Construction - Residential,commercial, Atbp.

[NASTYMERLIN27]

hey. nice answer im an ofw , and im wondering what is ur opinion regarding known real estate company> u see na eenganyo ako bumili ng house and lot na promote nila like this company na 2 million pesos for a house and lot for about 90 sq meter? is it worth buying? it seems di naman ako magaling sa mga ganito? maayus ba ang paggawa nyan? sorry pero im just starting a family and i hope u help me and advice me kung anu ba ang proper way? thank you.. :goatee:

 

< REGARDING WHIP'S QUERIES >

 

1. im wondering what is ur opinion regarding known real estate company> u see na eenganyo ako bumili ng house and lot na promote nila like this company na 2 million pesos for a house and lot for about 90 sq meter?

< WELL...IF YOUR GOING TO WHISPER TO ME THE PLACE THAT WAS BEING OFFERED, MOST LIKELY I MAY HAVE ACTUALLY HANDLED THAT PARTICULAR SUBDIVISION OR HOUSING PROJECT...YOU COULD HAVE AT LEAST MENTIONED IT. A WORD OF CAUTION THOUGH, MARKETING IS QUITE AGGRESSIVE ON THIS TYPE OF REAL ESTATE DEALS, SO BE CAREFUL AT WHAT YOU MAY HEAR OR WHAT IS BEING OFFERED, KNOW THE LOCATION AND IF POSSIBLE HAVE SOMEONE YOU CAN TRUST TO SCAN THE AREA FOR YOU ( BAKA KASI BALAK MO SURPRISE ITO SA PAMILYA MO..WALA NG SILBI KUNG SILA MISMO ANG TITINGIN DI BA ) HAVE YOUR GUIDE ASK AROUND ON WHAT HAS THE AREA BEEN UP TO OR WHAT HAS BEEN DEVELOPED, IS THE DEVELOPER KEEPING HIS PART OF THE CONTRCT, ARE THE AMENITIES ACTUALLY IN EXISTANCE ( THIS IS IMPORTANT, THEY MIGHT SAY "THERE IS GOING TO BE A POOL & CLUBHOUSE" AS A MARKETING STRATEGY..YET IN THE END WALA PALANG POOL TALAGA..WAWA KA NMAN LUGI KAYO )

 

2.u see na eenganyo ako bumili ng house and lot na promote nila like this company na 2 million pesos for a house and lot for about 90 sq meter? is it worth buying?

< LOOK IF THE HOUSE DO LOOK LIKE 2M, AND THE AREA OF COURSE, AS THEY SAY..ITS ALWAYS LOCATION..LOCATION..LOCATION...THE LOT SIZE AND ACTUAL LIVING AREA OR HOUSE AREA IS DIFFERNT...YOU SHOULD KNOW THIS YOU MIGHT END UP HAVING A HOUSE THAT MIGHT END UP TOO SMALL FOR YOU..OR IT MIGHT BE THOSE "ROW HOUSES" AND YOU MAY NOT WANT THE TYPE OF NEIGHBORS..SO I SUGGEST YOU RESEARCH OR BETTER YET WRITE HERE IN THE FORUM.

 

, I'LL BE GIVING MORE INFO ON THIS AS SOON AS YOU GIVE ME ANWERES TO THE QUESTIONS THAT I'VE ASKED :thumbsupsmiley:

[whip]

hello again ang thank u for replying, yah, marami ako na receive na information about the house from reputed companies. oo nga pala ofw here in dubai as a private nurse, nag-iipon lang sa isang magandang bukas.. anyway here is the list of some companies who offered.kaya lang pansin ko yung iba mga realtor,na alam natin kaya mahal ang bahay dahil din sa kanilang commission..so medyo gagawa na lang ako ng continuation at dami kasi mga comapny ako na sulatan.

 

1) mary cris executive homes in malagasang imus cavite

The Newest Subdivision in Southern Portion of Metro Manila

Strategically located in the progressive town of Imus , Cavite .

This residential , commercial and recreational estate is a self-

contain community that harmonizes quiet country living with

the city-like comforts and convenience provided by Cavite ’s

developing towns.

 

Total Land Area : 7.2 hectare

Total no. of units : 560 units

 

European Designed Homes

Choice of 1 or 2 Level homes

3 Bedrooms 1 or 2 Toilet & Bath

 

Ready for Occupancy

Complete Interior Finishes

Fully Fence with Landscaping & Car Garage

 

European Style Homes

Single Storey or 2 Storey Townhouses

3 Bedrooms and 1 or 2 Toilet & Bath

Complete Interior and Exterior Finishes

Fully Fence with Landscaping & Car Garage

Ready for Occupancy Units

Offers 10 % Downpayment Only

Ready to Move In

 

The Community

Gate – guarded community

Existing Clubhouse

Existing Swimming Pool at Phase 4

Existing Basketball Court at Phase 4

Existing Basketball at Phase 5

Additional Basketball Court at Phase 5

Landscaped Children’s Playground

Concrete road network

Centralized water system

Meralco power supply

Underground drainage system

 

Accessibility

Dasmarinas and Imus town Proper

Aguinaldo Highway Via Golden City Imus, Cavite

 

Near Schools, Universities, Markets, Churches,

Hospitals, SM Malls and Robinson’s Malls

1 Hour to Makati ,1 hour to Tagaytay

45 minutes to NAIA

 

Austria Model 1 Storey

Lot Area - 72 sqm

Floor Area - 66 sqm

Price - Php 1,185,000

Reservation - Php 20,000

Dp in 6 mos.- Php16,416.67

MA in 15 yrs - Php 18,730.90

(in-house financing )

 

Belgium 1 Storey

Lot Area - 80.00 sqm

Floor Area - 72.50 sqm

Price - Php 1,340,000

Reservation - Php 20,000

Dp in 6 mos.- Php 19,000

MA in 15 yrs - Php 21,180.94

(in-house financing)

 

France Model 2 Storey

Lot Area - 72.00 sqm

Floor Area - 103.50 sqm

Price - Php 1,740,000

Reservation – Php 20,000

Dp in 6 mos.– Php 25,666.67

MA in 15 yrs- Php 27,503.60

(in-house financing)

 

nAkalimutan send yung mga design ng house...

[whip]

second company ng sent sa akin, medyo eto may pics ng house..

 

Dear Mr. Viason:

 

Sorry for the blank messages, its because of the mouse im using.

