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10:18 AM
Joil Ocay
Bf City Homes2 Cebu, located at Buhisan Road, Brgy Buhisan, Cebu City.
Ultimately it's a one of kind developments throughout Cebu City area with such amazing very low price of real estate property. Imagine when living a home right along with the public transportation, your day to day lives would feel very convenient and comfortable.
Model House 2 Scheme:
( High ceiling finished unit ready for 2 storey )
1-Storey, 2 Bedroom, 1 Comfort Rooms
Lot Area: 40 sq. m., Floor Area: 27 sq. m. More or Less
Terms of Payment: Sample Computation
BANK FINANCING
Total Contract Price: Php 1,500,000.00
Reservation Fee: Php 30,000.00
20% Equity/Downpayment: Php 300,000.00
Less Reservation Fee: Php 30,000.00
Php 270,000.00
Plus Misc. Fee Php 100,000.00
Net Equity/Downpayment: Php 370,000.00 ( 30 months to pay 0 interest )
30 months to pay: Php 12,333.33/month
80% Principal Balance: Php 1,200,000.00( BPI rate @ 6% per annum fixed for one year only )
20 years to pay = Php 8,597.17/mo. ( Couple gross income required is Php 28,656.00/mo.; age limit less than 45 years old )
15 years to pay = Php 10,126.28/mo. ( Couple gross income required is 33,753.00/mo.; age limit less than 50 years old )
PAG-IBIG FINANCING
Total Contract Price: Php 1,500,000.00
Reservation Fee: Php 30,000.00
Equity/Downpayment: Php 600,000.00
Less Reservation Fee: Php 10,000.00
Php 590,000.00
Plus Misc. Fee Php 100,000.00
Net Equity/Downpayment: Php 690,000.00 ( 30 months to pay 0 interest )
30 months to pay: Php 23,000.00/month
Principal Balance: Php 900,000.00 ( PAG-BIG rate @ 6.985 % per annum fixed for three years )
30 years to pay = Php 5,978.66/mo. ( Couple gross income required is Php 17,000.00/mo.; age limit less than 45 years old )
25 years to pay = Php 6,352.40/mo. ( Couple gross income required is 18,148.00/mo.; age limit less than 50 years old )
20 years to pay = Php 6,969.59/mo. ( Couple gross income required is 19,911.00/mo.; age limit less than 55 years old )
IN-HOUSE FINANCING
Total Contract Price: Php 1,500,000.00
Less Reservation Fee: Php 30,000.00
Php 1,470,000.00
30% Downpayment: Php 441,000.00 ( 30 months to pay 0 interest )
30 months to pay: Php 14,700.00/month
70% Balance: Php 1,029,000.00 Plus Misc. Fee 100,000.00 ( 5 years to pay )
*5 years to pay = Php 32,479.03/mo.
NOTE: Ammortizations above are exclusive of Mortgage Redemption and Fire Insurances.
Model House 1 Scheme: ( Finished Unit )
2-Storey, 3 Bedrooms, 3 Comfort Rooms, Sliding Doors, Sliding windows, Tiled Floors
Lot Area: 65 Square Meters
Floor Area: 105 Square Meters More or Less
Terms of Payment: Sample Computation
BANK FINANCING
Total Contract Price: Php 3,400,000.00
Reservation Fee: Php 50,000.00
20% Equity/Downpayment: Php 680,000.00
Less Reservation Fee: Php 50,000.00
Php 630,000.00
Plus Misc. Fee Php 100,000.00
Net Equity/Downpayment: Php 730,000.00 ( 30 months to pay 0 interest )
30 months to pay: Php 24,333.33/month
80% Principal Balance: Php 2,720,000.00( BPI rate @ 6% per annum fixed for one year only )
20 years to pay = Php 19,486.92/mo. ( Couple gross income required is Php 64,953.00/mo.; age limit less than 45 years old )
15 years to pay = Php 22,952.91/mo. ( Couple gross income required is Php 76,506.00/mo.; age limit less than 50 years old )
PAG-IBIG FINANCING ( Unofficial appraise amount below probably lower than 70% )
Total Contract Price: Php 3,400,000.00
Reservation Fee: Php 50,000.00
30% Equity/Downpayment: Php 1,020,000.00
Less Reservation Fee: Php 50,000.00
Php 970,000.00
Plus Misc. Fee Php 100,000.00
Net Equity/Downpayment: Php 520,000.00 ( 30 months to pay 0 interest )
30 months to pay: Php 35,670.00/month
70% Principal Balance: Php 2,380,000.00 ( PAG-BIG rate @ 6.987 % per annum fixed for three years )
30 years to pay = Php 15,810.23/mo. ( Couple gross income required is Php 52,700.00/mo.; age limit less than 45 years old )
25 years to pay = Php 16,798.58/mo. ( Couple gross income required is Php 55,993.00/mo.; age limit less than 50 years old )
20 years to pay = Php 18,430.69/mo. ( Couple gross income required is Php 61,433.00/mo.; age limit less than 55 years old )
In-House Financing Computation (5 years):
Total Contract Price: Php 3,400,000.00
Less Reservation Fee: Php 50,000.00
Php 3,350,000.00
30% Downpayment: Php 1,005,000.00 ( 30 months to pay 0 interest )
30 months to pay: Php 33,500.00/month
70% Balance: Php 2,345,000.00 Plus Misc. Fee Php 100,000.00 ( 5 years to pay )
*5 years to pay = Php 70,337.68/mo.
NOTE: Ammortizations above are exclusive of Mortgage Redemption and Fire Insurances.
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