Archive for the ‘Real Estate’ Category

Paluan, Mindoro Beachfront lots for sale

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mindoro beach front lot for sale

mindoro beach front lot for sale

As you may know, i am a beach person, and if you are too, you might want to consider owning a beach front Lot in Mindoro.  I am selling several beachfront lots with sizes around 2000 sq.m. each. (Thats about 21,500 square feet.)Â

This would be an excellent place to build a retirement or a vacation home and enjoy a view of the ocean right at your front yard or window.  This is located in Paluan Mindoro, few hours away from Manila, nearest to the provice of Batangas.

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This property is absolutely beach front with CLEAN TITLES (TCT – Transfer Certificate of Title). We have 22 lots up for grabs, Its only about P 1,000 (USD$ 23) per square meter (roughly P 2Million Pesos[USD$ 44,500])  we give discounts for multiple lot purchases. Please feel free to contact me at +63-919-511-1105 or email me at arellevalla (at) gmail (dot) com for further inquiries.

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Anvaya Cove

Steve called inviting me to Anvaya Cove, in Morong, Bataan and i obliged coz  i wanted to see the project, i have some previous clients looking for a nice vacation property. Also,  wanted to catch up with him coz we haven’t seen each other since he got back from New York.

He picked me up 8am last sunday and on we went. We had our first stop at Marquee, a residential Village in Pampanga, being developed by Ayala Land, where a mall is also being constructed just minutes away. We took a few shots and drove around a bit.

We took the new highway that links Clark to Subic. It’s my first time to pass the way, and it took us much faster than we would if we took the usual San Fernando exit route to Subic. We arrived in Subic at about 10:50am. Thats just about 2 hours and 50 minutes travel time including about 40 minutes of stop over at Marquee. The new expressway surely shortened the travel time to Subic.

From the Subic/Morong Gate, it was a 20minute drive to Anvaya Cove. We went to the clubhouse and took a stroll at the walk way along the beach front, the cove. It’s lovely, very exclusive and private. There were families swimming at the beach and the pool.  The lake was nice too.

The site manager was telling us about sea turtles coming from all over, back to the cove, because its the sea turtles nature to lay their eggs where they originally came from. Apparently there were some of it with tags stating they’re from Australia, interesting…sea turtle’s swimming all the way from australian waters to ours.

A few meters from the main clubhouse is a two storey restaurant with a pool  and Poker table at the 2nd floor. Dining here provides a great view of the ocean… a picture rich and famous’ lifestyle. The Anvaya Cove facilities is stricty for members and their guests, membership is about P 650,000.00.

There are still premium lots for sale with view of the ocean available, and there will be condominium units in a two storey stucture coming up soon.  Lots ranges from P 10k-13K / square meter, lots sizes are about 400sq.m and up.

Branson Vacation Home

After some grueling weeks of work in the city, you also deserve some relaxation by having a vacation somewhere. You need to unwind your muscles and loosen your weary soul. It’s time now to reward yourself with all your hard works. Slow down a bit. This world is wonderful. There is a lot to discover if you but see. And in seeing you’ve got to grasp golden opportunities out there . . . somewhere just there beyond your craggy corridor. And in grasping all you’ve got to do is claim it. That’s all you’ve got. Experience the music and the magic of seeing and meeting other people. Visit the sun and its sunshine untainted with smoke. Or, dance with the choppy sea and talk the wind and upon their winged thoughts buzz the breeze. Hear. Ah, I mean, listen and you surely will understand. Yes, life is a generous a giver. Uncover the hard covering. Open it. That is all there is. It’s yours, all yours for the taking. Enjoy life. Life must be breathed for there is always welcome and goodbye.

Ah, before I forget: I hear live music. Yes, a strum of the guitar. There is magic, yes, dance, drama and even acrobatics. That’s it. What? Yes, that’s right for sure. Bye now. See you at Branson!

What’s your dream home?

Would you like a log home, a villa, a Condo, a Patio Home or a Single Family home? You may find what you are looking for among the list of Branson homes for sale. Situated in a golf community at Stone Bridge Village, Ledge Stone in the Mid west.

Choose from among Golf, Luxury homes and Wood land retreats that you deserve. Enjoy the good life, have a home and have a breathtaking view of the golf course in every window.  Make Ledge stone your retirement home and create wonderful memories to cherish forever.

 It’s a perfect getaway for the whole family. Watch the sunset as you dine, and enjoy the most relaxing environment ever.

Is Real Estate the best business?

Why does the richest people in the world have a lot of properties, and some are doing it as a business?  I was once told by a developer (a businessperson who develops a property to become inhabitable) that Land or real estate is one of the best businesses in the world and I agree.

Why? Because men have three basic needs, what are they? Food, Shelter and Clothing, and so, what ever happens, each human being brought into this world will need a home.   

Another reason why it is the best business is because people keep on growing in number…but land doesn’t grow! Real estate properties are sought after assets. If you ask a person right now if they wanted to own a real estate property, the answer is 99.9% Yes!

Real Estate Bank Financing Qualified Borrowers

Who are qualified to apply for a bank financing loan? 