 

Please look into this house model "Rockingham". It seems to fit to your

requirement. Its a 110 sq meter floor area. For a value series specs the

total contract price of the house is Php 1.540M excluding fence and

landscaping. For the lot we can give you the best offer also which is at

Southfields Executive Village, located along Aguinaldo Highway, Dasmarinas,

Cavite. Its about 45 minutes travel from Alabang using Daang Hari. The

average cut is 150sqm and its total contract price is for only Php

375,000.00 or a total contract price of Php 1.915M. Other incidental

charges like Misc fees for the transfer of Title, utility connections and

cost to obtain necessary permits, ie. construction and bldg permits is

estimated at Php 76,650.00 or a Total contract price including misc fees of

Php 1,991,650.00.

 

What financing do you intent to use for this acquisition. Please find

attached list of modes of payment and checklist of documents should you want

to avail of the bank financing.

 

Looking forward to your reply soonest.

 

Kind regards,

 

Mel

 

 

IMELDA R. DOROJA

Narel Realty & Development Corporation

Joval Bldg., 52 National Road, Muntinlupa City

Tel +632-8611786 Fax +632-8611797

Cellphone No. 0920-9269201

Website www.narel.net

----- Original Message -----

From: "raphael viason" <rapps143@yahoo.com>

To: "Imelda Doroja" <irdoroja@narel.net>

Sent: Monday, May 28, 2007 10:22 PM

Subject: malaikum!!

 

 

> dear Ms. Doroja

> thank you for the reply, yes with regards to my

> questions. want i need for my growing family or vision

> i might prefer,

> 1)a lot area from 150 sq to 250 sq,

> 2) 2 storey house, with a terrace on the second flor

> 3) 3 bedspace on the second floor , 1 bed space for

> the 1st floor.

> 4) the design of the house outside must be simple and

> not that eye looking to everyone since i dont want to

> be robbed or burgalarize in the future!!!

> 5) a concrete or metal fence

> 6) a garden

> 7) a house that use the sunlight rather than the Bulb

> electricity, i did seen several house before usually

> made of glass window, and they save a lot in

> electricity bills!

> 8) before construction begins! " yung lupa taasan ng 2

> o 3 palapag" i guess i have truama with typhoon!!

> 9) the rest a good kitchen, Comfort Room, etc

>

> yes, thats it. tell me the price or quatation,or if u

> have an existing design send it to me. presently im

> looking for best offer.

> maybe in cavite i might prefer rather in las pinas!

>

> thank you( shukran)

> Mr. Viason

> --- Imelda Doroja <irdoroja@narel.net> wrote:

>

>> Dear Mr. Viason:

>>

>> Greetings from Narel Realty & Development

>> Corporation!

>>

>> Thank you for your interest in our company.

>>

>> Please give us your requirement for a house, is it a

>> 1 storey or a 2 storey

>> house. The procedure is, we will help you acquire

>> the lot and package it

>> with a house for construction. What is the range of

>> budget for both the lot

>> and the house?

>>

>> Looking forward to your reply. We are very much

>> willing to help you serve

>> your requirement.

>>

>> Sincerely,

>>

>> IMELDA R. DOROJA

>> Narel Realty & Development Corporation

>> Joval Bldg., 52 National Road, Muntinlupa City

>> Tel +632-8611786 Fax +632-8611797

>> Cellphone No. 0920-9269201

>> Website www.narel.net

 

 

ok naman eto , medyo pinag iisipan pa..

[whip]

lastly three other companies ang sumulat sa akin, yung AYALA LAND, FILINVEST AT CAMELLA HOMES, actually ok din yung site at ang house specially sa ayala although mga italian inspired design ang mahal nga lang, kaya lang bakit DAANG HARI sa boundary ng bulacan at las pinas? tama ba? yun, kasi mga brochure na hawak ko kaya di ko na masulat dito,

 

yun..

[redax]

Layo yang Bulacan, sa north yan. Daan Hari mga Muntinlupa, Las Pinas at Cavite boundaries nyan. Daan Hari kasi part nyan sa labas lang ng pader ng Ayala Alabang Subdivision.

[NASTYMERLIN27]

hello again ang thank u for replying, yah, marami ako na receive na information about the house from reputed companies. oo nga pala ofw here in dubai as a private nurse, nag-iipon lang sa isang magandang bukas.. anyway here is the list of some companies who offered.kaya lang pansin ko yung iba mga realtor,na alam natin kaya mahal ang bahay dahil din sa kanilang commission..so medyo gagawa na lang ako ng continuation at dami kasi mga comapny ako na sulatan.

 

1) mary cris executive homes in malagasang imus cavite

The Newest Subdivision in Southern Portion of Metro Manila

Strategically located in the progressive town of Imus , Cavite .

This residential , commercial and recreational estate is a self-

contain community that harmonizes quiet country living with

the city-like comforts and convenience provided by Cavite ’s

developing towns.

 

Total Land Area : 7.2 hectare

Total no. of units : 560 units

 

European Designed Homes

Choice of 1 or 2 Level homes

3 Bedrooms 1 or 2 Toilet & Bath

 

Ready for Occupancy

Complete Interior Finishes

Fully Fence with Landscaping & Car Garage

 

European Style Homes

Single Storey or 2 Storey Townhouses

3 Bedrooms and 1 or 2 Toilet & Bath

Complete Interior and Exterior Finishes

Fully Fence with Landscaping & Car Garage

Ready for Occupancy Units

Offers 10 % Downpayment Only

Ready to Move In

 

The Community

Gate – guarded community

Existing Clubhouse

Existing Swimming Pool at Phase 4

Existing Basketball Court at Phase 4

Existing Basketball at Phase 5

Additional Basketball Court at Phase 5

Landscaped Children’s Playground

Concrete road network

Centralized water system

Meralco power supply

Underground drainage system

 

Accessibility

Dasmarinas and Imus town Proper

Aguinaldo Highway Via Golden City Imus, Cavite

 

Near Schools, Universities, Markets, Churches,

Hospitals, SM Malls and Robinson’s Malls

1 Hour to Makati ,1 hour to Tagaytay

45 minutes to NAIA

 

Austria Model 1 Storey

Lot Area - 72 sqm

Floor Area - 66 sqm

Price - Php 1,185,000

Reservation - Php 20,000

Dp in 6 mos.- Php16,416.67

MA in 15 yrs - Php 18,730.90

(in-house financing )

 

Belgium 1 Storey

Lot Area - 80.00 sqm

Floor Area - 72.50 sqm

Price - Php 1,340,000

Reservation - Php 20,000

Dp in 6 mos.- Php 19,000

MA in 15 yrs - Php 21,180.94

(in-house financing)

 

France Model 2 Storey

Lot Area - 72.00 sqm

Floor Area - 103.50 sqm

Price - Php 1,740,000

Reservation – Php 20,000

Dp in 6 mos.– Php 25,666.67

MA in 15 yrs- Php 27,503.60

(in-house financing)

 

nAkalimutan send yung mga design ng house...

