5% int. per annum in diminishing method

SAMPLE SCHEDULE OF PAYMENTS:
Reservation Date :  07-20-2023  =  5,000.00
Processing Date :   08-20-2023   =  5,000.00

Equity date on :   09-20-20213  =  2,875.00

AF 1 ( 8 m0s. ) from :  10-20-2023 –  T0 :  05-20-2024  =  2,500.00

AF 2 ( 20 m0s. ) from :  06-20-2024 –  To :  01-20-2026  =  2,333.18
Due Date every 20th day of the month

MONTHLY AMORTIZATIONS :
3 years repricing :  ( 6.250% interest per annum for above 12k Basic Monthly Income )
5 years repricing :  ( 3% interest per annum for 12k & below Basic Monthly Income )

( Above 12k Basic Income )
15 years  –  HDMF Amort :  5,161.43  =  Income /Monthly :  14,746.94
20 years –  HDMF Amort :  4,434.09 =  Income /Monthly :  12,688.83
25 years –  HDMF Amort :  4,024,35  =  Income /Monthly :   11,498.14
30 years –  HDMF Amort :  3,771.62   =  Income /Monthly :   10,776.06

NET INCOME should not be below 5K after HMDF amort. and AF installment

( 12k & Below Basic Income )
15 years  –  HDMF Amort :  4,202.09  =  Income /Monthly :  12,005.97
20 years –  HDMF Amort :  3,420.19   =  Income /Monthly  :   9,771.97
25 years –  HDMF Amort :   2,957.96  =  Income /Monthly :     8,451.31
30 years –  HDMF Amort  :  2,655.47   =  Income /Monthly :    7,587.06

NET INCOME should not be below 5K after HMDF amort. and AF installment

WATER  CONNECTION
*  Buyer to apply at Balamban Water District
*  Main office in Poblacion , Balamban
*  Estimated Connection Fee :  2,500.00

POWER CONNECTION
*  Buyer to apply individually at CEBECO
*  Main office in Aliwanay, Balamban
*  Buyer must attend seminar every Mon-Wed – Friday at 9am except , if the said days will fall on the      1st to 4th of the month
*  Estimated Membership Fee :  117,00
*  Estimated Installation Fee :  3,500.00

INHOUSE FINANCING:
Model :  Natalia
Lot Area :  49 sq. m.

Package Price :  580,000.00
Down payment :  105,000.00
Reservation Fee :  5,000.00
Total Downpayment :  100,000.00 ( payable 3 mos. to pay )
Balance :  475,000.00

Balance will be charged 9.5% interest in diminishing method
Monthly starts after Down payment

Term :
5 years / Monthly :   9,975.88  =  Net Monthly Income :  15,347.51
4 years / Monthly  :  11,933.49 =  Net Monthly Income :  18,359.22
3 years / Monthly  :  15,215.65  =  Net Monthly Income :  23,409.69
2 years / Monthly  :  21,809.38  =  Net Monthly Income : 33,552.89
1 year  / Monthly  :    41,649.67 =  Net Monthly Income : 64,076.42

SAMPLE SCHEDULE OF PAYMENTS :
Reservation date :  06-19-2023 =  10,000.00
Downpayment starts from : 09-28-2923  –  :  09-28-2023 :  100,000.00

Loan Balance Amort ( 60 mos. )  from : 10-03-2023 –  To :  09-03-2028 :  9,975.88

AF 1 ( 8 mos. to pay ) from :  07-03-2023 –  To :  02-03-2024 :  2,500.00

AF 2 ( 20 mos. to pay ) from :  03-03-2024 –  To :  02-03-2024 :  2,500.00

ADDITIONAL FEES :
* Notarial Fees
*  Advance Realty Tax ( 5 years )
*  Processing Fee / VAT
*  Other govn’t agencies fees

Total ( approximate only ) :  68,000.00
Less : Downpayment :  5,000.00
Balance :  63,000.00

Addtl 1 :  20,000.00  ( 8 mos. to pay :  2,500.00 )

Addtl 2 ( w/9.5% int. per annum in diminishing method :  46,663.60 )
20 mos. to pay :  2,333.18

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.