QUALIFIED BORROWERS

Filipino CitizensForeign Nationals (for condominium purchase)

Gainfully employed for the last 2 years

Doing business and profitably operating for the past 3 years

At least 21 years old and not exceed 65 years old at loan maturity

Minimum Gross Monthly Income at least P 40,000

If married, spouse to sign all documentsIf separated, annulment papers required

No Derogatory records – CMAP/NFIS checkings  

CAUTION LIST 

Governement Officials and Company’s owned by them

Military / Police Personnel and Company’s owned by them

Religious or Civic Groups & their businesses

Media and Movie PersonalitiesLawyers  

POST APPROVAL REQUIREMENTS

Bank Application Forms

Marriage Certificate/Birth Certificate2 Valid I’D’s like PRC, SSS, TAN/TIN, Drivers Licences, Passport, Company ID

Proof Of Billing like Credit Card Statements, Meralco, PLDT, Maynilad, etc.

Latest Community Tax Certificate or Cedula

Consularized Special Power of Attorney (form supplied by the bank) – authorizing representative to sign in behalf of the borrower.

Account Opening

Letter of GuarantyDeed of Undertaking

Deed of AssignmentPhotocopy of Title (TCT, CCT)

Photocopy of Real Estate Tax Declaration

MRI and Fire Insurance Policies (accredited insurance companies)

Payment of Bank Charges

Payment of Transfer Fees 

Bank Financing Requirements

Bank Financing Charges

*The above information are subject to change without prior notice and may vary depending on the banking institution. It is meant to give a general idea only.

*Bank doesn’t send documents abroad, all documents must be signed in the Philippines, in such case, a Special Power of attorney is executed. Pretermination Penalty is 4% of the outstanding Balance.

Real Estate Bank Financing Requirements

PRE-QUALIFICATION REQUIREMENTS for Real Estate Bank Financing Loans 

I would like to share with you what will be required of you to secure a Bank Financing Loan depending on your source of income.  

If Employed within the Philippines -        

Certificate of Employment (COE) with salary and position      

 Latest Income Tax Return  

If Overseas Filipino Worker (OFW)

Crew Contract and Exit Pass form POEA (Seaman)

Contract/Certificate of Employment (COE)

Authenticated by the Philippine Consulate (direct-hired) or Verification with the Employer thru E-mail.

Or 6 Months Proof of Remittance (i.e passbook, bank statement or remittance receipts) 

If Practicing Doctor

Clinic Address Latest

Income Tax ReturnBank Statements for the last 6 months 

If Self-employed within the Philippines

Business Name (DTI)or SEC Registration Certificate

Articles of Incorporation and By Laws

Last 3 years Income Tax Return & Audited Financial Statements

Bank Statements for the past 6 months

 If from Commission

Latest Income Tax Return

Vouchers or Bank Statements for the past 6 months

If from Rental of Properties

Latest Income Tax Return

Lease Contracts of Bank Statements for the last 6 months 

You may see the usual Bank Charges here.

You will of course be subject to a credit check or CI (credit investigation). It’s better if you have a very good credit standing, meaning you pay your loans and credit card bills on time.

*The above are standard documentations in securing a bank financing facility, the bank may require supplementary documentations and considerations for approval may vary from bank to bank.   

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The Secret is to say something great to yourself

How do you start your day? Let me share with you  a gift from the secret

While you watch the video…

Say the following aloud to yourself.

Today is the beginning of my new life
I am starting over today
All good things are coming to me today
Im grateful to be alive
I see beauty all around me
I live with passion and purpose
I take time to laugh and play everyday
I am awake, energized and alive
I focus on all the good things in life
and give thanks for them
I feel the love, the joy, the abundance
I am at peace and one with everything
I am free to be myself
I am magnificence in human form
Iam the perfection of life
I am grateful to be …me
Today is the best day of my life!

Did you really say it? Why don’t you watch it again…read it till you feel it…:-)

I hope you are feeling better…you can choose to be better!

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The Secret – Visualization Tools

There is power in YOUR words…

God created the universe by his words…and we are created according to his image…and so when we speak a word, it also comes to pass…

Are you speaking words of blessings or curse? Choose what you say, and say what you want to happen…and it shall be.

Visualize what you want to happen and it shall be…Try this powerful visualization tool from the Secret.

I am a money magnet

Everything i touch turns to gold

i have more riches than king solomon’s mines…

Money falls like avalanche over me

There is more money being printed for me right now

I am receiving money making ideas everyday

I am receiving unexpected checks in teh mail

I have more than enough money for everything i want

I have my dream home

I have the best of everything

I am grateful and celebrate everyday

I know when i ask for what i want

No matter how impossible it may seem

If I believe i know its mine..

the answer must be…Your wish is my command

Bank Financing Charges for Real Estate Loans

How much are the Bank Fees when you make a real estate loan in the Philippines? 

These are what the loan charges are like for a P1 Million Housing or Condominium loan. 

 woodland-hills-dmci-homes.jpg

The following are estimates only. 

SCHEDULE of LOAN CHARGES 

  1. Mortgage Redemption Insurance Premium Php 5,800
  2. Fire Insurance Premium (FIP) P 1,100
  3. Mortgage Registration Fee P 9,000.00
  4. Processing and Notarial Fees P 3,500
  5. Doc Stamps on Promisory Note P 5,000 

   Total Charges: P24,000.00 

I got this from the Bank Financing Seminar held at Celebrity Sports Club conducted by DMCI Homes, Inc. with UCPB V.P  Yolanda De Claro.

I will share about the Pre-Qualification requirements in the following post for Real Estate Bank Loans. Stay tuned… 

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