 

IN RELATION TO WHIP'S QUERIES

 

1.1) mary cris executive homes in malagasang imus cavite

The Newest Subdivision in Southern Portion of Metro Manila

Strategically located in the progressive town of Imus , Cavite .

This residential , commercial and recreational estate is a self-

contain community that harmonizes quiet country living with

the city-like comforts and convenience provided by Cavite ’s

developing towns

< FROM THIS STATEMENT BE REST ASSURED THAT THERE IS DEVELOPMENT, ITS JUST THAT ITS NOT THERE YET..SO YOU'LL HAVE TO WAIT FOR IT. >

 

European Designed Homes

Choice of 1 or 2 Level homes

3 Bedrooms 1 or 2 Toilet & Bath

 

Ready for Occupancy

Complete Interior Finishes

Fully Fence with Landscaping & Car Garage

< FROM THIS STATEMENT, BE SURE TO READ THE CONTRACT VERY CAREFULY..MOST LIKELY THIS COULD BE JUST A MARKETING PLOY TO LURE PROPSEPECTIVE BUYERS...AND BEWARE OF THE TYPE OF "FENCE & LANDSCAPING" THAT YOU WILL BE GETTING, ALSO INCLUDE THE OFFERS ON THE OTHER UNITS >

 

The Community

Gate – guarded community

Existing Clubhouse

Existing Swimming Pool at Phase 4

Existing Basketball Court at Phase 4

Existing Basketball at Phase 5

Additional Basketball Court at Phase 5

Landscaped Children’s Playground

Concrete road network

Centralized water system

Meralco power supply

Underground drainage system

< FROM THIS STATEMENT, BE SURE TO VERIFY IF THEY ARE ACTUALLY EXISTING AND IS OPERATIONAL ERGO..USABLE BY HOMEOWNERS...USUALLY THIS COULD BE JUST A MARKETING PLOY..SO PLEASE VERIFY IT PERSONALLY IF POSSIBLE..BECAUSE THEY MIGHT END UP AS PROMISES THAT COULD BE BROKEN >

 

Accessibility

Dasmarinas and Imus town Proper

Aguinaldo Highway Via Golden City Imus, Cavite

< SOUNDS PROMISING..BUT DO TAKE NOTE THAT ACCESS MEANS PASSING THRU ANOTHER VILLAGE..BETTER TAKE NOTICE OF THAT >

 

 

Austria Model 1 Storey

Lot Area - 72 sqm

Floor Area - 66 sqm

Price - Php 1,185,000

Reservation - Php 20,000

Dp in 6 mos.- Php16,416.67

MA in 15 yrs - Php 18,730.90

(in-house financing )

 

Belgium 1 Storey

Lot Area - 80.00 sqm

Floor Area - 72.50 sqm

Price - Php 1,340,000

Reservation - Php 20,000

Dp in 6 mos.- Php 19,000

MA in 15 yrs - Php 21,180.94

(in-house financing)

 

France Model 2 Storey

Lot Area - 72.00 sqm

Floor Area - 103.50 sqm

Price - Php 1,740,000

Reservation – Php 20,000

Dp in 6 mos.– Php 25,666.67

MA in 15 yrs- Php 27,503.60

(in-house financing)

< FINANCING SCHEME SHOWN IS THAT IF YOU PAY DIRECT TO THEM..BETTER CHECK IF YOU CAN AFFORD IT, AND ALSO ASK AROUND FROM THOSE LIVING IN THE AREA IF ITS A GOOD DEAL...MOST LIKELY IF THERE IS SOMETNG NEGATIVE ON IT..THEY WILL SURELY TELL >

 

 

MORE TO COME....

[NASTYMERLIN27]

second company ng sent sa akin, medyo eto may pics ng house..

 

Dear Mr. Viason:

 

Sorry for the blank messages, its because of the mouse im using.

 

Please look into this house model "Rockingham". It seems to fit to your

requirement. Its a 110 sq meter floor area. For a value series specs the

total contract price of the house is Php 1.540M excluding fence and

landscaping. For the lot we can give you the best offer also which is at

Southfields Executive Village, located along Aguinaldo Highway, Dasmarinas,

Cavite. Its about 45 minutes travel from Alabang using Daang Hari. The

average cut is 150sqm and its total contract price is for only Php

375,000.00 or a total contract price of Php 1.915M. Other incidental

charges like Misc fees for the transfer of Title, utility connections and

cost to obtain necessary permits, ie. construction and bldg permits is

estimated at Php 76,650.00 or a Total contract price including misc fees of

Php 1,991,650.00.

 

What financing do you intent to use for this acquisition. Please find

attached list of modes of payment and checklist of documents should you want

to avail of the bank financing.

 

Looking forward to your reply soonest.

 

Kind regards,

 

Mel

IMELDA R. DOROJA

Narel Realty & Development Corporation

Joval Bldg., 52 National Road, Muntinlupa City

Tel +632-8611786 Fax +632-8611797

Cellphone No. 0920-9269201

Website www.narel.net

----- Original Message -----

From: "raphael viason" <rapps143@yahoo.com>

To: "Imelda Doroja" <irdoroja@narel.net>

Sent: Monday, May 28, 2007 10:22 PM

Subject: malaikum!!

> dear Ms. Doroja

> thank you for the reply, yes with regards to my

> questions. want i need for my growing family or vision

> i might prefer,

> 1)a lot area from 150 sq to 250 sq,

> 2) 2 storey house, with a terrace on the second flor

> 3) 3 bedspace on the second floor , 1 bed space for

> the 1st floor.

> 4) the design of the house outside must be simple and

> not that eye looking to everyone since i dont want to

> be robbed or burgalarize in the future!!!

