DREAM Properties PH by Rodge H. Aguilar

24/05/2024

"Discover Your Dream Home Today🏡✨"
💥for only 15k+ per month

Landmarks/Accessibility
🚘3 minutes going to Sta. Lucia Mall
🚘4 minutes going to Airport

Name of the Project: Camella Davao
Location: Communal Buhangin Davao City

👉Arielle Duplex
🏖️Floor Area: 36 sqm
🏖️Lot Area: 63 sqm
🏖️2 Bedrooms
🏖️1 Toilet & Bath
🏖️Living Area
🏖️Dining Area
🏖️Kitchen Area

SAMPLE COMPUTATION
1. Total Contract Price: Php 3,992,250.00
2. Reservation Fee: Php 20,000
3. Equity/Downpayment: Php 399,225 payable for 24 months Php 15,801/month
4. Estimated Loanable Amount: Php 3,793,025.00

Estimated Bank Loan Computation
*20 years @ Php 31,726/month
*15 years @ Php 36,248/month
*10 years @ Php 46,025/month

👉Criselle
🏖️Floor Area: 40 sqm
🏖️Lot Area: 68 sqm
🏖️2 Bedrooms
🏖️1 Toilet & Bath
🏖️Living Area
🏖️Dining Area
🏖️Kitchen Area

SAMPLE COMPUTATION
1. Total Contract Price: Php 4,323,500.00
2. Reservation Fee: Php 20,000
3. Equity/Downpayment: Php 432,350 payable for 24 months Php 17,181/month
4. Estimated Loanable Amount: Php 4,091,150.00

Estimated Bank Loan Computation
*20 years @ Php 34,220/month
*15 years @ Php 39,097/month
*10 years @ Php 49,637/month

AMENITIES
🧑‍✈️24/7 Security
🚃Shuttle Service
🌊Infinity Pool
🏀Basketball Court
🪻Lush Parks
🚴Children's Playground

15/05/2024

"Unveil your dream home with us🏡"
💥for only 24k+ per month

🚘3 minutes going to Sta. Lucia Mall
🚘4 minutes going to Davao Airport

Name of the Project: Camella Davao
Location: Communal Buhangin, Davao City

👉Arielle
🍭Floor Area: 46 sqm
🍭Lot Area: 69 sqm
🍭2 Bedrooms
🍭1 Toilet & Bath
🍭Living Area
🍭Dining Area
🍭Kitchen Area

SAMPLE COMPUTATION
1. Total Contract Price: Php 5,018,000.00
2. Reservation Fee: Php 30,000
3. Equity/Downpayment: Php 627,250 payable for 24 months Php 24,885/month
4. Estimated Loanable Amount: Php 4,390,750.00

Estimated Bank Loan Computation
*20 years @ Php 39,505/month
*15 years @ Php 44,534/month
*10 years @ Php 55,620/month
*5 years @ Php 91,145/month

👉Bella
🍭Floor Area: 53 sqm
🍭Lot Area: 88 sqm
🍭2 Bedrooms
🍭2 Toilet & Bath
🍭Living Area
🍭Dining Area
🍭Kitchen Area

SAMPLE COMPUTATION
1. Total Contract Price: Php 6,499,750.00
2. Reservation Fee: Php 30,000
3. Equity/Downpayment: Php 974,963 payable for 24 months Php 39,373/month
4. Estimated Loanable Amount: Php 5,524,788.00

Estimated Bank Loan Computation
*20 years @ Php 49,708/month
*15 years @ Php 56,036/month
*10 years @ Php 69,986/month
*5 years @ Php 114,686/month

AMENITIES
🌊Swimming Pool
🏀Basketball Court
🏫Function Hall
🚴Kids Playground

15/02/2024

"Discover a new way of life, through luxury living🏙️✨"
💥for only 5k+ per month

🚘1 minute going to SM Lanang
🚘1 minute going to Lanang Premiere Doctors Hospital

Name of the Project: Destine Davao
Location: J.P. Laurel, Lanang, Davao City

👉Studio Unit
🔖Floor Area: 22 sqm
🔖Bed Area
🔖1 Toilet & Bath
🔖Living Area
🔖Dining Area
🔖Kitchen Area

