Latest Properties
Real Estate Salesperson 
Carol N. Calibo
Real Estate Sales Director
HLURB-CVRFO-A-000514-2017
Tel # (032) 516-5441
cell # (+63) 9329691358
(+63) 09176207235
(+63) 09255003410
carol_calibo16@yahoo.com
carolina.calibo16@gmail.com
Carol N. Calibo
Real Estate Sales Director
HLURB-CVRFO-A-000514-2017
Tel # (032) 516-5441
cell # (+63) 9329691358
(+63) 09176207235
(+63) 09255003410
carol_calibo16@yahoo.com
carolina.calibo16@gmail.com
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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