> 5) a concrete or metal fence

> 6) a garden

> 7) a house that use the sunlight rather than the Bulb

> electricity, i did seen several house before usually

> made of glass window, and they save a lot in

> electricity bills!

> 8) before construction begins! " yung lupa taasan ng 2

> o 3 palapag" i guess i have truama with typhoon!!

> 9) the rest a good kitchen, Comfort Room, etc

>

> yes, thats it. tell me the price or quatation,or if u

> have an existing design send it to me. presently im

> looking for best offer.

> maybe in cavite i might prefer rather in las pinas!

>

> thank you( shukran)

> Mr. Viason

> --- Imelda Doroja <irdoroja@narel.net> wrote:

>

>> Dear Mr. Viason:

>>

>> Greetings from Narel Realty & Development

>> Corporation!

>>

>> Thank you for your interest in our company.

>>

>> Please give us your requirement for a house, is it a

>> 1 storey or a 2 storey

>> house. The procedure is, we will help you acquire

>> the lot and package it

>> with a house for construction. What is the range of

>> budget for both the lot

>> and the house?

>>

>> Looking forward to your reply. We are very much

>> willing to help you serve

>> your requirement.

>>

>> Sincerely,

>>

>> IMELDA R. DOROJA

>> Narel Realty & Development Corporation

>> Joval Bldg., 52 National Road, Muntinlupa City

>> Tel +632-8611786 Fax +632-8611797

>> Cellphone No. 0920-9269201

>> Website www.narel.net

ok naman eto , medyo pinag iisipan pa..

 

CONTINUING ON WHIP'S QUERIES

 

BASED ON THE EMAIL QUERY:

From: "raphael viason" <rapps143@yahoo.com>

To: "Imelda Doroja" <irdoroja@narel.net>

Sent: Monday, May 28, 2007 10:22 PM

Subject: malaikum!!

> dear Ms. Doroja

> thank you for the reply, yes with regards to my

> questions. want i need for my growing family or vision

> i might prefer,

> 1)a lot area from 150 sq to 250 sq, < THIS IS POSSIBLE..BUT MOST LIKELY WHAT IS AVAILABLE IS WHAT THEY WILL OFFER YOU >

> 2) 2 storey house, with a terrace on the second flor < AS STATED WHAT IS AVAILABLE IS WHAT THEY WILL OFFER YOU >

> 3) 3 bedspace on the second floor , 1 bed space for

> the 1st floor. < THIS ONE WILL DEPEND ON THE MODEL AVALABLE..MOST LIKELY ONLY 2 BEDRMS ON THE 2ND FLOOR..STILL DEPENDING ON THE MODEL OFFERED AND IF ITS POSSIBLE TO RENOVATE >

> 4) the design of the house outside must be simple and

> not that eye looking to everyone since i dont want to

> be robbed or burgalarize in the future!!! < ON THIS ONE..I THINK YOU'RE THE ONE WHO HAS TO DO THE MODIFICATIONS IF YOU WANT TO SECURE YOUR PLACE, AND MOST LIKELY YOU'LL RENOVATE TO ACCOMODATE YOUR "WANTS" >

> 5) a concrete or metal fence , < I DONT THINK THIS IS PART OF THE PACKAGE >

> 6) a garden < IF YOUR SETBACK IS BEARABLE..MOST LIKELY YOU'LL HAVE A GARDEN >

> 7) a house that use the sunlight rather than the Bulb

> electricity, i did seen several house before usually

> made of glass window, and they save a lot in

> electricity bills! < THIS DEPENDS ON THE MODEL OFFERED..OR YOU'D HAVE TO RENOVATE YOURSELF >

> 8) before construction begins! " yung lupa taasan ng 2

> o 3 palapag" i guess i have truama with typhoon!! < LAND FILLING WILL NOT BE POSSIBLE, SINCE THERE GOING TO FOLLOW THE NATURAL GROUND LINE..MOST LIKELY THIS ONE YOU HAVE TO DO ON YOUR OWN >

> 9) the rest a good kitchen, Comfort Room, etc

>

> yes, thats it. tell me the price or quatation,or if u

> have an existing design send it to me. presently im

> looking for best offer.

> maybe in cavite i might prefer rather in las pinas!

>

> thank you( shukran)

> Mr. Viason

 

< ABOUT THE PICTURE...THAT IS A TYPICAL EXAMPLE OF A PRECASTED HOUSE..MEANING ITS BUILT LIKE A LEGO HOUSE, THE WALLS COLUMNS , POST EVEN YOUR SEPTIC TANK IS MADE OF PRECASTED CONCRETE AND ASSEMBLED TO YOUR LOT WHEN YOU START PAYING FOR IT.. IT IS A GOD HOUSE, IF DONE WELL AND PROPERLY CONSTRUCTED..MEANING ALL THE PARTS ACTUALLY FIT TOGETHER, IF NOT SOME PARTS WOULD HAVE TO BE RIDDLED WITH HOLES TO ACCOMODATE THE "CONSTRUCTION", ACTUAL RENOVATION IS LIMITED TO LIGHT WALL CONSTRUCTION SINCE THE CONCRETE WALLS ARE DESIGNED AS IS, ANY CHANGES MAY HAVE AN EFFECT ON THE STRUCTURAL INTEGRITY OF THE HOUSE, BUT IF PROPERLY DONE.. I SUPPOSE ITS OK. >

 

< MY ADVISE IS TO PROPERLY CHECK ALL THE ITEMS ONCE CONSTRUCTION IS STARTING AND ASK YOUR NEIGHBORS OF POSIBLE PROBLEMS >

 

< AND PLEASE DO READ THE CONTRACT CAREFULLY >

[NASTYMERLIN27]

< HELLO ALL...SORRY IF I MAY HAVE BEEN OFF FOR SOME TIME BUT BE REST ASSURED THAT IM STILL IN CIRCULATION, ITS JUST THAT I HAVE BEEN VERY PREOCCUPIED LATELY... >

 

< FROM THIS IM PUBLISHING AN UPDATE ON THE REQUIREMENTS FOR SOCIALIZE HOUSING AS REQUIRED BY THE NATIONAL HOME MORTGAGE & FINANCE CORPORATION FOR THOSE WHO'D LIKE TO AVAIL OF SOME LOW COST HOUSING... AS I HAVE POSTED THIS ON MY PAST POST.