SAMPLE COMPUTATION
for studio unit
1. Total Contract Price: Php 4,463,636.75
2. Reservation Fee: Php 10,000
3. Equity/Downpayment: Php 771,146.43 payable for 80 months Php 9,639.31/month
STEP UP COMPUTATION
1st Tranche Php 5,508.12
2nd Tranche Php 9,639.21
3rd Tranche Php 14,458.81
4. Estimated Loanable Amount: Php 3,570,909.4

Estimated Bank Loan Computation
*20 years @ Php 27,685/month
*15 years @ Php 32,096/month
*10 years @ Php 41,461/month
*5 years @ Php 70,708/month

👉1 Bedroom Unit
🔖Floor Area: 27 sqm
🔖1 Bedroom
🔖1 Toilet & Bath
🔖Living Area
🔖Dining Area
🔖Kitchen Area

SAMPLE COMOUTATION
for 1bedroom unit
1. Total Contract Price: Php 5,853,900.47
2. Reservation Fee: Php 10,000
3. Equity/Downpayment: Php 1,160,780.09 payable for 80 months Php 14,509.75/month
STEP UP COMPUTATION
1st Tranche Php 8,291.29
2nd Tranche Php 14,509.75
3rd Tranche Php 21,764.63
4. Estimated Loanable Amount: Php 4,683,120.37

Estimated Bank Loan Computation
*20 years @ Php 36,308/month
*15 years @ Php 42,093/month
*10 years @ Php 54,375/month
*5 years @ Php 92,731/month

AMENITIES
🌊Kiddie Pool
🌊Lap Pool
🌊Pool Bar
🚴Playground
🏋️Fitness Gym
🎞️Theater
🪴Land Scape

11/02/2024

𝙎𝙄𝙀𝙍𝙍𝘼 𝙂𝙍𝘼𝙉𝘿𝙀 𝙍𝙀𝙎𝙄𝘿𝙀𝙉𝘾𝙀𝙎🏡
Located @ CATALUNAN GRANDE, DAVAO CITY

𝙋𝙍𝙀-𝙎𝙀𝙇𝙇𝙄𝙉𝙂‼️𝙋𝙍𝙀-𝙎𝙀𝙇𝙇𝙄𝙉𝙂‼️

📌 TWO STOREY SINGLE-DETACHED
✅ GIDEON
✅ MAELLE
✅ JULIAN
✅ MADI
📌TWO STOREY TOWN HOUSE
✅ TARA
✅ YSLA
📌BUNGALOW
✅ WALING-WALING
✅ TULIP
✅ CATTLEYA
✅ GARDENIA

𝙉𝘼𝙆𝘼 𝙋𝙍𝙊𝙈𝙊 𝙋𝘼 𝘼𝙏𝙊 𝙀𝙌𝙐𝙄𝙏𝙔‼️

📌10k Reservation only
📌Promo Straight monthly or Step-up Equity
📌Location: Catalunan Grande, Davao City
📌15 mins. going to Vista Mall Mintal

📍Available 2 to 4 Bedrooms
📍Available 1 to 3 Toilet and bath
📍With Carport
📍With Balcony
📍Service Area
For Details, Free viewing & Reservations:
📲 Pm or Contact: 0999 596 2327 / 0965 793 2756 (WhatsApp & Viber)

27/01/2024

MUST READ
DAGDAG KAALAMAN 🧐

Real Estate 101 (Transfer of Title; From mother Title to individual Subdivided Lot)

The duration of the Transfer Process depends on the Nature and Origin of the Title.

In most cases, the ”Mother” title or the title that covers the entire property is usually under the name of the deceased parents or relatives of the Seller. This scenario takes the longest time to process. To wit:

1. Ex*****on of the EXTRAJUDICIAL SETTLEMENT OF ESTATE either for Partition or Sale. The ex*****on may take time because it requires the presence of all the heirs who have shares or interest of the property.