WATER  CONNECTION:
*  Buyer to apply at Balamban Water District
*  Main office in Poblacion , Balamban
*  Estimated Connection Fee :  2,500.00

POWER CONNECTION:
*  Buyer to apply individually at CEBECO
*  Main office in Aliwanay, Balamban
*  Buyer must attend seminar every Mon-Wed – Friday at 9am except , if the said days will fall on the      1st to 4th of the month
*  Estimated Membership Fee :  117,00
*  Estimated Installation Fee :  3,500.00

REQUIREMENTS FOR INHOUSE FINANCING :
*  Proof of Income
*  Post dated Cheques ( PDC ) for monthly payments
*  2 valid ID’s ( at least 1 gvnt’t issued ) w/ spouse
*  Marriage Contract / Birth Certificate
*  Special Power of Atty ( SPA ) , if applicable
*  2 valid ID’s ( at least 1 govn’t issued  ) of SPA
*  Latest Proof of Billing w/ Certification , if borrowed
*  TIN ID or ITR  

1 STOREY ROWHOUSE

Lot Area : 48 sq. m.
All Units are Bare Units

SAMPLE COMPUTATION AS OF MARCH 2023

Model :  Natalia ( Bare Unit )
Type :  Bungalow
Lot Area :  48 sq. m.
House & Lot Price :  580,000.00
Less : Reservation Fee :  5,000.00
Est. HDMF take out :  572,125.00
Total Equity :  2,875.00
Loanable :  575,000.00
Appraised Value :  784.100.00
Actual Buyer Applied :  575.000.00

ADDITIONAL FEES :
HDMF Filing Fee :  
Notarial Fees

Other Charges by Govn’t Agencies
AMOUNT :  68,000.00
Less:  Down payment:  5,000.00
Balance :  63,000.00
AF 1 month :  20,000.00
AF 2 months to pay :  46,663.60
9.5% int. per annum in diminishing method

SAMPLE SCHEDULE OF PAYMENTS:
Reservation Date :  07-20-2023  =  5,000.00
Processing Date :   08-20-2023   =  5,000.00

Equity date on :   09-20-20213  =  2,875.00

AF 1 ( 8 m0s. ) from :  10-20-2023 –  T0 :  05-20-2024  =  2,500.00

AF 2 ( 20 m0s. ) from :  06-20-2024 –  To :  01-20-2026  =  2,333.18
Due Date every 20th day of the month

MONTHLY AMORTIZATIONS :
3 years repricing :  ( 6.250% interest per annum for above 12k Basic Monthly Income )
5 years repricing :  ( 3% interest per annum for 12k & below Basic Monthly Income )

( Above 12k Basic Income )
15 years  –  HDMF Amort :  5,161.43  =  Income /Monthly :  14,746.94
20 years –  HDMF Amort :  4,434.09 =  Income /Monthly :  12,688.83
25 years –  HDMF Amort :  4,024,35  =  Income /Monthly :   11,498.14
30 years –  HDMF Amort :  3,771.62   =  Income /Monthly :   10,776.06

NET INCOME should not be below 5K after HMDF amort. and AF installment

( 12k & Below Basic Income )
15 years  –  HDMF Amort :  4,202.09  =  Income /Monthly :  12,005.97
20 years –  HDMF Amort :  3,420.19   =  Income /Monthly  :   9,771.97
25 years –  HDMF Amort :   2,957.96  =  Income /Monthly :     8,451.31
30 years –  HDMF Amort  :  2,655.47   =  Income /Monthly :    7,587.06

NET INCOME should not be below 5K after HMDF amort. and AF installment

WATER  CONNECTION
*  Buyer to apply at Balamban Water District
*  Main office in Poblacion , Balamban
*  Estimated Connection Fee :  2,500.00

POWER CONNECTION
*  Buyer to apply individually at CEBECO
*  Main office in Aliwanay, Balamban
*  Buyer must attend seminar every Mon-Wed – Friday at 9am except , if the said days will fall on the      1st to 4th of the month
*  Estimated Membership Fee :  117,00
*  Estimated Installation Fee :  3,500.00