 

< I'LL BE ANSWERING SOME QUERIES SENT VIA PM LATER >

 

 

ON-SITE APPLICATION

 

I. PROJECT ENROLLMENT/PROGRAM PARTICIPATION

 

A. ORIGINATOR ACCREDITATION (FOR NEW APPLICANTS)

1. Application Letter (CMP-001)

2. Originator's Information Sheet (CMP-003)

 

For Private Originators:

3. SEC/CDA Registration and Articles of Incorporation/Code by Laws

4. Bio-Data of Officers indicating past and present positions held in relation to involvement in community based economic/social development projects. (Pls. include references)

5. Board Resolution or Secretary's Certificate (RE:Origination of the project)

6. Track record in CMP and/or social housing. The Officer has been involved in at least one (1) successful CMP project and/or has completed/accomplished a social housing project.

 

For LGU-Originator:

7. Council/Sangguniang Bayan Resolution

8. Permanent Unit/Department who will handle processing of CMP

 

For Other Government Entity:

9. Copy of Charter (if entity is not involved in Housing)

10. Authority from Board/Head of Office to Originate

 

B. PROJECT ACCREDITATION

1. Project Basic Information Sheet (CMP-002)

2. Landowner Letter of Intent to Sell

3. HLURB Zoning Classification Certificate/DAR Conversion (if classif ication is other than residential)

4. Preliminary Approval and Locational Clearance ( PALC ) with supporting documents, viz:

4.1. Subdivision Plan with home lot area

4.2. Lot Plan

4.3. Vicinity Map

5. Present Title(s) and three (3) back titles

 

C. COMMUNITY ASSOCIATION/COOPERATIVE

1. HLURB Registration and Incorporation/Code of By-Laws and list of current officers and members of the Board of Directors of CA signed by Originator.

2. Masterlist of beneficiaries

3. CA's Board Resolution/Secretary's Certificate - to purchase property (description and owner/s)- to obtain loan from SHFC- CMP to finance the acquisition of property - to mortgage the property as security for the loan to be obtained

4. Memorandum of Agree ment/Contract between Community Asso ciation and Mortgagee/Assignee or MOA among Originator, CA and SHFC.

 

II. FOR LOAN EXAMINATION

 

1. Masterlist of beneficiaries with Loan Apportionment signed by CA President and Originator ( prescribed form)

2. Proof of pre-payment of MRI/Documentary Stamp Tax

3. Cash deposit in favor of SHFC equivalent to two (2) months amortization for existing originator or six (6) months amortization for new originator

4. Lease Purchase Agreement (LPA)

 

III. FOR MORTGAGE EXAMINATION For Issuance of Letter of Guaranty (LOG):

 

1. Proof of Road Right of Way

2. Real Estate Mortgage (REM)

3. Deed of Assignment of LPA from CA to SHFC

4. Promissory Note;

5. Collection Agreement between CA and SHFC

6. Deed of Assignment of Loan Proceeds from CA to Landowner

7. Loan Agreement

 

For Take-Out:

1. Deed of Sale with Register of Deeds stamp received

2. TCT in the name of CA with annotation of the REM and the Secretary's Certificate issued by CA to its representative

3. CA's Secretary's Certificate with Registry of Deeds (RD) stamp received

4. Real Estate Mortgage duly stamped by RD

5. TCT in the name of the Landowner with annotation of Deed of Absolute Sale stamp received by RD

 

 

OFF-SITE

 

I. PROJECT ENROLLMENT/PROGRAM PARTICIPATION

 

A. ORIGINATOR ACCREDITATION (FOR NEW APPLICANTS)

1. Application Letter (CMP-001)

2. Originator's Information Sheet (CMP-003)

 

For Private Originators:

3. SEC/CDA Registration and Articles of Incorporation/Code by Laws

4. Bio-Data of Officers indicating past and present positions held in relation to involvement in community based economic/social development projects. (Pls. include references)

5. Board Resolution or Secretary's Certificate (RE:Origination of the project)

6. Track record in CMP and/or social housing. The Officer has been involved in at least one (1) successful CMP project and/or has completed/accomplished a social housing project.

 

For LGU-Originator:

7. Council/Sangguniang Bayan Resolution

8. Permanent Unit/Department who will handle processing of CMP

 

For Other Government Entity:

9. Copy of Charter (if entity is not involved in Housing)

10. Authority from Board/Head of Office to Originate

 

B. PROJECT ACCREDITATION

1. Project Basic Information Sheet (CMP-002)

2. Landowner Letter of Intent to Sell

3. DAR Conversion (if classification is other than residential )

4. Preliminary Approval and Locational Clearance ( PALC ) with supporting documents, viz:

4.1 Subdivision Plan with home lot area

4.2 Lot Plan

4.3 Vicinity Map

5. Present Title(s) and three (3) back titles

6. Certification from concerned authorized agency that the bene ficiaries are any of the following homogenous groupings:

6.1 Living in danger areas;

6.2 Affected by government infrastructure projects; and

6.3 With threat of eviction or actual ejectment through a case/court order

 

C. COMMUNITY ASSOCIATION/COOPERATIVE

1. HLURB Registration and Incorpo ration/Code of By-Laws and list of current officers and members of the Board of Directors of CA signed by Originator.

2. Masterlist of beneficiaries

3. CA's Board Resolution/Secretary's Certificate - to purchase property (description and owner/s) - to obtain loan from SHFC- CMP to finance the acquisition of property - to mortgage the property as security for the loan to be obtained

4. Memorandum of Agree ment/Contract between Community Asso ciation and Mortgagee/Assignee or MOA among Originator, CA and SHFC.

 

II. FOR LOAN EXAMINATION

 

1. Masterlist of beneficiaries with Loan Apportionment signed by CA President and Originator (prescribed form)

2. Proof of pre-payment of MRI/Documentary Stamp Tax

3. Cash deposit in favor of SHFC equivalent to two (2) months amortization for existing originator or six (6) months amortization for new originator

4. Lease Purchase Agreement (LPA)

 

III. FOR MORTGAGE EXAMINATION For Issuance of Letter of Guaranty (LOG):

 

1. Proof of Road Right of Way

2. Real Estate Mortgage (REM)

3. Deed of Assignment of LPA from CA to SHFC

4. Promissory Note;

5. Collection Agreement between CA and SHFC

6. Deed of Assignment of Loan Proceeds from CA to Landowner

7. Loan Agreement

 

For Take-Out:

1. Deed of Sale with Register of Deeds stamp received

2. TCT in the name of CA with annotation of the REM and the Secretary's Certificate issued by CA to its representative

3. CA's Secretary's Certificate with Registry of Deeds (RD) stamp received

4. Real Estate Mortgage duly stamped by RD

5. TCT in the name of the Landowner with annotation of Deed of Absolute Sale stamp received by RD

[NASTYMERLIN27]

HELLO EVERYONE...