2. Next would be the Publication of the ExtraJudicial Settlement of Estate and the Processing and Payment of the Estate Tax.

3. Simultaneously, if the heirs agreed to a certain partition , they must Hire a competent Geodetic Engr., to survey and plot the Subdivision plan based on the agreed partition. Then, it will be submitted to DENR for approval. (This will usually take 3-12 months depending on the DENR.)

4. Upon completing the Publication Requirements, the heirs can now proceed with the BIR to settle the estate tax and wait for eCar to be released. (Usually 3-6 weeks)

5. Once the eCar is released, you may now proceed to the Registry of Deeds to update the Title. From the Old Title named after the deceased parents to the HEIRS.

6. Once the DENR will release the approval of the Partition/Subdivision plan, the heirs may now proceed to the Registry of Deeds (ROD) to apply for the Splitting of Title. This may take up to 6 weeks.

7. After the Titles are individualized and released, the heirs may now proceed to the Assesors for assessment, inspection and issuance of individual Tax Declaration.

8. Note: properties under estate taxes and subdivided among heirs will be annotated with encumbrances for its Liabilities under Sec. 4 Rule 74 for 2 years. This is a protection to all the heirs or creditors that are not aware or not uncluded in partition.

9. If you buy a portion of this property, you may now start the Transfer Process which may include the ff:

9A. Ex*****on of the final Deed of Sale with Title no. And description of the actual portion.

9B. Payment of Capital Gains Tax, Documentary Stamp Tax and other transfer Fees.

9C. After settling the BIR transfer Tax, you may now obtain your eCAR from from the BIR. (3-8 weeks)

9D. Once the eCAR is available, you may now proceed to the ROD for the transfer of title. (3-8 weeks)

9E. After the Release of the Title, you have to proceed to the Assessors office for inspection, assessment and issuance of new Tax Declaration.

The entire processing usually take 18-36 months depending on fast you can comply with all the requirements.

-Ctto-

25/01/2024

PAG-IBIG HOUSING LOAN TIPS

If kumuha ka ng house sa subdivision through PAG-IBIG, take note of these tips:

💎Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

💎Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal. I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34 Monthly Amortization:

P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal 😭
= P9,555.34 total monthly Amortization

Diba ang liit ng kaltas sa principal. Ang laki ng bayad sa interest. 😭

💎This is how you compute your monthly interest. Bigay ko na example yung amin.

1.6M = principal (total amount ng utang namin)
5.375% = annual interest
divided by 12 months

1.6M x 5.375% ÷ 12 = P7,166.67

That's why, it is highly recommended to pay in advance sa principal mismo if you have extra money para lumiit din ang interest na binabayaran mo. For example, after 5 years, 1M na lang principal mo so 1M x 5.375% ÷ 12 = P4,479.17

Di bababa ang monthly amortization mo BUT because smaller na ang interest, BIGGER na ang kaltas sa principal mo.

💎If you have extra money and you want to pay in advance, go directly to pag-ibig office and sabihin EXCESS TO PRINCIPAL yung payment mo.

---For example, magbabayad ka ng 50k and
10k ang monthly amortization,
the excess which is 40k will be deducted directly sa principal amount mo. So nakabayad ka na ng monthly Amortization, nabawasan pa principal mo.

💎Iwasan mag advance payment sa monthly amortization sa bayad centers. Mababa lang nababawas nyan sa principal mo. Bayad ka na lang sa principal.

---For example, if nag bayad ka sa payment centers ng 50k for your monthly amortization, meaning you don't need to pay for 5 months kasi nag advance ka na sa monthly amortization mo. Pero ang liit lang ng kaltas nyan sa principal mo.

You can pay the principal ONLY IN PAG-IBIG OFFICE not in bayad centers.

💎For example, nakabayad ka na ng monthly mo sa bayad center last April 1 tapos may extra money ka pala before your due date and you want to pay in advance, pwede pa yan. Punta ka ng pagibig office and say you'll pay DIRECT TO PRINCIPAL. Para whole amount na mabayad sa principal.

