Olivarez Homes Southwoods City

31/08/2021

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. 😁





Please visit the nearest PAG IBIG office
in your locality to address your concerns. 🙂
Kasi iba iba po yung cases ninyo. Thank you!

19/08/2021

Get to know us 😊

Last year, despite the pandemic and difficulties. JCRZ Realty overcome the adversity by continuing it’s mission to provide quality service to it’s client and sellers. That’s why the company was awarded as Best Real estate Marketing company by Golden Globe Annual Awards for business excellence. service by year 2020 🧡

Thank you continuous trust & love our dear clients.
May God bless you all. Stay safe 🙏🏻😊

“Growth and progress never come easy. It will be messy. It certainly is uncomfortable. It can even make you doubt yourself. But all these are necessary if we want to level up; to do better and become better. It is a necessary process we have to go through no matter what the seasons of life are.”




“Builder of a better future”

09/08/2021

https://www.facebook.com/100000121620671/posts/6469857476361576/?d=n

Helpful tips on how to buy property in the Philippines during pandemic.

Advance congratulations for pursuing your dream home. May God guide you our dear clients for your successful & smooth transaction 🧡😊

04/08/2021

Olivarez Homes Southwoods
Brgy San Francisco Halang Road Biñan Laguna

300meters away from Southwoods Exit!

Flexible payment terms
Inhouse
Bank
Pag Ibig

PEARL MODEL UNIT - Townhouse
COMPLETE TURNOVER
LA 62sqm
FA 71sqm
2BR
2T&B
Living area
Dinning area
Kitchen
Carport

Near Southwoods Mall, Robinsons Supermarket,Colegio de San Agustin, Manila Southwoods Golf & Country Club, Sto Niño De Cebu Parish Church and other establishments

For site tripping ans reservation call 09177440722

02/08/2021

📣📣📣OLIVAREZ HOMES SOUTHWOODS NOW OPEN AND ACCEPTING RESERVATIONS!

🏘MODEL UNIT AVAILABLE
✅ Pearl Townhouse unit
✅ Jade Duplex unit
✅ Ellie Single Detached

LOOKING FOR ACCESSIBLE LOCATION?
✅ less than 1km southwoods exit
✅ 1.5km to Southwoods mall, Robinsons Supermarket and Bus Terminal
✅accessible going to wet market
✅walking distance to church Sto Nino De Cebu Church
✅near 24/7 Mercury Drugs and Unihealth Southwoods Hospital

🗝🗝🗝 Welcome to Southwoods City

For more infor call 09177440722

27/07/2021

Hello, Just want to update you about our new project in Southwoods

‼️OLIVAREZ HALANG UPDATE‼️

1.LAUNCHING and release of final computation will be on Jul 28, 2021
2. Choosing of Block Lot and Acceptance of reservation fee is already on JULY 30, 2021 OPEN HOUSE.

If you are interested please prepare your requirements ahead of time.

Let me know if you have any questions
You may call 09177440722

27/07/2021

The long wait is Over!

Olivarez Homes Southwoods Biñan City

🏡Townhouse
🏠Duplex
🏡Single Attached
🏠Single Dettached

🏠Amenities:
🌊Swimming pool
🏀Basketball court
🏘️Clubhouse
⛹️‍♂️Park & playground

✅Strategically located along the National Highway San Francisco Road
✅Approximately less than 1KM distance from Southwoods SLEX exit
✅Close to hospitals, churches and schools
✅Bank financing, Pag-Ibig and In House Financing available

➡️Submission of “Letter of Intent” for priority in the Launching of this project are being accepted
✅2 Valid ID (Copy)
✅Signed Letter of Intent (LOI)

‼Nearby:
🏘 Markets
⛪ Churches
🏥 Hospitals
🏫 and other Business Etablishments

For site viewing & reservation
Call 09177440722

16/02/2021

Strategically located along the National Highway San Francisco Road approximately less than 1 km distance from Southwoods (SLEX) exit. At Olivarez Homes, we are committed to provide quality affordable homes for the Filipino family 🏡

A HOME OF YOUR OWN IN OLIVAREZ HOMES BINAN SOUTHWOODS LAGUNA LAUNCHING SOON

For more questions and inquiries, call or message our sales team at 09177440722

16/02/2021

A new city is rising in the south where you can LIVE,WORK,PLAY,LEARN & GOLF. Welcome to Southwoods City!