 

I REALLY DO APOLOGIZE, IF YOUR QUERIES KEEP PILING UP ON ME..ITS JUST THAT IM A BIT IN A RUSH THESE DAYS, INCLUDING THE HOLIDAYS ( NOV 1 -4 ) ANYWAY IM POSTING SOME STUFF HERE THAT I THINK COULD BE RELEVANT SINCE CONSTRUCTION SEASON IS COMING UP HOPEFULLY...

 

types of construction materials that are required for a mandatory product certification

 

black iron PIPES (BI)

galvanized iron pipes(GI)

steel pipes

Portland cement

Pozzolan cement

deformed steel bars

flat glass

Polybutylene (PB) pipes

Polyethylene (PE) pipes for potable water supply

Unplasticized polyvinyl chloride (uPVC) pipes for potable water supply

PVC rigid electrical conduit

PVC-U pipes for drain waste and vent

Plywood

rerolled steel bars

sanitary wares

steel sheets

coils

steel wires

wire nails

 

ALWAYS BE SURE YOUR BUYING THE REAL MCCOY SINCE THIS WILL AFFECT YOUR STRUCTURE / ITEMS ..AND DO NOTE THAT MOST OF THE ITEMS I MENTIONED ARE FOR CIVIL & ELECTRICAL ...WHICH ARE THE MOST IMPORTANT ON ALL TRADES

 

HOPE TO HEAR FROM YOU ALL AGAIN :thumbsupsmiley:

[hiritpa]

my brother wants to own a condo.. prferably in the mandaluyong makati and qc area.. preselling is ok since he will return probably summer 2009.. best price and location preferrably on a monthly amortisation..

 

near mrt and lrt is prefferable ..

 

im sure there are a lot of wise advise and best deal mtcers can give..

[gaspless]

Good Day Mr. Nastymerlin27,

 

I have a house and lot in Gen. Trias, Cavite. Total lot area is 62 sq. m. Gusto ko sanang ipagawa yung bahay ko, I do have my floor plan already for the 1st ang 2nd floor of my planned house (btw the existing house is just a bungalow-type). Gusto ko sana ipakontrata yung buong construction. Or ipapagawa ko yung detailed plan or blue print (based dun sa floor plan na gusto ko) then saka ko ipapasunod sa contractor. Can you please give me some advice on what to do? Or can u recommend someone na pwede ko makontrata para sa construction ng bahay ko.

 

Thank you so much.

[bachelor25]

ATTN: LOT OWNERS

BUILD NOW PAY LATER

WE BUILD UR HOME BASED ON UR BUDGET

Accept Ex-Deal, Financing Available

ABSOLUTELY NO DOWNPAYMENT

Forget the hassle & Worrying just relax & watch ur dream turn to reality

 

GENERAL CONTRACTOR

 

 

Houses/Townhouses/Apartments/Schools/Restaurants/Iron Works/Interior Design/Renovation/Government Project/Warehouses/Buildings FREE DESIGN & ESTIMATE

[pedrupenduku]

Sir Nastymerlin27

 

I just want to ask like for how much would it cost to build a house that is 10m X 4M, consisting of 3 floors, floor to ceiling height is 3m, the roof will be made of concrete as well as it will serve as a terrace.

 

Ground floor will be a 2 bedroom, 2 toilet and 1 shower ( will be used for bed spacing)

2nd floor will be the living room and dining room and 1 Toilet and Bath (for family use)

3rd floor will be the bedrooms, 1 master's bedroom and then 2 bedroom (for family use)

Roof Deck with a 1m concrete fence around, may have to install a beam of 2.3m high (other purpose in the future, possible lagyan ng duyan or anything)

 

Location will be in las pinas, almanza 1 just before the entrance of pilar village. There was a house construction going on near my place, but the foreman says that he will give the estimate if the house is about to be constructed, he does not want to give estimation of the cost for the house because if he won't be the one to build it its going to be a waste of time for him (what a reason).

 

I am planning to get a loan from Pag-Ibig for this house that I plan to build, I hope that I can get an answer and a rough estimation just to have an idea of how much I will ask for my loan. And please do include the expenses for getting a building permit, hiring an electrician and others.

 

Thanks much.

[NASTYMERLIN27]

Good Day Mr. Nastymerlin27,

 

I have a house and lot in Gen. Trias, Cavite. Total lot area is 62 sq. m. Gusto ko sanang ipagawa yung bahay ko, I do have my floor plan already for the 1st ang 2nd floor of my planned house (btw the existing house is just a bungalow-type). Gusto ko sana ipakontrata yung buong construction. Or ipapagawa ko yung detailed plan or blue print (based dun sa floor plan na gusto ko) then saka ko ipapasunod sa contractor. Can you please give me some advice on what to do? Or can u recommend someone na pwede ko makontrata para sa construction ng bahay ko.

 

Thank you so much.

 

 

SORRY FOR THE LATE REPLIES TO EVERYONE...BEEN PRETTY MUCH OCCUPIED..

 

IN RELATION TO GASPSLESS QUERIES

 

1. NICE OF YOU TO HAVE PLANS AS GRAND AS THIS..MY ADVICE ON THIS IS THAT HAVE A PLAN FIRST AND WHILE DOING SO YOU CAN APPLY FOR CHANGES

AND THE SAME TIME YOU CAN ESTIMATE IF YOU'LL BE ABLE TO HNDLE THE MONEY COSTS AND ALL...THE PLAN HAS TO COME FIRST SO YOU CAN FORECAST

IF YOUR ABLE TO SUSTAIN THE CONSTRUCTION.

 

YES I CAN RECOMMEND SOME, BUT AS I'VE MENTIONED EARLIER..TO BE CONSISTENT ON A HONEST TO GOODNESS CONSULTANT I SUGGEST YOU EXHAUST ALL MEANS OF FINDING A CONTRACTOR OF YOUR OWN CHOICE SO U CAN SEE HOW THE WORKS ARE GOING TO BE MADE.