That's based on my experience and based sa sabi ng staff sa pagibig. If you have other tips, please share it. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang. God bless mga kapitbahay. 😁



Ctto

25/01/2024

09/01/2024

📍Astana Subdivision - Matina Pangi, Diversion Road, Davao City
🏷 5 units left ‼️

Mapuy-an dayun in just 3-4months 😍

📢 100% FLOOD FREE

Landmarks:
-Mapua/Malayan School
-Ateneo SHS
-UM Matina
-NCCC Centerpoint Matina

- Reservation fee- 20k

- Total Downpayment to move-in is 60k payable up to 8 months (7,500 monthly)

- Estimated monthly amortization:
Inner unit- 25k
Corner unit- 32k-37k

Promo for this Month:
✅250k discount for end/corner units
✅30k Gift certificate upon loan takeout
✅35k Cash upon loan takeout
✅Free Move-in fees
✅Free Bank Charges

Saved almost 500k 😍

Pag reserve na before ma sold out tanan atung project.

For details/reservation, please message or call:
👉 📞📲 09657932756

18/12/2023

🎙️READY FOR OCCUPANCY (RFO ) ALERT..🎙️RFO ALERT..🎙️

📣 For only Php. 7510/Monthly Equity or Php. 60,080 Downpayment pwde naka mopuyo dayun. Pinaka doul sa Downtown Area😍😍😍
📌 Astana Subdivision Davao: Two-Storey Townhouse
Address: Matina Pangi, Davao City (5-7 Minutes from Matina Center Point)
Few units left!! 📣📣📣
✅ Reserve lang- 20K
✅ Equity Php. 7,510/ Month (8 Months)
✅ Php. 250K Outright Discount for End/Corner Unit
📌FREE 30K WORTH OF APPLIANCE GIFT CERTIFICATES !!!
📌FREE 35K WORTH OF CASH !!!
📌FREE MOVE-IN FEES !!!
📌FREE BANK CHARGES !!!
🔰PROVISION OF 3BR | 1CR | Spacious Parking Space | Service Area

Ayaw na paghulat sa Pre-selling na years pa mapuy-an kay naa natay RFO Unit nga parehas ra ug presyo sa naka Pre-selling!

For inquiries/reservation, message or call.
Rodge Aguilar
Real Estate Salesperson
Mobile: +63 999 596 2327 (Smart) / +63 976 240 4004 (Gomo)
Email: [email protected]
PRC Reg. # 21506 valid until 08-07-2025
DHSUD #: XI-A-2023/08-1675

16/09/2023

🎙️READY FOR OCCUPANCY (RFO ) ALERT..🎙️RFO ALERT..🎙️
"Find your Dream Home and Create lasting Memories in this Captivating House & Lot🔑🏠."
🪙 for only 7k+ per month you can have your own...
🚘4 minutes going to Hilltop View Deck
🚘12 minutes going to Matina Pangi Elementary School

Name of the Project: Astana Subdivision
Location: Matina Pangi, Davao City

SAMPLE COMPUTATION
🏜️1. Total Contract Price: Php 3,324,000.00
🏜️2. Reservation Fee: Php 20,000
🏜️3. Equity/Downpayment: Php 60,000 payable for 8 months Php 7,500/month
🏜️4. Estimated Loanable Amount: Php 3,244,000.00
Estimated Bank Loan Computation
*20 years @ Php 24,995/month
*15 years @ Php 28,978/month
*10 years @ Php 37,433/month
*5 years @ Php 63,839/month
AMENITIES
🏀Convertible Court (Basketball,Volleyball)
🏫Multi-purpose Hall
🚴Parks and Playground
🧑‍✈️24 Hour Security

CONTACT US for more details and site viewing.
Roger H. Aguilar
Real Estate Salesperson
Mobile: +63 999 596 2327
Email: [email protected]
PRC Reg. # 21506 valid until 08-07-2025
DHSUD #: XI-A-2023/08-1675 valid until 12-31-2023