INHOUSE FINANCING:
Model :  Natalia
Lot Area :  49 sq. m.
Package Price :  580,000.00
Down payment :  105,000.00
Reservation Fee :  5,000.00
Total Downpayment :  100,000.00 ( payable 3 mos. to pay )
Balance :  475,000.00

Balance will be charged 9.5% interest in diminishing method
Monthly starts after Down payment

Term :
5 years / Monthly :   9,975.88  =  Net Monthly Income :  15,347.51
4 years / Monthly  :  11,933.49 =  Net Monthly Income :  18,359.22
3 years / Monthly  :  15,215.65  =  Net Monthly Income :  23,409.69
2 years / Monthly  :  21,809.38  =  Net Monthly Income : 33,552.89
1 year  / Monthly  :    41,649.67 =  Net Monthly Income : 64,076.42

SAMPLE SCHEDULE OF PAYMENTS :
Reservation date :  06-19-2023 =  10,000.00
Downpayment starts from : 09-28-2923  –  :  09-28-2023 :  100,000.00

Loan Balance Amort ( 60 mos. )  from : 10-03-2023 –  To :  09-03-2028 :  9,975.88

AF 1 ( 8 mos. to pay ) from :  07-03-2023 –  To :  02-03-2024 :  2,500.00

AF 2 ( 20 mos. to pay ) from :  03-03-2024 –  To :  02-03-2024 :  2,500.00

ADDITIONAL FEES :
* Notarial Fees
*  Advance Realty Tax ( 5 years )
*  Processing Fee / VAT
*  Other govn’t agencies fees

Total ( approximate only ) :  68,000.00
Less : Downpayment :  5,000.00
Balance :  63,000.00

Addtl 1 :  20,000.00  ( 8 mos. to pay :  2,500.00 )

Addtl 2 ( w/9.5% int. per annum in diminishing method :  46,663.60 )
20 mos. to pay :  2,333.18

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.

WATER  CONNECTION:
*  Buyer to apply at Balamban Water District
*  Main office in Poblacion , Balamban
*  Estimated Connection Fee :  2,500.00

POWER CONNECTION:
*  Buyer to apply individually at CEBECO
*  Main office in Aliwanay, Balamban
*  Buyer must attend seminar every Mon-Wed – Friday at 9am except , if the said days will fall on the      1st to 4th of the month
*  Estimated Membership Fee :  117,00
*  Estimated Installation Fee :  3,500.00

REQUIREMENTS FOR INHOUSE FINANCING :
*  Proof of Income
*  Post dated Cheques ( PDC ) for monthly payments
*  2 valid ID’s ( at least 1 gvnt’t issued ) w/ spouse
*  Marriage Contract / Birth Certificate
*  Special Power of Atty ( SPA ) , if applicable
*  2 valid ID’s ( at least 1 govn’t issued  ) of SPA
*  Latest Proof of Billing w/ Certification , if borrowed
*  TIN ID or ITR  

 NOTE :
*  Buyer to apply at Balamban Water District
*  Main Office in Poblacion Balamban
*  Estimated Connection Fee 2,500.00

POWER CONNECTION :
*  Buyer to apply individual at CEBECO
*  Main Office in Aliwanay, Balamban
*  Buyer must attend seminar every Mon-Wed-Fri at 9am except, if the said days will fall on the 1st to 4th month 
* Estimated Membership Fee :  117.00
*  Estimated Installation Fee :  3,500.00

SUBDIVISION MAP AS OF FEB., 2025

REQUIREMENTS :

LOCATION MAP

For more info & for site viewing:
Pls. Contact:  

CAROL N. CALIBO
Investment Manager
MauRealty & Brokerage
HLURB-CVRFO-A-11/18-0514

email ad:        carol_calibo16@yahoo.com
gmail:               carolina.calibo16@gmail.com

Tel:                    (032)516-5441 / (032)427-7611
Sun:                  +639255003410 / +639329691358
Globe:              +639176207235

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