 

HOPE TO HEAR AGAIN SOON :thumbsupsmiley:

[NASTYMERLIN27]

Sir Nastymerlin27

 

I just want to ask like for how much would it cost to build a house that is 10m X 4M, consisting of 3 floors, floor to ceiling height is 3m, the roof will be made of concrete as well as it will serve as a terrace.

 

Ground floor will be a 2 bedroom, 2 toilet and 1 shower ( will be used for bed spacing)

2nd floor will be the living room and dining room and 1 Toilet and Bath (for family use)

3rd floor will be the bedrooms, 1 master's bedroom and then 2 bedroom (for family use)

Roof Deck with a 1m concrete fence around, may have to install a beam of 2.3m high (other purpose in the future, possible lagyan ng duyan or anything)

 

Location will be in las pinas, almanza 1 just before the entrance of pilar village. There was a house construction going on near my place, but the foreman says that he will give the estimate if the house is about to be constructed, he does not want to give estimation of the cost for the house because if he won't be the one to build it its going to be a waste of time for him (what a reason).

 

I am planning to get a loan from Pag-Ibig for this house that I plan to build, I hope that I can get an answer and a rough estimation just to have an idea of how much I will ask for my loan. And please do include the expenses for getting a building permit, hiring an electrician and others.

 

Thanks much.

 

IN RELATION TO PEDROPENDUKU'S QUERIES:

 

1. There was a house construction going on near my place, but the foreman says that he will give the estimate if the house is about to be constructed, he does not want to give estimation of the cost for the house because if he won't be the one to build it its going to be a waste of time for him (what a reason).

< WELL I GUESS HIS REASON IS UNDERSTANDABLE...ITS NOT EASY HAVING TO DRAW A PLAN AND ESTIMATE THE ITEMS INVOLVED...I SUGGEST YOU GIVE HIM SOMESORT OF "CARROT STICK" SO HE'D BE ABLE TO GIVE YOU WHAT U NEED..OR I SUGGEST JUST DO A PARAMETRIC ESTIMATE..USE A FACTOR OF SAY 15T PER SQM..I GUESS THAT WOULD BE A SAFE ESTIMATE >

 

2.I am planning to get a loan from Pag-Ibig for this house that I plan to build, I hope that I can get an answer and a rough estimation just to have an idea of how much I will ask for my loan. And please do include the expenses for getting a building permit, hiring an electrician and others.

 

< DONT WORRY THEY WILL ASK YOU FOR A SET OF PLANS FOR THE CONSTRUCTION AND THEY WILL APPRAISE IT BASED ON THEIR ESTIMATES..I SUGGEST MAKE TO SETS..SUBMIT TO PAG-IBIG THE ONE WHICH IS ..WELL EXPENSIVE, THEN USE THE OTHER LOW COST FOR ACTUAL CONSTRUCTION...DON'T GET CAUGHT THOUGH..YOUR LOAN MIGHT BE IN TROUBLE...BUILDING PERMIT HAS FIXED FEES..PLS REFER TO YOUR LOCAL GOVERNMENT FOR THEIR SCHEDULE AND IT DEPENDS TOO ON HOW MUCH IT WILL COST...HIRING AN ELECRICIAN..SCOUT AROUND ..LOTS OF EM DONT HAVE WORK..MOST LIKELY IF YOU ASK THE BUILDING OFFICIAL HE CAN HAVE SOMOENE DO IT FOR A FEE..

 

REPLIES A ENCOURAGED!! :thumbsupsmiley:

[pedrupenduku]

IN RELATION TO PEDROPENDUKU'S QUERIES:

 

1. There was a house construction going on near my place, but the foreman says that he will give the estimate if the house is about to be constructed, he does not want to give estimation of the cost for the house because if he won't be the one to build it its going to be a waste of time for him (what a reason).

< WELL I GUESS HIS REASON IS UNDERSTANDABLE...ITS NOT EASY HAVING TO DRAW A PLAN AND ESTIMATE THE ITEMS INVOLVED...I SUGGEST YOU GIVE HIM SOMESORT OF "CARROT STICK" SO HE'D BE ABLE TO GIVE YOU WHAT U NEED..OR I SUGGEST JUST DO A PARAMETRIC ESTIMATE..USE A FACTOR OF SAY 15T PER SQM..I GUESS THAT WOULD BE A SAFE ESTIMATE >

 

2.I am planning to get a loan from Pag-Ibig for this house that I plan to build, I hope that I can get an answer and a rough estimation just to have an idea of how much I will ask for my loan. And please do include the expenses for getting a building permit, hiring an electrician and others.

 

< DONT WORRY THEY WILL ASK YOU FOR A SET OF PLANS FOR THE CONSTRUCTION AND THEY WILL APPRAISE IT BASED ON THEIR ESTIMATES..I SUGGEST MAKE TO SETS..SUBMIT TO PAG-IBIG THE ONE WHICH IS ..WELL EXPENSIVE, THEN USE THE OTHER LOW COST FOR ACTUAL CONSTRUCTION...DON'T GET CAUGHT THOUGH..YOUR LOAN MIGHT BE IN TROUBLE...BUILDING PERMIT HAS FIXED FEES..PLS REFER TO YOUR LOCAL GOVERNMENT FOR THEIR SCHEDULE AND IT DEPENDS TOO ON HOW MUCH IT WILL COST...HIRING AN ELECRICIAN..SCOUT AROUND ..LOTS OF EM DONT HAVE WORK..MOST LIKELY IF YOU ASK THE BUILDING OFFICIAL HE CAN HAVE SOMOENE DO IT FOR A FEE..

 

REPLIES A ENCOURAGED!! :thumbsupsmiley:

 

Thanks for the reply sir.

 

15T per square meter does that include the materials or is it for labor only?

I will do a computation based on what you have told me sir.

[cirrus2007]

Sir 'NASTYMERLIN27'

 

I need your advise.

I had fully paid my townhouse unit in Imus Cavite but not paid yet required taxes (VAT, real estate, etc.). Is it possible to make it as collateral for another unit?

Your reply is most appreciated.

Thanks & God bless!

[Zarbor]

great adviser here!

[NASTYMERLIN27]

Thanks for the reply sir.

 

15T per square meter does that include the materials or is it for labor only?

I will do a computation based on what you have told me sir.

 

 

IN RELATION TO PEDROPENDUKO'S QUERIES

 

1. 15T per square meter does that include the materials or is it for labor only?

< YEP ITS ALL INCLUDED THERE..BUT MIND YOU THIS IS ONLY A PARAMETRIC ESTIMATE - MEANING IT HAS A + / - OF AT LEAST 15% AND

15T / SQM IS ACTUALLY A BIT BARE...BETTER DO MORE CHECKING AROUND >

 

COMMENTS ARE WELCOME!!!

[NASTYMERLIN27]

Sir 'NASTYMERLIN27'

 

I need your advise.

I had fully paid my townhouse unit in Imus Cavite but not paid yet required taxes (VAT, real estate, etc.). Is it possible to make it as collateral for another unit?

Your reply is most appreciated.

Thanks & God bless!

 

IN RELATION TO CIRRUS2007'S QUERIES

 

1. I had fully paid my townhouse unit in Imus Cavite but not paid yet required taxes (VAT, real estate, etc.). Is it possible to make it as collateral for another unit?

 

< I SUPPOSE THAT IS POSSIBLE..BUT YOU HAVE TO CHECK FIRST WITH THE BANK OR WHATEVER INSTITITION YOUR APPLYING FOR AS YOUR COLLATERAL USUALLY THEY ARE THE ONE CALLING THE SHOTS THRU THEIR REQUIREMENTS. >

[NASTYMERLIN27]

I WOULD JUST LIKE TO COMMENT ON THE RECENT BROUHAHA FOR THE CE BOARD EXAMS

 

 

UNLIKE THE OTHERS WHO AGREE THAT THERE SHOULD BE A RETAKE, MY TAKE ON THE ISSUE IS THAT I BELIEVE THEY SHOULD

HAVE JUST AGREED ON THE THE TERMS AS GIVEN BY THE REGULATION COMMISION...THE MORE NOISE THEY MAKE.. THE MORE ISSUES

AND PROBLEMS THAT THEY WILL CREATE.

 

AND I HOPE I HAVE MY SOURCES RIGHT..BUT IS SEEMS THAT 400+ EXAMINEES GOT TESTS 2 & 3 FLUIDS/ HYDRAULICS & FOUNDATION & STRUCTURAL ENGR. RESPECTIVELY ) GOT A PERFECT SCORE...WHICH IS WELL..I REALLY FIND STATISTICALLY IMPROBABLE TO SAY THE LEAST.

 

WELL...I SUPPOSE IF YOU GET CAUGHT YOU JUST HAVE TO FACE THE MUSIC...AND BESIDES..

 

TITLES WILL NOT MAKE YOU WHAT YOU ARE..IT IS THE ACTIONS THAT YOU DO

[NASTYMERLIN27]

AS THE YEAR WINDS DOWN TO IT'S LAST...I WOULD WANT TO COMMEND EVERYONE EITHER FREE OR IN CHAINS..WHO HAVE MADE SIGNIFICANT CONTRIBUTIONS TO LIFE AS IT IS HERE IN OUR COUNTRY..BUT LET ME MENTION ONLY ONE..DR. FE DEL MUNDO

 

 

ALL HAIL THE COUNTRY'S MASTERS & MUSE !!!!!

[BeNatural]

Dear NastyMerlin,

 

You advise please:

 

I bought a condo unit, just for the heck of it - suggested by my nanay. But to be honest I don't know the responsibilities attached to owning one. Could you brief me on this based on the following:

 

1. Its fully paid. I am supposed to get a TITLE for it right?

2. The developer told me its still on process? -- This has been for a year now....how long does it take to get that TITLE?

3. Before or After having such TITLE, do I need to pay some sort of annual Tax for that unit?

4. What other obligations that I should be aware of with regards to the unit?

 

Could you answer the same questions with regards to a HOUSE and LOT?

 

 

Thanks and many thanks.

[JWalker09]

Dear NastyMerlin,

 

You advise please:

 

I bought a condo unit, just for the heck of it - suggested by my nanay. But to be honest I don't know the responsibilities attached to owning one. Could you brief me on this based on the following:

 

1. Its fully paid. I am supposed to get a TITLE for it right?

2. The developer told me its still on process? -- This has been for a year now....how long does it take to get that TITLE?

3. Before or After having such TITLE, do I need to pay some sort of annual Tax for that unit?

4. What other obligations that I should be aware of with regards to the unit?

 

Could you answer the same questions with regards to a HOUSE and LOT?

 

 

Thanks and many thanks.

 

 

Hi BeNatural,

 

I am a licensed Real Estate Broker.

 

Would like to share info and answer your questions:

 

1.) Yes

2.) 4 months to one year. Maybe they have some sort of problem that is manageable and need not to worry coz this does takes time for the approval and paperworks to move. Most likely with some government agency regarding the development is at slow pace granting them approval unless the developer is willing to put some money under the table to fast-track their request with that particular government agency. Follow up mo lang sa developer yung CCT mo.

3.) You will get a CCT or Condominium Certificate of Title once you complete your full payments. If still on monthly amortization or term payment, they will just give you a deed of sale and later give you the CCT once you fully complete your payment.

 

You will pay taxes like Transfer tax, Registration fees, Documentary Stamps. Others payments include: association dues, joining fee, credit life insurance, eletric and water connection, unit plan, mortgage registration etc etc. Try asking for a computation of the unit especially the term payments with the developer. Sometimes developers have already divided the Other Charges to make it easier for buyers to pay by incorporating them to their monthly amortization than one time payment. Ex. Your monthly amortization is PhP 12,500 plus 1,300 for the other charges so you will pay the developer about 13,800 per month.

 

4.) Comply with the rules and regulation of the condo unit association once this is active, see the deed of restrictions given by the developer plus pay your monthly dues. If you have legal questions, ask a lawyer.

 

Note: once the unit is available and for turnover - you should inspect it and bring along a licensed structural or civil engineer with you on close inspection for cracks, sloppy work etc and never sign the turnover compliance at once. Read it and inspect everything from top to bottom of your unit.

 

That's all! If you got questions on house and lot, let me know!

Edited January 5, 2008 by JWalker09

[JWalker09]

Some developers can give you the CCT once you complete your full payment it has been changed hands from them to your name in 1 to 2 months time. Meron din kahit na hindi pa tapos yung structure meron nang CCT available or on process. Better t verify it with the developer.